How about more basic health insurance coverage and lower premiums, and an HRA to help reduce your deductible? LivingWell Basic CDHP is just that.

• ​This is basic coverage for a lower premium.
• Once your maximum out-of-pocket is met, your covered medical and pharmacy claims will be paid at 100%.​
• Both your medical and pharmacy expenses apply to the maximum out-of-pocket.
• You will pay 30% for covered services after you meet your deductible.

You will receive HRA funds through a HealthEquity debit VISA Healthcare Card.

• The card is pre-funded with $250 if you have single coverage, or $500 if you have couple, parent-plus, or family coverage.
• Your HRA funds may roll over to a subsequent year, up to a maximum of $7,500.​
• You can also use this card to pay for eligible vision and dental expenses. These expenses do not reduce your deductible.
• Use this card at your doctor's office, hospital, or pharmacy. Simply swipe the card to help pay for your eligible expenses, which will be deducted from your card balance.
• Use the HRA to help pay for your co-insurance, which reduces your deductible.​

How the HRA works

• ​You will receive a HealthEquity® debit VISA Healthcare card that is pre-funded with $250 if you have single coverage or $500 if you have couple, parent plus, or family coverage levels.
• You can also use this card to pay for eligible vision and dental expenses; these expenses do not reduce your deductible.​
• Use this card at your doctor's office, hospital, or pharmacy. Simply swipe the card to help pay for your eligible expenses which will be deducted from your card balance.
• Use the HRA to help pay for covered expenses, which reduces your deductible.​ ​