HIRSP Federal Plans

2013 HIRSP Federal Plan

  HIRSP Federal
500 		HIRSP Federal
1,000 		HIRSP Federal
2,500 		HIRSP Federal
3,500
Premiums
Medical deductible
(you pay) 		$500
per year 		$1,000
per year 		$2,500
per year 		$3,500
per year
Medical Coinsurance 20% of allowed amount up to $1,000 total per year 20% of allowed amount up to $1,000 total per year 20% of allowed amount up to $1,000 total per year 20% of allowed amount up to $1,000 total per year
Medical Out-of-Pocket Maximum $1,500 $2,000 $3,500 $4,500
Drug Copay (you pay)
$5 Tier 1 / $45 Tier 2
Drug Out-of-Pocket Maximum $2,000
per year 		$2,000
per year 		$2,000
per year 		$1,750
per year
Total Out-of-Pocket $3,500 $4,000 $5,500 $6,250

Higher deductible plans have lower premiums and lower deductible plans have higher premiums.

HIRSP Federal Plan Premium Rates: The premiums for the HIRSP Federal Plan will be based on standard market rates for individual health insurance.

The premium rates for the HIRSP Federal Plan will generally be lower than the full HIRSP premium rates for plans with the same deductible.

However, if your household income is below $34,000, you may be eligible for a premium reduction on the other HIRSP plans. This may make your premium lower than the HIRSP Federal Plan premium.