Medical Benefits
The Miller Group offers a high deductible health plan with a Health Savings Account (HSA) option for its regular full-time employees. The company pays a portion of the monthly premium. Employee contributions are a pre-tax deduction.
General Benefits of the HDHP/HSA:
• Lower premiums.
• Tax Benefits.
• Participation in HDHP qualifies you to contribute to a Health Savings Account (HSA).
• An HSA is a personal account; it’s yours until you terminate the account.
• No “use it or lose it” (unlike a Health FSA).
Tax Benefits of the HDHP/HSA:
• All contributions to your HSA (company contributions & your own contributions):
◊ Are tax-deferred; and
◊ Help offset expenses that apply to the deductible.
• Many max out their HSA contributions each year and use it as an additional retirement savings strategy.
◊ Earnings are not taxed.
Things to Consider at Enrollment
• Unlike the FSA, the HSA can only be used when you have money in it.
• If you expect to enroll in Medicare in 2026, you will need to plan ahead now and adjust HSA contributions accordingly.
• Annual premiums, estimated annual medical expenses, and pre-tax benefits must be taken into consideration to determine if the HDHP/HSA is the right choice for you.
• Make sure you fully understand how the HSA works and the potential pros and cons before choosing this
option.
For more information please contact:
Changes/Administrative Questions/Cost: Erin Donahoo
Coverage Questions: Mary Ziegler
Benefits |
In-Network |
Out-of-Network |
|---|---|---|
Deductible |
$3,400/ $6,800 |
$3,400/ $6,800 |
Coinsurance |
100% |
80% / 20% Member |
Out-of-Pocket Maximum (Individual/Family) |
$3,400/ $6,800 |
$6,800/ $13,600 |
Office Visit (PCP & SPC) |
Annual Deductible |
Deductible, then Coinsurance |
ACA Preventive Care |
Covered 100% |
Deductible, then Coinsurance |
Hospital Services (Inpatient/Outpatient) |
Annual Deductible |
Deductible, then Coinsurance |
Emergency Room |
In-Network Deductible |
In-Network Deductible |
Urgent Care |
Annual Deductible |
Deductible, then Coinsurance |
Prescription Drug Benefit |
Annual Deductible |
Deductible, then 50% Coinsurance |
Miller Group HSA Contribution |
$1,100/ $2,100 |
Monthly Rates Assuming Full Utilization of the REM Medical Premium Reduction |
Employee |
Employee + Spouse |
Employee + Child(ren) |
Family |
|---|---|---|---|---|
Employee Cost |
$115.16 |
$383.87 |
$330.35 |
$556.39 |
Employer Cost |
$370.86 |
$588.17 |
$593.08 |
$998.88 |
Total Cost |
$486.03 |
$972.04 |
$923.44 |
$1,555.27 |
The Miller Group also offers a Traditional PPO plan for its regular full-time employees. The company pays a portion of the monthly premium. Employee contributions are a pre-tax deduction.
For more information please contact:
Changes/Administrative Questions/Cost: Erin Donahoo
Coverage Questions: Mary Ziegler
Benefit |
In-Network |
Out-of-Network |
|---|---|---|
Deductible |
$4,000/$8,000 |
$4,000/$8,000 |
Coinsurance |
80% / 20% Member |
60% / 40% Member |
Out-of-Pocket Maximum (Individual/Family) |
$5,500/$11,000 |
$11,000/ $22,000 |
Office Visit (PCP & SPC) |
$40 Copay |
Deductible then coinsurance |
ACA Preventive Care |
Covered 100% |
Deductible then coinsurance |
Hospital Services |
Deductible then coinsurance |
Deductible then coinsurance |
Urgent Care |
$40 Copay |
Deductible then coinsurance |
Emergency Room |
$100 copay/ visit, then deductible then 20% coinsurance |
$100 copay/ visit, then deductible then 20% coinsurance |
Retail Prescription Drug Benefit |
$15 / $70 / $110 / $200 |
Copay then 50% coinsurance |
Miller Group HSA Contribution |
$1,100/ $2,100 |
Monthly Rates Assuming Full Utilization of the REM Medical Premium Reduction |
Employee |
Employee + Spouse |
Employee + Child(ren) |
Family |
|---|---|---|---|---|
Employee Cost |
$212.18 |
$610.03 |
$534.18 |
$899.67 |
Employer Cost |
$358.69 |
$531.73 |
$550.49 |
$927.15 |
Total Cost |
$570.88 |
$1,141.76 |
$1,084.67 |
$1,826.81 |