Health Savings Accounts & PPO Networks

	Individual & Family Health Insurance
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HSAs and Health Care Networks

With an Health Savings Account (HSA)-compatible health insurance plan, you're free to use any licensed hospital, doctor or pharmacy.  In fact, HSA legislation was enacted to serve the goals of personal freedom and personal responsibility for your health care choices.

HSAs and PPOs Go Together

Virtually all HSA-compatible health plans are structured as Preferred Provider Organization (PPO) plans.  With PPOs, you have freedom of choice, but when you utilize participating PPO network health care and pharmacy providers, you save money because of negotiated discounts and higher insurance benefit levels.

Strong PPO Incentives to HSA Owner

When you're covered under a typical traditional health insurance plan with office visit co-pays and prescription co-pays, PPO discounts don't mean a lot.  When you visit the doctor, you make a fixed co-pay.  When you purchase a prescription, you make a fixed co-pay.  PPO discounts have no impact on your out-of-pocket expense.

However, this all changes with HSAs.  Until you've satisfied your HSA-compatible plan's high deductible, you're liable for the full cost of medically-necessary health care services.  You're faced with a more serious responsibility to make prudent health care purchase decisions.

That's why, with HSAs, it's so important to choose the right PPO nework, with physicians and hospitals that are accessible for you and your family members.

The more you utilize PPO network providers and receive hefty discounts on health care services, the lower your out-of-pocket expense, and the more you can save in your tax-advantaged Health Savings Account.