A member of a consumer-driven health care (CDHP) plan has a health savings account (HSA) fund of $500 and a deductible of $1,000 (which has not yet been met), and the HDHP has an 80-20 coinsurance. Calculate the total amount this patient would owe if the bill for their services is $1,800.

Question

Quizplus · Accepted Answer

First, the $500 in the HSA is used, reducing the bill to $1,300. The deductible is $1,000, but since $500 has already been paid from the HSA, $500 remains to meet the deductible, leaving $800. With an 80-20 coinsurance, the insurance covers 80% of the remaining $800 ($640), leaving the patient to pay 20% of $800 ($160) plus the $500 remaining deductible. So, the patient owes $500 + $160 = $660.

A Member of a Consumer-Driven Health Care (CDHP) Plan Has