A female member of a CDHP has an HSA fund of $820 and a deductible of $500 (which has not yet been met), and the HDHP has a 75-25 coinsurance. Calculate the amount this patient would owe after drawing down her HSA if the bill for her services is $2,100.

Question

Quizplus · Accepted Answer

First, the deductible of $500 is paid from the HSA, leaving $320 in the HSA. The remaining bill is $1,600 ($2,100 - $500). With a 75-25 coinsurance, the insurance pays 75% of $1,600, which is $1,200. The patient is responsible for the remaining 25%, which is $400. The HSA covers $320 of this, leaving the patient to pay $80 out-of-pocket.

A Female Member of a CDHP Has an HSA Fund