MyHealth Bundle FAQs: How a High Deductible Health Plan Works With the Program

High deductible health plan participation is up to the discretion of your employer. Please visit your employer’s benefits website or speak with a patient navigator to confirm.

HDHP members have a federal minimum required spend per calendar year.  If you have not hit the required spend, this will apply towards your bundle. (The minimum spend for individual HDHP plans is $1,500. The minimum spend for family HDHP plans is $3,000.) For example, if you have a family HDHP and only spend $2,000 toward your deductible, you will be responsible for paying $1,000 after the calendar year ends to satisfy the minimum deductible requirement to receive bundle services. You will be billed this difference in the spring of the following calendar year to allow for all the previous year's claims to have time to process. We will send a notice toward the end of the calendar year to remind you of this responsibility and allow you to work toward meeting the balance with other needed health care services.

This is the amount the IRS requires for you to contribute toward your deductible to be eligible to receive discounted services through the bundle and be able to contribute to a Health Savings Account.

Your health plan may have set a different deductible than the minimum deductible requirement. Meeting the minimum deductible contributes to meeting your health plan’s deductible, but the health plan’s deductible may be higher. 

You will be required to meet the minimum deductible in the calendar year when most of your services are received.

• If you enroll in a bundle and complete the bundle in the same year, you will only need to meet the minimum deductible in that year.
• If you enroll in a bundle at the end of the year but most of your care is received in the following year, you will be required to meet the minimum deductible in the second year only.
• If you are enrolled in the maternity bundle and have your ultrasound in one calendar year and deliver the following calendar year, you WILL be required to reach the minimum deductible in both years.

Your contributions toward your deductible will be reviewed in the spring of the following calendar year to allow time for all end-of-the-year claims to process through the system. If you owe at this point, you will then be billed. This will likely occur in April.

If you enrolled in the bundle with an HDHP plan and received most of your care in that plan year, you will still be responsible for meeting the minimum required contribution of $1,500 for an individual plan or $3,000 for a family plan if you switch to a different plan. If you switch to a different qualifying plan before receiving care in the bundle program, you will not be required to meet the minimum required contribution. Please reach out to a patient navigator if your plan changes.

Once you have been billed, you will be sent two reminders if you have not paid the outstanding balance. After these reminders have been sent, if you have still not satisfied the balance, your employer may send your bill to collections. You will also be considered out of compliance with the IRS minimum deductible requirement for the care received.