An HDHP covers preventative care like screening for high blood pressure and depression, counseling on diet and nutrition.
HIV testing, and vaccinations against diseases like chickenpox, the flu, and measles.
Copays and coinsurance for preventative procedures are not borne by insured individuals.
Acupuncture, dental care, and vision care are examples of non-qualified medical expenses that are not covered.
However, keep in mind that you can set up and use an HSA in conjunction with an HDHP to pay for non-qualified dental and medical expenses.
If you use funds from an HSA to pay for non-qualified medical expenses, you will be subject to income taxes and, depending on your age, a penalty of up to 20%.
Who provides health plans with high deductibles?
You can help inclusion under a HDHP through your boss (large numbers of whom contribute a piece of the HSA cost as a representative advantage).
The government’s health care exchanges also offer these plans.
