HDHP With HSA

Enrolling in an HDHP for the first time?

If you’re enrolling in an HDHP for the first time, we encourage you to:

Understand how the HDHP with HSA works before enrolling.
View a recording of a Cigna webinar in English or Spanish.
Read our list of Frequently Asked Questions.

English Cigna Webinar (56:09)

Webinar de Cigna en español (1:11:56)

How the HDHP Works

STEP 1: YOUR HEALTH SAVINGS ACCOUNT (HSA) WITH OPTUM BANK IS OPENED

When you enroll in the HDHP with HSA, Parkland will add money to your HSA: $500 for employee-only or $1,000 for employee and spouse, employee and children or family coverage. Parkland will make contributions to your HSA each pay period. No retroactive contributions will be made. For example, if you become eligible for the HDHP in May, Parkland will begin contributing to your HSA each pay period, starting in May, as long as you elect HDHP with HSA. You can also contribute pre-tax money of your own, up to IRS limits. Learn more about the HSA.

STEP 2: PAY TOWARD YOUR DEDUCTIBLE

You pay 100% of the full cost of care (contracted and negotiated with Cigna) for medical care and prescription drugs (except for in-network preventive care) until you meet your deductible. You can use your HSA to help you pay for care before you have to dip into your own pocket. You must have the money in your HSA to cover the expense.

STEP 3: SHARE COSTS WITH THE HDHP

Once you meet your deductible, you’ll share costs with the HDHP — using money from your HSA or your own wallet — until you meet the out-of-pocket maximum.

STEP 4: THE HDHP PAYS THE REST

If you reach your out-of-pocket maximum, the HDHP will pay 100% of your eligible expenses for the rest of the calendar year.

Understanding the Medical Tiers

Wondering what the different tiers mean and how they work? This short video walks you through it.

Tier 1

Parkland Health Network and
Children’s Medical Center

Get the highest level of benefits and lowest coinsurance.
After you meet the deductible, you’ll pay a $20 copay for PCP visits. For specialist visits, you’ll pay 10% after you meet the deductible.
Tier 1 providers are doctors who provide your care at Parkland Health or Children’s Medical Center (Dallas and Plano). This includes UTSW physicians with Parkland privileges only when they treat you at a Parkland facility.
Tier 1 facilities include Parkland Hospital, the Employee Health Center (EHC), the Employee Women’s Wellness Center (EWWC), the COPC centers and Children’s Medical Center (Dallas and Plano).

Tier 2

Cigna Open Access Plus Network

Costs you pay for Tier 2 care will accumulate toward the same Tier 1 deductible
After you meet the deductible, you’ll pay 30% coinsurance for PCP and specialist visits.
Tier 2 providers/facilities include those in the Cigna Open Access Plus Network. This includes UTSW when your services are provided at UTSW facilities and not at a Parkland Health facility.
UTSW/Aston, Cook Children’s Medical Center, Baylor Scott & White Health, Methodist Health System and THR (Texas Health Resources) facilities are also in Tier 2.

Tier 3

Out of Network

Use any provider/facility outside of Tiers 1 and 2 and receive out-of-network Tier 3 benefits.
This tier has the highest deductibles and out-of-pocket maximums.
After you meet the deductible, you pay 50% plus any charges over the reasonable and customary (R&C) amount.
In most cases, you’ll pay out of pocket and then file claims to be reimbursed.

If You See a Tier 1 Provider in the HDHP

Be aware if you see a Tier 1 provider, your lab work, imaging or surgeries may be done by a Tier 2 provider or facility.

Frequently Asked Questions

With a $0 premium for employee-only coverage, participation in the HDHP seems like a no-brainer. Are there any reasons why I should not pick the HDHP?

Yes. If you do not have the cash on hand to cover the deductible and the out-of-pocket maximum, you should think twice before electing the HDHP.

If I am not going to contribute to the HSA, do I still need to open an account with Optum when I initially enroll in the HDHP?

Yes. You must set up an HSA with Optum Bank so that Parkland can make its contribution to your account. If you don’t set up your account, you will not receive Parkland’s contribution. Once your account is set up, you will also need to re-enroll each year in order to continue to receive Parkland’s contribution and make your own contributions.

Have more questions?

Take a look at these additional FAQs.

Get answers

HSA Contributions at a Glance

If you enroll in the HDHP with HSA, Parkland will add money to your HSA each pay period — $19.24 for employee-only coverage and $38.47 for any level of family coverage. If you elect the HDHP but do not enroll in the HSA, you will not receive the Parkland-funded contributions. The two elections are separate in PeopleSoft. You may also contribute to your HSA.

	2024 Parkland Annual HSA Contributions
Employee-only coverage	$500
Any level of family coverage	$1,000

Medical Benefits at a Glance (HDHP)

Here’s a look at what you’ll pay when you need care under each of the three tiers. If a service is not provided by a Tier 1 provider or facility, you will need to receive the service from a Tier 2 or Tier 3 provider. Your benefit will be paid based on the tier of the provider that you use. If you reach the out-of-pocket maximum, the plan pays 100% of eligible charges for the remainder of the calendar year.

Use the search bar at the top of the chart to help you find how your service is covered.

For a full list of covered services, refer to the PEHP Plan Documents posted in the Legal Notices section.

To find a provider, contact Cigna, at mycigna.com or 800-247-4433. (Prior to Jan. 1, 2024, search for doctors in the Cigna Open Access Plus Network at Cigna Health Care Provider Directory.)

	TIER 1: Parkland Health Network and Children's Medical Center	TIER 2: Cigna Open Access Plus Network	TIER 3: Out of Network
Calendar-Year Deductible (Amount you must pay before the plan pays benefits, except for certain preventive care. Amounts you pay towards the deductible count toward your out-of-pocket maximum.)
Per PersonDeductible	$3,500 (applies to coinsurance only)	$3,500 (applies to coinsurance only)	$4,000
Per FamilyDeductible	$7,000 (applies to coinsurance only)	$7,000 (applies to coinsurance only)	$20,000
Calendar-Year Out-of-Pocket Maximum¹ (Maximum amount you will pay out of pocket for the calendar year. If you reach this limit, the plan will pay 100% of your covered expenses for the rest of the calendar year.)
Per PersonOut-of-Pocket Maximum	$7,000	$7,000	$10,000
Per FamilyOut-of-Pocket Maximum	$14,000	$14,000	$20,000
Lifetime Maximum
Per PersonLifetime Maximum	Unlimited	Unlimited	Unlimited
What You Pay
Preventive Care²rowlabel
Routine health assessments and immunizationsPreventive Care	$0 copay³	$0 copay³	50% after deductible
Physician Services (office or virtual visits)rowlabel
Primary carePhysician Services	$20 copay after deductible	30% after deductible	50% after deductible
SpecialistPhysician Services	10% after deductible	30% after deductible	50% after deductible
Convenience Care (walk-in clinics located in retail stores, supermarkets and pharmacies that treat uncomplicated minor illnesses and provide preventive health care services)rowlabel
Convenience care clinic	N/A	30% after deductible	50% after deductible
Emergency Carerowlabel
Hospital emergency room visit	10% after deductible	30% after deductible	30% after Tier 2 deductible
Hospital admission from emergency room⁴	10% after deductible	30% after deductible	50% after deductible
Urgent care	10% after deductible	30% after deductible	50% after deductible
Ground ambulance services Emergency Care	N/A	30% after deductible	30% after Tier 2 deductible
Inpatient Hospitalrowlabel
Per admissionInpatient Hospital	10% after deductible	30% after deductible	50% after deductible
Outpatient Medicalrowlabel
Outpatient facility servicesOutpatient Medical and outpatient professional services (surgeon, radiologist, pathologist, anesthesiologist) Outpatient Medical	10% after deductible	30% after deductible	50% after deductible
Lab rowlabel
Office visitLab and X-ray	$0 after deductible	$0 after deductible	50% after deductible
Independent lab or outpatient facility	$0 after deductible	30% after deductible	50% after deductible
Mental Health and Substance Abuse Treatmentrowlabel
Outpatient Mental Health Substance Abuse Treatment	10% after deductible	30% after deductible	50% after deductible
Inpatient Mental Health Substance Abuse Treatment	10% after deductible	30% after deductible	50% after deductible
Maternity Carerowlabelpregnancy
Initial visit to confirm pregnancymaternity care	10% after deductible	30% after deductible	50% after deductible
Subsequent physician services including deliverymaternity carepregnancy	10% after deductible	30% after deductible	50% after deductible
Hospitalization (per admission)maternity carepregnancy	10% after deductible	30% after deductible	50% after deductible
X-raysrowlabel
Physician's service/office visit and outpatient facilityradiology	$0 after deductible	30% after deductible	50% after deductible
Advanced Radiological Imaging (includes MRI, MRA, CAT scan, PET scan, etc.)rowlabel
Outpatient facility	10% after deductible	30% after deductible	50% after deductible
Physician's services/office visit	10% after deductible	30% after deductible	50% after deductible
Durable Medical Equipmentrowlabel
Durable medical equipment services	10% after deductible	10% after deductible	Not covered
Skilled Nursing Care in Facility⁵rowlabel
Up to 60 days/year instead of acute hospital careskilled nursing	10% after deductible	10% after deductible	50% after deductible
Home Health Carerowlabel
Home nursing visits prescribed by a doctorhome health care	10% after deductible	10% after deductible	50% after deductible
Hospice Carerowlabel
If pre-authorizedhospice	10% after deductible	10% after deductible	50% after deductible
Rehabilitation Services⁵rowlabel
Outpatient (up to 60 days/year)rehabilitation	10% after deductible	30% after deductible	50% after deductible
Inpatient (up to 60 days/year)rehabilitation	10% after deductible	10% after deductible	50% after deductible
Family Planningrowlabel
Infertilityinfertility ($20,000 lifetime medical maximum benefit; integrated with pharmacy)	10% after deductible	30% after deductible	50% after deductible
Hearing Aidsrowlabel
Up to $2,000 every 36 months for each devicehearing	$0 after deductible	$0 after deductible	Not covered
Allergy Testing and Evaluationrowlabel
Testing and physician visitsallergy	10% after deductible	30% after deductible	50% after deductible

¹ Calendar-year out-of-pocket maximum includes amounts you pay toward the deductible. It does not include copays, amounts over plan limits and penalties.

² Routine health assessments include routine physicals, such as well-adult checkups, well-woman care and well-baby/well-child care.

³ These preventive services are covered at a $0 copay if billed by a separate facility: routine adult/child lab and X-rays, annual mammogram (including 3D), PSA (prostate-specific antigen) and Pap smear.

⁴ If admitted to hospital from the emergency room.

⁵ 60 days combined maximum per calendar year for skilled nursing facility, rehabilitation (inpatient and outpatient) and sub-acute facilities.

Free-Standing Emergency Room Visits

The PEHP does not cover visits to out-of-network, free-standing emergency rooms, which are facilities that:

Provide emergency medical services at a place outside of a regular hospital campus, and
Are not attached to a hospital or even located near one.

Pregnant Couple On Sofa At Home Looking At Baby Clothes

Save on Maternity Care

If you meet the calendar year deductible prior to your delivery, the HDHP in the Parkland Employee Health Plan will waive copays or coinsurance for all routine obstetric office visits related to your prenatal care if you participate in the Maternity Care Program through the Cigna Healthy Pregnancies/Healthy Babies Program during your first or second trimester.

Delivering at Parkland?

If you participate in the program, go to the Employee Women’s Wellness Center for routine doctor’s visits during pregnancy and deliver a healthy baby at Parkland, you’ll pay $0 for all services after you meet the calendar year deductible, including anesthesiology and facility charges.
If you participate in the program, go to a doctor who is not at the new Employee Women’s Wellness Center for routine doctor’s visits during pregnancy and deliver a healthy baby at Parkland, you will pay a $500 copay for the birth after you meet the calendar year deductible.

To be eligible for these incentives, you must enroll in the Healthy Pregnancies/Healthy Babies Program during your first or second trimester and continue to participate in the program each trimester of your pregnancy.

Learn more

Infertility Benefit To Help You on Your Parenting Journey

Parkland offers a generous infertility benefit covering a wide range of treatments and services. The infertility benefit is integrated with your pharmacy benefits. Employees enrolled in the HDHP have up to a $20,000 lifetime maximum for infertility benefits. You must first meet the deductible before the HDHP will begin paying benefits based on the tier of the provider that you use.

Your 2024 Medical Biweekly Benefit Deductions (HDHP)

For full-time employees, deductions are based on annual wages as shown in the chart below.

	Full-Time Employees Whose Annual Wages Are						Part-Time Employees With Benefits
Wagesrowlabel	Under $35,000	$35,000–$45,000	$45,001–$65,000	$65,001–$100,000	Over $100,000	All Hourly Rates
Coverage Category
Employee Only	$0.00	$0.00	$0.00	$0.00	$0.00	$113.70
Employee Plus Children	$79.95	$111.50	$141.38	$172.94	$202.39	$298.32
Employee Plus Spouse	$98.04	$136.33	$175.04	$214.17	$246.57	$363.38
Employee Plus Family	$136.33	$188.93	$241.52	$293.28	$339.99	$517.19

Note: If your salary increases between Open Enrollment and Jan. 1, 2024, the increase may move you into a higher benefit premium salary tier than what you are in during Open Enrollment. This situation especially applies if your current salary level is close to the top of one of the salary tiers.

Covering Your Spouse

If your spouse has access to health care coverage through his/her own employer, you will pay a surcharge to cover them under the PEHP. The surcharge will be $75 per pay period. Watch your mailbox for a packet containing next steps on the Working Spouse Health Coverage verification process. Failure to complete the verification process by the deadline means Parkland will apply the surcharge. You must repeat this process every year.