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Everyday we're faced with choices it can be confusing and a little overwhelming when it comes to choosing healthcare for you and your family Kaiser Permanente wants to make it easy one of the plans we offer is called the hsa-qualified deductible HMO plan or high deductible health plan sometimes called the HDHP here's how it works with the HDHP most of your preventive care services are covered at little or no cost to you then each time you go to the doctor you pay the full cost for the office visit and for any prescription medication if you have procedures or tests during the visit things like x-rays a breathing test or the removal of a mole you also pay the full cost for those procedures or services and you pay full cost for services like MRIs or cat scans outpatient surgery and inpatient hospitalization the money you pay for procedures and services office visits and prescriptions is all applied to your annual deductible after you satisfy the deductible the next time you go to the doctor you pay only part of the cost of the office visit procedure or service and you pay a set copay for most prescription medications the part you pay for the office visit procedure or service is called coinsurance the coinsurance as well as your prescription co-pays gets applied to your out-of-pocket maximum or OPM everything you paid into your deductible gets applied as well you continue paying coinsurance for your office visits procedures and services and co-pays for your prescription medications until you reach your OPM after your OPM has been reached Kaiser Permanente covers a hundred percent of the cost for most everything covered under the plan for the rest of the year it's that simple keep in mind depending on your plan the deductible and OPM start over when your plan renews or on January 1st each year for most HD HP's if your plan covers any family member you will have a family deductible and a family opium instead of individual ones all family members work toward meeting one family deductible and one family opium be sure to check your plan so how do you know if the HDHP is right for you you have the potential for paying more money out-of-pocket for office visits procedures services and prescriptions with this plan however you could save money if you rarely go to the doctor consider your unique situation and things like chronic conditions prescription medications how frequently you visit the doctor and whether you could cover the cost of services up to your OPM if needed look at the options what makes the most sense Kaiser Permanente wants you to have the plan that's right for you we're here to help you.