Office of Human Resources

High Deductible Health Plan (HDHP)

The Best Buy HSA HMO High Deductible Health Plan (HDHP) is designed to allow you to be more proactive in your medical care and includes a higher deductible than our other medical plans, but offers a lower rate to employees.

• You must choose a primary care physician (PCP) from the Harvard Pilgrim Health Care (HPHC) network. This physician will coordinate all of your care, including referrals to specialists.

• There is an annual deductible of $1,600 for individuals and $3,200 for a family. The deductible applies to both medical and pharmacy services. The family deductible is an aggregate and not capped individually.
• The out-of-pocket maximum (OOP Max) is $2,500 for an individual and $5,000 for a family. The family OOP Max is an aggregate and not capped individually.
• Enrolling in the HDHP allows you to enroll in a Heath Savings Account (HSA).
• Because the HDHP works differently than our other medical plans, it is important that you review the plan summary carefully and attend an information session on the HDHP and HSA before you enroll.