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More preventive care covered under high-deductible plans

preventive care

More care covered before the deductible is met

This summer, the IRS expanded the list of preventive care benefits that can be covered by a high deductible plan before the deductible is met. 

Why does this matter? In a high deductible plan, only preventive care is covered before the consumer meets their deductible. The longer list of accepted services means more care will be covered at no or low-cost to employees.

The newly covered services only apply when prescribed to treat a person diagnosed with a specific chronic condition, and when prescribed for the purpose of preventing exacerbation of that chronic condition or the development of a secondary condition.

Below a list of the newly covered preventive care for specific conditions, and the associated conditions.

More: IRS sets HSA limits for 2020

  • Angiotensis Converting Enzyme inhibitors | Congestive heart failure, diabetes and/or coronary artery disease
  • Anti-resorptive therapy | Osteoporosis and/or osteopenia
  • Beta-blockers | Congestive heart failure and/or coronary artery disease
  • Blood pressure monitor | Hypertension
  • Inhaled corticosteroids | Asthma
  • Insulin and other glucose lowering agents | Diabetes
  • Retinopathy screening | Diabetes
  • Peak flow meter | Asthma
  • Glucometer | Diabetes
  • Hemoglobin A1c testing | Diabetes
  • International Normalized Ratio testing | Liver disease and/or bleeding disorders
  • Low-density Lipoprotein testing | Heart disease
  • Selective Serotonin Reuptake Inhibitors | Depression
  • Statins | Heart disease and/or diabetes

Here is a list of preventive care already covered, from Healthcare.gov

  • Abdominal aortic aneurysm one-time screening for men of specified ages who have ever smoked
  • Alcohol misuse screening and counseling
  • Aspirin use to prevent cardiovascular disease and colorectal cancer for adults 50 to 59 years with a high cardiovascular risk
  • Blood pressure screening
  • Cholesterol screening for adults of certain ages or at higher risk
  • Colorectal cancer screening for adults 50 to 75
  • Depression screening
HSA-eligible plans, often called high deductible plans, are a key strategy in building a sustainable health plan. For more, check out "Tips for optimizing an HSA benefits strategy."

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