The Palmetto Health Savings Account medical plan is a consumer-driven health plan that maximizes your benefits when using Palmetto Health facilities and Palmetto Health Quality Collaborative physicians. The plan’s provider network consists of two tiers: a primary tier (Tier 1) and a secondary tier (Tier 2). Tier 1 consists mostly of Palmetto Health facilities and Quality Collaborative physicians. Tier 2 consists of all providers in BCBS’ national network that haven’t been included in Tier 1. Please click here for a list of Tier 1 (Palmetto Health Quality Collaborative) providers. Please click here for a list of Tier 2f (BCBS) providers.
The Palmetto Health Savings Account medical plan is intended for relatively healthy individuals and families who anticipate needing only routine preventive and minor sick care in the year ahead. There are no out-of-pocket costs for preventive services. Preventive services include annual physicals, screening services, well-child care and child/adult immunizations.
A health savings account will automatically be opened for you when you enroll in the Palmetto Health Savings Account medical plan. The account will be administered by BCBS’ partner HSA Bank and can assist you with qualified out-of-pocket health care expenses. Palmetto Health will make quarterly contributions to HSA Bank health savings account, provided all myHealth Rewards Program requirements have been met. The contributions will be made Jan. 19, April 13, July 20 and Oct.12, as long as you are enrolled in the Palmetto Health Savings Account medical plan on the first day of the corresponding month. These contributions are very important as they can help pay for health care expenses before you meet your Deductible.
- What is an HSA? (Video information from HSA Bank)
- Want to check your HSA balance? Contact HSA Bank at 800-357-6246 or visit www.HSABank.com/HSABank/Accountholders.
- Want to know what is eligible for HSA spending. Click here.
Please note the following recent changes to health plan eligibility:
- Working Spouse Eligibility – Team members may only cover a spouse if the spouse does not have access to medical insurance through his or her employer.
- Same-sex Domestic Partner Eligibilty - Palmetto Health offers benefits coverage to same-sex domestic partners of our team members. Please click here to review the tax implications of covering a domestic partner.
Schedule of Benefits
The following chart is only an overview. You should refer to your Summary Plan Description for any exclusions or limitations that may apply to the specific benefits.
Deductibles and Out-of-Pockets Maximums |
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Primary (Palmetto Health/PHQC) Tier | Secondary (BCBS) Tier |
Out-of-Network |
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Individual Deductible |
$2,000 |
$3,125 |
$4,000 |
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Family Deductible |
$4,000 |
$6,250 |
$8,000 |
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Individual Out-of-Pocket Max |
$4,000 |
$6,250 |
none |
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Family Out-of-Pocket Max |
$8,000 |
$12,500 |
none |
2018 Palmetto Health HSA Contributions |
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Full-time |
Part-time |
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Individual |
$282 per quarter; $1,128 per year |
$160 per quarter; $640 per year |
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Family |
$562.50 per quarter; $2,250 per year |
$320 per quarter; $1280 per year |
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Physician Office Visits |
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Primary (Palmetto Health/PHQC) Tier |
Secondary (BCBS) Tier |
Out-of-Network |
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Primary Care Preventive 2 |
100%, no deductible |
100%, no deductible |
50%, after deductible |
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Primary Care Sick |
100%, after deductible |
70%, after deductible |
50%, after deductible |
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Specialists |
100%, after deductible |
70%, after deductible |
50%, after deductible |
Physician Office Services |
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Primary (Palmetto Healt/PHQC) Tier |
Secondary (BCBS) Tier |
Out-of-Network |
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Lab Tests and X-rays |
100%, after deductible |
70%, after deductible |
50%, after deductible |
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Reading of Labs Preventive |
100%, no deductible |
100%, no deductible |
50%, after deductible |
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Reading of Labs Sick and X-rays |
90%, after deductible |
70%, after deductible |
50%, after deductible |
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Other Physician Office Services |
90%, after deductible |
70%, after deductible |
50%, after deductible |
Outpatient Hospital Charges |
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Primary (Palmetto Health/PHQC) Tier |
Secondary (BCBS) Tier |
Out-of-Network |
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Surgery – Facility Charge |
90% after deductible |
70% after deductible |
50% after deductible; |
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Surgery – Physician/Anesthesiologist |
90% after deductible |
70% after deductible |
50% after deductible |
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Labs – Test |
90% after deductible |
70% after deductible |
50% after deductible |
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Labs – Reading of Labs |
90% after deductible |
70% after deductible |
50% after deductible |
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X-rays – Facility |
90% after deductible |
70% after deductible |
50% after deductible |
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X-rays – Physician |
90% after deductible |
70% after deductible |
50% after deductible |
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MRI/CAT/PET/Nuc Scans – Facility |
90% after deductible |
70% after deductible |
50% after deductible |
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MRI/CAT/PET/Nuc Scans – Physician |
90% after deductible |
70% after deductible |
50% after deductible |
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Occupational, Physical and Speech Therapy and Cardiac Rehab |
90% after deductible |
70% after deductible |
50% after deductible |
Inpatient Hospital Charges |
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Primary (Palmetto Health/PHQC) Tier |
Secondary (BCBS) Tier |
Out-of-Network |
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Facility |
90% after deductible |
70% after deductible |
50% after deductible |
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Physician/Anesthesiologist |
90% after deductible |
70% after deductible |
50% after deductible |
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Emergency Dept |
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Primary (Palmetto Health/PHQC) Tier |
Secondary (BCBS) Tier |
Out-of-Network |
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Visit |
90% after deductible |
90% after deductible |
90% after deductible |
Urgent Care |
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Primary (Palmetto Health/PHQC) Tier |
Secondary (BCBS) Tier |
Out-of-Network |
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Visit |
100% after deductible |
70% after deductible |
50% after deductible |
Mental Health |
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Primary (Palmetto Health/PHQC) Tier |
Secondary (BCBS) Tier |
Out-of-Network |
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Office Visit |
100% after deductible |
70% after deductible |
50% after deductible |
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ED Visit |
90% after deductible |
90% after deductible |
90% after deductible |
Other Ancillary Services |
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Primary (Palmetto Health/PHQC) Tier |
Secondary (BCBS) Tier |
Out-of-Network |
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Home Health |
100% after deductible |
70% after deductible |
50% after deductible |
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DME |
90% after deductible |
70% after deductible |
50% after deductible |
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Hospice |
100% after deductible |
70% after deductible |
50% after deductible |
*For Employee + Spouse, Employee + Child (ren) and Family coverage, the family deductible is satisfied once your total family expenses reach the family deductible. One member cannot meet the family deductible. Only a combination of two or more individuals can meet the family deductible. An individual deductible applies to Employee coverage. In addition, there is an individual deductible embedded within Employee + Spouse, Employee + Child (ren) or Family coverage. The individual deductible within the family deductible is $2700 for TIer 1 (PHQC providers). One member can meet their individual deductible of $2700, with the combination of all other members adding up to meet the remainder of the deductible. Or, the combined claims of all members can meet the deductible.
1. Palmetto Health Facilities include: Baptist (Columbia), Baptist Parkridge, Baptist Easley Hospital, Richland, Tuomey, Greenville Hospital System and Parkridge Surgery Center
2. Pap Smear, PSA, Mammogram, Colonoscopy (screening), Bone Density, Physical, Immunizations (includes flu shots), Well-Baby, Well-Child Exam. Covered preventive services are subject to change
3. Click here for a list of Primary Tier (PHQC) providers. Click here to search the BCBS network.
2018 Health Savings Account Team Member Bi-Weekly Contributions
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Class |
Active, Full-Time |
Active, Part-Time |
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Tier |
Under $15.23 |
$15.23 - $30.45 |
$30.46 - $50.55 |
Over $50.55 |
Under $15.23 |
$15.23 - $30.45 |
$30.46 - $50.55 |
Over $50.55 |
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Bi-Weekly Contributions |
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With Discount |
Team Member Only |
$30.00 |
$31.00 |
$32.00 |
$33.00 |
$43.00 |
$46.00 |
$47.00 |
$47.00 |
|
Team Member+Spouse |
$69.00 |
$72.00 |
$74.00 |
$75.00 |
$106.00 |
$111.00 |
$113.00 |
$117.00 |
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Team Member+Child(ren) |
$69.00 |
$72.00 |
$74.00 |
$75.00 |
$106.00 |
$111.00 |
$113.00 |
$117.00 |
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Team Member+Family |
$69.00 |
$72.00 |
$74.00 |
$75.00 |
$106.00 |
$111.00 |
$113.00 |
$117.00 |
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Without Discount |
Team Member Only |
$59.00 |
$62.00 |
$63.00 |
$64.00 |
$80.00 |
$82.00 |
$85.00 |
$86.00 |
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Team Member+Spouse |
$104.00 |
$110.00 |
$112.00 |
$114.00 |
$150.00 |
$158.00 |
$162.00 |
$165.00 |
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Team Member+Child(ren) |
$104.00 |
$110.00 |
$112.00 |
$114.00 |
$150.00 |
$158.00 |
$162.00 |
$165.00 |
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|
Team Member+Family |
$104.00 |
$110.00 |
$112.00 |
$114.00 |
$150.00 |
$158.00 |
$162.00 |
$165.00 |
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Health Savings Account |
HSA Bank |
800-357-6246 |