Health Savings Account Plan Benefit Provisions and Covered Charges

PURPOSE: This rule establishes the policy of the board of trustees in regard to the Health Savings Account (HSA) Plan, benefit pro visions, and covered charges of the Missouri Consolidated Health Care Plan. (1) Deductible—per calendar year for network: per individual, one thousand eight hundred dollars ($1,800); family, three thousand six hundred dollars ($3,600), and for non-network: per individual, three thousand three hundred dollars ($3,300); family, six thousand six hundred dollars ($6,600). (A) Network and non-network deductibles are separate. Expenses cannot be shared or transferred between network and non-network benefits. (B) Claims will not be paid until the applicable deductible is met. (C) Services that do not apply to the deductible and for which applicable costs will continue to be charged include, but are not limited to copayments, charges above the usual, custom ary, and reasonable (UCR) limit; the amount the member pays due to noncompliance; non-covered services and charges above the maximum allowed. (D) The family deductible applies when two (2) or more fam ily members are covered. The family deductible must be met before claim payment begins for any covered family member. Once the family deductible is met, the plan will start to pay claims for the entire family even if some family members have not met his/her own individual deductible. (E) Medical and pharmacy expenses are combined to apply toward the network or non-network deductible amount, as appropriate. (2) Coinsurance—Coinsurance amounts apply to covered ser vices after deductible has been met. Coinsurance is no longer applicable for the remainder of the calendar year once the outof-pocket maximum is reached. (A) Network claims are paid at eighty percent (80%) until the out-of-pocket maximum is met. (B) Non-network claims are paid at sixty percent (60%) until the out-of-pocket maximum is met. (3) Out-of-pocket maximum. (A) The family out-of-pocket maximum applies when two (2) or more family members are covered. The family out-of-pocket maximum must be met before the plan begins to pay one hundred percent (100%) of all covered charges for any covered family member. Out-of-pocket maximums are per calendar year, as follows: 1. Network out-of-pocket maximum for individual—five thousand four hundred dollars ($5,400); 2. Network out-of-pocket maximum for family—ten thou sand eight hundred dollars ($10,800). Any individual family member need only incur a maximum of eight thousand five hundred dollars ($8,500) before the plan begins paying one hundred percent (100%) of covered charges for that individual; 3. Non-network out-of-pocket maximum for individual— nine thousand nine hundred dollars ($9,900); and 4. Non-network out-of-pocket maximum for family— nineteen thousand eight hundred dollars ($19,800). (B) Network and non-network out-of-pocket maximums are separate. Expenses cannot be shared or transferred between network and non-network benefits. (C) Services that do not apply to the out-of-pocket maximum and for which applicable costs will continue to be charged include but are not limited to charges above the usual, cus tomary, and reasonable (UCR) limit; the amount the member pays due to noncompliance; and charges above the maximum allowed. (D) Medical and pharmacy expenses are combined to apply toward the network or non-network out-of-pocket maximum, as appropriate. (4) The following services will be paid as a network benefit when provided by a non-network provider: (A) Emergency services and urgent care; (B) Covered services that are not available through a net work provider within one hundred (100) miles of the member’s home. The member must contact the claims administrator be fore the date of service in order to have a closer non-network provider’s claims approved as a network benefit. Such approval is for three (3) months. After three (3) months, the member must contact the claims administrator to reassess network availability; (C) Covered services when such services are provided in a network hospital or ambulatory surgical center and are an adjunct to a service being performed by a network provider. Examples of such adjunct services include, but are not limited to, anesthesiology, assistant surgeon, pathology, or radiology. (5) Preventive care is not subject to deductible or coinsurance requirements and will be paid at one hundred percent (100%) when provided by a network provider. (6) Influenza vaccinations provided by a non-network provider will be reimbursed up to twenty-five dollars ($25) once the member submits a receipt and a reimbursement form to the claims administrator. (7) Nutrition counseling is paid at one hundred percent (100%) when provided by a network provider after deductible is met. (8) Four (4) Diabetes Self-Management Education visits received through a network provider are covered at one hundred per cent (100%) after deductible is met. (9) Sterilization procedure for men is paid at one hundred percent (100%) when provided by a network provider after deductible is met. (10) Virtual visits offered through the vendor’s telehealth tool are covered at one hundred percent (100%) after deductible is met unless Internal Revenue Service (IRS) guidance permits it to be paid at one hundred percent (100%) prior to deductible being met. (11) Diagnostic breast examinations, supplemental breast examinations as defined in section 376.1183, RSMo, and lowdose mammography screenings are covered at one hundred percent (100%) after deductible is met. (12) Diagnostic colorectal screenings are covered at one hundred percent (100%) after deductible is met. (13) Newborn’s claims will be subject to deductible and coinsurance. (14) Married, active employees who are MCHCP subscribers and have enrolled children may meet only one (1) family deductible and out-of-pocket maximum. Both spouses must enroll in the same medical plan option through the same carrier, and each must provide the other spouse’s Social Security number (SSN) and report the other spouse as eligible for coverage when newly hired and during the open enrollment process. In the medical plan vendor and pharmacy benefit manager system, the spouse with children enrolled will be considered the subscriber and the spouse that does not have children enrolled will be considered a dependent. If both spouses have children enrolled, the spouse with the higher Social Security number (SSN) will be considered the subscriber. Failure to report an active employee spouse when newly hired and/or during open enrollment will result in a separate deductible and out-ofpocket maximum for both active employees. (15) Each subscriber will have access to payment information of the family unit only when authorization is granted by the adult covered dependent(s). (16) Expenses toward the deductible and out-of-pocket maximum will be transferred if the member changes nonMedicare medical plans or continues enrollment under another subscriber’s non-Medicare medical plan within the same plan year. (17) Non-network plan payment—Non-network medical claims are processed following the claims administrator’s practice for non-network facility claims. Members may be held liable for the amount of the fee above the allowed amount. (18) Any claim must be initially submitted within twelve (12) months following the date of service, unless otherwise spec ified in the network provider contract. The plan reserves the right to deny claims not timely filed. A provider initiated cor rection to the originally filed claim must be submitted within the time frame agreed in the provider contract, but not to exceed three hundred sixty-five (365) days from adjudication of the originally filed claim. Any claims reprocessed as primary based on action taken by Medicare or Medicaid must be initi ated within three (3) years of the claim being incurred. (19) For a member who is an inpatient on the last calendar day of a plan year and remains an inpatient into the next plan year, the prior plan year’s applicable deductible and/or coinsurance amounts will apply to the in-hospital facility and related ancil lary charges until the member is discharged. (20) Services performed in a country other than the United States may be covered if the service is included in 22 CSR 102.055. Emergency and urgent care services are covered as a network benefit. All other non-emergency services are covered as determined by the claims administrator. If the service is pro vided by a non-network provider, the member may be required to provide payment to the provider and then file a claim for reimbursement subject to timely filing limits. (21) An active employee subscriber does not qualify for the HSA Plan if s/he is claimed as a dependent on another person’s tax return or, except for the plans listed in section (23) of this rule, is covered under or enrolled in any other health plan that is not a high deductible health plan, including but not limited to the following types of insurance plans or programs: (A) Medicare (unless Medicare is secondary coverage to MCHCP); (B) TRICARE; (C) A health care flexible spending account (FSA), with the ex ception of participation in the premium-only, limited-purpose health FSA, and dependent care section; (D) Health reimbursement account (HRA); or (E) If the member has received medical benefits from the Department of Veterans Affairs (VA) at any time during the previous three (3) months, unless the medical benefits received consist solely of disregarded coverage or preventive care. (22) If an active employee subscriber and/or his/her dependent(s) is enrolled in the HSA Plan and becomes ineligible for the HSA Plan during the plan year, the subscriber and/or his/ her dependent(s) will be enrolled in the PPO 1250 Plan. The subscriber may enroll in a different non-HSA Plan within thir ty-one (31) days of notice from MCHCP. (23) A subscriber may qualify for this plan even if s/he is cov ered by any of the following: (A) Drug discount card; (B) Accident insurance; (C) Disability insurance; (D) Dental insurance; (E) Vision insurance; or (F) Long-term care insurance. (24) Health Savings Account (HSA) Contributions. (A) To receive contributions from MCHCP, the subscriber must be an active employee and HSA eligible as defined in the Internal Revenue Service Publication 969 on the date the con tribution is made and open an HSA with the bank designated by MCHCP. 1. Subscribers who enroll in the HSA Plan during open enrollment who have a balance in a health care FSA on January 1 of the new plan year cannot receive an HSA contribution from MCHCP until after the health care FSA grace period ends March 15. (B) A new employee or subscriber electing coverage due to a life event or loss of employer-sponsored coverage with an effective date after the MCHCP contribution will receive an applicable prorated contribution. Unless a subscriber is eligible for a special enrollment period, a subscriber will not be able to voluntarily change his/her plan selection. (C) A subscriber who moves from subscriber-only coverage to another coverage level with an effective date after the MCHCP contribution will receive an applicable prorated contribution based on the increased level of coverage. (D) If a subscriber moves from another coverage level to subscriber-only coverage, cancels all coverage, or MCHCP terminates coverage and has received an HSA contribution, MCHCP will not request a re-payment of the contribution. (E) If both spouses are state employees covered by MCHCP and they both enroll in an HSA Plan, they must each have a separate HSA. The maximum contribution MCHCP will make for the family is one thousand dollars ($1,000) regardless of the number of HSAs or the number of children covered under the HSA Plan for either parent. MCHCP will consider married state employees as one (1) family and will not make two (2) family contributions to both spouses or one (1) family contribution and one (1) individual contribution. MCHCP will make a maxi mum five hundred dollar ($500) contribution to each spouse to total a maximum of one thousand dollars ($1,000). (F) The MCHCP contributions will be deposited into the sub scriber’s HSA as follows: 1. The January deposit will be made on the third Monday of the month, or the first working day after the third Monday if the third Monday is a holiday; 2. The April deposit will be made on the first Monday in April; and 3. Other deposits will be made on the third Monday of the month in which coverage is effective, or the first working day after the third Monday of the month coverage is effective if the third Monday is a state holiday. Deposit Subscriber only All other coverage levels January $500 $1,000 April (delayed contribution due to health care FSA grace period) $500 $1,000 All others A proration of $500 A proration of $1,000 (G) If a subscriber receives a deposit they are not entitled to, MCHCP reserves the right to recoup the deposit. AUTHORITY: sections 103.059 and 103.080.3, RSMo 2016.* Emergency rule filed Dec. 22, 2008, effective Jan. 1, 2009, expired June 29, 2009. Original rule filed Dec. 22, 2008, effective June 30, 2009. Emergency amendment filed Dec. 22, 2009, effective Jan. 1, 2010, expired June 29, 2010. Amended: Filed Jan. 4, 2010, effective June 30, 2010. Emergency amendment filed Dec. 22, 2010, effective Jan. 1, 2011, expired June 29, 2011. Amended: Filed Dec. 22, 2010, effective June 30, 2011. Emergency amendment filed Nov. 1, 2011, effective Jan. 1, 2012, expired June 28, 2012. Amended: Filed Nov. 1, 2011, effective May 30, 2012. Emergency amendment filed Oct. 30, 2012, effective Jan. 1, 2013, terminated May 29, 2013. Amended: Filed Oct. 30, 2012, effective May 30, 2013. Emergency amendment filed Oct. 30, 2013, effective Jan. 1, 2014, expired June 29, 2014. Amended: Filed Oct. 30, 2013, effective June 30, 2014. Emergency amendment filed Oct. 29, 2014, effective Jan. 1, 2015, expired June 29, 2015. Amended: Filed Oct. 29, 2014, effective May 30, 2015. Emergency rescission and rule filed Oct. 28, 2015, effective Jan. 1, 2016, expired June 28, 2016. Rescinded and readopted: Filed Oct. 28, 2015, effective May 30, 2016. Emergency amendment filed Oct. 28, 2016, effective Jan. 1, 2017, expired June 29, 2017. Amended: Filed Oct. 28, 2016, effective May 30, 2017. Emergency amendment filed Oct. 31, 2018, effective Jan. 1, 2019, expired June 29, 2019. Amended: Filed Oct. 31, 2018, effective May 30, 2019. Emergency amendment filed Oct. 30, 2019, effective Jan. 1, 2020, expired June 28, 2020. Amended: Filed Oct. 30, 2019, effective May 30, 2020. Emergency amendment filed Oct. 26, 2020, effective Jan. 1, 2021, expired June 29, 2021. Amended: Filed Oct. 26, 2020, effective May 30, 2021. Emergency amendment filed Oct. 29, 2021, effective Jan. 1, 2022, expired June 29, 2022. Amended: Filed Oct. 29, 2021, effective May 30, 2022. Emergency amendment filed Oct. 27, 2023, effective Jan. 1, 2024, expired June 28, 2024. Amended: Filed Oct. 27, 2023, effective May 30, 2024. Emergency amendment filed Oct. 25, 2024, effective Jan. 1, 2025, expired June 29, 2025. Amended: Filed Oct. 25, 2024, effective May 30, 2025. Emergency amendment filed Nov. 12, 2025, effective Jan. 1, 2026, expired June 29, 2026. Amended: Filed Nov. 12, 2025, effective May 30, 2026. *Original authority: 103.059, RSMo 1992, and 103.080, RSMo 2007, amended 2011.