Skip to main content

High-Deductible Health Plan for RWJBH BHealthy Care

The High-Deductible Health Plan (HDHP) gives you the flexibility to spend your health care dollars as you choose.

High Deductible Health Plan (HDHP) members must meet a deductible before the plan begins covering services. Preventive services, such as wellness exams, prenatal care and cancer screenings are covered at 100% when the providers are in-network, whether you have met your deductible or not. Coverage for all other services, including prescription drugs, does not begin until you have met your deductible. The HDHP provides both in–network and out-of-network coverage.

  • In-Network Tier: Covers services provided by physicians and facilities that participate in the Horizon Direct Access® Network and the national BlueCard® network outside of New Jersey, including RWJBarnabas Health facilities and providers. Using providers in this tier provides you with the lowest out-of-pocket costs.
  • Out-of-Network Tier: Covers services provided by physicians and facilities that do not participate in either the Horizon Direct Access network or the national BlueCard network.

If you elect to participate in the HDHP, you may be eligible to set aside pre-tax money into a Health Savings Account (HSA) to help pay for eligible expenses and offset your deductible or coinsurance amounts. The HSA belongs to you. That means that you can keep the account even if you change employers, and the balance rolls over from year to year. Remaining funds can also be used to fund health coverage in retirement.