Skip to main content Skip to footer

Health Savings Account (HSA) Plan

Available to all benefits-eligible employees

Get to know your HSA Plan better

2020 User Guide

For all those enrolled in the HSA Plan for 2020: Use this handy guide for tips and tricks on how to make the most of your plan throughout the year.

How it works
HSA Plan
Provider network
All three networks are available with this plan; however, the Tier 1 BSWQA Network is always the best value!
You pay 100% of non-preventive costs until your deductible is met. Deductible is $1,500 for employee or $3,000 for family (Tier 1). Once the deductible is met, you pay coinsurance until you reach the out-of-pocket maximum.
There's no cost for preventive visits.
Copays are not available with this plan.
tax-free savings accounts
Pairs with a health savings account (HSA) and/or limited-purpose flexible spending (FSA) account.

HSA: Save tax-free dollars for current or future healthcare expenses, including retirement.

Limited-purpose FSA: Save tax-free dollars for dental and vision expenses, until you meet your deductible so you can build your HSA balance.

Learn more about all tax-free savings accounts.
Manage your accounts through Optum Bank.
Leftover HRA dollars?
Leftover HRA dollars are not eligible for use with this plan.

Deeper Dive

View coverage and costs

Our network tiers

Tier 1 BSWQA Network is always the best value

All of our medical plans are administered by Scott and White Health plan, with coverage through different networks. Depending on the medical plan you choose, you'll have access to one or more networks, also called coverage tiers.

Watch to learn more about our network tiers and discover why keeping your care within the Baylor Scott & White family is great for your health and your wallet!


Still wondering what plan is right for you?


Special delivery

We're proud to support our expecting moms

Expecting the Best® Maternity Program

Women receive free support during pregnancy and up to one year postpartum through Expecting the Best®, the maternity case management program offered by the Scott and White Health Plan. All expectant moms enrolled in a BSW medical plan are eligible to participate.e.


Frequently asked questions | HSA

How much do I pay for preventive care?
Preventive care*, such as physicals, screenings, immunizations and more, are provided at no cost when you use a Tier 1 BSWQA Network or Tier 2 Cigna National Network provider. Preventive eye exams are not included as part of our medical plans. If you or a covered dependent need routine eye care, our vision plan can help make glasses and contacts more affordable.

How much do I pay for non-preventive care?
You pay 100% of the contracted rate for non-preventive costs until your deductible is met. Once the deductible is met, you’ll pay  coinsurance (a percentage of the cost) up until you reach the out-of-pocket maximum. You can always choose to utilize your HSA funds to help pay these costs or save them for later.

How much do I pay for prescription drugs?
Prescription drug costs count toward your deductible. This means you pay 100% of the contracted rate until you meet your deductible. After your deductible, you will pay coinsurance until your out-of-pocket maximum is met. Click here to learn more about our prescription drug benefits.

How much is the out-of-pocket maximum?
Your out-of-pocket maximum will vary based on how many dependents you are covering. All plans have an embedded out-of-pocket maximum so that no one in the family pays more than the individual maximum. A separate out-of-pocket maximum applies for services provided under each tier.

  • Tier 1 BSWQA Network medical expenses count toward meeting the Tier 2 Cigna National Network out-of-pocket maximum, but not vice-versa
  • Costs of all drugs filled at Baylor Scott & White Health pharmacies or contracted pharmacies apply to Tier 1 BSWQA Network and Tier 2 Cigna National Networ
  • There is no out-of-pocket maximum for the Tier 3 Network
  • Amounts paid for Tier 3 do not apply to Tier 1 BSWQA Network or Tier 2 Cigna National Network out-of-pocket maximum
  • All in-network pharmacy claims are subject to the Tier 1 out-of-pocket maximum only.

Will I have out-of-pocket protection?
Yes. Once you pay your out-of-pocket maximum in Tier 1 Network BSWQA or Tier 2 Cigna National Network, the plan will pay 100% of the cost of additional eligible care expenses in that tier.

*Services will be covered at 100% when billed with a preventive diagnosis code.

NEW! Same-day video visits

Get care where and when you need it. Access video visits or eVisitsVideo visits via the MyBSWHealth app. Starting on Jan. 1, 2020, video visits are available 8 a.m. to 8 p.m. seven days a week. To be eligible, employees must have a MyBSWHealth account.

Note: HSA plan enrollees must meet their deductible first before the visit is covered at 100%.

When I had a sinus infection the video visit was a lifesaver. I didn’t have to wait long or miss work time to travel. It felt the same as video chatting with a friend. Plus, the prescription was ready for me by the end of the day.  

Amanda Lincer, Executive Assistant

Download the MyBSWHealth app


This site summarizes the programs and benefits available to employees and their eligible dependents. Official plan documents, policies and certificates of insurance that contain the details, conditions, maximum benefit levels and restrictions on benefits govern our benefits program and are available on this site. In case of a conflict between this site and the official documents, the official documents prevail. The information on this site isn't a guarantee of benefits. Baylor Scott & White reserves the right to modify or terminate its employee benefit plans and programs at any time for any reason.

Click here if you have feedback on the website or need to report an issue. All other questions and issues, please contact the corresponding resource on the Need Help page.

Scroll To Top