MHBP Consumer Option

Experience affordable rates, great benefits, tax advantages, savings opportunities and greater control in this non-traditional health plan. Consumer Option gives you money to spend on health care services that are important to you, and you get tax savings along the way. With Consumer Option you get:

• Immediate preventive care benefits, including an annual physical and certain screenings, are covered 100% when you use PPO providers (no non-PPO benefits).
• Protection from high health care costs with comprehensive coverage that provides benefits once you meet your deductible.
• Low copayments—After you meet your deductible, you are eligible to pay only low copayments and coinsurance for your covered care.
• Up to $1,690 for family coverage per year to spend on qualified medical expenses—the money is yours to keep—spend it or save it.
• A Health Savings Account (HSA)—that you own. We’ll help you open the account, which doesn’t cost you anything, and make monthly deposits. You can make deposits too. Deposits are Tax Free (up to IRS defined limits).
• A debit card gives you convenient access to your HSA funds.
• Rollover funds from year to year—With a Health Savings Account (HSA) there is no “use it or lose it” rule. Any unused funds in your HSA roll over from year to year, allowing you to accumulate funds for future health care expenses.

View the Consumer Option Summary of Benefits, or view our Official Plan Brochure for a complete description of benefits.

More Tools:
MHBP helps you make an informed choice by giving you the tools to compare plans and research health care costs.

Healthy, Wealthy, Wise Brochure—View or download our comprehensive guide to understanding Consumer Option.

Frequently Asked Questions—Learn the basics about how the Heath Savings Account (HSA) works with the Consumer Option plan and more.

Benefit Calculator—See if the MHBP Consumer Option can save you money.

Network Fee Lookup Tool—Learn the average network rate for physician services or procedures within a specified area for participating PPO network providers.