![]() "First-dollar coverage is beneficial to employees because it allows a health insurance provider to cover telehealth services without a patient having to first pay their co-pay or deductible." Dickens, SHRM chief of staff, head of government affairs and corporate secretary. 31," according to the letters, which were signed by Emily M. Unfortunately, this provision is set to expire on Dec. "Americans with high-deductible health plans and health savings accounts … can currently receive telehealth benefits pre-deductible. Both policies were temporarily made available to employers under the CARES Act. House of Representatives and of the Senate urging them to continue pre-deductible coverage of telehealth services for high-deductible health plans and to treat telehealth services as an excepted benefit. 10, the Society for Human Resource Management (SHRM) wrote to Democratic and Republican committee leaders of the U.S. SHRM Encourages Continuation of Pre-Deductible Telehealth Coverage Grant a temporary extension of pre-deductible telehealth coverage beyond the end of 2021 (one-fifth).Make permanent the CARES Act provision allowing pre-deductible coverage of telehealth services within an HSA-eligible plan (three-quarters). ![]() Most employers would offer additional pre-deductible coverage if allowed by law, EBRI found. Normal cost-sharing can still be imposed for telehealth visits, such as through co-pays that the plan may require after the deductible is paid. ![]() The Coronavirus Aid, Relief, and Economic Security (CARES) Act allowed HSA-eligible health plans to provide pre-deductible coverage for telehealth services, but only through 2021. Is a long-term cost-saving measure (one-half).įuture Expansion of Health Care Services Sought.Helps with employee retention (two-thirds).Was the right thing to do (cited by three-quarters of respondents).Those who made changes primarily did so for the sake of their employees, but many had business considerations as well, saying that expanding pre-deductible coverage for chronic conditions: "Interventions that improve patient-centered outcomes while ultimately maintaining affordability may be found in the form of clinically nuanced HSA-eligible health plans that better meet workers' clinical and financial needs."Įmployers offered several reasons for adding pre-deductible coverage for the 14 health care services allowed under IRS Notice 2019-45. "Value-based reimbursement promotes the delivery of evidence-based, high-quality care that encourages use of-rather than creates barriers to-high-value services," Fronstin said. "Smarter deductibles services that prevent the exacerbation of chronic conditions might be a natural evolution of health plans," said Paul Fronstin, director of EBRI's health research and education program, and co-author of the report. ![]() companies with at least 200 employees, conducted in July and August. The data for this study comes from a survey of benefits decision-makers at 354 U.S. employers offering HSA-eligible health plans have expanded pre-deductible coverage for medications and services that keep chronic conditions under control, in response to IRS Notice 2019-45. Treasury Department and the IRS issued IRS Notice 2019-45, which added prescription drug coverage and other treatments for chronic conditions to the list of preventive-care benefits that a high-deductible health plan (HDHP) can pay-even if a plan enrollee's health care spending hasn't exceeded the plan deductible-without running afoul of the rules allowing pretax contributions to health savings accounts (HSAs).Įmployers were allowed to change their HDHPs to offer expanded pre-deductible care for chronic conditions but weren't required to do so.Īccording to a new report from the nonprofit Employee Benefit Research Institute (EBRI) in Washington, D.C., Employer Uptake of Pre-Deductible Coverage for Preventive Services in HSA-Eligible Health Plans, three-quarters of large U.S. ![]()
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