Health Savings Plan

Health Savings Plan (HSP)

Microsoft provides medical coverage for you and your eligible dependents with zero paycheck premiums. The Health Savings Plan (HSP) with Premera Blue Cross is designed to give you flexibility and control over your healthcare spending. Not only does it include comprehensive medical coverage, but it also offers a tax-free way to save for future medical expenses through a Health Savings Account (HSA).

Quick tip! Check out the Health Savings Account page to see how much Microsoft contributes and learn how to make an HSA work for you.

You're eligible to participate in the Health Savings Plan if you're a benefit-eligible employee on the Microsoft US payroll and don't live in Hawaii. You can also enroll eligible dependents including your legally married spouse or domestic partner (same or opposite sex), dependent children under age 26, and incapacitated children aged 26 and older. For additional details, review the full definition of an eligible employee, eligible dependents, and the explanation of those who are not eligible for coverage.

No duplicate coverage

If both you and your spouse or domestic partner are employed by Microsoft and are eligible for benefit coverage, you're only allowed to be covered under one plan. You can either enroll as a dependent under your spouse or eligible domestic partner's plan or enroll in your own separate coverage, but not both. Your eligible children must be enrolled under only one employee's coverage.

Note: If you have other coverage, learn how Coordination of Benefits (COB) applies to you and your enrolled dependents.

Get started

You can only enroll in or make changes to your medical insurance election as a new hire, during the annual open enrollment period, or if you have a qualifying status change (like a marriage, divorce, or the birth of a child). To learn more, go to Qualified Status Change. To enroll or update your benefits with an eligible status change, go to Enroll/Change Benefits.

Filling prescriptions

You can fill a prescription at any retail pharmacy in the Premera (Express Scripts) network, including the Living Well Health Center Pharmacy which is located on the Redmond campus at Building 21. If you take medications on an ongoing basis, you can also use the mail-order option that delivers medications to your home.

You'll pay the full cost for your prescription medications until you meet your annual deductible, then will pay 10% of the cost, up to your coinsurance maximum. Preventive drugs are fully covered at 100% and not subject to the deductible or coinsurance. Prescription drugs may be subject to quantity limits and/or prior authorization. Check out the Health Savings Plan Preventive Drug List and the Health Savings Plan Prescription Formulary or call Premera Customer Service at 800-676-1411 (TTY 711) for details.

Online care

The Health Savings Plan makes it easy to get the care you need when you need it. For urgent needs that aren't life-threatening, you can talk with a licensed nurse anytime, night or day, by calling 1 (800) 676-1411.

Another option is a virtual visit with Teladoc Health. Teladoc Health doctors are board-certified physicians who can diagnose and treat your health issues, and send prescriptions to the pharmacy of your choice, without you or your family members leaving your home. You can reach Teladoc Health anytime by calling 1 (855) 398-6268.

Here's a quick breakdown

Aside from preventive care (which is covered at 100%), the Health Savings Plan has an annual deductible you must meet before the plan begins to pay benefits. Once you meet your deductible, you pay a percentage of the costs (called coinsurance), until you hit a certain limit for the year (the out-of-pocket maximum).

What you pay

	Deductible	Coinsurance	Out-of-pocket maximum
	You pay 100% of your eligible expenses for medical care and prescriptions until you spend up to the amount of the deductible. Only the allowable charge is applied to your deductible if you seek out-of-network care. You pay nothing for in-network preventive care.	If you reach the deductible, then you begin to pay a portion of the cost, called coinsurance, up to the coinsurance maximum. The coinsurance amount you pay depends on where you seek care: > In-network, you pay 10% > Out-of-network, you generally pay 30% of the allowable charge plus the difference between the provider's bill and the allowable charge. Only the allowable charge is applied to your coinsurance maximum.	If you meet your deductible and then you reach your coinsurance maximum, you have reached your out-of-pocket maximum. From that point forward, the plan pays 100% of eligible expenses and you pay nothing for in-network health care services for the rest of the year. You will still be responsible for the difference between the provider’s bill and the allowable charge if you seek out-of-network care.
Employee only	$1,750	$1,000	$2,750
Employee + 1	$3,500	$2,000	$5,500
Employee + 2 or more	$4,375	$2,500	$6,875

There is no lifetime maximum in the Health Savings Plan. However, annual, lifetime, and other benefit maximums apply to certain benefits. Check out the Summary Plan Description for all the details.

The Health Savings Plan provides comprehensive medical coverage. Here’s a snapshot of the most commonly used benefits but be sure to reference the Summary Plan Description for full details.

Reminder! The annual deductible applies to all services that are not covered at 100%.

Benefit	In-network coverage	Out-of-network coverage
Ambulance (ground or water)	90% after deductible	90% after deductible
Autism/ABA therapy	90% after deductible	90% of allowable charges after deductible
Chiropractic, massage, and acupuncture services (medically necessary) Combined 24 visit limit per person per calendar year	90% after deductible	70% of allowable charges after deductible
Contraception Contraceptive devices and injections administered by a physician; prescription forms of contraception are covered under preventive care	100%	100%
Diabetes health education	100%	100% of allowable charges
Emergency room	90% after deductible	90% of allowable charges after deductible
Hearing exam (routine) and hardware Hardware: 90% after deductible $10,000 hardware limit per enrollee for three consecutive calendar years	Exams: 90% after deductible	Exams: 70% of allowable charges after deductible
Home health care	90% after deductible	70% of allowable charges after deductible
Hospital inpatient and outpatient	90% after deductible	70% of allowable charges after deductible
Infertility (fertility and family building)	90% after deductible for services within Progyny provider network, subject to certain limits	Not applicable
Lab tests and X-rays	90% after deductible	90% of allowable charges after deductible
Maternity care	90% after deductible	70% of allowable charges after deductible
Maternity support	Free virtual care and on-demand support through Maven Clinic	Not applicable
Medical equipment and supplies	90% after deductible	90% of allowable charges after deductible
Mental health, ADHD, substance abuse, chemical dependency, and alcoholism treatment - inpatient/outpatient	90% after deductible	90% of allowable charges after deductible
Mental health outpatient services through Spring Health (MS CARES employee assistance program)	100% Up to 24 sessions per calendar year
Office visits (primary and specialist)	90% after deductible	70% of allowable charges after deductible
Prescription drugs (See the HSP drug formulary)	90% after deductible	90% after deductible (Home delivery and specialty medications are not covered)
Preventive care	Preventive services: 100% Preventive prescription drugs: 100%	Preventive services: 100% of allowable charges Preventive prescription drugs: 100%
Surgical weight loss treatment (prior authorization required)	90% after deductible	70% of allowable charges after deductible
Urgent care	90% after deductible	70% of allowable charges after deductible

Quick tip! You can pay for out-of-pocket medical expenses using your Health Savings Account (HSA).

For a detailed list of what's covered, as well as exclusions and limitations, refer to the Summary Plan Description.

If you want to:	Go here:
Find Health Savings Plan (Premera) providers	Find Providers
Compare Premera network providers based on rating	Embold Health Provider Guide
Find out the cost of prescription medication	My Rx Choices
Ask questions about the Health Savings Plan (Premera)	microsoft@premera.com (800) 676-1411 Group number: 1000010

Order a replacement or additional Premera Blue Cross health plan ID card(s) or print a temporary coverage letter	Premera ID card
Submit medical claims for out of network providers	Premera Blue Cross P.O. Box 91059 Seattle, WA 91059 Group number: 1000010 www.premera.com