Health Saving Accounts - Health Savings Accounts Doctors

Now, let's look at the networks...

Network refers to the doctors, hospitals, and medical facilities that participate in an insurance plan.

Unicare uses a PPO (Preferred Provider Organization) network. This that you get the best rates (30-60% discount) when you use doctors in the network. You can use providers outside the network but your out-of-pocket expenses will be much higher. To get a really good explanation of the differences between HMO, PPO and EPO...go here

As mentioned before, an important aspect of the HSA is that you can write off qualified medical and dental expenses as well as long term care premium expenses. Let's take a look at what qualifies here.

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