Small Business Employer Group HSA Health Insurance Plans

A Health Savings Account (HSA) is a tax-exempt account established specifically for the purpose of paying for qualified medical expenses.

Rocky Mountain Good Health Savings Plans feature either an HMO or PPO plan design, and are IRS-qualified, High Deductible Health Plans (HDHPs).

The HDHP option allows your employees to set up and contribute to a tax-advantaged HSA to help pay for qualified medical expenses. Benefits of a Colorado HSA small business group health plan include:

  • Contributions are tax deductible
  • Interest earned on an HSA account is tax free
  • Money withdrawn from the HSA for qualified medical expenses is tax free
  • Information on Health Savings Accounts

Plan Comparison
To view our new Rocky Mountain Summit HSA-eligible plans, select the 2016 tab on our Plan Comparison Grids or view our Employer health plans brochure.

Embedded pediatric dental coverage, with an expanded network is provided by Delta Dental and included in all RMHP small business group plans.  For details on this coverage, please click here.

MyDigitalMD: RMHP offers an alternative to the high costs and long waits found in Emergency Rooms and Urgent Care Centers.  Members have no-cost access through their computer or smart phone to Colorado-based Board Certified Emergency Medicine doctors through the RMHP Member Portal.

Learn more about MyDigitalMD

Nurse Care 24/7 symptom support benefit is included in all small business health plans.  Nurse Care provides comprehensive clinical information and decision support for any health and/or wellness related inquiry.

Learn more about Nurse Care Services.


2015 Rocky Mountain Summit HMO HSA Plan

Plan Name

Deductible Individual / Family

Office Visits

Inpatient Hospital Stay (after deductible)

Out of Pocket Maximum Individual / Family

 Prescription Drug Coverage

Summit HMO Gold HSA 2000/100

View SBC


View Benefit Summary

$2,000/ $4,000
100% covered after deductible
100% covered after deductible
$2,000/ $4,000
After Medical Deductible:
Tier 1: 0%
Tier 2: 0%
Tier 3: 0%
Tier 4: 0%
Tier 5: 0%

Drug Price Check
Summit HMO Silver HSA 3000/100

View SBC


View Benefit Summary
 $3,000/ $6,000
100% covered after deductible
100% covered after deductible
$3,000/ $6,000
After Medical Deductible:

Tier 1: 0%
Tier 2: 0%
Tier 3: 0%
Tier 4: 0%
Tier 5: 0%

Drug Price Check

Summit HMO Bronze HSA 3250/70

View SBC

View Benefit Summary
$3,250/ $6,500 $45/$65 
after deductible

30% after deductible

$6,350/ $12,700 After Medical Deductible:

Tier 1: $15
Tier 2: $40
Tier 3: $55
Tier 4: 30%
Tier 5: 40%

Drug Price Check
Summit HMO Bronze HSA 5250/100

View SBC

View Benefit Summary

 $5,250/ $10,500
100% covered after deductible
100% covered after deductible $5,250/ $10,500 After Medical Deductible:

Tier 1: 0%
Tier 2: 0%
Tier 3: 0%
Tier 4: 0%
Tier 5: 0%

Drug Price Check
Summit HMO Bronze HSA 6000/100

View SBC


View Benefit Summary
$6,000/ $12,000 100% covered after deductible
100% covered after deductible  $6,000/ $12,000
After Medical Deductible:

Tier 1: 0%
Tier 2: 0%
Tier 3: 0%
Tier 4: 0%
Tier 5: 0% 

Drug Price Check

Rocky Mountain Summit - HMO HSA Group Plans

Plan Name

Deductible Individual / Family

Office Visits

Inpatient Hospital Stay (after deductible)

Out of Pocket Maximum Individual / Family

Prescription Drug Coverage 
  In Network In Network In Network In Network  In Network
Summit HMO Gold HSA 2000/100
SBC/Summary of Benefits

View EOC.
$2,000/$4,000 100% covered after deductible 100% covered after deductible $2,000/$4,000 After Medical Deductible:
Tier 1: 0%
Tier 2: 0%
Tier 3: 0%
Tier 4: 0%
Tier 5: 0%
Summit HMO Silver HSA 3500/100
SBC/Summary of Benefits

View EOC
$3,500/$7,000 100% covered after deductible 100% covered after deductible $3,500/$7,000 After Medical Deductible:
Tier 1: 0%
Tier 2: 0%
Tier 3: 0%
Tier 4: 0%
Tier 5: 0%
Summit HMO Bronze HSA 4500/50
SBC/Summary of Benefits

View EOC
$4,500/$9,000 50% after deductible 50% coinsurance $6,500/$13,000 After Medical Deductible:
Tier 1: $20
Tier 2: $60
Tier 3: 30%
Tier 4: 40%
Tier 5: 50%

Drug Price Check
Summit HMO Bronze HSA 5050/100
SBC/Summary of Benefits

View EOC
$5,050/$10,100 100% covered after deductible 100% covered after deductible $6,550/$13,100 After Medical Deductible:
Tier 1:$25
Tier 2:$70
Tier 3: $300
Tier 4: $450
Tier 5:$540

Drug Price Check
Summit HMO Bronze HSA 5950/100
SBC/Summary of Benefits

View EOC
$5,950/$11,900 100% covered after deductible 100% covered after deductible $5,950/$11,900 After Medical Deductible:
Tier 1: 0%
Tier 2: 0%
Tier 3: 0%
Tier 4: 0%
Tier 5: 0%
Summit HMO Bronze HSA 6500/100
SBC/Summary of Benefits

View EOC
$6,500/$13,000 100% covered after deductible 100% covered after deductible $6,500/$13,000 After Medical Deductible:
Tier 1: 0%
Tier 2: 0%
Tier 3: 0%
Tier 4: 0%
Tier 5: 0%
View a Printable Comparison of the 2016 Plans

2015 Rocky Mountain Summit PPO HSA Plan

Plan Name

Deductible Individual / Family

Office Visits

Inpatient Hospital Stay (after deductible)

Out of Pocket Maximum Individual / Family

Prescription Drug Coverage 
Summit PPO Gold HSA 2000/100

View SBC

View Benefit Summary
 
In Network
$2,000/ $4,000

Out of Network
$4,000/ $8,000
In Network 100% covered after deductible

Out of Network

50% after deductible 
 In Network
100% covered after deductible

Out of Network

50% coinsurance
In Network
$2,000/ $4,000

Out of Network
$8,000/ $16,000
 
In Network
After Medical Deductible:

Tier 1: 0%
Tier 2: 0%
Tier 3: 0%
Tier 4: 0%
Tier 5: 0%

Out of Network
Not covered
Summit PPO Silver HSA 3000/100

View SBC

View Benefit Summary

In Network
$3,000/ $6,000

Out of Network
$6,000/ $12,000
In Network 100% covered after deductible

Out of Network

50% after deductible 
In Network
100% covered after deductible

Out of Network

50% coinsurance 
In Network
$3,000/ $6,000

Out of Network
$12,000/ $24,000  
In Network
After Medical Deductible:

Tier 1: 0%
Tier 2: 0%
Tier 3: 0%
Tier 4: 0%
Tier 5: 0%

Out of Network
Not covered  

Summit PPO Bronze HSA 3250/70

View SBC

View Benefit Summary

In Network
$3,250/ $6,500

Out of Network
$6,500/ $13,000
In Network $45/$65 
after deductible

Out of Network

50% after deductible
In Network
30% co-
insurance

Out of Network
50% after deductible

In Network
$6,350/ $12,700

Out of Network
$12,700/ $25,400
In Network
After Medical Deductible:

Tier 1: $15
Tier 2: $40
Tier 3: $55
Tier 4: 30%
Tier 5: 40%

Drug Price Check

Out of Network
Not covered

Summit PPO Bronze HSA 5250/100

View SBC

View Benefit Summary




In Network
$5,250/ $10,500

Out of Network
$10,500/ $21,000 
In Network 100% covered after deductible

Out of Network

50% after deductible 
In Network
100% covered after deductible

Out of Network

50% coinsurance
 
In Network
$5,250/ $10,500

Out of Network
$15,000/ $30,000  
In Network
After Medical Deductible:

Tier 1: 0%
Tier 2: 0%
Tier 3: 0%
Tier 4: 0%
Tier 5: 0%

Out of Network
Not covered  
Summit PPO Bronze HSA 6000/100

View SBC

View Benefit Summary
In Network
$6,000/ $12,000

Out of Network
$12,000/ $24,000
 
In Network 100% covered after deductible

Out of Network

50% after deductible 
In Network
100% covered after deductible

Out of Network

50% coinsurance  
In Network
$6,000/ $12,000

Out of Network
$15,000/ $30,000  
In Network
After Medical Deductible:

Tier 1: 0%
Tier 2: 0%
Tier 3: 0%
Tier 4: 0%
Tier 5: 0%

Out of Network
Not covered  

Rocky Mountain Summit - PPO HSA Group Plans

Plan Name

Deductible Individual / Family

Office Visits

Inpatient Hospital Stay (after deductible)

Out of Pocket Maximum Individual / Family

Prescription Drug Coverage 
  In Network Out of Network In Network Out of Network In Network Out of Network In Network Out of Network  In Network
Out of Network
Summit PPO Gold HSA 2000/100
SBC/Summary of Benefits

View EOC
$2,000/
$4,000
$4,000/
$8,000
100% covered after deductible 50% after deductible 100% covered after deductible 50% coinsurance $2,000/
$4,000
$8,000/
$16,000
After Medical Deductible:
Tier 1: 0%
Tier 2: 0%
Tier 3: 0%
Tier 4: 0%
Tier 5: 0%

Not covered
Summit PPO Silver HSA 3500/100
SBC/Summary of Benefits

View EOC
$3,500/
$7,000
$7,000/
$14,000
100% covered after deductible 50% after deductible 100% covered after deductible 50% coinsurance $3,500/
$7,000
$14,000/
$28,000
After Medical Deductible:
Tier 1: 0%
Tier 2: 0%
Tier 3: 0%
Tier 4: 0%
Tier 5: 0%

Not covered
Summit PPO Bronze HSA 4500/50
SBC/Summary of Benefits

View EOC
$4,500/
$9,000
$9,000/
$18,000
50% after deductible 50% after deductible 50% coinsurance 50% coinsurance $6,500/
$13,000
$13,000/
$26,000
After Medical Deductible:
Tier 1: $20
Tier 2: $60
Tier 3: 30%
Tier 4: 40%
Tier 5: 50%

Drug Price Check
Not covered
Summit PPO Bronze HSA 5050/100
SBC/Summary of Benefits

View EOC
$5,050/
$10,100
$10,100/
$20,200
100% covered after deductible 50% after deductible 100% covered after deductible 50% coinsurance $6,550/
$13,100
$13,100/
$26,200
After Medical Deductible:
Tier 1:$25
Tier 2:$70
Tier 3: $300
Tier 4: $450
Tier 5:$540

Drug Price Check
Not covered
Summit PPO Bronze HSA 5950/100
SBC/Summary of Benefits

View EOC
$5,950/
$11,900
$11,900/
$23,800
100% covered after deductible 50% after deductible 100% covered after deductible 50% coinsurance $5,950/
$11,900
$23,800/
$47,600
After Medical Deductible:
Tier 1: 0%
Tier 2: 0%
Tier 3: 0%
Tier 4: 0%
Tier 5: 0%

Not covered
Summit PPO Bronze HSA 6500/100
SBC/Summary of Benefits

View EOC
$6,500/
$13,000
$13,000/
$26,000
100% covered after deductible 50% after deductible 100% covered after deductible 50% coinsurance $6,500/
$13,000
$26,000/
$52,000
After Medical Deductible:
Tier 1: 0%
Tier 2: 0%
Tier 3: 0%
Tier 4: 0%
Tier 5: 0%

Not covered
View a Printable Comparison of the 2016 Plans


For more detailed information about employer group HSA health insurance plans, please contact RMHP or your insurance broker today.