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IRS expands preventive care for HSA participants

The Internal Revenue Service has added care of chronic conditions to the list of preventive care benefits that may be provided by a high deductible health plan (HDHP) before the deductible is met.

 IRS expands preventive care

Better care per Executive Order

This change comes in direct response to President Trump’s Executive Order 13877, “Improving Price and Quality Transparency in American Healthcare to Put Patients First,” issued in June 2019.

Specifically, Notice 2019-45 addresses this section of the Executive Order:

Sec. 6.  Empowering Patients by Enhancing Control Over Their Healthcare Resources.  (a)  Within 120 days of the date of this order, the Secretary of the Treasury, to the extent consistent with law, shall issue guidance to expand the ability of patients to select high-deductible health plans that can be used alongside a health savings account, and that cover low-cost preventive care, before the deductible, for medical care that helps maintain health status for individuals with chronic conditions.

Added value for HSA participants

This expansion of HDHP coverage brings added value for individuals (and their dependents) who must enroll in these plans in order to be eligible for a Health Savings Account (HSA).

Previously, these expenses fell under the HDHP deductible and had to be paid from personal resources. Now, the treatments listed fall under preventive care, which is covered before the plan deductible is met.

Here is the list of newly covered care and conditions. (Note that this is in addition to and has no effect on existing covered preventive care.) 

Preventive Care for Specified Conditions For Individuals Diagnosed with
Angiotensin Converting Enzyme (ACE) inhibitors Congestive heart failure, diabetes, and/or coronary artery disease
Anti-resorptive therapy Osteoporosis and/or osteopenia
Beta-blockers Congestive heart failure and/or coronary artery disease
Blood pressure monitor Hypertension
Inhaled corticosteroids Asthma
Insulin and other glucose lowering agents Diabetes
Retinopathy screening Diabetes
Peak flow meter Asthma
Glucometer Diabetes
Hemoglobin A1c testing Diabetes
International Normalized Ratio (INR) testing Liver disease and/or bleeding disorders
Low-density Lipoprotein (LDL) testing Heart disease
Selective Serotonin Reuptake Inhibitors (SSRIs) Depression
Statins Heart disease and/or diabetes

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