Carve Out – Way to help with Cost Control
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• Carve Out
– Creation of a separate benefit level that is non
discriminatory to the rest of the group
•1 Qualified owners are moved from the group
insurance plan to an individual HSA plan
•2 Qualified owners remain within the group
health plan but have a separate level of
contribution for premium and / or HSA deposit
•3 Qualified owners that are over age 65 can be
enrolled in a Medicare Supplement Plan. The
premium may be funded by the company.
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