Talk:High deductible health plan

From Bogleheads

Could someone add a better definition of what an HDHP is, besides the deductible limits? I did not know that an HDHP requires prescription drug costs count towards the deductible. Is there anything else?

The description of How the plan works is unclear, as the 2nd paragraphs says prescription drug costs are optional (normal plan). Then, nothing is mentioned in the HDHP definition (3rd paragraph). The examples hinted that this is indeed the case. My employer's plan met the deductible limits but prescription drug costs were not covered under the deductible. My employer never said it was an HDHP, so it was very confusing to me. I don't have the background to update this page - I'll leave it for the experts. --LadyGeek 21:48, 13 November 2009 (UTC)

I have an HDHP so I'm aware of these details. I'll take a stab at it sometime this weekend. Mikep 21:55, 13 November 2009 (UTC)

I have updated. Please review and comment. Thx, Mikep 02:32, 14 November 2009 (UTC)

It makes total sense to me now. The definitions of what constitutes a HDHP as well as when and how you should use it are very good. I can't verify if the numbers or legal aspects are correct (not my background), but it's like a totally new article. Very helpful. Thanks! --LadyGeek 01:19, 19 November 2009 (UTC)

The numbers are from the main HDHP wikipedia page in links section and likely IRS notices. Should we add a reference? Mikep 21:36, 19 November 2009 (UTC)

In general, its always best to stick in a reference. It is rather simple to do. Simply use <ref> [the link_ title of link] </ref> as the syntax. The note will automatically be processed in the References section of the page. --Blbarnitz 22:09, 19 November 2009 (UTC)

I guess it depends on the topic. I like to quote my sources - it allows others to easily verify the information. I'd put references in as footnotes (<ref></ref>). You don't want to over do it, but there should be enough info that the reader knows where you got the info. I may have gone overboard with the Employer Retirement Plans Overview (if needed, use this page as an example for adding the reference "Notes"). Up to you. --LadyGeek 22:26, 19 November 2009 (UTC)