Download these PDFs:
Blue Options
HSASM Plans
Blue Advantage/HSA Comparison
Chart
Blue Options
HSASM Rates |
Blue
Options HSASM
Our high-deductible health plan
with a tax-advantaged savings account
for qualified medical expenses
Blue Options HSASM provides lower premiums and savings as much as 34% off Blue
Advantage, giving you the ability to take control of your health care costs.1 Blue
Options
HSA combines a high-deductible health plan (HDHP) with a health savings account
(HSA), which enables you to pay for qualified medical expenses tax-free.2,3 Out-of
pocket
maximums protect you from high-dollar medical costs. And, your HSA is
portable. Any unused balance rolls over at the end of the year.
With Blue Options HSASM, you can choose your own doctor from our largest provider
network in the state. Preventive care services are covered at 100%, including
routine
physical exams and screening tests, and well-baby and well-child care.4 Generic
drugs
coverage is unlimited and brand-name drugs include a $2,000 combined in- and
out-ofnetwork
maximum (per person, per benefit period).
The HSA is automatically included with the health plan if you choose Mellon Trust
as the
fund administrator. Mellon includes a convenient debit card at no charge, and
HSA
contributions and withdrawals are tax-free.2, 3
To be eligible for Blue Options HSA, you must be a North Carolina resident, under
age
65, medically eligible, and not eligible for Medicare. Individual or family plans
are
available. You can also select maternity coverage for an extra charge when you
first
purchase a policy, renew a policy (if the policy has been in effect for at least
six months),
or if you have a family status change, such as marriage.5
Blue Cross and Blue Shield of North Carolina is
an independent licensee of the Blue Cross and Blue Shield
Association. SM Mark of the Blue Cross and Blue Shield Association. SM1 Marks
of Blue Cross and
Blue Shield of North Carolina.
1
Blue Cross and Blue Shield of North Carolina Internal Data, 2009: Based on Blue
Advantage $2,500
deductible with 80% coinsurance and Blue Options HSA $2,000 deductible with 80%
coinsurance. Pricing
is for a single male, age 40-44, residing in Wake County.
2
BCBSNC does not administer your HSA and is not affiliated with your HSA custodian
or administrator.
Your HSA custodian is Mellon Trust of New England, N.A.
3 Withdrawals are tax free only if used for qualified medical expenses. See www.irs.gov
for specific
regulations.
4 Includes in-network annual routine physical exam, well-baby and well-child
care and certain
immunizations and screenings. Other covered services may be subject to deductible
and coinsurance.
Members who receive covered services out-of-network may be required to pay the
difference between the
provider's actual charge and the BCBSNC allowed amount, in addition to the coinsurance
amount.
5 Maternity coverage is offered through Blue Advantage
at an additional rate.
|
|
