Blue Options HSA is a new way to pay for health care. This plan pairs a high deductible PPO heath plan with a health savings account (HSA). The high deductible health plan allows you to pay lower premiums than a traditional plan while still enjoying the security of protection against high medical bills. The HSA allows you to access significant tax savings and can be used to pay for current and future medical expenses tax-free. When your balance reaches a certain amount, you can also choose to invest in a selection of mutual funds.
- Lower premiums
- Tax savings now and in the future
- The option to invest in mutual funds
Blue Options HSA is built around BCBSNC’s most popular plan, the PPO. And with Blue Options HSA, you have access to the largest provider network in the state and the freedom to go outside that network. You also have access to specialists without referral, coverage when you travel and BCBSNC as your health care partner.
At a nonparticipating provider, your out–of–pocket cost may be higher and, if your benefits have started, you may have to file a claim. When you visit a network provider after your benefits become active, you will not have to file a claim.
- In and out–of–network coverage
- Access to the largest provider network in the state
- The freedom to see specialists without referral
- Coverage across the nation and worldwide
- BCBSNC as your health care partner
Enhanced preventive care benefits
Preventive care is vital to your health and safety. That’s why we’ve made sure you’re covered for a variety of preventive care services, even before your deductible is met. Just visit your provider like you normally would and show your BCBSNC ID card. You’re covered at 100% when you receive the following preventive care services in an in-network office setting:
- Immunizations and well-baby and well-child care (excluding diagnostic tests and screenings)
- The first office visit (excluding diagnostic tests and screenings) each benefit period for routine physical exams, gynecological exams and the evaluation and treatment of obesity.
- The following first preventive care diagnostic test and screening each benefit period (excluding related office visits except as noted above) for the following:
- Cervical cancer screening
- Ovarian cancer screening
- Screening mammograms
- Colo-rectal screening
- Prostate specific antigen tests
- Newborn vision and hearing screening
- Cholesterol and lipid screening
- Bone mass measurement screening
- Hemoglobin test
Additional covered preventive care services and/or diagnostic tests and screenings, including those not listed above, are subject to deductible and coinsurance.
It is Easy to Switch From Blue Advantage to a HSA
Just call 1-800-639-4325 and one of our licenced agents guide you through the process.
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