Options Blue
Health plan with an account
Options Blue gives you great coverage, freedom of choice and peace of mind as it helps control costs. It offers affordable premiums because it's been designed with higher deductibles. It works with a tax-advantaged health savings account (HSA) that helps you save and pay for your medical expenses. See any doctor you choose. You're covered when you travel, too. And you get a world of tools and support that will help you make smart choices.
Tax-advantaged account helps you save
Open a health savings account (HSA) to help pay your eligible medical expenses. The account has tax advantages and can also serve as an investment tool. Any unused funds will "roll over" and be added to your next year's contributions.
Benefit highlights
* Preventive care coverage so you can stay healthy
* Office visits for illness or injury, lab work and x-rays, surgery, hospital stays and prescription drugs are covered at either 80 or 100 percent in network (after deductible)
* $5 million lifetime maximum
* Worldwide coverage with the BlueCard network
* Optional dental plan at special rates
Rates
Choose from six deductible options for individual or family coverage, a higher deductible means a lower premium rate, but more out-of-pocket costs before coverage starts. Rates vary whether you've used tobacco in the past 24 months and whether you include chemical dependency coverage. An agent can help you choose the plan that's right for you.
How it works
Paying for your care: A health savings account
Preventive services are generally covered by the health plan prior to reaching your deductible. For other expenses, including prescriptions, you're responsible for your health care costs (you pay your provider) until you reach your deductible. You establish a tax-advantaged health savings account (HSA) to help you pay for expenses while you're responsible. When you reach your deductible, the health plan begins to pay. Certain plans will have you pay a small percentage of each charge ("coinsurance") until you reach a maximum. You won't pay more than that out of pocket maximum once you reach it, your plan pays 100 percent of your eligible charges for the rest of the year.
Save and invest
Any unused money in your account will “roll over” and you can add to it the next year. Amounts over $1,000 can even be invested. When you reach your deductible, the health plan begins to pay.
see how the health plan and account work together
see how a claim is paid (PDF)
It's easy to manage your account
You’ll have access to myBlueCross, our online member service center that gives you tools to help you manage your plan and your account. Customer service representatives are ready to answer questions, too.
Online resources help you make smart choices
A wealth of online tools helps you be your healthiest and make decisions about your care, including:
* Doctor and hospital profiles and quality ratings
* Cost-of-care information
* Drug cost calculator, including brand-name and generic comparisons
* Anytime access to account and claims information and explanations of benefits
* E-mail access to customer service
* Medical decision-making and personal health support
Back to resources.