Blue Options HSA(SM)
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Blue Options HSA(SM) provides lower premiums and savings as much as 50% off Blue Advantage®, giving you the ability to take control of your health care costs.¹
Blue Options HSA(SM) combines a high-deductible health plan (HDHP) with a health savings account (HSA), which enables you to pay for qualified medical expenses tax-free.²³ 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.
Blue Options HSA(SM) uses Blue Cross and Blue Shield of North Carolina's® most popular health insurance plan design, and pairs it with a Health Savings Account (HSA). A Health Savings Account is a special type of account that you can open at your local bank. .
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Choose Your Own Doctor
With Blue Options HSA(SM), you can choose your own doctor from the largest provider network in the state.
If you would like to see which doctors and hospitals work with the Blue Cross Network, use the Blue Card® Doctor and Hospital Finder.
Preventive Care
Preventive care services are covered at 100%, including routine physical exams and screening tests; well-baby and well-baby care.(4)
You can present your BCBSNC® card to your doctor and you will receive the following preventive services BEFORE you have met your deductible.
Details about HSA Plans
High-deductible health plans have lower premiums than traditional
health plans so you will save money immediately. And with Blue Options HSA(SM), you can make tax-deductible contributions up to the allowed
annual limits permitted by federal guidelines.
For a list of qualified medical expenses, click here.
Each year as your HSA
balance grows, it accrues interest tax-free and any qualified payments
made from it are also tax free. You can put aside funds for long-
term care, future medical expenses, or even retirement. Additionally,
whenever the balance in your account exceeds a specific amount,
you may elect to invest contributions in a selection of mutual
funds, subject to any minimum investment required by such funds.
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Save up to 50% on your premiums, with similar out-of-pocket expense
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Tax-deductible HSA contributions
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Tax-free HSA payments and interest
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Long-term investment options
Health care that travels with you
With the Blue Cross and Blue Shield Association’s BlueCard® network, you’re covered wherever you go in more than 200 countries and territories worldwide. To find a provider near you, just call the BlueCard® PPO number on your BCBSNC® ID card
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Worldwide coverage
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You will receive negotiated discounted rates with the providers to ensure savings
for you. Even if you haven’t met your deductible, you will still save money
just by visiting providers in the large network. With a high-deductible
health plan, the provider discounts matter now more than ever.
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Coverage from the #1 health care brand in America
A health partner
As a Blue Cross and Blue Shield of North Carolina® member, you have access to a variety of resources and programs designed to maximize your health care experience.
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24-hour health information resource
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Blue Extras(SM) value-added discount programs
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Programs for asthma, diabetes, pregnancy and many chronic conditions
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BCBSNC.com(SM) – manage your health care online
1 Blue Cross and Blue Shield of North Carolina Internal Data, 2008: Based on copayment plans that include a $2,000 coinsurance maximum and a $10/$25/$40 copayment structure for prescription drugs. Based on data for Blue Options Underwritten Groups as of 10/1/2006 with 5 to 20 subscribers. Pricing is for a single male, age 40-44, residing in Durham.
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.
®, SM Marks of the Blue Cross and Blue Shield Association. SM1 Marks of Blue Cross and Blue Shield of North Carolina.
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