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Consumer – Directed Health Care

Healthy Blue ChoicesSM Plans with Savings Accounts

Fast-forward your company to the next generation of health care with a health plan that delivers a total health coverage solution by integrating:

  • Innovative plan design – brings together quality benefit plans and health care savings accounts
  • Enhanced care delivery – wellness and care management programs
  • Dedicated health support – provider-facing Value Partnerships, cost and quality incentive programs

Engage your employees with a health plan that encourages them to take control of their own health care. They determine when and how to use their health care dollars, which motivates them to become more informed health care consumers. That's why it's called consumer-directed health care.

We have a plan that's right for you

We offer a variety of plan options allowing you to choose the plan that best meets your business needs. Combining a qualifying Blues health plan with a health care savings account gives you lower premiums and allows your employees to take ownership of their health care.

    

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Here's how it works:

  1. Health care savings account
    A health care savings account, or funding option, is paired with a qualifying Blues health plan. (See health plan options below.) Your employees use money in the accounts to pay for qualified medical expenses. The following savings account options are available:

  2. Health Plan
    A Blues health plan offers comprehensive benefits and access to an extensive network of doctors and hospitals. Savings accounts must be offered with a qualifying health plan. The chart below shows which Blues health plans you can pair with each savings account option.


    3. Savings account Required health plan
    Healthy Blue HSASM
    Health savings account    		 Flexible BlueSM* or Simply BlueSM HSA
    Healthy Blue HRASM
    Health reimbursement
    arrangement    		 Flexible Blue* or Community BlueSM or
    Blue Care Network HMO     or Simply BlueSM HRA
    Healthy Blue FSASM
    Flexible spending account    		 Flexible Blue* or Community Blue or
    Simply BlueSM     or Simply Blue HRA


  3. Wellness and online resources
    Our online support tools focus on total health through care management, health education, and support and wellness resources.

  4. Discounts
    Your employees can receive discounts from recognized companies on health and wellness, family care and travel services.