Blue Advantage® Summary
- You pay convenient copayments or coinsurance for things like primary care visits, specialist office visits and prescription drugs.
- Costs as low as $15 for copayments and $10 for generic prescription drugs.
- Offers low-cost premium options to fit most budgets.
- Easy to use with no claims to file in network.
Blue Options HSA (SM) Summary
- Offers lower premiums typical of high-deductible health plans.
- Offers 100% coverage for most preventative care services before your deductible is met.
- Offers coverage for prescription drugs. Discounts available in network.
- HSA contributions are tax deductible.
Our high-deductible health plan
with a tax-advantaged savings account
for qualified medical expenses
Blue Options HSA 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 HSA, 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-of-network 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 Options HSA Brochure
Blue Options HSA Benefit Table
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.
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.