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Blue Options HSA® is the newest Blue Cross and Blue Shield of North Carolina® health care innovation. It combines a high deductible health plan with an HSA. HSAs are savings account for medical expenses that allows you to pay for current and future medical costs tax free. High-deductible health plans have lower premiums than standard plans, making your health coverage even more affordable. Together, a high deductible health plan and an HSA create an opportunity for real savings.
Blue Options HSA Brochure
Health Plan
- Comprehensive benefits - Health coverage from the number one health care brand in the country2
- Choice of deductibles - Starting at $1,100 for individuals
- Lower monthly premiums - Save up to 30 percent off a traditional plan1
- Security - The out-of-pocket maximum limits your financial exposure and protects you from high medical costs
- Preventive care coverage - A variety of services are covered at 100% before you reach your deductible
- Prescription drug coverage - No separate deductible for prescription drugs
- Largest provider network - Access to the largest provider network in the state1
- In- and out-of-network coverage - And access to specialists with no referral3
- Discounted provider rates - Access BCBSNC negotiated rates at network providers
- Coverage when you travel - Nationwide and in more that 200 countries and territories4
- Tools to manage your health care - Our Decision Support Tools can help you make the most of your health care dollars
- BCBSNC as your health care partner - Including access to Member Health PartnershipsSM and Blue ExtrasSM discount programs5
HSA
- Mellon HSA SolutionSM2 - A health savings account administered by Mellon Financial Corporation, a company with proven experience administering HSAs6
- Save now - Funds can be used to pay current out-of-pocket medical expenses tax-free
- Save for later - After you turn 65, funds can be used to pay for costs not covered by Medicare
- Triple tax savings - Deposits, withdrawals for qualified medical expenses and interest earned as your account balance grows are all tax free
- Balance rolls over - Unused funds roll over from year-to year no "use it or lose it" policy
- Fully portable - If you switch plans, your HSA is yours to keep
- Investment options - When your Mellon HSA reaches a certain amount, you can choose to invest in Dreyfus mutual funds7
- Easy account management - Use My HSA Account to manage your HSA and health plan online
- HSA Contribution Calculator - Our calculator can help you determine how much to deposit each year8
- HSA debit card - Your HSA MasterCard debit card or HSA checkbook makes using HSA funds easy
Blue Options HSA®
- A new health care solution - An innovative approach to health care from a company you trust
- Easy online application process - A single online application for both your health plan and your HSA
- Automatic enrollment in your HSA - Sign a simple activation card and begin making contributions
- Free HSA account administration - Your HSA is a free feature of your health plan
- Combined online account management - Blue Cross and Blue Shield of North Carolina® brings your HSA and fund account information together in a single online resource, so you can manage your health plan and your HSA in one place
®,SM Marks of the Blue Cross and Blue Shield Association®. SM1 Marks of Blue Cross and Blue Shield of North Carolina®. SM2 Mark of ACS Human Resources and Investor Solutions, Inc.
1 BCBSNC Internal Data, 2005.
2 Brand Strength Measure Survey, 2003, Synovate, Inc.
3 Referrals may be needed for mental health and substance abuse services.
4 Blue Cross and Blue Shield Association Internal Data, 2004. 5 BCBSNC reserves the right to discontinue or change Blue Extras or Member Health Partnerships programs at any time. These and are not a covered benefit under your health plan. BCBSNC provides these programs for your convenience and is not liable in any way for the goods or services received. Decisions regarding your care should be made with the advice of your doctor.
6 The health savings account is provided to you directly by Mellon Trust of New England, N.A. and is unaffiliated with BCBSNC. The HSA is not part of the health benefit plan administered by BCBSNC. BCBSNC is not responsible or liable for administration of your fund. Detailed information regarding your HSA will be provided by Mellon.
7 Prospectuses for the investments offered as part of the Mellon HSA Solution are available at www.dreyfus.com. Investors should consider the investment objectives, risks, charges and expenses of any Dreyfus fund carefully before investing.
8 The calculator is meant to be a reference tool only. The HSA calculator is not intended to provide legal or tax advice. You should consult your legal or tax advisor for guidance in determining the amount that can be contributed to your HSA each calendar year.
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