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Healthy Blue HMO HRASM

What advantages does this provide to my company?

Already using or considering a Blue Care Network HMO plan? Combining a Blue Care Network plan with a health reimbursement arrangement enables you to set aside funds for employee deductibles and copayments. An array of options with world-class support provides your company the funding options it seeks. HRAs are tax deductible for you, and tax-exempt for the employee. Your company controls the funds in the HRA.


Why are HRAs popular with groups?

Because HRAs provide two powerful advantages – flexibility and savings. HRA regulations provide the flexibility to tailor an HRA to your budget while meeting employee needs. Employers using consumer-directed health care plans save as much as $1,500 per year, per member, over employers who do not.


In addition, an HRA encourages members to manage their health care dollars. People treat HRA dollars as "their money," and tend to spend them more wisely. Plus, BCN provides useful tools to assist them.


How does Healthy Blue HMO HRA work?

The HMO is paired with a Healthy Blue HRA. Your company establishes the dollar amount and limits for the HRA, what it will pay for and in what order. Choices are:


  • HRA pays first: The HRA will pay the deductible up to its allocated limit, at which point the employee is responsible.
  • Employee pays first: The employee pays up to the required amount, then the HRA pays.
  • HRA and employee split payment: You choose what percentage the employee and the HRA pay. Each pays a percentage, with the HRA paying up to the allocation limit.
  • Employee pays first, then split: You choose a percentage payable up front by the employee; the HRA then pays up to the allocation limit.

Additional support

Employees can take charge of their personal health care needs with BlueHealthConnection®, a program designed to provide health and wellness information, assistance and resources.


Blue Care Network offers online resources and tools at MiBCN.com. Members can:


  • Select a physician
  • View claim details and summaries
  • View certificates of coverage and riders
  • View and print Explanation of Benefit Payments statements
  • Research treatment options, care costs, doctors and hospitals
  • Educate themselves about health risks