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Healthy Blue PPO HRASM

How can the PPO HRA help my organization?

Health reimbursement arrangements represent a powerful choice for employers. Combining a Blues PPO plan with an HRA enables you to set aside funds for your employees' health care expenses. The Blues provide a powerful array of plans with world-class support that give your employees the funding options they seek. HRAs are tax-deductible for you, and tax-exempt for your employees.


IRS publication 502 specifies qualified health care expenses. You can further specify which medical expenses are covered by the HRA.


The popularity of HRAs continues to grow

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


In addition, an HRA encourages individuals to manage health care dollars. People treat HRA dollars as "their money," and tend to spend it more wisely. Plus, the Blues provide useful tools to help them.


How does Healthy Blue PPO HRA work?

You choose a Blues PPO plan and the HRA funding option, and the Blues provide a wide array of tools to help your employees manage their health and health care dollars. Plans include:


  • Community BlueSM PPO + HRA
  • Flexible BlueSM PPO + HRA

The Blues provide a fully integrated model where enrollment, billing and financial data are shared electronically. This offers you a wide range of capabilities, including:


  • Online expense manager
  • Online receipt manager
  • Auto reimbursement
  • Direct deposit or checks for claims payment
  • Up to four free HRA debit cards
  • Consolidated enrollment process
  • Streamlined account access to HRAs through bcbsm.com
  • Integrated customer service and reporting