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Blue Options HSASM - Lower premiums, tax-savings options

Blue Options HSASM provides lower premiums and savings as much as 35% off Blue Advantage, giving you the ability to take control of your health care costs.1 Blue Options HSASM 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 HSASM, 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; 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 HSASM, you must be a resident of North Carolina, between the ages of 18-65 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.

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1 Blue Cross and Blue Shield of North Carolina Internal Data, 2008: Based on copayment plans that include a $2,000 coinsurance maximum and a $10/$25/$40 copayment structure for prescription drugs. Based on data for Blue Options Underwritten Groups as of 10/1/2006 with 5 to 20 subscribers. Pricing is for a single male, age 40-44, residing in Durham.
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.

Online rate quote for Blue Cross and Blue Shield of North Carolina® (NC) Individual health insurance rates. The BCBSNC® Blue Advantage®© Individual Health Plans rate quotes.

1 2007 BCBSNC® Internal Enrollment Figures as of October 1, 2006 - September 30, 2007.

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