Options Blue

Consumer-directed health plan for groups of 2 – 50 employees

Options Blue 80 compatible with HSAs	Your employee’s unspent dollars in the account carry over to the next year. Plans #170, 172, 174, & 175
Options Blue 80 compatible with HRAs	Unspent HRA funds may carry over. Plans #161 & 165
Options Blue 100 compatible with HSAs	Your employee’s unspent dollars in the account carry over to the next year. Plans #176, 178, 180, 181, 182, & 183
Options Blue 100 compatible with HRAs	Unspent HRA funds may carry over. Plans #167 & 169

You need to control costs. And you want to build a loyal and productive workforce. Options Blue is an innovative health plan model that’s changing the way small businesses deliver health benefits. Consumer-directed health plans encourage employees to be more engaged in their health care and costs, without compromising satisfaction.

A fresh approach The idea behind consumer-directed health plans It’s a simple concept. Cover your employees with a high-deductible health plan, so you have the potential for premium savings. Then allow employees to set aside pre-tax dollars in a health savings account (HSA) to help cover their share of a broad range of medical expenses. Employers can also contribute to HSAs. Finally, give employees useful information and support tools to help them be healthy. Unmatched support for your health • Health Guides and Nurse Guides with one call to customer service • Dedicated Nurse Support for an extended illness or accident • Healthy Start® Prenatal Support for when you’re expecting • 24-Hour Nurse Advice Line for health concerns anytime • Fitness Program that encourages members to exercise regularly • Online Wellness Center • Health Assessment • Online Coaching Modules • Stop-Smoking Support • Employee Assistance Program

How does it work? Employees are reimbursed for qualified expenses up to the amount of their HRA. Employees may be reimbursed for qualified expenses up to the amount of their HSA. When those funds are used up, employees cover the remainder of the deductible with their own money. When the deductible is met, the health plan begins to pay. HRA plans now include upfront prescription drug benefits not subject to the plan’s deductible.