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Health Savings Account North Carolina Quote
Blue Options HSA North Carolina
Our high-deductible health plan with a tax-advantaged savings account for qualified medical expenses.
Blue Options HSA provides lower premiums and savings as much as 34% off Blue Advantage, giving you the ability to take control of your health care costs.1 Blue Options HSA 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 the Blue Options HSA, you can begin using your HSA funds even before you meet your specified deductible! Until you reach your deductible, you will be responsible for the total cost of any health care that you receive. However, you will still receive the Blue Cross negotiated discount rate when you visit a participating provider. You can choose to use your HSA debit card or checkbook to pay for the services directly, or, you may choose to reserve your HSA money for future medical expenses. You can also choose to use your HSA fund to pay for qualified medical expenses that are not covered by the health plan, such as over-the-counter medications and LASIK eye surgery, among others.
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 HSA, you must be a North Carolina resident, under age 65, medically eligible, 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.5
Health Savings Account North Carolina
(1)Blue Cross and Blue Shield of North Carolina Internal Data, 2009: Based on Blue Advantage $2,500 deductible with 80% coinsurance and Blue Options HSA $2,000 deductible with 80% coinsurance. Pricing is for a single male, age 40-44, residing in Wake County.
(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.
(5)Maternity coverage is offered through Blue Advantage at an additional rate.
Blue Cross and Blue Shield of North Carolina is an independent licensee of the Blue Cross and Blue Shield Association. SM Mark of the Blue Cross and Blue Shield Association. SM1 Marks of Blue Cross and Blue Shield of North Carolina.