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Blue Options Group Fixed Contribution Health Insurance
No two people have the same health care needs. So naturally, one solution isn’t going to satisfy everyone. With Blue Options Fixed Contribution, employees can build a plan that works best with their lifestyle. Not everyone wants comprehensive health care benefits. With Blue Options Fixed Contribution, employees can personalize a plan to meet their unique needs.
Just as employers have the flexibility to pick your contribution level, employees have the freedom to purchase the benefits that are most important to them. To build a health plan, they use eBenefitsNOW SM1, Blue Cross and Blue Shield’s innovative online shopping and enrollment tool, to pick from numerous plan combinations offering a range of out-of-pocket expense levels for office visits, prescription drugs and more. Comparison shopping clarifies the exact cost of coverage choices and the value of contributions.
If they choose, employees can buy benefits beyond what the employer contribution covers. If they have unused money from your contribution, it is placed into a health reimbursement account (HRA). HRA funds can often be rolled over toward next year’s out-of-pocket expenses as well.
Blue Options Fixed Contribution is built around Blue Cross’s most popular plan, the Blue Options SM PPO, which offers the largest network of doctors and hospitals and the freedom to go outside that network for care. The only differences are in out-of-pocket cost and whether employees have to file a claim. And, with the Blue Cross and Blue Shield Association’s Blue Card ® network, employees are covered across the United States and in more than 200 countries and territories worldwide.