2014 BlueAccess plan for small groups

Our BlueAccess plans let your employees visit 100 percent of hospitals and 98 percent of doctors in Minnesota through the Aware® network.  Search the Aware network.

And they'll also have national coverage through the BlueCard® PPO network and international coverage with the BlueCard Worldwide® network.

These plans may be a good fit if you want:

  • The largest network of doctors and hospitals
  • Several cost-sharing options
  • To add health savings accounts (HSA) or health reimbursement arrangement (HRA) 
  • Upfront benefits, two free online doctor visits for example (available with plans without HSAs)
  • Discounts on gym and fitness center memberships

Add an HSA or HRA

Some BlueAccess plans also offer optional health savings accounts (HSA) or health reimbursement arrangements (HRA).

The HRA — what it is and how it works

An HRA helps your employees pay for some medical expenses. You put pre-tax dollars in your employees' accounts and any unspent money is returned to you.

Each year, you add money to your employees' accounts. When an employee sees a doctor, goes to a clinic or hospital or buys prescription drugs, they can use the account to pay for some expenses.

If your employee doesn't use all of the money in their account, you can roll it over to the next year. And if your employee leaves the company or retires, you keep the money in their account. 

The HSA — what it is and how it works

These special saving accounts help your employees pay for some medical expenses. You, your employee or both of you can put pre-tax dollarsin these accounts. 

Your employees can use the money to pay for some medical expenses and some insurance or Medicare premiums. They can roll over any unused money to the next year. And they can also keep the money in this account, if they leave your company or retires.


Want to learn more?

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