Blue Access for Employers

How BlueEdgeSM HSA Works


Take a look at these examples of how BlueEdge HSA can work.

Liz: individual coverage with a Health Savings Account
Christine and Frank: family coverage with a Health Savings Account


Liz

Liz has BlueEdge HSA individual coverage. Her plan is paired with a Health Savings Account to which she and/or her employer can contribute an amount equal to her plan's deductible each year. Her Health Savings Account administrator issues Liz a debit card and a checkbook that can be used to pay for eligible health care expenses that aren't covered by the PPO.

Year One

Liz's Health Savings Account annual contribution = $1,500
(Liz contributes $750 and her employer contributes $750)
Liz's annual deductible = $1,500

Liz had a physical and preventive care lab tests.
$225 was paid by the PPO preventive care benefit.

She injured her back and saw a specialist who is part of the PPO network.
Charges amounted to $315, which Liz paid with her Health Savings Account debit card. This amount was also applied to the deductible.

She had six physical therapy visits for her back with a physical therapist who is part of the PPO Network.
Each therapy session cost $175, for a total of $1,050. Liz paid for this with her debit card and the total was applied to her deductible.

Liz broke her leg.
Total charges were $3,000. Liz paid $135 from her debit card, which satisfied the annual $1,500 deductible, leaving $2,865. PPO benefits paid 80 percent ($2,292) and Liz paid her 20 percent coinsurance ($573).

Liz used all the funds in her Health Savings Account.

Year Two

Liz and her employer each contributed $750 to her Health Savings Account for a total of $1,500.

She had an annual physical and several preventive care lab tests.
$280 was paid by the PPO preventive care benefit.

She had an eye exam and purchased a year's supply of contact lenses.
Total charges were $320, which Liz paid with her debit card. This expense did not count toward the deductible.

Midway through the year, Liz decided to change jobs. Her Health Savings Account is portable and she kept the remaining $1,180.


Christine and Frank

Christine, Frank, and their two children have BlueEdge HSA family coverage through Christine's employer. The plan is paired with a Health Savings Account that includes a debit card and a checkbook. At the beginning of the year, Frank and Christine put $3,000 into their Health Savings Account, which is the maximum amount they are allowed to contribute (an amount equal to the family deductible).

Year One

Christine's Health Savings Account annual contribution = $3,000
Christine's annual family deductible = $3,000

Frank and Christine had physicals and preventive care lab tests.
$580 ($290 per person) was paid by the PPO preventive care benefit.

Both children had annual physicals and routine immunizations.
$320 was paid by the PPO preventive care benefit.

Frank tore a ligament in his knee that required surgery.
Charges of $675 for the emergency room visit were paid with the Health Savings Account debit card, which counts toward the deductible. Surgery charges were $6,000. Frank paid $2,325 with the debit card. With this, the $3,000 family deductible had been satisfied and PPO benefits began. Of the remaining $3,675, PPO paid 80 percent ($2,940) and Frank paid his 20 percent coinsurance ($735).

Christine saw a dermatologist and had several moles removed.
Charges of $1,200 were paid by the PPO (80 percent or $960) and Christine paid her 20 percent coinsurance ($240).

All of the Health Savings Account money was spent, so there was no amount to roll over to the next year.

Year Two

Frank and Christine decide to contribute $3,000 once again to their Health Savings Account at the beginning of the year.

Frank and Christine had physicals and preventive care lab tests.
$525 ($262 per person) was paid by the PPO preventive care benefit.

Both children had annual physicals.
$275 was paid by the PPO preventive care benefit.

Christine saw her dermatologist for a follow up visit.
She paid for the $175 visit with the Health Savings Account debit card, which also counted toward the deductible.

Frank had an eye exam and bought glasses.
Total charges were $450, which Frank paid with his debit card. This expense did not count toward the deductible.

At the end of Year Two, $2,375 remains in the Health Savings Account and this rolls over to the next year. Frank and Christine can contribute an additional $3,000 (maximum) to the account in Year Three.


Learn More About BlueEdge HSA

Overview
Benefit Information
Spending Account and the Deductible
Easy steps for setting up an HSA
BlueEdge HSAQ FAQs
Common FAQs

 

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