BlueEdge HCA is a consumer-driven health plan that works with a Health Care Account (HCA) that the employer funds. BlueEdge HCA gives the employee control over how the health care dollars are spent and includes four major components:
- HCA funds from the employer are used to pay for covered health care expenses. Money spent from this account, for covered services, counts toward the deductible.
- PPO benefits begin after the employee meets the deductible. The employee has the freedom to see any doctor without a referral.
- Preventive care and wellness visits are covered – nothing is deducted from the spending account and the employee doesn't need to meet the deductible to enjoy these benefits.
- Online decision resources help increase awareness and knowledge of health issues and help keep track of the HCA and health care expenses.