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Consumer-Directed Health Plans

To make health care more affordable, you need more choices and more control. New BlueAdvantage consumer-directed health plans are designed to give you both.

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BlueAdvantage health benefit plans offer:

  • High-deductible plans with lower monthly premiums
  • Compatibility with Health Savings Accounts and Health Reimbursement Arrangements
  • Most preventive services covered at 100 percent, even if your deductible has not been met

A Health Savings Account (HSA) is:

  • A tax-exempt personal savings account to help pay for qualified medical expenses
  • Funded by you, your employer or both
  • An interest-earning account - with funds rolling over from year to year
  • Offered through The Bancorp Bank

A Health Reimbursement Arrangement (HRA) is:

  • An employer-paid reimbursement program to pay for qualified medical expenses
  • Unused HRA funds may be carried forward to the next plan year (subject to your employer's plan design)
  • Administered by BCBSD

More features and benefits include:

  • Freedom to see any doctor or hospital in your network for most care without a referral
  • Access to the BlueCard® network of more than 5,000 hospitals and 600,000 providers nationwide
  • Online tools help you manage your benefits and your health