HRA Plan

The TotalBlue Plan

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When you enroll in our Empire Total Bluesm HRA plan, you’ll get:

A Health Reimbursement Account (HRA)
An account funded by your employer each year to pay for covered medical expenses and prescriptions. 
Use HRA funds first to pay for covered medical expenses and prescriptions.
Unlimited choice of providers.
Unused funds rollover year-to-year for most plans
Plus, get 100% coverage for nationally recommended preventive care services, with no deduction from your HRA or out-of-pocket costs to you if you see an in-network provider. 
PPO Health Coverage
A comprehensive PPO health plan that provides added protection for you and your family after you have met your annual deductible. It is Traditional Health Coverage that begins after you have used your HRA allocation and paid your deductible. Your out-of-pocket expenses are limited to a maximum each year, after which you receive 100% protection for covered services.  
Personalized Services and Tools
We provide you with online tools and personalized resources to help you live a healthier life. 
Use our Find a Doctor online directory to find doctors and hospitals that participate in our network.
Find tools to help you stay healthy and manage a health condition. Also make comparisons on quality and cost information for medical services such as Hospital IQsm. Member Online Services allows you to track your account activity, claims and benefits. Talk to registered nurses about minor health concerns on our 24-hour HealthLinesm Nurse Access
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Services provided by Empire HealthChoice HMO, Inc. and/or Empire HealthChoice Assurance, Inc., licensees of the Blue Cross and Blue Shield Association, an association of independent Blue Cross and Blue Shield Plans, serving residents and businesses in the 28 eastern and southeastern counties of New York State. All external sites will open in a new browser window. Please view our Website Privacy Policy for more information.