HSA Plan

The TotalBlue Plan

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

Health Savings Account (HSA)
An account funded by your tax-free contributions to use on qualified medical expenses and prescriptions. Others may also contribute to your HSA. Qualified medical expenses are defined by Internal Revenue Code Section 213(d). 
You may use available HSA funds first to pay the cost of covered medical expenses and prescriptions without incurring a tax liability.
Unused funds rollover year-to-year for most plans
Unlimited choice of providers.
 
Plus, get 100% coverage for nationally recommended preventive care services, with no deduction from your HSA or out-of-pocket costs to you if you see an in-network provider. 
PPO Health Coverage
PPO is a comprehensive health plan that provides added protection for you and your family, after you have met your annual deductible and maximum out-of-pocket maximum. 
PPO Coverage begins after you have used your HSA balance (if you choose to use HSA funds to pay for covered services) and paid your deductible needed to satisfy your plan’s annual maximum out-of-pocket amount.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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