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The Blue Cross High Deductible EPO Plan provides Small Group members affordable medical coverage that can be combined with a Medical Savings Account(MSA).

An MSA is a tax-favored account established to pay for qualified medical and dental expenses. It allows for an individual to accumulate savings to pay for future medical and dental costs. Funds contributed to an MSA, which is established through a qualified financial institution, may be used to pay for medical deductibles when combined with a qualified high-deductible plan.

An MSA offers an opportunity for long-term tax-deferred and/or tax-free savings, while providing better control over medical, dental and insurance spending. Incentives for establishing an MSA and enrolling in the Blue Cross High Deductibles EPO are:

Anyone may apply for the Blue Cross High Deductible EPO Plan. To establish an MSA, your employees must meet the following qualifications:

Employee may carry low-deductible coverage for long-term care, accidents, disability, dental care, or vision care. Employee may also have illness-specific per-diem hospital insurance workers’ compensation, torts or property policies.

The Blue Cross High Deductible EPO Plan is designed to enable your employees to take advantage of the tax savings, if they are eligible to establish a Medical Savings Account. In order to take advantage of the tax savings, and employee must qualify as an “eligible individual under IRS regulations and must separately open an MSA meeting IRS requirements. 

The Blue Cross High Deductible EPO Plan is an Exclusive Provider Organization (EPO) plan. Benefits are applicable only through network providers, except in emergencies. Blue Cross negotiates rates with network health care professionals, so members save on costs. Using non-network providers will result in significantly higher out-of-pocket costs.

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