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2014 Medical Plan Options

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Related Files

» 2014 Medical Plan Comparison

» Preventative Coverage Information

» Employee Presentation of 2014 Medical Plans
Copy of PowerPoint presentation at Employee Informational Meetings on 9/26/13 and 10/2/13

» Media Player (MP4) Presentation-Explanation of Health Reimbursement Accounts and Health Savings Accounts

Related Links

» Voice Recording of Employee Presentation of 2014 Medical Plans

» Voice Recording-Explanation of Health Reimbursement Account and Health Savings Account

» Find a Doctor in the PPO Network
Select Blue Care Elect PPO/EPO Network

» Your Pharmacy Program
A description of the pharmacy program and lists of covered medications

» BCBS Member Central Link for Pharmacy Coverage
Search for medication information and learn whether your medications will be covered. If you have questions regarding the status of your Mail Service prescription order, please call Express Scripts customer service at 1-800-892-5119

For 2014, you have the option of choosing between three (3) medical plans, two of which are new plans being offered:

Option 1:
High Deductible Health Plan with Health Reimbursement Account (HDHP-HRA)
BCBS Plan Name:  Blue Care Elect Deductible

Option 2:
High Deductible Health Plan with Health Savings Account (HDHP-HSA)
BCBS Plan Name:  Blue Care Elect Saver

Option 3:
Low Deductible Health Plan (LDHP)
BCBS Plan Name:  Advantage Blue

Although the medical plans are similar in many ways, each plan has unique differences and should be reviewed carefully by employees before making a medical plan election for 2014.

The following will illustrate those characteristics that are in common between the three medical plans: 

  • Use the same national PPO provider network
  • Do not require a Primary Care Physician
  • Do not require referrals to Specialists (self-referrals)


The following will hightlight some of the major differences between the medical plans:

  • The annual deductible is different under each plan
  • The annual deductible has no individual cap on the HDHP-HSA plan
  • Services subject to the deductible are different between each plan
  • The LDHP plan does not allow for out-of-network coverage, unless for emergency services
  • Rx prescription co-payments vary between plans

For a side-by-side comparison of covered services and out-of-pocket costs under the three medical plans, see the 2014 Medical Plan Comparison.pdf.

For detailed information about each specific medical plan, please refer to the dedicated webpage on this website for each plan.

Last updated: December 4, 2013

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