LARGE GROUP PLANS

• Choose the deductible and level of benefits that match your budget and healthcare needs
• Employees have the freedom to choose their own doctors and hospitals from our extensive local and nationwide network of healthcare providers
• Employees can see in-network or out-of-network providers

• Employees select a Primary Care Physician (PCP) who monitors their health and helps coordinate medical care
• No referrals are required for employees to see an in-network specialist and there is no deductible

• Employer-funded: the HRA is funded by the employer
• Employee-managed: employees use money from their HRA to pay for eligible medical expenses
• Rollover of funds: employees can roll over unused HRA funds each year, and employers can limit the rollover amount to help manage costs
• Employee responsibility: if employee and dependents eligible healthcare expenses exceed funds available in their HRAs during the plan year, they will pay for medical expenses until their deductible is met
• Plan coverage: HRA funds are exhausted first, then an employee will meet his or her deductible, then employee is responsible for coinsurance if applicable, the PersonalBlue PPO health insurance plan will cover any additional medical expenses for that plan year
• Prescription drug coverage: prescription drug coverage is based on a three-tier copay structure – HRA funds are not eligible to go towards prescription drug copays

• Employer contributions: employers may choose to contribute to employees’ HSAs
• Pre-tax savings: employees can have part of their pre-tax earnings deposited into an HSA and can use their HSA money to pay for qualified medical expenses
• Funding options: employees can use savings, employer contributions or individual contributions to fund their HSA
• Health plan coverage: once an employee meets the deductible for covered healthcare expenses, BlueSaver begins paying some or all additional healthcare expenses employees incur during that plan year, depending on the plan design
• HSA resources: learn more about the tax benefits of a Health Savings Account
• Preventive Care: In-network, routine preventive care services are covered at 100% (deductible does not need to be met first)

• All primary care appointments and procedures at Spira Care Centers are 100% covered.
• Spira Care Centers are staffed with Care Guides to help your employees navigate the healthcare system.
• For other medical needs like specialty care or hospitalization, Spira Care works much like a traditional health plan with an annual deductible.
• Members can see more than 3,000 physicians and specialists at over 11,000 access points in the BlueSelect Plus network.

Discover more about what Spira Care can offer your employees.