BlueEdgeSM Select Direct HCA

(2-150 employees)

BlueEdge Select Direct Health Care Account (HCA) is a consumer-directed health plan that includes a Health Care Account to help employees pay for medical expenses and meet the annual deductible. The chart below presents the different BlueEdge Select Direct HCA plan design options and includes a comparison of in-network versus out-of-network benefits. Prescription drugs are covered at the medical coinsurance benefit noted in the chart below.


In-Network Benefits — 100% / 70% Coinsurance

Out-of-Network Benefits

In-Network Benefits — 90% / 60% Coinsurance

Out-of-Network Benefits

In-Network Benefits — 80% / 50% Coinsurance

Out-of-Network Benefits

* The deductible is included in the out-of-pocket max

** The deductible must be met before the indicated benefits for office visit/emergency room applies