If you've offered rich benefit plans in the past or want to get a handle on employee utilization, Blue Options HRA allows you maximum flexibility in designing your plan. Blue Options HRA combines the strength of our BlueCard^® network and other value-added benefits with greater employee engagement in health care spending decisions. You can offer Blue Options HRA by itself, or alongside one of our traditional plans.

Blue Options HRA pairs a high-deductible Blue Options PPO plan with an employer-funded health reimbursement account (HRA) for out-of-pocket expenses. These plans typically have lower premiums than traditional plans so your company may save money immediately. The HRA helps strike the balance between managing expenses and the cost of the PPO plan.

With Blue Options HRA, you get:

• Control over your health care spending
• Flexible account design
• Allocate funds now, but pay later
• Decide which expenses are eligible for HRA reimbursement
• Make HRA funds available at different intervals

With Blue Options HRA, your employees get:

• A health reimbursement account for out-of-pocket expenses
• Convenient debit card or Auto Pay option
• In- and out-of-network benefits
• Our largest network¹
• Worldwide coverage¹
• Access to specialists with no referrals²
• Emergency and urgent care