| Dental Plans Applications |
| Anthem Blue Cross of California |
|
|
| Blue Shield |
|
|
| Delta Dental MorganWhite |
|
|
| Golden West |
|
|
| Kaiser Permanente |
|
|
| Standard Life MorganWhite |
|
|
|
Home Medical Savings Accounts
Members
Medical Savings Accounts
|
|
The Anthem 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:
- Funds contributed to the MSA may be tax deductible (up to specified
limits);
- Non-taxable distributions may be made from MSA funds for qualified
medical and dental expenses;
- MSA monies can be accumulated year-to-year and may earn tax-free
interest;
- Contributions to the MSA can be made by employers or employees;
and
- MSA's are portable. Even if an employee changes employers, the
MSA remains in the employee's control
Anyone may apply for the Blue Cross High Deductible
EPO Plan. To establish an MSA, your employees must meet the following
qualifications:
- Employee or spouse must be either an employee of a business with
50 or fewer employees and offering a high deductible medical plan,
or self-employed.
- Employee cannot be covered under any other medical plan.
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.
<
Back Next >
|
| Standard Health Plans Applications |
| Aetna |
|
|
| Anthem BC Life and Health Insurance Company Tonik |
|
|
| Anthem Blue Cross of California |
|
|
| Blue Shield of California |
|
|
| Health Net of California |
|
|
| Health Net of California Farm Bureau |
|
|
| Kaiser Permanente |
|
|
| Temporary Health Plans Applications |
| Anthem BC Life and Health Insurance Company |
|
|
| Assurant |
|
|
| Health Net of California |
|
|
| Health Plans |
|
|
|
