• Health Savings Account (HSA) – If you are covered by a qualified high deductible healthplan, you can enjoy the tax and savings benefits of an HSA. Deposits to this account can be made by you, your employer or both. Funds can be used to pay for qualified expenses, or you can leave the funds untouched to work as a savings vehicle. When your balance reaches a specific dollar amount, you can invest the funds. This account belongs to you so if you leave your current employer or change healthplans, you keep the money.

BlueEdge Products available to employer groups:

• Health Care Account (HCA) – your employer sets aside a specific amount of money for you each benefit year. When you receive care for covered services, HCA dollars are used to pay for them. Eligible expenses count toward your annual deductible. Unspent funds roll over year to year as long as you remain in the plan. If you change healthplans, any available funds return to your employer.
  
  
• Wellness Rewards HCA – this incentive-based HCA can be offered as a standalone product or offered alongside other products. Your employer contributes a set amount of dollars each year for you to spend on health care or rewards you with additional funds in the account for completion of a healthy activity such as a health risk assessment or mammogram screening. Unspent funds roll over year to year as long as you stay in the plan. If you change healthplans, any available funds return to your employer.
  
  
• Vitality HCA – this Health Care Account can be offered as a standalone product or offered alongside other products. Vitality HCA gives you another option for retirement funding. Your employer sets aside a specific amount of money each year. At the end of the year, your account balance rolls over and can continue to grow. Upon retirement, you gain access to the funds.
  
  
• Limited Purpose HCA – your employer may choose to include this option when you are covered by a BlueEdge HSA plan. You can focus on using your HSA as a savings vehicle and use the Limited Purpose HCA funds to cover qualified health care expenses, which are determined by your employer. Unspent HCA funds roll over from year to year, but if you change healthplans, available dollars return to your employer.