BlueAccount HSA combines your Highmark high deductible health plan with a health savings account (HSA) to work hand-in-hand to give you greater control over your heath care. The high-deductible health plan portion of BlueAccount HSA, the PPOBlue Comprehensive Major Medical Preferred-Provider High-Deductible Health Plan, is available in 29 Western Pennsylvania counties and utilizes the Keystone Health Plan West network of providers. Because PPOBlue includes a higher than average annual deductible, you'll find your health insurance premiums are lower and easier on your budget.

An HSA is a tax-advantaged savings account similar to an IRA but used for medical expenses. Participants administer their accounts, making their fund(s) selections and enjoying triple tax advantages: cash contributions are deducted from federal gross income tax; earnings may accumulate tax-deferred; and withdrawals for eligible expenses are not subject to federal income tax.

Although you can open a health savings account with any HSA custodian, BlueAccount HSA provides an HSA specifically designed with Highmark Blue Cross Blue Shield members in mind. This flexible HSA is provided by PFPC, a member of The PNC Financial Services Group Inc. - bringing together an experienced provider of financial services with one of the area's most respected health insurance companies.

With Blue Account HSA, you can, on one powerful Web site, track your health savings account deposits, withdrawals, balances, earnings and more. You can also access all of your health care coverage information, self-service options and health information resources.

* Largest provider network in Western Pennsylvania (PPOBlue utilizes the Keystone Health Plan West network of providers).
* Coverage for doctor office visits, hospital, diagnostic tests, surgery, emergency care, therapies and much more.
* Freedom to choose the doctors and hospital you want.
* Ability to go directly to a specialist -- or any other provider -- without a referral, even out of the network.
* Prescription drug benefits.
* Coverage for preventive medical care and wellness visits for you and your children.
* Maximum benefits with no claims to file when you use network providers.
* Coverage when you travel.
* 24-hour Blues on Callsm health care support and assistance.
* Acceptance is based on a medical questionnaire. No physical exam is required.

This program is available to individuals who wish to purchase a qualified high-deductible health plan for use with a Health Savings Account as defined by the Internal Revenue Service.

You're eligible to open an HSA if you are not eligible for Medicare; not claimed as a dependent on someone else's tax return; covered by a qualified high-deductible health plan like PPOBlue; not covered by any other health plan.

You decide if you want to open an HSA, which HSA custodian you'll choose and the amount you contribute. You may apply for PPOBlue without opening an HSA. For specific advice on tax and other issues related to the HSA, consult your tax attorney or other legal advisor. Like all investment funds, certain fees apply to the HSA.

Highmark is a registered service mark of Highmark Inc.
Blues On Call is a service mark of the Blue Cross and Blue Shield Association.

For more information or a no obligation quote:

call ABI Agency at
724.864.3677 or 1-800-791-8266
Email us at ABI Agency Information