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Healthy Blue PPO HRASM

What is Healthy Blue PPO HRA

The PPO health reimbursement arrangement provided by your employer allocates tax-exempt funds for your health care expenses. This health reimbursement arrangement is linked with our most popular plan design, the PPO, to provide flexibility and tax savings while maintaining the Blues' trusted level of quality health care.

How does Healthy Blue PPO HRA work?

Your employer chooses a Blues PPO plan and the HRA funding option, and the Blues provide a wide array of tools to help you manage your health care dollars. Plans include:

  • Community BlueSM PPO + HRA
  • Flexible BlueSM PPO + HRA

When you, or any dependents covered under your health plan, have an eligible expense, your HRA may reimburse you for the cost. The money in your HRA is tax-exempt for you (and tax-deductible for your employer) and lowers your out-of-pocket costs for health care expenses. It's a win-win situation for you and your employer.

If you become unemployed, you retain access to your HRA and the health plan linked to it if you purchase COBRA continuation. As long as COBRA premiums are paid, you are entitled to your HRA balances with the same annual employer contribution as active employees.

What does my PPO HRA pay for?

Your employer can elect for the HRA to cover all qualified medical expenses or only services covered by your health plan. Check with your employer to see which expenses are paid from your HRA. Examples of qualified medical expenses include:

  • Ambulance services
  • Annual physicals
  • Bandages
  • Body scans
  • Birth control pills
  • Contact lenses
  • Dental services
  • Eyeglasses
  • Lab fees
  • Medicines
  • Operations
  • Stop smoking plans
  • X-rays