BCN HRA HMO Plan options breakdown
BCN HRA HMO
Plan options
Platinum $1,500 Platinum $2,000 Platinum $5,000 Gold $2,000 Gold $4,000
Annual deductible
(individual / family)
$1,500 / $3,000 $2,000 / $4,000 $5,000 / $10,000 $2,000 / $4,000 $4,000 / $8,000
Coinsurance Percentage 20% 20% 20% 20% 20%
Embedded
Coinsurance Maximum

(individual / family)
$500 / $1,000
$500 / $1,000
N/A / N/A N/A / N/A
N/A / N/A
Out-of-pocket maximum
(individual / family)
$6,350 / $12,700 $6,350 / $12,700 $6,350 / $12,700 $6,350 / $12,700 $6,350 / $12,700
Office visit copays
$20 $20 $20 $30 $30
Pharmacy copays
$4 $4 $6 $6 $4
BCN HRA HMO PCP Focus Network breakdown
BCN HRA HMO
PCP Focus Network
Plan options*
Platinum $5,000
Annual deductible
(individual / family)
$5,000 / $10,000
Coinsurance Percentage 20%
Embedded
Coinsurance Maximum

(individual / family)
N/A
Out-of-pocket maximum
(individual / family)
$6,350 / $12,700
Office visit copays
$20
Pharmacy copays
$6

*PCP Focus is a custom primary care physician network. Plans that offer the PCP Focus network are only available to businesses with at least one location in one of the following counties: Bay, Calhoun, Clinton, Eaton, Genesee, Ingham, Kalamazoo, Kent, Livingston, Macomb, Monroe, Muskegon, Oakland, Ottawa, Saginaw, Shiawassee, St. Clair, Van Buren, Washtenaw, Wayne. To learn more, see "What's the PCP Focus network?"

Find more details about this plan:

Certificates are legal documents that describe the benefits of a health insurance plan. Your plan might have different benefits and limitations than those listed in this document.

How an HRA works

A health reimbursement arrangement is a health care account the employer pays for to help cover employees' out-of-pocket costs for certain health care services. Here’s how a BCN HRA HMO benefits your business:

  • Plans that pair with an HRA typically cost less.
  • No startup or administrative fees. 
  • Tax advantages 
  • You own the account and retain unused funds at the end of the year

Want to learn more about health spending accounts?