| BCN HSA HMO Plan options |
Gold $1,500/20% | Gold $2,000/0% | Gold $2,800/0% ($500 employer contribution) | Silver $3,000/20% | Silver $3,500/0% | Silver $4,500/0% | Bronze $6,650/0% |
|---|---|---|---|---|---|---|---|
| Annual deductible (individual / family) |
$1,500 / $3,000 | $2,000 / $4,000 | $2,800 / $5,600 | $3,000 / $6,000 | $3,500 / $7,000 | $4,500 / $9,000 | $6,650 / $13,300 |
| Coinsurance Percentage | 20% | 0% | 0% | 20% | 0% | 0% | 0% |
| Embedded Coinsurance Maximum (individual / family) |
N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Out-of-pocket maximum (individual / family) |
$3,000 / $6,000 | $3,500 / $7,000 | $5,000 / $10,000 | $6,000 / $12,000 | $6,300 / $12,700 | $6,650 / $13,300 | $6,650 / $13,300 |
| PCP office visit copay |
N/A* | N/A* | N/A* | N/A* | N/A* | N/A* | N/A* |
| Preferred generic pharmacy copay |
$4 | $10 | $6 | $4 | $10 | $10 | N/A** |
| BCN HSA HMO PCP Focus Network Plan options*** |
Bronze $6,650 |
|---|---|
| Annual deductible (individual / family) |
$6,650 / $13,300 |
| Coinsurance Percentage | 0% |
| Embedded Coinsurance Maximum (individual / family) |
N/A |
| Out-of-pocket maximum (individual / family) |
$6,650 / $13,300 |
| Office visit copays |
N/A* |
| Pharmacy copays |
N/A** |
*Members pay the full cost of PCP office visits, which goes toward their deductible.
**Members pay the full cost of pharmacy, which goes toward their deductible.
***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 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:
- 2019 BCN HMO High Deductible Small Group Plan Benefits Certificate (PDF)
- 2020 BCN HMO High Deductible Small Group Plan Benefits Certificate (PDF)
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 HSA works
A health savings account is like a 401(k) for medical expenses. Employees own the account and use it to pay for qualified medical expenses. Both of you can make pre-tax payroll contributions to an HSA.
Here are some of the benefits of a BCN HSA HMO plan:
- Plans that pair with an HSA typically cost less.
- When employees have more say in how they spend their health care dollars, they may use them more responsibly.
Want to learn more about health spending accounts?