BCN HSA HMO
Plan options
Gold $1,350/20% Gold $1,500/0% Gold $2,700/0% ($500 employer contribution) Silver $2,700/20% Silver $3,500/0% Silver $4,500/0% Bronze $6,650/0%
Annual deductible
(individual / family)
$1,350 / $2,700 $1,500 / $3,000 $2,700 / $5,400 $2,700 / $5,400 $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)
$2,350 / $4,700 $2,500 / $5,000 $5,000 / $10,000 $5,000 / $10,000 $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:

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?