BCN HSA HMO
Plan options
Gold $1,450 Gold $1,350/20% Gold $2,700 ($500 employer contribution) Silver $2,700 Silver $3,000 Bronze $5,500 Bronze $6,350
Annual deductible
(individual / family)
$1,450 / $2,900 $1,350 / $2,600 $2,700 / $5,400 $2,700 / $5,400 $3,000 / $6,000 $5,500 / $11,000 $6,350 / $12,700
Coinsurance Percentage 0% 20% 0% 20% 0% 30% 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)
$2,450 / $4,900 $2,350 / $4,700 $5,000 / $10,000 $5,000 / $10,000 $6,300 / $12,700 $6,450 / $12,900 $6,350 / $12,700
Office visit copays
N/A* N/A* N/A* N/A* N/A* N/A* N/A*
Pharmacy copays
$10 $4 $6 $4 $10 N/A** N/A**
BCN HSA HMO
PCP Focus Network
Plan options***
Bronze $5,500 Bronze $6,350
Annual deductible
(individual / family)
$5,500 / $11,000 $6,350 / $12,700
Coinsurance Percentage 30% 0%
Embedded
Coinsurance Maximum

(individual / family)
N/A N/A
Out-of-pocket maximum
(individual / family)
$6,450 / $12,900 $6,350 / $12,700
Office visit copays
N/A* N/A*
Pharmacy copays
N/A** N/A**

*Members pay the full cost of office visits, which goes toward their deductible and coinsurance.

**Members pay the full cost of pharmacy, which goes toward their deductible and coinsurance.

***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?