PPO plans have in-network and out-of-network coverage for most services. The out-of-network annual deductible and out-of-pocket maximum are double the in-network amount. The amounts listed below apply for in-network services only. You can pair these plans with an employer-sponsored Health Reimbursement Arrangement (or HRA). Read below for more details.

Community Blue HRA PPO Plan options breakdown
Community Blue HRA PPO
Plan options
Gold $3,000 Gold $5,000 Platinum $1,500
Annual deductible
(individual / family)
$3,000 / $6,000 $5,000 / $10,000 $1,500 / $3,000
Coinsurance Percentage 20% 20% 20%
Coinsurance Maximum

(individual / family)
$1,500 / $3,000 N/A $1,500 / $3,000
Out-of-pocket maximum
(individual / family)
$6,600 / $13,200 $6,600 / $13,200 $6,350 / $12,700
PCP office visit copays
$30 $40 $20
Preferred generic pharmacy copays
$5 $10 $5

How an HRA works

A health reimbursement arrangement is a kind of consumer-directed health spending account. You set aside a defined amount of money in the HRA for each employee. Employees are then reimbursed for medical expenses not covered by their health insurance plan, like deductibles and coinsurance. Here's how a Community Blue HRA PPO benefits your business:

  • Consumer-directed health insurance plans typically cost less.
  • When employees have more say in how they spend their health care dollars, they may use them more responsibly.
  • You can deduct HRA reimbursements from your taxes.
  • You own the account and retain unused funds at the end of the year.
  • We can make managing your account even easier with HealthEquity® HRA, our integrated support program.

Want to learn more about health spending accounts?