2-50 employees
UpdateBlue Elect Plus HRASM POS
Blue Elect Plus POS is a smart option for employees who want an affordable plan with provider choice and flexibility. Because a health reimbursement arrangement is included, this plan can help your employees cover out-of-pocket costs.
- Employees can get care wherever they want without the need for a referral.
- Blue Care Network administers the HRA with no startup or administrative fees.
- Prescription drug coverage is included.
- Preventive care is 100% covered.
NETWORK SIZE
PREMIUM COST
$$$
LEVEL OF CONSUMER ENGAGEMENT
Low
INDIVIDUAL DEDUCTIBLE
$2,000 - $4,000
How HRA and point of service plans work
With a health reimbursement arrangement, or HRA, your company funds and owns the arrangement. You choose to allow the arrangement to pay for the deductible, coinsurance or both.
Here are some of the benefits:
- These pay-as-you-go plans have no startup or administrative fees.
- They offer tax advantages and seamless processing of medical claims.
A point-of-service plan, or POS, is a type of managed care plan that combines the features of a PPO with an HMO plan.
Your employees won't need a referral to see a specialist, and they can live in or outside of Michigan, unlike many other HMO-style plans.
Your employees will pay the least when they get care from a doctor in our network. They’ll pay more when the doctor doesn’t belong to our network. It’s up to them to decide what works best.
Want more details about Blue Elect Plus HRA POS?
2026 Documents
Plan options for 2026
This is a mid-level plan with a $2,000 deductible and a 20% coinsurance.
Monthly premium
Medium
Deductible
$2,000
Out-of-pocket maximum
$7,350
PCP visit copay
$30
Individual annual deductible
Individual annual deductible
An individual annual deductible is the amount you pay each year for health services before your health insurance begins to pay.
In network
$2,000
Out of network
$4,000
Family annual deductible
Family annual deductible
A family annual deductible is the amount you and others on your plan have to pay each year for health services before your health insurance begins to pay.
In network
$4,000
Out of network
$8,000
Coinsurance percentage
Coinsurance percentage
Coinsurance is your share of the cost of a health care service. It’s usually figured as a percentage of the total charge for the service. You start paying coinsurance once you’ve met your plan’s deductible.
In network
20%
Out of network
40%
Individual embedded coinsurance maximum
Embedded coinsurance maximum
The embedded coinsurance maximum is the most you’ll have to pay in coinsurance during a policy period. It makes up part of the out-of-pocket maximum.
In network
N/A
Out of network
N/A
Family embedded coinsurance maximum
Embedded coinsurance maximum
The embedded coinsurance maximum is the most you’ll have to pay in coinsurance during a policy period. It makes up part of the out-of-pocket maximum.
In network
N/A
Out of network
N/A
Individual out-of-pocket maximum
Out-of-pocket maximum
This represents the most you’ll have to pay during a policy period, usually a year, for health care services. Once you've reached it, your plan pays 100% of the allowed amount for covered services.
In network
$7,350
Out of network
$14,700
Family out-of-pocket maximum
Out-of-pocket maximum
This represents the most you’ll have to pay during a policy period, usually a year, for health care services. Once you've reached it, your plan pays 100% of the allowed amount for covered services.
In network
$14,700
Out of network
$29,400
PCP visit copay
PCP office visit copay
This is what you'll pay when you see your primary care physician, the doctor you've selected to oversee your health care.
In network
$30
Out of network
50% coinsurance after deductible
Preferred generic pharmacy copay
Preferred generic pharmacy copay
This is what you'll pay when you buy a commonly prescribed generic version of a brand-name drug. This is the lowest copay tier for prescription drugs.
In network
$15
Out of network
Not covered
|
|
|
||
|---|---|---|---|
|
Individual annual deductible An individual annual deductible is the amount you pay each year for health services before your health insurance begins to pay. |
$2,000 | $4,000 | |
|
Family annual deductible A family annual deductible is the amount you and others on your plan have to pay each year for health services before your health insurance begins to pay. |
$4,000 | $8,000 | |
|
Coinsurance percentage Coinsurance is your share of the cost of a health care service. It’s usually figured as a percentage of the total charge for the service. You start paying coinsurance once you’ve met your plan’s deductible. |
20% | 40% | |
|
Embedded coinsurance maximum The embedded coinsurance maximum is the most you’ll have to pay in coinsurance during a policy period. It makes up part of the out-of-pocket maximum. |
N/A | N/A | |
|
Embedded coinsurance maximum The embedded coinsurance maximum is the most you’ll have to pay in coinsurance during a policy period. It makes up part of the out-of-pocket maximum. |
N/A | N/A | |
|
Out-of-pocket maximum This represents the most you’ll have to pay during a policy period, usually a year, for health care services. Once you've reached it, your plan pays 100% of the allowed amount for covered services. |
$7,350 | $14,700 | |
|
Out-of-pocket maximum This represents the most you’ll have to pay during a policy period, usually a year, for health care services. Once you've reached it, your plan pays 100% of the allowed amount for covered services. |
$14,700 | $29,400 | |
|
PCP office visit copay This is what you'll pay when you see your primary care physician, the doctor you've selected to oversee your health care. |
$30 | 50% coinsurance after deductible | |
|
Preferred generic pharmacy copay This is what you'll pay when you buy a commonly prescribed generic version of a brand-name drug. This is the lowest copay tier for prescription drugs. |
$15 | Not covered |
This is a mid-level plan with a $4,000 deductible and a 20% coinsurance.
Monthly premium
Medium
Deductible
$4,000
Out-of-pocket maximum
$10,150
PCP visit copay
$30
Individual annual deductible
Individual annual deductible
An individual annual deductible is the amount you pay each year for health services before your health insurance begins to pay.
In network
$4,000
Out of network
$8,000
Family annual deductible
Family annual deductible
A family annual deductible is the amount you and others on your plan have to pay each year for health services before your health insurance begins to pay.
In network
$8,000
Out of network
$16,000
Coinsurance percentage
Coinsurance percentage
Coinsurance is your share of the cost of a health care service. It’s usually figured as a percentage of the total charge for the service. You start paying coinsurance once you’ve met your plan’s deductible.
In network
20%
Out of network
40%
Individual embedded coinsurance maximum
Embedded coinsurance maximum
The embedded coinsurance maximum is the most you’ll have to pay in coinsurance during a policy period. It makes up part of the out-of-pocket maximum.
In network
N/A
Out of network
N/A
Family embedded coinsurance maximum
Embedded coinsurance maximum
The embedded coinsurance maximum is the most you’ll have to pay in coinsurance during a policy period. It makes up part of the out-of-pocket maximum.
In network
N/A
Out of network
N/A
Individual out-of-pocket maximum
Out-of-pocket maximum
This represents the most you’ll have to pay during a policy period, usually a year, for health care services. Once you've reached it, your plan pays 100% of the allowed amount for covered services.
In network
$10,150
Out of network
$20,300
Family out-of-pocket maximum
Out-of-pocket maximum
This represents the most you’ll have to pay during a policy period, usually a year, for health care services. Once you've reached it, your plan pays 100% of the allowed amount for covered services.
In network
$20,300
Out of network
$40,600
PCP visit copay
PCP office visit copay
This is what you'll pay when you see your primary care physician, the doctor you've selected to oversee your health care.
In network
$30
Out of network
40% coinsurance after deductible
Preferred generic pharmacy copay
Preferred generic pharmacy copay
This is what you'll pay when you buy a commonly prescribed generic version of a brand-name drug. This is the lowest copay tier for prescription drugs.
In network
$4
Out of network
Not covered
|
|
|
||
|---|---|---|---|
|
Individual annual deductible An individual annual deductible is the amount you pay each year for health services before your health insurance begins to pay. |
$4,000 | $8,000 | |
|
Family annual deductible A family annual deductible is the amount you and others on your plan have to pay each year for health services before your health insurance begins to pay. |
$8,000 | $16,000 | |
|
Coinsurance percentage Coinsurance is your share of the cost of a health care service. It’s usually figured as a percentage of the total charge for the service. You start paying coinsurance once you’ve met your plan’s deductible. |
20% | 40% | |
|
Embedded coinsurance maximum The embedded coinsurance maximum is the most you’ll have to pay in coinsurance during a policy period. It makes up part of the out-of-pocket maximum. |
N/A | N/A | |
|
Embedded coinsurance maximum The embedded coinsurance maximum is the most you’ll have to pay in coinsurance during a policy period. It makes up part of the out-of-pocket maximum. |
N/A | N/A | |
|
Out-of-pocket maximum This represents the most you’ll have to pay during a policy period, usually a year, for health care services. Once you've reached it, your plan pays 100% of the allowed amount for covered services. |
$10,150 | $20,300 | |
|
Out-of-pocket maximum This represents the most you’ll have to pay during a policy period, usually a year, for health care services. Once you've reached it, your plan pays 100% of the allowed amount for covered services. |
$20,300 | $40,600 | |
|
PCP office visit copay This is what you'll pay when you see your primary care physician, the doctor you've selected to oversee your health care. |
$30 | 40% coinsurance after deductible | |
|
Preferred generic pharmacy copay This is what you'll pay when you buy a commonly prescribed generic version of a brand-name drug. This is the lowest copay tier for prescription drugs. |
$4 | Not covered |
Frequently asked questions
Our agents can help you set up your plan, enroll your employees and help you determine the easiest way to set up payments. Contact an agent to learn more.
There are three types of accounts used to pay for medical expenses: a health savings account, or HSA, a health reimbursement arrangement, or HRA, and a flexible spending account, also known as an FSA.
These accounts are part of what's called consumer-directed health care. They offer:
- Potential tax savings by being tax exempt or tax deductible
- More control over health care costs
- Lower health care costs
We can help you decide which is best for your business and employees. Connect with us.
PCP Focus is a custom primary care physician HMO network offered by Blue Care Network. The doctors your employees will choose from this network have shown they can provide quality care and a high level of efficiency that lowers health care costs. We pass those savings on to you: your premiums are up to 8% lower when you choose a plan with the PCP Focus network.
Interested in this plan for your employees?
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