HRA Plan Details
The Choice and Value HRA Plans, administered by Blue Cross and Blue Shield of Florida, Inc. (BCBSFL), include a health reimbursement account, or HRA.
HRA Plan highlights
- You can choose from two HRA plans — the Choice HRA and Value HRA.
- You can see any doctor (including specialists) or hospital in the BCBSFL/national alliance national network. You don’t need referrals and you don’t need to choose a primary care physician.
- If you choose to receive care outside of the BCBSFL/national alliance network, you are covered but your costs will be higher.
- Preventive care is covered 100% in the BCBSFL/national alliance network.
- You have prescription coverage with Express Scripts, including 100% coverage for certain preventive medications.
Open and use a personal Accrue Health Reimbursement Account (HRA)
- Your HRA will be opened for you; there is nothing you need to do.
- You will receive an HRA debit card in the mail. It is sent in a plain, white envelope with a return address of:
PO Box 7248
Sioux Falls, SD 57117 - Whenever there is activity on your account (e.g., a debit card is issued or replaced, you have claims activity, you are required to submit documentation for a claim, an account statement is available, etc.), you will receive a generic email designed to protect your privacy.
- The HRA is funded by Bloomin’ Brands if you or your enrolled spouse complete Health Rewards before December 1.
- Use it to pay for eligible expenses.
- It pays a portion of the annual deductible.
- Unused funds will roll over year to year as long as you remain continuously enrolled in one of the BBI HRA Plan options.
How the HRA Plans work
First, you pay out of pocket.
The HRA medical options have a deductible, which is the amount you must pay before the plan begins paying for covered services. If any dependents are enrolled, you must meet the family deductible before the plan shares in the cost of eligible expenses.
When you incur eligible health care expenses, you can choose to use your HRA or you can choose to pay another way (i.e., cash, credit card). It’s your choice.
Remember, to earn money into your HRA, you must complete Health Rewards at www.MyHealthToolkitFL.com before December 1.
Next, you and the plan share the costs.
After you pay the deductible, the plan will share in the cost of eligible health care expenses, called coinsurance. For example, if the plan pays 80% of the cost, you will pay the remaining 20%.
Preventive care services are covered 100% in the network throughout the plan year and do not affect your HRA.
When you incur eligible health care expenses, you can choose to use your HRA or you can choose to pay another way (i.e., cash, credit card). If you spend all of the funds in the HRA, you will need to pay the costs of your health care expenses.
Finally, the plan begins to pay.
Once your deductible and coinsurance payments add up to the plan’s out-of-pocket maximum, the plan will pay 100% of all eligible health care expenses for the rest of the year.
Tip
Log in to www.MyHealthToolkitFL.com to find a network provider in your area.
Contacts
BCBSFL Customer Service
Navigate the healthcare system and your medical coverage
AccrueHealth
Health Savings Account (HSA) and Health Reimbursement Account (HRA) administrator
