One of the reasons why some people are hesitant about getting health insurance is because they feel that they are not getting their money’s worth; they are required to pay a high premium every month even if they do not require medical treatment that often. If you are like one of them, then you should take a look at one of the plans that Blue Cross Blue Shield of North Carolina has in store; the Blue Options HSA (health savings account).
With regular insurance, you are charged with a fixed monthly premium, the benefits of which is that when you avail of any medical services, you only need to pay a small amount as co-payment. This would be a great deal if you often visit your primary physician or regularly see a specialist regarding a health condition, but if you only pay a visit to your doctor for annual check ups, then you might be paying too much for a service that you rarely use.
What Makes Blue Options HSA Different?
With Blue Options HSA the premiums are significantly lower than that of regular insurance plans. The reason being is that you will be charged a deductible instead of a co-payment for medical services; it may seem like a bad thing but it can actually save you money if you rarely require medical attention. You still get the same kind of medical coverage as regular insurance when you need serious medical help, but you do not have to pay as much every month in terms of premiums.
Another great thing about Blue Options HSA is that you also have the options to place money in your account which you can use to pay for your deductibles whenever you need it. For instance, if your monthly premiums with Blue Options HSA amounts to just a hundred dollars, if you can, you can pay more than the required amount and the excess will go into your HSA.
How Does Blue Options HSA Work?
You can contribute to your HSA as little or as much as you want as long as it is within the acceptable limits set by the IRS. You can then use the money in your HSA to pay for your deductibles tax-free; this means you do not have to spend as much as you would if you paid for your medical expenses straight from your pocket.
So, if value for money is what you are looking for, then the Blue Options HSA is the best Charlotte health insurance plan for you.