BlueFund Consumer Directed Health Plans (CDH)

CareFirst's Consumer Directed Health Plans, called BlueFund, puts your employees in the driver's seat. BlueFund combines a CareFirst health plan with an employer-funded "Health Reimbursement Arrangement" (HRA) or a "Health Savings Account" (HSA) to cover health care expenses. Access to online self-service tools and health and wellness information helps your employees to manage their health care.

Advantages:

• A medical spending account (either an HRA or HSA) is set up with a predetermined amount of funds, which can be used to pay for out-of-pocket member expenses.
• Unspent funds are rolled over to the next year, thus increasing employees' total account fund.
• Employees make the decision on where and how to spend their health care funds, while still benefiting from the Blue Cross and Blue Shield provider discounts.
• Online tools help employees keep track of their fund balance and manage their benefits.
• Freedom to select any doctor and in most cases, no referrals are necessary.
• 100% coverage or a small copay coverage for routine preventive care when using in-network providers.
• No claim forms to fill out for in-network and out-of-network services when rendered by participating providers.
• Large national network of preferred and participating providers through BlueCard - more than 6,100 hospitals and  700,000 providers.

Online tools and resources:

• How BlueFund Plans Work - Provides more details on HRA and HSA BlueFund plans.
• Member self-service site - Allows employees to:
  • Keep track of the balance in their account
  • Check HRA/HSA transaction details
  • Check the status of their claims
  • See their eligibility
  • Search the online provider directory
  • Access health information
• My Care First - Provides health and wellness information along with health risk assessment and health goal-setting tools.
• "Options" Discount Program - Offers discounts on a variety of services such as laser vision correction, fitness club memberships, weight loss programs and more.
• Find a Doctor - This provider directory is updated every two weeks.
• Prescription Drug Information - Look up prescription drug prices and learn how to save money on prescription drugs.

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