BlueEdge HCASM

Employees may make more informed financial decisions about their health care spending when they are enrolled in a benefits plan with a health care account (HCA). BlueEdge HCA, part of a portfolio of consumer-directed health plan products, strikes the right balance between engaging employees as smart consumers and helping manage the employer's health care costs.

Why BlueEdge HCA Works

  • Gives employees access to the same broad PPO network as traditional plans
  • Provides a vehicle for funding incentive rewards
  • Includes a substantial selection of HCA products and funding features that enable employers to follow a multi-year consumerism strategy

Select the HCA that’s right for your company:

BlueEdge HCA is an employer-funded reimbursement account that pays for the initial qualified medical expenses of the deductible.

BlueEdge HCA DirectSM requires that members pay a portion of the deductible before they can access HCA funds.

BlueEdge Wellness Rewards HCASM uses incentives as a way to increase funds available to employees.

BlueEdge Limited Purpose HCASM is the only HCA that can be offered to employees enrolled in a plan compatible with BlueEdge HSASM (health savings account). This account can be used to retain HCA funding for dental and vision expenses.

BlueEdge VitalitySM has a defined contribution approach to funding retiree health care.

BlueEdge HCA Plan Features

  • Annual funding can be provided in full, or on a semiannual, quarterly or monthly basis.
  • Proration provides the opportunity to adjust funds for new hires and make changes in coverage status and terminations on a semiannual, quarterly or monthly basis.
  • Incentives allow employers to fund the HCA after an employee performs a wellness activity, such as a Health Assessment or annual physical.
  • Account balance maximums allow employers to choose a specific or unlimited dollar amount.
  • Rollovers allow account balances to be used the following year. Employers can cap the amount that accumulates in the account.

Get Started Today

To explore how a BlueEdge HCA plan may help control costs and meet the needs of your clients, contact your BCBSMT representative.


Health reimbursement arrangements (HRAs), including products under our BlueEdge product portfolio, have tax and legal ramifications. BCBSMT does not provide legal or tax advice, and nothing herein should be construed as legal or tax advice. These materials, and any tax-related statements in them, are not intended or written to be used, and cannot be used or relied on, for the purpose of avoiding tax penalties. Tax-related statements, if any, may have been written in connection with the promotion or marketing of the transaction(s) or matter(s) addressed by these materials. You should seek advice based on your particular circumstances from an independent tax advisor regarding the tax consequences of specific health insurance plans or products.