HealthyBlue 2.0/HealthyBlue Advantage Member ... - CareFirst

HSA and HRA PlansWho’s eligible to participate in an HSA?To be eligible to enroll in a Health Savings Account,you must be covered one of the HealthyBlue HSAcompatible high deductible health plans (HDHPs).To enroll in a health savings account youcannot be:➤ Covered by any medical plan other than anIRS-qualified high deductible health plan(dental and vision are not included in thisrestriction).➤ Enrolled in Medicare Part A or Part B.➤ Claimed as a dependent on anotherindividual’s tax return.How can I track my health benefits?The more you know, the better you can manageyour health care needs. With HealthyBlueAdvantage, you can tap into the power of theInternet to help you manage your benefits.CareFirst online tools, available atwww.carefirst.com, allow you to:➤ Keep track of your HSA balance if you are agroup member and have a BlueFund HSA➤ Check the status of a claim➤ Compare hospitals➤ Compare prescription drug costs➤ Request a member ID card➤ Confirm or review eligibility➤ Find a doctor➤ Access health and wellness informationYour HSA funds are available to pay forqualified health care expenses covered under yourCareFirst BlueChoice HealthyBlue coverage.What is the definition of a “QualifiedMedical Expense”?Qualified expenses are those permitted by Section213(d) of the Internal Revenue Tax Code andthat are otherwise permissible under the IRSregulations. When you use the account to pay forqualified expenses, you pay with tax-free dollars.Qualified expenses include but are not limited to:➤ Prescription Drugs➤ Non-Prescription Drugs that are prescribed byyour doctor➤ Doctor’s visits, lab, X-ray and other diagnosticand treatment services➤ Routine health care, including prenatalcare, smoking cessation, obesity weight lossprograms➤ Qualified long-term care services andqualified long-term care insurance➤ COBRA premiums➤ Health insurance for those on unemploymentcompensation➤ Medicare Part A and B premiums, MedicareHMO or Medicare Advantage premiums (butnot premiums for Medicare Supplementalpolicies)For a complete list of qualified andunqualified HSA expenses, visit theIRS web site at:www.IRS.gov orcall (800) 829-3676Please Note: HSA funds can also be spent onqualified expenses that are not covered by yourHealthyBlue plan. These expenses will not beapplied toward your benefit year deductible. Onlycovered expenses will be applied toward your benefityear deductible.34HealthyBlue Member Handbook