Data on Consumer-Directed Care

Blues Plan

CDH Product Overview

Client Profiles:

HRA-Based Plan Employer Clients/ Enrollment

HSA Administrator

Arkansas Blue Cross Blue Shield

Blue-by-Design: HRA- and HSA-qualified high-deductible health plans (HDHPs) HRA Blue is the company's self-funded HRA-based product.

Available to group and individual clients.

1,991 lives as of April 2007.

Enrollment: 11,517 group lives and 4,804 individual lives as of April 2007.

HSA Administrator: HSAdministrator and Select Data Service Administrators — a company subsidiary.

HSA Partners: Vanguard, Blue Healthcare Bank, HSA Bank

Blue Cross and Blue Shield of Alabama

HSA-qualified HDHPs and HRA-based plans.

CDH plans available to large employers.

N/A.

Enrollment: Not available.

HSA Partner: Mellon Financial Corp.

Blue Cross Blue Shield of Arizona

BluePreferred Saver: Qualified HDHPs designed for pairing with an HSA. Multiple deductible and coinsurance options.

Available to group and individual clients.

N/A.

Enrollment: 9,933 individuals, 14,424 lives covered through group plans (as of May 2007).

HSA Partner: HSA Bank.

Blue Cross and Blue Shield of Florida

HRA-based plans for fully insured and self-funded groups. HSA/HDHP for groups and individuals.

HRA available for small- and large-group markets.

HSA/HDHP available to individuals and groups.

• 64 clients.

• 5,358 enrollees.

Enrollment: 4,577 HSA clients with 80,924 members.

HSA Partner: Mellon.

Blue Cross of Idaho

HSA Blue PPO is an HSA-qualified HDHP.

HSA Blue PPO for groups and individuals. HSA Blue POS for all groups.

N/A.

Enrollment: 11,237 lives, of which 1,721 are group members and 9,516 are individual members.

Blue Cross and Blue Shield of Louisiana

BlueSaver is an HDHP that can be paired with an HSA or HRA.

Available to individual and group clients. Average group has 19 employees.

N/A.

Enrollment: 148,545 in BlueSaver HDHP (80,478 individual members and 68,067 group enrollees).

HSA Partner: The Bancorp Bank.

Blue Cross and Blue Shield of Kansas

Blue by Design offers health plans that are compatible with HSAs and HRAs.

HRA-based plans are available in small- and large-group markets. HDHP available for individuals and all group markets.

Data not available.

Enrollment: Data not available. HSA Partner: MII Life.

Blue Cross and Blue Shield of Kansas City

BlueSaver is an HSA-qualified HDHP.

Available to large groups, small groups and individuals.

N/A.

Enrollment: 4,600.

HSA Partner: Wells Fargo Health Benefit Services.

Blue Cross Blue Shield of Massachusetts

HMO Blue with Deductible, Blue Care Elect with Deductible, and HMO Blue Preferences include an HRA.

HRA-based plan available to all groups including self-employed. Non-group and group HSA-compatible plans launched in 2005.

59,750 lives.

Enrollment: 7,000.

HSA Partner: Wells Fargo.

Blue Cross Blue Shield of Michigan

Flexible Blue offers PPO benefit plan options that are designed for use with HSAs and HRAs.

Available to fully insured and self-funded groups of all sizes. A product for individuals is under consideration.

14,000 members as of December 2006.

Enrollment: 70,000 as of December 2006.

HSA Partner: Wells Fargo.

Blue Cross and Blue Shield of Minnesota

Options Blue HRA pairs a high-deductible PPO with an HRA. Options Blue HSA available to individuals and employers of all sizes.

Employers of all sizes.

84,139 lives as of Jan. 1.

Enrollment: 125,175 as of Jan. 1.

HSA Partner:  SelectAccount, an affiliate company. Investment options available through Charles Schwab.

Blue Cross Blue Shield of Montana

HSA-qualified HDHPs and HRA-compatible plans.

All group sizes and individuals.

Approximately 1,000 members in HRA compatible plans.

Enrollment: 3,337 individual contracts and 1,316 group contracts.

HSA Partner: Not yet announced.

Blue Cross and Blue Shield of North Carolina

CDHP Blue: Portfolio includes BlueOptions HRA, Fixed Contribution HRA and BlueOptions HSA-qualified HDHP.

BlueOptions HRA and Fixed Contribution HRA available for employer groups with 100+ employees. BlueOptions HSA available for all group sizes and individuals.

46,000 enrollees in Fixed Contribution and BlueOptions plans.

Enrollment: 30,000 covered lives.

HSA Partner: Mellon.

Blue Cross of Northeastern Pennsylvania

HRA-based plans available through third-party administrator subsidiary, Erin Group Administrators (EGA). 

Aimed at the group market.

Approximately 3,007 enrollees through EGA.

Enrollment: 197 enrolled through BCNEPA; EGA enrollment N/A.

HSA Partner: Not yet announced.

Blue Cross & Blue Shield of Rhode Island

HSA-compatible HDHP launched Oct. 1, 2005.

Available to fully insured and self-funded groups of all sizes.

Data not available.

Enrollment: 8,375 as of December 2006.

HSA Partner: Wells Fargo.

BlueCross BlueShield of South Carolina

CDH portfolio includes HRA- and HSA-based plans available to fully and self-insured employers.

Blue-by-Design (HRA) available to employers with 50+ employees as dual option or full replacement with administrative services only (ASO) or fully insured funding.

35,185 members.

Enrollment: More than 2,475 groups with approximately 56,468 enrollees.

HSA Partner: HSA Bank, Blue Healthcare Bank.

Blue Cross Blue Shield of Tennessee

HRA-compatible product available to all self-funded groups and to fully insured groups of at least 26.

HDHPs available since Aug. 1, 2004, for individuals and Oct. 1, 2004, for small and large groups.

5,937 enrollees.

Enrollment: 56,493.

HSA Partners: Wells Fargo and First Horizon MSAver.

Blue Cross and Blue Shield of Vermont and The Vermont Health Plan (affiliated HMO)

Blue Care Account is an HRA-based plan. HSA Blue indemnity products are available to small and large employers. HSA BlueCare HMO products are available to small and large employers.

HSA Blue and HSA Blue Care available to self-employed and traditional small-group and large-group employers on a fully insured or self-funded basis.

• 18 clients.

• 625 enrollees.

Enrollment: More than 3,800 employer clients, and 28,700 enrollees.

HSA Partners: Chittenden Bank, First HSA, Inc. and TD Banknorth. 

Blue Cross Blue Shield of Wyoming

Qualified HDHPs designed for pairing with an HSA. Multiple deductible and coinsurance options.

HRA available for small- and large-group markets.

HSA/HDHP available to individuals and groups.

2,746 enrollees.

Enrollment: 4,778 lives.

Blue Shield of California

High-deductible PPO plans compatible with HSAs and HRAs.

HDHPs offered to individual and group markets.  

Not available.

Enrollment: 125,364 as of June 2007.

HSA Administrator: Wells Fargo.

Capital BlueCross

Stand-alone high-deductible PPO plans and HSA/HRA-compatible high-deductible PPO plans.

HDHPs available for groups of 2 to 100 employees.

HRAs available for groups with at least 50 employees and can be paired with any group health plan.

Enrollment data not available.

Employers have complete flexibility to select any HSA trustee or administrator.

CareFirst BlueCross BlueShield

(Includes Blues plans in Maryland, Virginia and Washington, D.C.

HSA-qualified HDHP and HRA-based plans.

Individuals and group businesses of all sizes.

Combined enrollment for individual, local group and national business: • 53,545 contracts. • 100,900 members.

HSA Partners: The Bancorp Bank, PFPC, Mellon Bank and HSA Bank.

Hawaii Medical Service Association   

CDH plan for state employees effective July 1, 2007; for selected employers effective Jan. 1, 2008.

Individual plans currently and employer groups of all sizes in the future (will require approval from the state).

To be effective in 2008.

Enrollment: Individual plan only: 540 members.

HSA Partner: The Bancorp Bank.

Health Care Service Corporation

(Includes Blues plans in Illinois, New Mexico, Oklahoma and Texas)

BlueEdge HCA pairs a high-deductible PPO with an HRA. BlueEdge HSA combines an HDHP with an HSA. BlueEdge Wellness Rewards HCA rewards members for healthy behaviors. BlueEdge Vitality HCA is a retirement option HRA. BlueEdge Limited Purpose HCA is a limited-purpose HRA paired with an HSA.

BlueEdge HCA available to employers with 51 or more employees on a self-funded or fully insured basis. Blue Edge HSA available to employers with 2 or more employees and to individuals. BlueEdge Wellness Rewards HCA, Vitality and Limited Purpose HCA are available for 151+ fully insured custom or self- insured groups.

• 227 employer groups including BlueEdge HCA, Wellness Rewards HCA, and Vitality HCA.

• 192,984 covered lives.

Group-market enrollment: 8,736 clients and 197,287 covered lives. Individual enrollment: 29,619 lives.

HSA Administrator: Mellon Bank is the HSA administrator for Illinois, Texas and New Mexico. HSA Bank is HSA trustee for the Oklahoma Blues plan. HSA Bank is available for Illinois, Texas and New Mexico for Jan. 1, 2008.

Highmark Inc.

(Highmark Blue Cross Blue Shield and Highmark Blue Shield)

BlueAccount combines a high-deductible PPO with an employer-funded HRA or an HSA on an integrated account basis.  

Available to individuals and employers of all sizes.

• 27 clients.

• 6,000 covered lives as of June 1.

Enrollment: 2,000 HDHP clients, 45,000 covered lives as of June 1.

HSA Partner: PFPC, a PNC Financial Services Inc. company.

Independence Blue Cross

BlueSaver HRAs can be paired with Keystone Health Plan East HMO, point-of-service plans, or Personal Choice PPO, as well as other HDHPs. BlueSaver HSAs can be paired with Personal Choice.

HRA products available to employers with 100+ employees on a self-funded and fully funded basis. HSAs/HDHPs available to groups with at least 2 employees. 

2,970 enrollees.

Enrollment: 8,890 enrollees.

HSA Partner: Bancorp Bank.

Premera Blue Cross (Includes Blues plans in Washington and Alaska)

HRAs and HSAs paired with a variety of appropriate benefit plans.

HSA-qualified HDHPs for individuals and groups. HRA-based plans available to employers with 51+ members.

Combined with HSA/HDHP enrollment.

Enrollment: More than 59,000 lives enrolled in HSA- or HRA-based plans as of June 2007 (total includes Premera affiliates)

HSA Partners: HSA Bank and Blue Healthcare Bank (date uncertain).

The Regence Group(Includes Blues plans in Idaho, Oregon, Utah and Washington.)

Regence HSA is a qualified HDHP ($1,500 to $3,500 deductible).

Individuals and all group markets.

656 members enrolled in a plan that includes an HRA

Enrollment: 182,597 lives enrolled in an HDHP or similar account-based plan. HSA Partners: Wells Fargo and HSA Bank; Blue Healthcare Bank in mid-2007.

WellPoint, Inc.

(Includes Blues plans in California, Colorado, Connecticut, Georgia, Indiana, Kentucky, Maine, Missouri, Nevada, New Hampshire, New York, Ohio, Virginia and Wisconsin.)

Lumenos, a division of WellPoint, offers HSA- and HRA-based plans. Anthem ByDesign Portfolio offers integrated HRA- and HSA-based plans. PowerHealth Fund is an integrated HRA and HSA available in Calif., Mo., Wis. and Ga.

National offerings available through Lumenos. Anthem ByDesign and PowerHealth Fund available for small to national accounts. HSA product available for employers of all sizes and individuals.

Combined enrollment in HRA- and HSA-based plans is 1.2 million as of June 30.

Enrollment: Combined with HRA enrollment.

HSA Partner: JPMorgan Chase (WellPoint) and Mellon.

Wellmark Blue Cross and Blue Shield of Iowa and Wellmark Blue Cross and Blue Shield of South Dakota

Blue Priority HSA combines HDHP in PPO network with an HSA. HRAs are available for larger employers and can be combined with any type of plan, typically one with a deductible of $1,000 or more.

All markets, large groups, small groups and the individual market.

Combined enrollment in HRA- and HSA-based plans is 35,000 as of Jan. 1.

Combined enrollment in HRA- and HSA-based plans is 35,000 as of Jan. 1.

HSA Partner: First Horizon Msaver.

N/A= Not applicable

Editor's note: Unless otherwise noted, all data are as of July 1.

SOURCE AND METHODOLOGY: Based on enrollment data provided by Blues plan officials and compiled by ICDC.