Group Ancillary Programs

Group Ancillary Programs

Consumer Directed Health Plans (CDHP)/Cafeteria Plan

Blue Cross of Idaho offers the following CDHP options through HealthEquity. For more information, contact your local district office or HealthEquity toll free at 866-346-5800.

  • Health Care Flexible Spending Arrangement (FSA)
    The Health Care Flexible Spending Arrangement (FSA) is an employer-sponsored benefit under Section 125 of the Internal Revenue Code. This section allows employees to be reimbursed for medical expenses. FSAs are funded on a pre-tax basis through payroll deduction to pay out-of-pocket medical expenses.

    Employers may offer health care FSAs in conjunction with other employer-provided benefits as part of a cafeteria plan. Also, employers have the flexibility to offer various combinations of benefits when designing their plan. An employee is not required to have healthcare coverage to participate.
  • Dependent Care Flexible Spending Account (DCFSA)
    A Dependent Care Flexible Spending Account (DCFSA) is an employer-sponsored benefit under section 125 of the Internal Revenue Code. This section also allows an employee to receive reimbursement for specific dependent care expenses. DCFSAs are funded through payroll deductions on a pre-tax basis.
  • Health Reimbursement Arrangements (HRA)
    An HRA is an employer-funded program under Section 105 of the Internal Revenue Code. Employees receive tax-free reimbursement for qualified medical expenses up to a maximum dollar amount per coverage period. Employees may carry forward any unused amounts in the HRA for reimbursement in later years.
  • Health Savings Accounts (HSA)
    HSAs are one of the most popular health insurance financial products on the market today. Combined with a high deductible health plan (HDHP), HSAs are a tool employers can use to lower healthcare costs. One of the greatest advantages of an HSA is that the individual owns the account. Money that is not spent in a given year is held in an interest-bearing, tax-deferred account so employees can save for future medical expenses, invest for retirement expenses or pay for long-term care expenses. The individual maintains and controls funds deposited into this account. This encourages employees to be active consumers in their healthcare spending. The employer, employee or both may contribute funds to the HSA account.

Employee Assistance Program (EAP)

Blue Cross of Idaho provides EAP plans through two program administrators. BPA Health (BPA) is the preferred vendor for groups with 2 to 200 employees and is available by quote for groups of 200+ employees. We also offer EAP through ComPsych for groups 201 and above.The EAP benefit provides access to professional face-to-face counseling that can help employees through many emotional and personal situations including alcohol and drug abuse, marriage and family issues, stress, anger management and job-related issues. The program also includes legal, financial, identity recovery and work-life services to assist employees with day-to-day issues.

Under the legal portion of the benefit, employees have access to free 30-minute legal consultations from an attorney over the phone. If the employee prefers an in-person consultation, the service refers them to an attorney with the appropriate expertise. Employees requiring ongoing legal services from their referred attorney receive a discount on hourly attorney fees.

Employees in need of financial advice have access to a variety of online and telephone resources including a toll-free information line staffed by financial counselors, certified consumer credit counselors, bankruptcy prevention specialists, and homeowner’s education/assistance.

Group EAP rates depend on the number of visits the group selects, ranging from one to three visits per incident, per year up to one to 10 visits per incident, per year. For more information, please contact your local Blue Cross of Idaho district office.

Life Insurance

We partner with USAble to offer an integrated term life insurance and accidental death and dismemberment (AD&D) option to groups with two to 20 employees. For more information about the small group integrated plan, please contact your local Blue Cross of Idaho district office.

USAble is not an affiliate of Blue Cross of Idaho.

Nurse Advice Line

A 24-hour nurse advice line is available as a buy-up option for groups with 51 or more employees. The program is included for no additional cost to group benefit plans of two to 50 employees.

Members can talk to a registered nurse any time to make informed health decisions. The Nurse Advice Line can help determine when to call the doctor or go to the emergency room. Also, our trained nurses provide information about medications, medical tests/procedures and help a member find ways to talk more effectively with their healthcare provider.

Get more information about the Nurse Advice Line or contact your local Blue Cross of Idaho district office.

Vision Service Plan (VSP)

We work with Vision Service Plan (VSP) to provide vision care benefits to the employees of groups enrolled in our medical plans. There are numerous vision programs to choose from, with varying benefit levels that can be accessed in 12-or 24-month frequencies. A vision benefit is also offered in four of our Medicare supplement programs: Prime 65 plans F, K, M and N.

  • Most group plans offered through VSP include benefits for eye examinations and prescription eyewear. A member may choose glasses (a pair of lenses and frames) or contacts, but whichever type of corrective lenses is selected, the member is not eligible to receive the other type In the same service period.
  • Exam Only plans offer an exam benefit and discounted glasses and/or contacts.
  • Voluntary vision plans are available to groups of three or more eligible employees. There is no participation requirement.

VSP also offers valuable savings on yearly supplies of certain brands of contacts. Members receive preferred prices, even if they use their coverage to purchase glasses. They can visit vsp.com or ask their doctor for details.

In addition to the standard vision plans offered as a buy-up option for employer groups, a pediatric vision plan for dependent children younger than 19 is included in all group and individual qualified health plans. As an essential health benefit, pediatric vision is covered at 100 percent whether or not adult vision is selected.