Your PersonalBlue plan will cover your healthcare needs.
- The first part of your PersonalBlue plan is called a PCA. Your employer adds funds to this account each year. Those funds are used to pay for covered healthcare expenses.
- After the funds in your PCA have been used, you will be responsible for a certain amount of your healthcare costs until your deductible amount has been met. You do have the benefit of the negotiated prices for healthcare from network providers, but you will pay for all of the healthcare until your individual or family deductible is met.
Note: Your PCA and individual or family deductible make up the total plan deductible amount. This is the amount that you will see referenced in your Explanation of Benefits (EOB).
- Once your PCA funds are exhausted and the remainder of your deductible has been met, your health insurance plan will start paying. A majority of in-network expenses will be covered by your health insurance plan. You will be responsible for the coinsurance. Once your out-of-pocket maximum has been met, your health insurance plan pays 100% of your covered expenses.