Employee Benefits

  1. BCBS Health Savings Account
  2. BCBS Preferred PPO
  3. Dental
  4. Disability
  5. Flexible Spending Accounts
  6. Holidays
  7. Life
  8. Retirement Plan
  9. Sick Time
  10. Tuition Assistance
  11. Vacation
  12. Vision
Blue Cross Blue Shied Health Savings Account
The 2nd option is a BCBS Health Savings Account (HSA). An HSA is a consumer-owned, tax-advantaged savings account, created to pay medical expenses, that is combined with a High Deductible Plan. An HSA allows you tax-free contributions, tax-free growth of interest, tax-free disbursement of principal and interest to pay for qualified medical expenses, accumulation (rollover) of unused funds and portability between employers, flexible use, you choose whether or when to use the account for health expenses, now or after employment.

The Town of Fountain Hills pays 100% of the employee premium and 50% of any dependent premium. The difference between the employer paid PPO premiums and the HSA premiums is deposited into the employee’s Health Savings Account.

Medical Benefits BCBS HSA Plan
In-Network
BCBS HSA Plan
Out-of-Network
Deductible $3,000 Individual, $6,000 Family $3,000 Individual, $6,000 Family
Coinsurance 100%* 50%*
Out-of-Pocket Maximum $3,000 Individual
$6,000 Family (Includes Deductible)
$10,000 Individual
$20,000 Family (Includes Deductible)
Inpatient Hospital 100%* 50%*
Outpatient Surgery 100%* 50%*
Office Visit Co-pay 100%* 50%*
Lab / X-ray
MRI, CAT, etc.
100%*
100%*
50%*
50%*
Emergency Room
Urgent Care
100%*
100%*
100%*
50%*
Mental / Nervous
In-patient
Out-patient
100%* / No Visit Limit
100%* / No Visit Limit
50%* / No Visit Limit
50%* / No Visit Limit
Alcohol / Drug
In-patient
Out-patient
100%* / No Visit Limit
100%* / No Visit Limit
50%* / No Visit Limit
50%* / No Visit LImit
Prescription 100%* 50%* + difference between pharmacy's price and allowed amount
Wellness 100% - No deductible Not covered except mammograms at 100% of allowed amount
Vision Discounts Only Not Covered
Chiropractic 100%* 50%*
Lifetime Maximum N/A N/A
Pre-existing 6/12 6/12

*After Deductible *After Deductible