| Horizon MyWay HSA and Horizon MyWay HRA — the next generation of consumer-directed health plans from Horizon Blue Cross Blue Shield of New Jersey — are designed to give both you and your patients more affordable and more manageable health care options.
Horizon MyWay lets your patients tailor our plans to meet specific budget and benefit needs. That helps them manage their health care plans more efficiently and obtain valuable coverage that meets their individual health care needs. Plus, Horizon MyWay comes with the single largest network in the industry, with more than 625,000 physicians and 6,100 hospitals. Patients choosing Horizon MyWay plans enjoy the security of Blue Cross and Blue Shield and the stability of Horizon BCBSNJ's more than 70-year history of Making Healthcare Work®.
And you can be confident that both you and your patients benefit from the very best and most state-of-the-art health care plans.
Horizon MyWay consists of three options: MyWay HSA, MyWay HRA and MyWay FSA.
Horizon MyWay HSA combines our high-deductible PPO or Direct Access plans with a Health Savings Account. Contributions to an HSA can be made in three ways: by the employer, employee, or both. Contributed funds can be either tax free or tax deductible.
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Horizon MyWay HRA combines our high-deductible PPO or Direct Access plans with a Health Reimbursement Arrangement. HRAs are employer-funded accounts that your patients can use for qualified medical expenses, including deductibles. The employer owns the HRA, and therefore, can select which IRS-eligible expenses will be reimbursed.
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Horizon MyWay FSA (Flexible Spending Account) is a convenient before-tax way for your patients to pay for eligible out-of-pocket health care expenses. Vision, Dental, Transit and Parking FSAs are available through Horizon BCBSNJ, in addition to Medical.
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