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Group #101498
NEtwork BLUE Network

Network C
PDL 10 (Formerly "BCBSNE Standard Formulary")

Which one is right for you? The answer depends on your needs.

One of the most important differences between the two health insurance options is that the employer owns the HRA and you own the HSA. This means you take the HSA when you change jobs. If you have an HRA and change jobs, any remaining amount in an HRA defaults to WoodmenLife.

Additionally, an HSA is a tax-advantaged account that can be used to pay for IRS-defined health care expenses, including long-term care and COBRA premiums.

However, there are many factors to consider. Please consult the chart below to make the best decision for you and your family.


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Health Savings Account

Health Reimbursement Account


$1,600 Associate Only
$3,200 Associate Plus2

$2,000 Associate Only
$4,000 Associate Plus


25% of cost (After Deductible is Met)

30% of cost (After Deductible is Met)

Out-of-pocket Maximum1

$3,200 Associate Only
$6,400 Associate Plus

$4,500 Associate Only
$9,000 Associate Plus

Annual Contribution by WoodmenLife3

$500 Associate Only
$1,000 Associate Plus

$1,000 Associate Only
$2,000 Associate Plus

May I contribute additional funds?

Yes, contributions can be made on a pre-tax basis up to the annual maximum. Contributions can be changed throughout the year.


What is the most I can contribute per year?

For 2023:
$3,850 Associate Only
$7,750 Associate Plus
$1,000 additional for age 55 or older

For 2024:
$4,150 Associate Only
$8,300 Associate Plus
$1,000 additional for age 55 or older


When are funds available?

Funds are available as they are added to the account

Full fund allocation for the year is available as early as Jan. 1

How do I access funds in my account?

Funds are accessed via debit card, request for reimbursement or request to have payment sent

Request reimbursement from account

What can account funds be used for?

Can be used for medical, dental, vision and federally-approved over-the-counter items.

Can be used for second half of medical deductible expenses

What happens to remaining funds at the end of the year?

100% available the following year

50% rollover available if enrolled in the Select HRA the following year

What am I financially responsible for?

Full out-of-pocket payment on all services and prescriptions until deductible is met, then coinsurance until out-of-pocket maximum is met

No payments after reaching annual out-of-pocket maximum

Co-pays for doctors visits, prescriptions, urgent care, and emergency room visits

Full out-of-pocket payment on hospital stays, outpatient procedures, labs, X-rays until deductible is met, then coinsurance until out-of-pocket maximum is met

No payments after reaching annual out-of-pocket maximum

Can I use this plan with a Health FSA?

Yes, but only for dental and vision expenses
View eligible expenses

Yes, for medical, dental, vision, and federally approved over-the-counter items.


Lowering Premiums






BCBSNE Tools and Resources

  • Find a Doctor

  • Rx Benefits

  • Cost Estimator

  • Telehealth

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Check out more details of each account.

HRA Details

Ready to Enroll?


  1. For In-Network Expenses

  2. Associate Plus means Associate + Child(ren), Associate + Spouse or Associate + Family

  3. For Associates not enrolled for the entire year, WoodmenLife's contribution will be prorated based on the coverage start date.

Life Insurance

Retirement Plans


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Our Mission

Uniting hardworking Americans to secure their financial future while strengthening our communities and country.

The information on this page is a partial description of benefits, limitations, exclusions, and other provisions of the group benefits provided by Woodmen of the World Life Insurance Society (WoodmenLife). If there is a difference between the information in this summary and the plan document for each plan, the plan documents govern. Eligibility requirements apply to each of the benefits offered, criteria may include employment status and/or individual qualifications. For more detailed information, refer to the Summary Plan Description of each plan. WoodmenLife may amend these plans at any time. The description of the plan is not a guarantee of benefits and should not be construed as such.

This is the Life is a registered service mark of Woodmen of the World Life Insurance Society.

This is a solicitation of insurance and an agent/producer may contact you.

WoodmenLife Medicare Supplement plans are not connected with or endorsed by the U.S. government or the federal Medicare program.

NOTE: In some states, Medicare Supplement certificates (all plans in CO) are available to those eligible for Medicare due to a disability, regardless of age.

Securities are offered through Woodmen Financial Services, Inc. (WFS), 1700 Farnam Street, Omaha, NE 68102, member FINRA/SIPC, a wholly owned subsidiary of Woodmen of the World Life Insurance Society (collectively “WoodmenLife”). Securities other than the WoodmenLife Variable Annuity are issued by companies that are not affiliated with WoodmenLife. This material is intended for general use with the public. WFS is not providing investment advice for any individual or any individual situation, and you should not look to this material for any investment advice. WFS has financial interests that are served by the sale of these products or services.

WoodmenLife Extras are available to members. An individual becomes a member by joining our shared commitment to family, community and country, and by purchasing a product. These extras are not contractual, are subject to change and have specific eligibility requirements, such as length of membership, number of qualifying members in household and/or qualifying event.

Check out the background of Woodmen Financial Services, Inc. on FINRA’s BrokerCheck.

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A+ Financial Rating

Effective Feb. 1, 2024, WoodmenLife is rated A+ Superior by AM Best for our financial strength and operating performance. For the latest Best’s Credit Rating, access www.ambest.com

International Use

This Site is not intended for access outside of the United States, including those individuals who reside in the European Economic Area (“EEA”). WoodmenLife makes no representation that materials on the Site are appropriate or available for use in locations outside of the United States, and accessing them from territories where their contents are illegal is prohibited. Those who choose to access the Site from outside of the United States do so on their own initiative and are responsible for compliance with local laws.

Ratings & Awards

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This company was issued a secure rating by the A.M. Best A+ Superior Company

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WoodmenLife is a proud member of American Fraternal Alliance

© 2024 Woodmen of the World Life Insurance Society
Omaha, Nebraska