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Personal Choice PPO Bronze Reserve Plan With an HSA

Our Personal Choice® PPO Bronze Reserve plan works like other PPO health plans in that you get both in- and out-of-network coverage and you can see any doctor or specialist without a referral. But with the PPO Bronze Reserve plan, you can set aside money in a tax-advantaged health savings account (HSA) for any qualified medical expenses you may have. This money can be used for copays, deductibles, and coinsurance for health services. It can even be used for copays, deductibles, and coinsurance for health services. It can even be used to pay for some health services that may not be covered by your plan, such as LASIK surgery. And you don’t need to worry about using all of your HSA dollars during the plan year. Any leftover money rolls over each year to pay for future qualified medical expenses.

Is a PPO Reserve Plan with an HSA the Right Plan For You?

A PPO Reserve plan with an HSA may be the best health plan for you and your family if you live within one of these five counties and want to save money on current and future (after the current plan year) health care expenses. These types of health insurance plans allow you to spend your health care dollars on qualified medical expenses — tax-free.

How Personal Choice PPO Bronze Reserve Saves You Money

HSA plans are more affordable than many other health plans, so you save money on your monthly premiums. Plus, you can save even more by investing in a tax-advantaged account that earns interest. Any taxes you pay on the money you contributed to the HSA will be returned to you when you file your annual taxes. Plus, you don’t have to pay taxes on the money you take out for qualified medical expenses or any interest you earn on the account.

Benefits of an HSA

  • Use the money you save to make tax-deductible HSA contributions
  • Take tax-free withdrawals to pay for qualified medical expenses
  • Save for future health care expenses

Plan Name


Primary Care Physician Visit



Generic Prescription Drugs

Personal Choice PPO Bronze Reserve


0% after deductible

0% after deductible

0% after deductible

0% after deductible (integrated with medical deductible)

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Open an HSA

Through Independence, you can set up an integrated HSA or you can set up an HSA with another vendor. When opening an HSA through Independence, you can easily set up your account, view your activity, and even pay in-network providers through It’s easy to set up an HSA — simply create an account at after you enroll in the PPO Reserve plan. Once you are logged in, click on Claims & Spending tab and select Open a Health Savings Account under I want to. Once your information has been processed, you will receive a welcome kit and a separate HSA Visa debit card in the mail.

HSA advantages:

  • Convenient account management through
  • Easy claim payment and reimbursement process for qualified out-of-pocket expenses through
  • An HSA Visa debit card that can be used to pay for medical expenses directly from the spending account
  • Direct contributions can be transferred online
  • An interest-bearing account that allows you access to a wide variety of industry-leading investment options to help you maximize savings year after year
  • Once your balance reaches $500, you can invest any portion of the balance above that level


Additional information

Review important information to get a better understanding of our individual and family health insurance policies and guidelines and the steps Independence Blue Cross takes to help you receive appropriate covered services.