Medical

The HDHP HSA medical plan is designed to help protect you and your covered dependents against financial loss by paying for a substantial portion of eligible expenses incurred for medically necessary care and treatment.

The medical plan is insured by Blue Cross of Idaho (BCI).

  • If you enroll for coverage within your initial eligibility period, your coverage will be effective on the first day of the month following your date of hire.
  • If you do not enroll for coverage within your initial eligibility period, you may enroll for coverage during the next Open Enrollment period or in accordance with the section titled Making Changes During the Year.

Finding a Medical Provider


Visit bcid.sapphirecareselect.com to find a Medical Provider in your area and follow the steps below:

  1. Choose Network: PPO (Preferred Provider Organization)
  2. Browse by Category: Choose type of service needed or Search for Doctor, Specialty or Location and Treatments or Care by Condition)

Your Cost

Clarity Credit Union and you share the cost of medical coverage. Your cost is generally deducted from your pay on a pretax basis. (Contributions for domestic partners are generally deducted on an after-tax basis, unless otherwise permitted by state or federal law.) Refer to Employee Contributions for the applicable cost.

Sharecare Wellness Program

Blue Cross of ldaho has partnered with Sharecare to help you live your happiest, healthiest and most productive life. All employees who are enrolled in medical coverage are eligible to participate and rewards are based on number of points earned. You have access to wellbeing resources to help keep your mind and body strong - at no cost to you.

Take the first steps now

  1. Visit bcidaho.sharecare.com to register and create a user lD and password.
  2. Take your RealAge Test as guided through the Sharecare platform. (lf you've already registered for Sharecare, simply log in and re-take the RealAge Test.)
  3. Download the Sharecare app to your mobile device or tablet from the App Store or Google Play.
  4. Pursue your best life and earn green days using tools and resources from Sharecare.


The list below outlines ways you can earn points:

  • Download the Sharecare App – 25 Points
  • Complete the RealAge Assessment – 100 Points
  • Complete an annual wellness / preventive exam – 100 Points
  • Get your flu shot (self attest) – 25 Points
  • Complete Quick Start to Quitting Tobacco – 25 Points
  • Watch 2 Physical Activity Related Videos – 25 Points
  • Watch 5 Minute Meditation for Sleep – 25 Points
  • Watch 2 Sleep Videos – 25 Points
  • Watch 5 Minute Morning Meditation – 25 Points
  • Read 2 Health Awareness Articles – 25 Points
  • Participate in a 30-day Challenge (physical activity) – 50 Points
  • Participate in a 30-day Challenge (gratitude) – 50 Points

Points will need to be earned by November 30th in order for us to receive reports and wrap up 2025 rewards.

SmartShopper – Is a tool that allows members to compare in-network locations and be redirected to a cost-effective, incented facility. Members will also earn a share of the overall savings with cash rewards of up to $500.

Sharecare App – Don’t forget to download the mobile Sharecare app to keep track of your goals and benefits.

High Deductible Health Plans (HDHPs) and Health Savings Accounts (HSAs)

If you enroll in the HDHP HSA Plan, you will be given the opportunity to establish an HSA.

If you establish an HSA, the Company will contribute toward the HSA on your behalf in the amount of:

  • $3,200 per year, regardless of your enrollment status (Employee only, Employee + Spouse/DP, Employee + Child(ren) or Employee + Family)
  • For employees hired mid-year, Company HSA contributions are prorated based on your effective date of coverage.

In addition to the Company contributions, you can contribute to the HSA. The total amount contributed to the HSA (Company and employee contributions combined) cannot exceed the IRS allowable amount for the 2025 calendar year of:

  • $4,300 for individual coverage; or
  • $8,550 for family coverage.

If you are age 55 or older you can also make catch-up contributions of $1,000 per year, in accordance with federal regulations. In deciding your HSA contribution amount, be sure to keep in mind your medical plan’s premium, deductible and out-of-pocket maximum. You can start, stop or change your HSA contribution amount at any time. Changes are applied to your remaining pay periods in the current year.

Once you have enrolled in the HDHP HSA plan, you should open your account by visiting HealthEquity.com. Once your account is open, HealthEquity will mail you a welcome packet and your debit card. You can then use your new card to access your HSA funds. You will be permitted to use your account dollars now or in retirement to pay for eligible medical, prescription drug, dental and vision expenses, including those not normally covered by your medical plan.

HSAs are fully portable. This means that if you terminate employment, the money is yours and stays in your account until you use it or close the account. You can continue to contribute up to the maximum amount each year, as long as you remain eligible and enrolled in a qualified HDHP.

In subsequent years, if you decide not to enroll in a qualified HDHP, you can continue to use your HSA for qualified medical expenses, but you will no longer be able to contribute to the HSA.

Summary of Medical Plan Provisions

The Employee Benefits Guide summarizes the key features of the medical plans available to you and your dependents.