What's Inside: VirtualCare and the Capital Blue Cross app | The value of dental coverage | Five ways an employer can help an employee with aphasia | Increased minimum deductible and maximum OOP limits for 2025 QHDHPs
VirtualCare will be available through the Capital Blue Cross app
The Capital Blue Cross app houses everything your employees need to access their health plan, including a digital ID card.
And starting at the end of June, they can also use the app for VirtualCare. VirtualCare is a telehealth service that puts your employees in contact with a doctor 24 hours a day, seven days a week, every day of the year, no matter where they are.
Middle of the night fever? Doctor's office closed? Away on vacation? Not a worry with the Capital Blue Cross app and VirtualCare. It doesn't stop there: they can also see psychiatrists, therapists, and dietitians.
By the end of June, the Capital Blue Cross app and employees' secure accounts will be the only way they can access VirtualCare, so spread the word and encourage your employees to download the Capital Blue Cross app today.
The value of dental coverage
Brushing, flossing, and getting routine dental checkups can do more than brighten our smile. A growing body of research shows they can improve our overall health and reduce our chances of life-threatening medical conditions like heart disease and cancer.
For businesses, this means that offering employees dental coverage — and encouraging them to use it — can lead to a healthier workforce far beyond their teeth and gums. Capital Blue Cross Dental uses a dual approach to encourage employees in its group plans to make the most of their dental coverage. First, we offer plans with low or no member cost-sharing for diagnostic and preventive services. Capital also includes enhanced dental benefits to treat gum disease for members with certain chronic health conditions. The enhanced dental benefits are available on most dental plans.
Next, to encourage use of the dental benefits, Capital engages in ongoing communication and education about its dental plans. For employer group customers, Capital can provide a dental wellness awareness toolkit with resources that explain the benefits of oral wellness.
For those who cannot easily fit a dental visit into their busy schedules, Capital even offers DigiBite, a teledentistry app that provides convenient access to licensed dentists without an office visit. DigiBite can be downloaded to smartphones or tablets and provides consultations, second opinions, and follow-up care.
If you don't already have Capital Blue Cross Dental coverage for your employees, learn more about the great benefits of adding dental coverage or reach out to your producer or Capital Blue Cross account executive.
Capital Blue Cross Dental℠ is issued by Capital Advantage Assurance Company®, a subsidiary of Capital Blue Cross.
DigiBite may not be available in all 50 states or available on all plans. DigiBite is an independent company whose products and services are not Capital Blue Cross products and services.
Five ways an employer can help an employee with aphasia
Many well-known people, from actors Bruce Willis and Sharon Stone to U.S. Sen. John Fetterman, live with aphasia. Strokes or brain injuries leave a million Americans struggling to properly process language. But their intellect is not impacted, and employers can make modifications to help.
Capital ensures that all of our 2025 standard QHDHP’s cost-sharing amounts meet these new requirements. For employers with customized plans, your deductibles may need to be increased at your 2025 renewal if your 2024 deductibles fall below these new minimums.
Also, the maximum OOP limit under the Affordable Care Act has decreased from $9,450 in 2024 to $9,200 in 2025. This may require a 2025 decrease in any customized OOP amounts to ensure that no individual member is required to meet more than $9,200 of in-network OOP expenses.
If your group offers Health Savings Accounts (HSAs), the IRS has adjusted those contributions for 2025 as well.
HSA plan type
Maximum contribution
Individual coverage
$4,300
Family coverage
$8,550
Catch-up contributions allowed for those 55-years of age and over
$1,000 (same as 2024)
Note that these maximums include contributions from all sources, including both employee and employer contributions.
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Capital Blue Cross is an independent licensee of the Blue Cross Blue Shield Association serving 21 counties in Central Pennsylvania and the Lehigh Valley. Communications issued by Capital Blue Cross in its capacity as administrator of programs.
