Help choosing a plan
Consider these factors when choosing the right plan for you and your employees.
Networks
Want to lower your monthly rate? Choose a plan with the Blue Performance network.
Want to give your employees the broadest access to doctors and hospitals at the lowest out-of-pocket cost? Choose the Aware network.
Deductibles
How much do you want your employees to pay before their health care coverage kicks in? Usually the higher the deductible, the lower your monthly rate.
Copays
Does the plan require copays or specialty provider copays – a higher copay to see a specialist?
Up-front benefits
Does the plan offer up-front benefits before your employees need to meet their deductible? Some plans give free* office visits, urgent care visits and/or retail health clinic visits, including Aware Gold
and Tri-Blue
.
Coinsurance
Want to lower your monthly rate? Choose a plan with higher coinsurance, like 20 percent.
Out-of-pocket maximums
What is the maximum you want your employees paying for health care costs each year?
Prescription drug coverage
How does the plan cover generic drugs and brand-name drugs? Do prescription drug costs count toward your employees’ deductible?
Out-of-state coverage
Blue Cross covers you at more than 80 percent of physicians and 90 percent of hospitals in the United States with the BlueCard network. And you have access to doctors and hospitals in more than 200 countries with the BlueCard Worldwide network.
Health savings accounts
Options Blue HSA plans
offer tax advantages with health savings accounts.
*Included in the price of the health plan.