## Networks

## Choose from two networks

Pick between the broadest network of healthcare providers for the most choice, or smaller ones for more savings. All plans include nationwide and worldwide coverage.

[Learn more about small group networks](/employers/small-group-health-plans/networks-small-employers "Networks for small employers")



 

### Aware Network

The Aware® Network offers easy access and the broadest network with the most healthcare providers across the state and is paired with BlueAccessSM products.



 

[View Aware Network plans](/employers/small-group-health-plans/small-group-health-plans-aware-network)

 

 



### High Value Network

The High Value Network is your best choice for quality care at an affordable price with a broad selection of healthcare providers across the state and pairs with High Value products.



 

[High Value Network plans](/employers/small-group-health-plans/small-group-health-plans-high-value-network)

 

 



 

 



 

 

 

## Why choose Blue Cross

## Why choose a Blue Cross small group plan

 

SVG

   
      .cls-1 {
        fill: none;
        stroke: #231f20;
        stroke-linecap: square;
        stroke-miterlimit: 10;
        stroke-width: 2px;
      }
        

 

 

 

### More for your money

Trust that your plan has everything you and your employees need for superior coverage and access to the very best care.



 

 

 



SVG

   
      .cls-1 {
        stroke-linecap: square;
        stroke-miterlimit: 10;
      }

      .cls-1, .cls-2 {
        fill: none;
        stroke: #231f20;
        stroke-width: 2px;
      }

      .cls-2 {
        stroke-linecap: round;
        stroke-linejoin: round;
      }
          

 

 

 

### Peace of mind

Count on exceptional service, from someone who values people more than transactions, to help you every step of the way. No surprises, or we’ll make it right.



 

 

 



SVG

   
      .cls-1, .cls-2 {
        fill: none;
        stroke: #231f20;
        stroke-miterlimit: 10;
        stroke-width: 2px;
      }

      .cls-2 {
        stroke-linecap: square;
      }
       

 

 

 

### Trusted partner

Recognized nationally as the most preferred1 health plan, you can be confident in the plan ranked highest in trust for 16 years in a row.2



 

 

 



 

 



 

## Get flexible options that help control costs

Whether you’re looking for a traditional plan design or options that maximize savings through cost sharing or more focused networks, we offer a variety of health plans to choose from.



 

### Great value at low cost

A variety of options offer flexibility to provide valuable benefits to your employees at a cost to fit your budget.

You and your employees will save with:

- Free preventive care
- Limits on your in network out-of-pocket costs each year



 

 

 



### Coverage where your employees live, work and travel

No matter what state your employees live in, they’ll have the same benefit plan as your Minnesota employees.

Available programs that provide coverage beyond Minnesota and plans that can be purchased for short or long-term international travel.

[Learn about international health plans](/our-plans/international-health-plans "International health plans")



 

 

 



### Convenience

You and your employees can connect with the care and information you want, when you want with:

- Find a doctor and access benefits, claims and health information on our member website
- Online visits with a doctor
- Medications delivered to your door by mail
- No need for a referral to see an in-network specialist



 

 

 



 

 



 

 

 

## Benefits

## Benefits and other plans for small group employers

 

SVG

   
      .cls-1, .cls-2 {
        fill: none;
        stroke: #231f20;
        stroke-miterlimit: 10;
        stroke-width: 2px;
      }

      .cls-2 {
        stroke-linecap: square;
      }
       

 

 

 

### Dental and Vision coverage

Adding low-cost dental and vision coverage not only offers a more comprehensive employee benefits package, but a single carrier reduces paperwork — saving time administering plans.

[View small group dental plans](/employers/small-group-health-plans/small-group-dental-plans "Small group dental plans")

[View small group vision plans](/employers/small-group-health-plans/small-group-vision-plans "Small group vision plans")



 

 

 



SVG

   
      .cls-1, .cls-2 {
        fill: none;
        stroke: #231f20;
        stroke-miterlimit: 10;
        stroke-width: 2px;
      }

      .cls-2 {
        stroke-linecap: square;
      }
       

 

 

 

### Prescription drug coverage

**Pharmacy network**: We use a comprehensive approach to managing your pharmacy benefit for improved care and reduced costs.

**Covered drugs**: The BasicRx formulary included with these plans is a comprehensive list of covered generic and brand-name drugs.



 

 

 



SVG

   
      .cls-1 {
        fill: none;
        stroke: #231f20;
        stroke-linecap: square;
        stroke-miterlimit: 10;
        stroke-width: 2px;
      }
        

 

 

 

### Blue Cross Stability plan

Get predictability plus savings with Blue Cross StabilitySM, a self-insured solution that offers built-in risk protection with fixed monthly costs and the potential for a refund.

[Learn more about Stability](/employers/employer-insights-and-updates/introducing-stability "Introducing Stability")



 

 

 



SVG

   
      .cls-1, .cls-2 {
        fill: none;
        stroke: #231f20;
        stroke-miterlimit: 10;
        stroke-width: 2px;
      }

      .cls-2 {
        stroke-linecap: square;
      }
           

 

 

 

### Group Medicare plans

Choose from a broad portfolio of Group Medicare plan options to fit the needs of your retirees.

- National Network Access
- Flexibility to travel
- Health and wellbeing programs



 

[View Group Medicare plans](/employers/group-medicare)

 

 



 

 



 

       ![](/sites/default/files/styles/3x2_third/public/images/2024-11/iStock-1319763415_web.jpg.webp?itok=HfLDlNk1) 

 

 

### Blue Care Advisor

Blue Care AdvisorSM brings together health, wellbeing, and navigation into one easy-to-use digital resource.

Employees can easily navigate total benefits and receive expert guidance to help them get the care they need to achieve better overall health.



[Discover Blue Care Advisor](/employers/employer-insights-and-updates/introducing-blue-care-advisor)

 

 

 

 

 

 

## Support and resources

       ![Adult shaking hands with another person.](/sites/default/files/styles/3x2_third/public/d15ef8d9-6484-40fe-aef2-c2cee2030917.jpg.webp?itok=N1xCmBHn) 

 

 

### Work with an agent

An agent can guide you through the entire decision-making process, helping you find the best plan for your needs.

[Why work with an agent?](/our-plans/blue-cross-advisors/why-work-health-insurance-agent "Why work with a health insurance agent?")



[Find an agent](https://agentfinder.bluecrossmn.com/)

 

 

 

 

 

SVG

   
      .cls-1 {
        fill: none;
        stroke: #231f20;
        stroke-linecap: square;
        stroke-miterlimit: 10;
        stroke-width: 2px;
      }
          

 

 

 

###  Insights & Updates

Your source for news and insights on the healthcare industry, specific lines of business and the latest updates from Blue Cross.



 

[Get the insights](/employers/insights-and-updates)

 

 

 



SVG

   
      .cls-1, .cls-2 {
        fill: none;
        stroke: #231f20;
        stroke-miterlimit: 10;
        stroke-width: 2px;
      }

      .cls-2 {
        stroke-linecap: square;
      }
          

 

 

 

### Industry updates from Blue Cross in your inbox

Sign up for our e-newsletter to keep tabs on what's new and what's changing.



 

[Sign up](https://info.bluecrossmn.com/employerscontact)

 

 

 



SVG

   
      .cls-1, .cls-2 {
        fill: none;
        stroke: #231f20;
        stroke-miterlimit: 10;
        stroke-width: 2px;
      }

      .cls-2 {
        stroke-linecap: square;
      }
         

 

 

 

### 2025 Plans

Still need a small group plan for 2025?



 

[View 2025 small group plans](/employers/small-group-health-plans/2025-small-group-health-plans)

 

 

 



 

 



 

 

 

Not all providers participate in these group networks.

Each healthcare provider is an independent contractor and not our agent.

Note: Certain third-party payments may not be accepted. [See details](/third-party-payments-premiums-andor-cost-sharing "Third-party payments of premiums and/or cost-sharing").



 



1Individual, Small Group, Large Group data: NAIC enrollment reported for year-end 2021; Self-insured enrollment: EMMA financial statement filings and publicly available information.

2"Is a company I can trust." (online interviews conducted 2014-2025), Brand Strength Measure Survey, Blue Cross Blue Shield Association. "Is a name you can trust." (phone interviews conducted 2010-2013)