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2027 Small group health plans with the Aware Network

The Aware® Network is your best choice for easy access to the largest selection of healthcare providers across Minnesota.

Explore your options

Use the decision guide to help you select a network and a plan that meets your needs.

Questions? Give us a call:

1-877-293-7035 (TTY 711)

2027 Decision Guide

Work with an agent

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

Find an agent

Plan overview

Why choose an Aware Network plan?

With the nation’s preferred1 health plan, you get an unmatched nationwide network paired with deep local market understanding to support your changing workforce needs.

Broadest global network

With 98% of doctors and 100% of hospitals in Minnesota, this broad, open-access network makes it easy to get the care you need.

These plans include coverage while traveling outside of Minnesota. When you travel outside the state, you have access to 1.8 million providers nationwide through the national BlueCard® PPO network.

In addition, Blue Cross Blue Shield Global® Core gives you access to care in 190 countries and territories worldwide.

Out-of-pocket costs will be lower when doctors and other medical providers are in-network. Search in-network providers

Choose plan features that meet your needs

Several cost-sharing options at different levels are offered:

  • Gold and platinum plans generally have higher premiums and offer more coverage for your employees
  • Silver and bronze plans generally have lower premiums and offer less coverage for your employees

 

Access to care in 190+

Countries worldwide and spans every U.S. ZIP code

98%

Claims paid in network2

4 — 9%

Lower total cost of care3 with BlueCard®

59%

Average savings4 with Bluecard PPO

Personalized experience

Blue Care Advisor

Drive better outcomes and reduce healthcare spending with dynamic population health insights.

Blue Care AdvisorSM connects employees to everything they need to:

  • Understand and use their plan
  • Find high-quality care
  • Get next best action recommendations
  • Stay on track with health goals
  • Access programs and benefits
  • Review important plan details

Discover Blue Care Advisor

Blue Care Advisor powers better health outcomes: Blue Care Advisor is an all-in-one navigation and care management solution from Blue Cross that makes it easy for members to understand, access and manage their healthcare benefits in one place.

Benefits

Prescription drug coverage

Pharmacy network

These plans include coverage for prescriptions filled at pharmacies in the Classic Pharmacy Network.

Search pharmacy network

Covered drugs (formulary)

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

HSA plans drug list

All other plans drug list

Insulin coverage

For HSA plans, insulins listed on Tier 1 of the covered drug list are covered at zero cost-sharing.

BasicRx HSA preventive drug list

For non-HSA plans, members will pay no more than $25 for a one-month supply for each insulin prescription.

Included benefits and care options

Health and wellbeing support

A full spectrum of integrated solutions to drive better health, including:

  • Case management and wellness coaching
  • Hypertension management program
  • Type 2 diabetes and heart disease prevention program

Health spending accounts

Experience the advantages of your health plan and account administrator working together to give you and your employees a simple and seamless experience.

  • Health savings accounts (HSA)
  • Flexible spending accounts (FSA)
  • Health reimbursement arrangements (HRA)

Dental and vision coverage

Offer a dental or vision plan with a Blue Cross medical plan and you’ll enjoy one seamless experience.

Choose from popular options to protect employees' teeth and eyes.

Search small group dental plans

Search small group vision plans

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Online care

Visit a doctor right on your smartphone, tablet or computer with Doctor On Demand®. Board-certified doctors, psychiatrists and psychologists treat many common conditions.

Learn more about online care
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Online behavioral health therapy

Concerned about substance use, stress, insomnia, depression, social anxiety, panic or resilience? Learn to Live is an online program that’s available anytime to help you work through it.

More about Learn to Live

Plan documents

BlueAccess plans with Aware Network Deductible Benefit summaries  Summaries of benefits & coverage (SBC)

Benefit booklets (coming soon)

Download sample booklet
Bronze
Plan 618 BlueAccess $12,000-0% Bronze $12,000/$24,000 618 Benefit summary 618 SBC 618 Benefit booklet
Plan 624 BlueAccess $8,100-0% HSA Bronze $8,100/$16,200 624 Benefit summary 624 SBC 624 Benefit booklet
Plan 598 BlueAccess $8,700-0% HSA Bronze $8,700/$17,400 598 Benefit summary 598 SBC 598 Benefit booklet
Silver
Plan 563 BlueAccess $3,500-35% HSA Silver $3,500/$7,000 563 Benefit summary 563 SBC 563 Benefit booklet
Plan 623 BlueAccess $3,600-35% Rx Copay Silver $3,600/$7,200 623 Benefit summary 623 SBC 623 Benefit booklet
Plan 625 BlueAccess $3,900-45% Rx Copay Silver $3,900/$7,800 625 Benefit summary 625 SBC 625 Benefit booklet
Plan 627 BlueAccess $4,500-45% Rx Copay Silver $4,500/$9,000 627 Benefit summary 627 SBC 627 Benefit booklet
Plan 626 BlueAccess $4,600-$65-$130-40% Silver $4,600/$9,200 626 Benefit summary 626 SBC 626 Benefit booklet
Plan 582 BlueAccess $5,000-35% Rx Copay Silver $5,000/$10,000 582 benefit summary 582 SBC 582 Benefit booklet
Plan 566 BlueAccess $5,000-10% HSA Silver $5,000/$10,000 566 Benefit summary 566 SBC 566 Benefit booklet
Plan 642 BlueAccess $5,600-0% Non embedded HSA Silver $5,600/$11,200 642 Benefit summary 642 SBC 642 Benefit booklet
Plan 645 BlueAccess $5,900-0% HSA Silver $5,900/$11,800 645 Benefit summary 645 SBC 645 Benefit booklet
Plan 640 BlueAccess $6,400-0% HSA Silver $6,400/$12,800 640 Benefit summary 640 SBC 640 Benefit booklet
Plan 628 BlueAccess $6,900-0% HSA Silver $6,900/$13,800 628 Benefit summary 628 SBC 628 Benefit booklet
Plan 562 BlueAccess $7,500-0% HSA Silver $7,500/$15,000 562 Benefit summary 562 SBC 562 Benefit booklet
Gold
Plan 637 BlueAccess $1,000-$35-$70-35% Gold $1,000/$2,000 637 Benefit summary 637 SBC 637 Benefit booklet
Plan 652 BlueAccess $2,000-$35-$70-35% Gold $2,000/$4,000 652 Benefit summary 652 SBC 652 Benefit booklet
Plan 584 BlueAccess $2,800-$35-$70-25% Gold $2,800/$5,600 584 Benefit summary 584 SBC 584 Benefit booklet
Plan 653 BlueAccess $3,250-0% Non-embedded HSA Gold $3,250/$6,500 653 Benefit summary 653 SBC 653 Benefit booklet
Plan 632 BlueAccess $3,500-0% HSA Gold $3,500/$7,000 632 Benefit summary 632 SBC 632 Benefit booklet
Plan 568 BlueAccess $4,000-0% HSA Gold $4,000/$8,000 568 Benefit summary 568 SBC 568 Benefit booklet
Plan 690 BlueAccess $4,400-0% HSA Gold $4,400/$8,800 690 Benefit summary 690 SBC 690 Benefit booklet
Plan 635 BlueAccess $500-$35-$70-35% Gold $500/$1,000 635 Benefit summary 635 SBC 635 Benefit booklet
Platinum
Plan 655 BlueAccess $0-$35-$70-20% Platinum $0/$0 655 Benefit summary 655 SBC 655 Benefit booklet

Support

1Blue Cross Blue Shield Association market insights data, 2024.

2Blue Cross Blue Shield Association Network portfolio statistics, January 2024, National Consulting Firm CY2021 Discount Benchmark.

3Blue Cross Blue Shield Association Network portfolio statistics, National Consulting Firm CY2019 Total Cost of Care Benchmark weighted by national census.

4Blue Cross Blue Shield Association Network portfolio statistics, CY2020 Market Cost Nationwide Report.

Prescription drug tiers: The drug lists use tiered pricing. Tiers group drugs into different cost levels. (Higher-cost drugs are in higher tier numbers.)

We feature a large network of healthcare providers. Each provider is an independent contractor and not our agent.

View the network adequacy waivers the Minnesota Department of Health has approved for this plan.