Adults sitting next to each other on the stairs while looking at a digital tablet.

Small group health plans with Aware Network

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

Explore your options

Questions? Give us a call:

1-877-293-7035 (TTY 711)

Or use the decision guide as a tool to help you select a network and a plan that meets your needs.

2026 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.

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

 

Find care in the Aware Network

It's important to stay in the network. Your out-of-pocket costs will be higher when you see an out-of-network provider.

Find care

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

Better outcomes with Blue Care Advisor

Enhance employees’ health and wellbeing with a personalized experience.

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

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.

2026 BasicRx insulin member cost-share drug list

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.

View small group dental plans

View small group vision plans

Adult in bed with a tissue while using the laptop.

Online care

See 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
Adult looking out the window.

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.

Learn more about Learn to Live

Plan documents

BlueAccess plans with Aware Network Deductible Benefit summaries  Summary of benefits & coverage (SBC) Benefit booklet (coming soon) — View sample booklet
Bronze
BlueAccess Bronze $10,600 Plan 618 $10,600/$21,200 618 Benefit summary 618 SBC  
BlueAccess HSA Bronze $7,600 Plan 624 $7,600/$15,200 624 Benefit summary 624 SBC  
BlueAccess HSA Bronze $8,500 Plan 598 $8,500/$17,000 598 Benefit summary 598 SBC  
Silver
BlueAccess Silver $3,300 Plan 623 $3,300/$6,600 623 Benefit summary 623 SBC  
BlueAccess Silver $3,600 Plan 625 $3,600/$7,200 625 Benefit summary 625 SBC  
BlueAccess Silver $4,300 Plan 626 $4,300/$8,600 626 Benefit summary 626 SBC  
BlueAccess Silver $4,200 Plan 627 $4,200/$8,400 627 Benefit summary 627 SBC  
BlueAccess Silver $4,700 Rx Copay Plan 582 $4,700/$9,400 582 Benefit summary 582 SBC  
BlueAccess HSA Silver $3,400 Plan 632 $3,400/$6,800 632 benefit summary 632 SBC  
BlueAccess HSA Silver $5,100 Plan 642 $5,100/$10,200 642 Benefit summary 642 SBC  
BlueAccess HSA Silver $5,400 Plan 645 $5,400/$10,800 645 Benefit summary 645 SBC  
BlueAccess HSA Silver $5,900 Plan 640 $5,900/$11,800 640 Benefit summary 640 SBC  
BlueAccess HSA Silver $6,400 Plan 628 $6,400/$12,800 628 Benefit summary 628 SBC  
BlueAccess HSA Silver $6,900 Plan 562 $6,900/$13,800 562 Benefit summary 562 SBC  
Gold
BlueAccess Gold $500 Plan 635 $500/$1,000 635 Benefit summary 635 SBC  
BlueAccess Gold $1,000 Plan 637 $1,000/$2,000 637 Benefit summary 637 SBC  
BlueAccess Gold $2,000 Plan 652 $2,000/$4,000 652 Benefit summary 652 SBC  
BlueAccess Gold $2,700 Rx Copay Plan 584 $2,700/$5,400 584 Benefit summary 584 SBC  
BlueAccess HSA Gold $3,050 Plan 653 $3,050/$6,100 653 Benefit summary 653 SBC  
BlueAccess HSA Gold $3,400 Plan 563 $3,400/$6,800 563 Benefit summary 563 SBC  
BlueAccess HSA Gold $4,200 Plan 690 $4,200/$8,400 690 Benefit summary 690 SBC  
Platinum
BlueAccess Platinum No Deductible Plan 655 $0/$0 655 Benefit summary 655 SBC  

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.