## 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](http://bluecrossmn.com/awarenetwork) SVG .cls-1, .cls-2 { fill: none; stroke: #231f20; stroke-miterlimit: 10; stroke-width: 2px; } .cls-2 { stroke-linecap: square; } ### Access to care in 190+ Countries worldwide and spans every U.S. ZIP code SVG .cls-1, .cls-2 { fill: none; stroke: #231f20; stroke-miterlimit: 10; stroke-width: 2px; } .cls-2 { stroke-linecap: square; } ### 98% Claims paid in network2 SVG .cls-1 { fill: none; stroke: #231f20; stroke-linecap: square; stroke-miterlimit: 10; stroke-width: 2px; } ### 4 — 9% Lower total cost of care3 with BlueCard® SVG .cls-1 { fill: none; stroke: #231f20; stroke-linecap: square; stroke-miterlimit: 10; stroke-width: 2px; } ### 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](/employers/employer-insights-and-updates/introducing-blue-care-advisor "Introducing 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 SVG .cls-1 { fill: none; stroke: #231f20; stroke-linecap: square; stroke-miterlimit: 10; stroke-width: 2px; } ### Pharmacy network These plans include coverage for prescriptions filled at pharmacies in the Classic Pharmacy Network. [Search pharmacy network](http://bluecrossmn.com/classicpharmacynetwork) SVG .cls-1, .cls-2 { fill: none; stroke: #231f20; stroke-miterlimit: 10; stroke-width: 2px; } .cls-2 { stroke-linecap: square; } ### 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](https://www.bluecrossmn.com/smallgrouphsadruglist2026) [All other plans drug list](https://www.bluecrossmn.com/smallgroupdruglist2026) SVG .cls-1, .cls-2 { fill: none; stroke: #231f20; stroke-miterlimit: 10; stroke-width: 2px; } .cls-2 { stroke-linecap: square; } ### 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](https://bluecrossmn.widen.net/content/tglmblfruf/original/2026-small-group-basicrx-hsa-preventive-drug-list.pdf "2026-small-group-basicrx-hsa-preventive-drug-list.pdf") 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](https://bluecrossmn.widen.net/content/ndugnas0xk/original/2026-basicrx-insulin-member-costshare-drug-list.pdf "2026-basicrx-insulin-member-costshare-drug-list.pdf") ## Included benefits and care options 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; } ### 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 SVG .cls-1 { fill: none; stroke: #231f20; stroke-linecap: square; stroke-miterlimit: 10; stroke-width: 2px; } ### 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) SVG .cls-1, .cls-2 { fill: none; stroke: #231f20; stroke-miterlimit: 10; stroke-width: 2px; } .cls-2 { stroke-linecap: square; } ### 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](/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") ![Adult in bed with a tissue while using the laptop.](/sites/default/files/styles/3x2_third/public/b1d398fc-9d90-45eb-a638-910f9e53f4cd.jpg.webp?itok=3XD8FQbx) ### 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](/find-care/doctor-demand) ![Adult looking out the window.](/sites/default/files/styles/3x2_third/public/2335c86e-2bfc-4712-8487-57b12fbcb18d.jpg.webp?itok=IKafaoCo) ### 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](/member-resources/health-programs-discounts/learn-live) ## Plan documents ### 2026 Documents for BlueAccess plans with Aware Network BlueAccess plans with Aware NetworkDeductibleBenefit summaries Summary of benefits & coverage (SBC)Benefit booklets**Bronze**BlueAccess Bronze $10,600 Plan 618$10,600/$21,200[618 Benefit summary](https://bluecrossmn.widen.net/content/upsqn1obku/original/2026-blueaccess-618-benefit-summary.pdf "2026-blueaccess-618-benefit-summary.pdf")[618 SBC](https://bluecrossmn.widen.net/content/e0vpu1xcky/original/2026_49316mn1070028-00_sbc.pdf "2026_49316mn1070028-00_sbc.pdf")[618 Benefit booklet](https://bluecrossmn.widen.net/content/yc4hd6qllr/original/49316MN107002800.pdf "49316MN107002800.pdf")BlueAccess HSA Bronze $7,600 Plan 624$7,600/$15,200[624 Benefit summary](https://bluecrossmn.widen.net/content/znrgltip68/original/2026-blueaccess-624-benefit-summary.pdf "2026-blueaccess-624-benefit-summary.pdf")[624 SBC](https://bluecrossmn.widen.net/content/ihksz6lnwd/original/2026_49316mn1070001-00_sbc.pdf "2026_49316mn1070001-00_sbc.pdf")[624 Benefit booklet](https://bluecrossmn.widen.net/content/qspv2ynzzh/original/49316mn107000100.pdf "49316mn107000100.pdf")BlueAccess HSA Bronze $8,500 Plan 598$8,500/$17,000[598 Benefit summary](https://bluecrossmn.widen.net/content/9ztz70xyw5/original/2026-blueaccess-598-benefit-summary.pdf "2026-blueaccess-598-benefit-summary.pdf")[598 SBC](https://bluecrossmn.widen.net/content/ubd6xc3chi/original/2026_49316mn1070033-00_sbc.pdf "2026_49316mn1070033-00_sbc.pdf")[598 Benefit booklet](https://bluecrossmn.widen.net/content/dksegnfagq/original/49316MN107003300.pdf "49316MN107003300.pdf")**Silver**BlueAccess Silver $3,300 Plan 623$3,300/$6,600[623 Benefit summary](https://bluecrossmn.widen.net/content/ag6fstatza/original/2026-blueaccess-623-benefit-summary.pdf "2026-blueaccess-623-benefit-summary.pdf")[623 SBC](https://bluecrossmn.widen.net/content/c4iqvoble3/original/2026_49316mn1070004-00_sbc.pdf "2026_49316mn1070004-00_sbc.pdf")[623 Benefit booklet](https://bluecrossmn.widen.net/content/du451pfmkm/original/49316mn107000400.pdf "49316mn107000400.pdf")BlueAccess Silver $3,600 Plan 625$3,600/$7,200[625 Benefit summary](https://bluecrossmn.widen.net/content/psbtwywtzj/original/2026-blueaccess-625-benefit-summary.pdf "2026-blueaccess-625-benefit-summary.pdf")[625 SBC](https://bluecrossmn.widen.net/content/yeh6co4mj6/original/2026_49316mn1070005-00_sbc.pdf "2026_49316mn1070005-00_sbc.pdf")[625 Benefit booklet](https://bluecrossmn.widen.net/content/xdkd1epfbr/original/49316mn107000500.pdf "49316mn107000500.pdf")BlueAccess Silver $4,300 Plan 626$4,300/$8,600[626 Benefit summary](https://bluecrossmn.widen.net/content/z3zfdk8kck/original/2026-blueaccess-626-benefit-summary.pdf "2026-blueaccess-626-benefit-summary.pdf")[626 SBC](https://bluecrossmn.widen.net/content/gvvofybmxg/original/2026_49316mn1070030-00_sbc.pdf "2026_49316mn1070030-00_sbc.pdf")[626 Benefit booklet](https://bluecrossmn.widen.net/content/oeclheuv81/original/49316mn107003000.pdf "49316mn107003000.pdf")BlueAccess Silver $4,200 Plan 627$4,200/$8,400[627 Benefit summary](https://bluecrossmn.widen.net/content/5wg0brsrkz/original/2026-blueaccess-627-benefit-summary.pdf "2026-blueaccess-627-benefit-summary.pdf")[627 SBC](https://bluecrossmn.widen.net/content/pbdfciusql/original/2026_49316mn1070006-00_sbc.pdf "2026_49316mn1070006-00_sbc.pdf")[627 Benefit booklet](https://bluecrossmn.widen.net/content/86t85ucgzs/original/49316mn107000600.pdf "49316mn107000600.pdf")BlueAccess Silver $4,700 Rx Copay Plan 582$4,700/$9,400[582 Benefit summary](https://bluecrossmn.widen.net/content/4sfufmlck4/original/2026-blueaccess-582-benefit-summary.pdf "2026-blueaccess-582-benefit-summary.pdf")[582 SBC](https://bluecrossmn.widen.net/content/rxrjngofon/original/2026_49316MN1070034-00_SBC.pdf "2026_49316MN1070034-00_SBC.pdf")[582 Benefit booklet](https://bluecrossmn.widen.net/content/75skuj2vrr/original/49316mn107003400.pdf "49316mn107003400.pdf")BlueAccess HSA Silver $3,400 Plan 632$3,400/$6,800[632 benefit summary](https://bluecrossmn.widen.net/content/bp5fip2d5x/original/2026-blueaccess-632-benefit-summary.pdf "2026-blueaccess-632-benefit-summary.pdf")[632 SBC](https://bluecrossmn.widen.net/content/mmyoyctyze/original/2026_49316mn1070022-00_sbc.pdf "2026_49316mn1070022-00_sbc.pdf")[632 Benefit booklet](https://bluecrossmn.widen.net/content/mmay6boyca/original/49316mn107002200.pdf "49316mn107002200.pdf")BlueAccess HSA Silver $5,100 Plan 642$5,100/$10,200[642 Benefit summary](https://bluecrossmn.widen.net/content/kxok5jnlgr/original/2026-blueaccess-642-benefit-summary.pdf "2026-blueaccess-642-benefit-summary.pdf")[642 SBC](https://bluecrossmn.widen.net/content/61edp4h4vg/original/2026_49316mn1070027-00_sbc.pdf "2026_49316mn1070027-00_sbc.pdf")[642 Benefit booklet](https://bluecrossmn.widen.net/content/zujx7fd0mw/original/49316MN107002700.pdf "49316MN107002700.pdf")BlueAccess HSA Silver $5,400 Plan 645$5,400/$10,800[645 Benefit summary](https://bluecrossmn.widen.net/content/zuy0uzfmpa/original/2026-blueaccess-645-benefit-summary.pdf "2026-blueaccess-645-benefit-summary.pdf")[645 SBC](https://bluecrossmn.widen.net/content/vqbm1tvurk/original/2026_49316mn1070020-00_sbc.pdf "2026_49316mn1070020-00_sbc.pdf")[645 Benefit booklet](https://bluecrossmn.widen.net/content/jsxuq6jyau/original/49316mn107002000.pdf "49316mn107002000.pdf")BlueAccess HSA Silver $5,900 Plan 640$5,900/$11,800[640 Benefit summary](https://bluecrossmn.widen.net/content/viaix1vqhj/original/2026-blueaccess-640-benefit-summary.pdf "2026-blueaccess-640-benefit-summary.pdf")[640 SBC](https://bluecrossmn.widen.net/content/omvks4wmvg/original/2026_49316mn1070026-00_sbc.pdf "2026_49316mn1070026-00_sbc.pdf")[640 Benefit booklet](https://bluecrossmn.widen.net/content/yamhsv9gns/original/49316mn107002600.pdf "49316mn107002600.pdf")BlueAccess HSA Silver $6,400 Plan 628$6,400/$12,800[628 Benefit summary](https://bluecrossmn.widen.net/content/qo1raiiapr/original/2026-blueaccess-628-benefit-summary.pdf "2026-blueaccess-628-benefit-summary.pdf")[628 SBC](https://bluecrossmn.widen.net/content/ejckygt7oh/original/2026_49316mn1070031-00_sbc.pdf "2026_49316mn1070031-00_sbc.pdf")[628 Benefit booklet](https://bluecrossmn.widen.net/content/bae1dkdnzb/original/49316mn107003100.pdf "49316mn107003100.pdf")BlueAccess HSA Silver $6,900 Plan 562$6,900/$13,800[562 Benefit summary](https://bluecrossmn.widen.net/content/axqdbchplv/original/2026-blueaccess-562-benefit-summary.pdf "2026-blueaccess-562-benefit-summary.pdf")[562 SBC](https://bluecrossmn.widen.net/content/cj5dzeafoy/original/2026_49316mn1070036-00_sbc.pdf "2026_49316mn1070036-00_sbc.pdf")[562 Benefit booklet](https://bluecrossmn.widen.net/content/xronl6jphd/original/49316mn107003600.pdf "49316mn107003600.pdf")**Gold**BlueAccess Gold $500 Plan 635$500/$1,000[635 Benefit summary](https://bluecrossmn.widen.net/content/ui8wedxl6o/original/2026-blueaccess-635-benefit-summary.pdf "2026-blueaccess-635-benefit-summary.pdf")[635 SBC](https://bluecrossmn.widen.net/content/6ydstcmqs4/original/2026_49316mn1070010-00_sbc.pdf "2026_49316mn1070010-00_sbc.pdf")[635 Benefit booklet](https://bluecrossmn.widen.net/content/otcnzmfvjh/original/49316mn107001000.pdf "49316mn107001000.pdf")BlueAccess Gold $1,000 Plan 637$1,000/$2,000[637 Benefit summary](https://bluecrossmn.widen.net/content/f1ytacmc3i/original/2026-blueaccess-637-benefit-summary.pdf "2026-blueaccess-637-benefit-summary.pdf")[637 SBC](https://bluecrossmn.widen.net/content/gvbase71w6/original/2026_49316mn1070011-00_sbc.pdf "2026_49316mn1070011-00_sbc.pdf")[637 Benefit booklet](https://bluecrossmn.widen.net/content/e6cbk4d3zc/original/49316mn107001100.pdf "49316mn107001100.pdf")BlueAccess Gold $2,000 Plan 652$2,000/$4,000[652 Benefit summary](https://bluecrossmn.widen.net/content/mhcws3u9lr/original/2026-blueaccess-652-benefit-summary.pdf "2026-blueaccess-652-benefit-summary.pdf")[652 SBC](https://bluecrossmn.widen.net/content/vj0zzts8ux/original/2026_49316MN1070029-00_SBC.pdf "2026_49316MN1070029-00_SBC.pdf")[652 Benefit booklet](https://bluecrossmn.widen.net/content/ccpvtxmrni/original/49316mn107002900.pdf "49316mn107002900.pdf")BlueAccess Gold $2,700 Rx Copay Plan 584$2,700/$5,400[584 Benefit summary](https://bluecrossmn.widen.net/content/dhnfmiwqg9/original/2026-blueaccess-584-benefit-summary.pdf "2026-blueaccess-584-benefit-summary.pdf")[584 SBC](https://bluecrossmn.widen.net/content/lfh3zrlgtb/original/2026_49316MN1070035-00_SBC.pdf "2026_49316MN1070035-00_SBC.pdf")[584 Benefit booklet](https://bluecrossmn.widen.net/content/ow3cr2ajob/original/49316MN107003500.pdf "49316MN107003500.pdf")BlueAccess HSA Gold $3,050 Plan 653$3,050/$6,100[653 Benefit summary](https://bluecrossmn.widen.net/content/cvm6rrwe6e/original/2026-blueaccess-653-benefit-summary.pdf "2026-blueaccess-653-benefit-summary.pdf")[653 SBC](https://bluecrossmn.widen.net/content/q2cfl252i0/original/2026_49316mn1070018-00_sbc.pdf "2026_49316mn1070018-00_sbc.pdf")[653 Benefit booklet](https://bluecrossmn.widen.net/content/hx2axmp4xr/original/49316mn107001800.pdf "49316mn107001800.pdf")BlueAccess HSA Gold $3,400 Plan 563$3,400/$6,800[563 Benefit summary](https://bluecrossmn.widen.net/content/os4hnkmdha/original/2026-blueaccess-563-benefit--summary.pdf "2026-blueaccess-563-benefit--summary.pdf")[563 SBC](https://bluecrossmn.widen.net/content/snejyhplgc/original/2026_49316mn1070037-00_sbc.pdf "2026_49316mn1070037-00_sbc.pdf")[563 Benefit booklet](https://bluecrossmn.widen.net/content/phqsfsknta/original/49316MN107003700.pdf "49316MN107003700.pdf")BlueAccess HSA Gold $4,200 Plan 690$4,200/$8,400[690 Benefit summary](https://bluecrossmn.widen.net/content/8purpsddsz/original/2026-blueaccess-690-benefit-summary.pdf "2026-blueaccess-690-benefit-summary.pdf")[690 SBC](https://bluecrossmn.widen.net/content/g5df7wqhfh/original/2026_49316mn1070032-00_sbc.pdf "2026_49316mn1070032-00_sbc.pdf")[690 Benefit booklet](https://bluecrossmn.widen.net/content/8gwzyr8kzp/original/49316mn107003200.pdf "49316mn107003200.pdf")**Platinum**BlueAccess Platinum No Deductible Plan 655$0/$0[655 Benefit summary](https://bluecrossmn.widen.net/content/xpu2sl9gxr/original/2026-blueaccess-655-benefit-summary.pdf "2026-blueaccess-655-benefit-summary.pdf")[655 SBC](https://bluecrossmn.widen.net/content/xqlz58uhtj/original/2026_49316mn1070019-00_sbc.pdf "2026_49316mn1070019-00_sbc.pdf")[655 Benefit booklet](https://bluecrossmn.widen.net/content/h4lde6yqfb/original/49316mn107001900.pdf "49316mn107001900.pdf") ## Support ![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/) 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](/find-care/about-networks/network-adequacy-waivers "Network adequacy waivers") the Minnesota Department of Health has approved for this plan.