Your best choice for quality care at an affordable price with a broad selection of healthcare providers.
An agent can guide you through the entire decision-making process, helping you find the best plan for your needs.
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.
The High Value Network includes leading doctors, clinics and hospitals across Minnesota and pairs with High Value products.
This network offers more cost savings with a limited network of providers.
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.
Several cost-sharing options at different levels are offered:
It's important to stay in the network. Your out-of-pocket costs will be higher when you see an out-of-network provider.
Countries worldwide and spans every U.S. ZIP code
Claims paid in network2
Lower total cost of care3 with BlueCard®
Average savings4 with Bluecard PPO
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.
These plans include coverage for prescriptions filled at pharmacies in the Classic Pharmacy Network.
The BasicRx formulary included with these plans is a comprehensive list of covered generic and brand-name drugs.
HSA plans: Insulin on tier 1 is included as a covered benefit with $0 out-of-pocket cost.
2025 Small group BasicRx HSA preventive drug list
Other plans: Members will not pay over $25 per prescription per month on tier 1 and tier 2.
2025 BasicRx individual, small group insulin member cost-share drug list
In addition to the wellbeing features built in to Blue Care Advisor, we're introducing three new Omada programs in 2025:
Experience the advantages of your health plan and account administrator working together to give you and your employees a simple and seamless experience.
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.
See a doctor right on your smartphone, tablet or computer with Doctor On Demand®. Board-certified doctors, psychiatrists and psychologists treat many common conditions.
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.
| High Value plans with High Value Network | Deductible | Benefit summaries | Summary of benefits & coverage (SBC) | Benefit booklet |
|---|---|---|---|---|
| Bronze | ||||
| High Value Bronze $9,200 Plan 550 | $9,200/$18,400 | 550 Benefit summary | 550 SBC | 550 Benefit booklet |
| High Value HSA Bronze $7,200 Plan 656 | $7,200/$14,400 | 656 Benefit summary | 656 SBC | 656 Benefit booklet |
| High Value HSA Bronze $8,300 Plan 599 | $8,300/$16,600 | 599 Benefit summary | 599 SBC | 599 Benefit booklet |
| Silver | ||||
| High Value Silver $3,100 Plan 662 | $3,100/$6,200 | 662 Benefit summary | 662 SBC | 662 Benefit booklet |
| High Value Silver $3,400 Plan 551 | $3,400/$6,800 | 551 Benefit summary | 551 SBC | 551 Benefit booklet |
| High Value Silver $4,200 Plan 560 | $4,200/$8,400 | 560 Benefit summary | 560 SBC | 560 Benefit booklet |
| High Value Silver $4,000 Plan 552 | $4,000/$8,000 | 552 Benefit summary | 552 SBC | 552 Benefit booklet |
| High Value Silver $4,500 Rx Copay Plan 583 | $4,500/$9,000 | 583 Benefit summary | 583 SBC | 583 Benefit booklet |
| High Value HSA Silver $3,300 Plan 553 | $3,300/$6,600 | 553 Benefit summary | 553 SBC | 553 Benefit booklet |
| High Value HSA Silver $4,600 Plan 555 | $4,600/$9,200 | 555 Benefit summary | 555 SBC | 555 Benefit booklet |
| High Value HSA Silver $5,150 Plan 660 | $5,150/$10,300 | 660 Benefit summary | 660 SBC | 660 Benefit booklet |
| High Value HSA Silver $5,800 Plan 554 | $5,800/$11,600 | 554 Benefit summary | 554 SBC | 554 Benefit booklet |
| High Value HSA Silver $6,300 Plan 561 | $6,300/$12,600 | 561 Benefit summary | 561 SBC | 561 Benefit booklet |
| Gold | ||||
| High Value Gold $500 Plan 556 | $500/$1,000 | 556 Benefit summary | 556 SBC | 556 Benefit booklet |
| High Value Gold $1,000 Plan 664 | $1,000/$2,000 | 664 Benefit summary | 664 SBC | 664 Benefit booklet |
| High Value Gold $2,000 Plan 557 | $2,000/$4,000 | 557 Benefit summary | 557 SBC | 557 Benefit booklet |
| High Value Gold $2,500 Rx Copay Plan 585 | $2,500/$5,000 | 585 Benefit summary | 585 SBC | 585 Benefit booklet |
| High Value HSA Gold $2,600 Plan 558 | $2,700/$5,400 | 558 Benefit summary | 558 SBC | 558 Benefit booklet |
| High Value HSA Gold $3,750 Plan 692 | $3,750/$7,500 | 692 Benefit summary | 692 SBC | 692 Benefit booklet |
| Platinum | ||||
| High Value Platinum No Deductible Plan 559 | $0/$0 | 559 Benefit summary | 559 SBC | 559 Benefit booklet |
An agent can guide you through the entire decision-making process, helping you find the best plan for your needs.
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.
See a list of the network adequacy waivers the Minnesota Department of Health has approved for this plan.
Through the federal Public Health Emergency (PHE) related to the COVID-19 pandemic and authorized by section 319 of the Public Health Service Act, the Internal Revenue Service (IRS) created an exception that allows health savings account dollars to be used to pay for certain services, including e-visits/telephone consults, before deductible applies. Once the federal PHE has expired, deductible will apply for e-visits/telephone consults, unless the IRS issues further guidance.