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2027 Small group health plans with the High Value Network

Your best choice for quality care at an affordable price with a broad selection of healthcare providers.

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.

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Plan overview

Why choose a High Value Network plan?

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.

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

High Value plans with High Value Network Deductible Benefit summaries Summaries of benefits & coverage (SBC)

Benefit booklets (coming soon)

Download sample booklet
Bronze
Plan 550 High Value $12,000-0% Bronze $12,000/$24,000 550 Benefit summary 550 SBC 550 Benefit booklet
Plan 656 High Value $8,100-0% HSA Bronze $8,100/$16,200 656 Benefit summary 656 SBC 656 Benefit booklet
Plan 599 High Value $8,700-0% HSA Bronze $8,700/$17,400 599 Benefit summary 599 SBC 599 Benefit booklet
Silver
Plan 565 High Value $3,500-35% HSA Silver $3,500/$7,000 565 Benefit summary 565 SBC 565 Benefit booklet
Plan 553 High Value $3,600-35% Rx Copay Silver $3,600/$7,200 553 Benefit summary 553 SBC 553 Benefit booklet
Plan 551 High Value $3,900-45% Rx Copay Silver $3,900/$7,800 551 Benefit summary 551 SBC 551 Benefit booklet
Plan 552 High Value $4,500-45% Rx Copay Silver $4,500/$9,000 552 Benefit summary 552 SBC 552 Benefit booklet
Plan 560 High Value $4,600-$65-$130-40% Silver $4,600/$9,200 560 Benefit summary 560 SBC 560 Benefit booklet
Plan 583 High Value $5,000-35% Rx Copay Silver $5,000/$10,000 583 Benefit summary 583 SBC 583 Benefit booklet
Plan 567 High Value $5,000-10% HSA Silver $5,000/$10,000 567 Benefit summary 567 SBC 567 Benefit booklet
Plan 555 High Value $5,600-0% Non embedded HSA Silver $5,600/$11,200 555 Benefit summary 555 SBC 555 Benefit booklet
Plan 660 High Value $5,900-0% HSA Silver $5,900/$11,800 660 Benefit summary 660 SBC 660 Benefit booklet
Plan 556 High Value $6,400-0% HSA Silver $6,400/$12,800 556 Benefit summary 556 SBC 556 Benefit booklet
Plan 561 High Value $6,900-0% HSA Silver $6,900/$13,800 561 Benefit summary 561 SBC 561 Benefit booklet
Plan 564 High Value $7,500-0% HSA Silver $7,500/$15,000 564 Benefit summary 564 SBC 564 Benefit booklet
Gold
Plan 664 High Value $1,000-$35-$70-35% Gold $1,000/$2,000 664 Benefit summary 664 SBC 664 Benefit booklet
Plan 557 High Value $2,000-$35-$70-35% Gold $2,000/$4,000 557 Benefit summary 557 SBC 557 Benefit booklet
Plan 585 High Value $2,800-$35-$70-25% Gold $2,800/$5,600 585 Benefit summary 585 SBC 585 Benefit booklet
Plan 558 High Value $3,250-0% Non-embedded HSA Gold $3,250/$6,500 558 Benefit summary 558 SBC 558 Benefit booklet
Plan 662 High Value $3,500-0% HSA Gold $3,500/$7,000 662 Benefit summary 662 SBC 662 Benefit booklet
Plan 569 High Value $4,000-0% HSA Gold $4,000/$8,000 569 Benefit summary 569 SBC 569 Benefit booklet
Plan 692 High Value $4,400-0% HSA Gold $4,400/$8,800 692 Benefit summary 692 SBC 692 Benefit booklet
Plan 554 High Value $500-$35-$70-35% Gold $500/$1,000 554 Benefit summary 554 SBC 554 Benefit booklet
Platinum
Plan 559 High Value $0-$35-$70-20% Platinum $0/$0 559 Benefit summary 559 SBC 559 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.