## 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. ### 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 High Value 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/highvaluenetwork) 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 High Value plans with High Value Network High Value plans with High Value NetworkDeductibleBenefit summariesSummary of benefits & coverage (SBC)Benefit booklets**Bronze**High Value Bronze $10,600 Plan 550$10,600/$21,200[550 Benefit summary](https://bluecrossmn.widen.net/content/nklgchoavy/original/2026-high-value-550-benefit-summary.pdf "2026-high-value-550-benefit-summary.pdf")[550 SBC](https://bluecrossmn.widen.net/content/qedg2flvqq/original/2026_57129mn0220006-00_sbc.pdf "2026_57129mn0220006-00_sbc.pdf")[550 Benefit booklet](https://bluecrossmn.widen.net/content/hq4266btbp/original/57129mn022000600.pdf "57129mn022000600.pdf")High Value HSA Bronze $7,600 Plan 656$7,600/$15,200[656 Benefit summary](https://bluecrossmn.widen.net/content/wbocmltw1j/original/2026-high-value-656-benefit-summary.pdf "2026-high-value-656-benefit-summary.pdf")[656 SBC](https://bluecrossmn.widen.net/content/ksay8j2vb4/original/2026_57129mn0220001-00_sbc.pdf "2026_57129mn0220001-00_sbc.pdf")[656 Benefit booklet](https://bluecrossmn.widen.net/content/m7zhjhbkof/original/57129mn022000100.pdf "57129mn022000100.pdf")High Value HSA Bronze $8,500 Plan 599$8,500/$17,000[599 Benefit summary](https://bluecrossmn.widen.net/content/xuxvglkrme/original/2026-high-value-599-benefit-summary.pdf "2026-high-value-599-benefit-summary.pdf")[599 SBC](https://bluecrossmn.widen.net/content/gxzlfovgfe/original/2026_57129mn0220019-00_sbc.pdf "2026_57129mn0220019-00_sbc.pdf")[599 Benefit booklet](https://bluecrossmn.widen.net/content/6pyaq3rcst/original/57129mn022001900.pdf "57129mn022001900.pdf")**Silver**High Value Silver $3,300 Plan 662$3,300/$6,600[662 Benefit summary](https://bluecrossmn.widen.net/content/dhb5d8zv9v/original/2026-high-value-662-benefit-summary.pdf "2026-high-value-662-benefit-summary.pdf")[662 SBC](https://bluecrossmn.widen.net/content/8xb3iqfzhv/original/2026_57129mn0220004-00_sbc.pdf "2026_57129mn0220004-00_sbc.pdf")[662 Benefit booklet](https://bluecrossmn.widen.net/content/libgyi8jwo/original/57129mn022000400.pdf "57129mn022000400.pdf")High Value Silver $3,600 Plan 551$3,600/$7,200[551 Benefit summary](https://bluecrossmn.widen.net/content/kfgdkholoo/original/2026-high-value-551-benefit-summary.pdf "2026-high-value-551-benefit-summary.pdf")[551 SBC](https://bluecrossmn.widen.net/content/jzi4ifejpn/original/2026_57129mn0220007-00_sbc.pdf "2026_57129mn0220007-00_sbc.pdf")[551 Benefit booklet](https://bluecrossmn.widen.net/content/ei9zzpz4oe/original/57129mn022000700.pdf "57129mn022000700.pdf")High Value Silver $4,300 Plan 560$4,300/$8,600[560 Benefit summary](https://bluecrossmn.widen.net/content/htxuzr4x3i/original/2026-high-value-560-benefit-summary.pdf "2026-high-value-560-benefit-summary.pdf")[560 SBC](https://bluecrossmn.widen.net/content/oiyadai1q6/original/2026_57129mn0220016-00_sbc.pdf "2026_57129mn0220016-00_sbc.pdf")[560 Benefit booklet](https://bluecrossmn.widen.net/content/anyzpice43/original/57129mn022001600.pdf "57129mn022001600.pdf")High Value Silver $4,200 Plan 552$4,200/$8,400[552 Benefit summary](https://bluecrossmn.widen.net/content/phpfymbwr5/original/2026-high-value-552-benefit-summary.pdf "2026-high-value-552-benefit-summary.pdf")[552 SBC](https://bluecrossmn.widen.net/content/5o24smim7h/original/2026_57129mn0220008-00_sbc.pdf "2026_57129mn0220008-00_sbc.pdf")[552 Benefit booklet](https://bluecrossmn.widen.net/content/t0iqrjwlsl/original/57129mn022000800.pdf "57129mn022000800.pdf")High Value Silver $4,700 Rx Copay Plan 583$4,700/$9,400[583 Benefit summary](https://bluecrossmn.widen.net/content/q8w257b8zr/original/2026-high-value-583-benefit-summary.pdf "2026-high-value-583-benefit-summary.pdf")[583 SBC](https://bluecrossmn.widen.net/content/u3wslb9c0u/original/2026_57129mn0220020-00_sbc.pdf "2026_57129mn0220020-00_sbc.pdf")[583 Benefit booklet](https://bluecrossmn.widen.net/content/okdyb66nov/original/57129mn022002000.pdf "57129mn022002000.pdf")High Value HSA Silver $3,400 Plan 553$3,400/$6,800[553 Benefit summary](https://bluecrossmn.widen.net/content/en3gcioeeo/original/2026-high-value-553-benefit-summary.pdf "2026-high-value-553-benefit-summary.pdf")[553 SBC](https://bluecrossmn.widen.net/content/cmcghquesb/original/2026_57129mn0220009-00_sbc.pdf "2026_57129mn0220009-00_sbc.pdf")[553 Benefit booklet](https://bluecrossmn.widen.net/content/ah6caty6te/original/57129mn022000900.pdf "57129mn022000900.pdf")High Value HSA Silver $5,100 Plan 555$5,100/$10,200[555 Benefit summary](https://bluecrossmn.widen.net/content/hp9bvdalgk/original/2026-high-value-555-benefit-summary.pdf "2026-high-value-555-benefit-summary.pdf")[555 SBC](https://bluecrossmn.widen.net/content/at3moltjaw/original/2026_57129mn0220011-00_sbc.pdf "2026_57129mn0220011-00_sbc.pdf")[555 Benefit booklet](https://bluecrossmn.widen.net/content/io8yzrjdqz/original/57129mn022001100.pdf "57129mn022001100.pdf")High Value HSA Silver $5,400 Plan 660$5,400/$10,800[660 Benefit summary](https://bluecrossmn.widen.net/content/gg9rnbbzcp/original/2026-high-value-660-benefit-summary.pdf "2026-high-value-660-benefit-summary.pdf")[660 SBC](https://bluecrossmn.widen.net/content/awdhbhub5f/original/2026_57129mn0220003-00_sbc.pdf "2026_57129mn0220003-00_sbc.pdf")[660 Benefit booklet](https://bluecrossmn.widen.net/content/gat6pvefvv/original/57129mn022000300.pdf "57129mn022000300.pdf")High Value HSA Silver $5,900 Plan 554$5,900/$11,800[554 Benefit summary](https://bluecrossmn.widen.net/content/swpvuq05bx/original/2026-high-value-554-benefit-summary.pdf "2026-high-value-554-benefit-summary.pdf")[554 SBC](https://bluecrossmn.widen.net/content/tmgltx8srh/original/2026_57129mn0220010-00_sbc.pdf "2026_57129mn0220010-00_sbc.pdf")[554 Benefit booklet](https://bluecrossmn.widen.net/content/75mlqvlhcl/original/57129mn022001000.pdf "57129mn022001000.pdf")High Value HSA Silver $6,400 Plan 561$6,400/$12,800[561 Benefit summary](https://bluecrossmn.widen.net/content/r1n3z8hdq6/original/2026-high-value-561-benefit-summary.pdf "2026-high-value-561-benefit-summary.pdf")[561 SBC](https://bluecrossmn.widen.net/content/idv9tuakml/original/2026_57129mn0220017-00_sbc.pdf "2026_57129mn0220017-00_sbc.pdf")[561 Benefit booklet](https://bluecrossmn.widen.net/content/di43k4cnfb/original/57129mn022001700.pdf "57129mn022001700.pdf")High Value HSA Silver $6,900 Plan 564$6,900/$13,800[564 Benefit summary](https://bluecrossmn.widen.net/content/nkkz8dn9ps/original/2026-high-value-564-benefit-summary.pdf "2026-high-value-564-benefit-summary.pdf")[564 SBC](https://bluecrossmn.widen.net/content/ysrsmmw5de/original/2026_57129mn0220022-00_sbc.pdf "2026_57129mn0220022-00_sbc.pdf")[564 Benefit booklet](https://bluecrossmn.widen.net/content/8c7dn0jiha/original/57129mn022002200.pdf "57129mn022002200.pdf")**Gold**High Value Gold $500 Plan 556$500/$1,000[556 Benefit summary](https://bluecrossmn.widen.net/content/7cgxdcd1wp/original/2026-high-value-556-benefit-summary.pdf "2026-high-value-556-benefit-summary.pdf")[556 SBC](https://bluecrossmn.widen.net/content/nfj74zyt8v/original/2026_57129mn0220012-00_sbc.pdf "2026_57129mn0220012-00_sbc.pdf")[556 Benefit booklet](https://bluecrossmn.widen.net/content/y2u7fys3vd/original/57129mn022001200.pdf "57129mn022001200.pdf")High Value Gold $1,000 Plan 664$1,000/$2,000[664 Benefit summary](https://bluecrossmn.widen.net/content/mpind1hpnr/original/2026-high-value-664-benefit-summary.pdf "2026-high-value-664-benefit-summary.pdf")[664 SBC](https://bluecrossmn.widen.net/content/fbzdk9ombs/original/2026_57129mn0220005-00_sbc.pdf "2026_57129mn0220005-00_sbc.pdf")[664 Benefit booklet](https://bluecrossmn.widen.net/content/vg6a72dmgx/original/57129mn022000500.pdf "57129mn022000500.pdf")High Value Gold $2,000 Plan 557$2,000/$4,000[557 Benefit summary](https://bluecrossmn.widen.net/content/gjd8oegges/original/2026-high-value-557-benefit-summary.pdf "2026-high-value-557-benefit-summary.pdf")[557 SBC](https://bluecrossmn.widen.net/content/kyjjklju3v/original/2026_57129mn0220013-00_sbc.pdf "2026_57129mn0220013-00_sbc.pdf")[557 Benefit booklet](https://bluecrossmn.widen.net/content/5x5kkgy7r8/original/57129mn022001300.pdf "57129mn022001300.pdf")High Value Gold $2,700 Rx Copay Plan 585$2,700/$5,400[585 Benefit summary](https://bluecrossmn.widen.net/content/2oehejdlnl/original/2026-high-value-585-benefit-summary.pdf "2026-high-value-585-benefit-summary.pdf")[585 SBC](https://bluecrossmn.widen.net/content/hcwlkv7k1g/original/2026_57129mn0220021-00_sbc.pdf "2026_57129mn0220021-00_sbc.pdf")[585 Benefit booklet](https://bluecrossmn.widen.net/content/20lcpgawh8/original/57129mn022002100.pdf "57129mn022002100.pdf")High Value HSA Gold $3,050 Plan 558$3,050/$6,100[558 Benefit summary](https://bluecrossmn.widen.net/content/uhln2ribbd/original/2026-high-value-558-benefit-summary.pdf "2026-high-value-558-benefit-summary.pdf")[558 SBC](https://bluecrossmn.widen.net/content/aptmljeiua/original/2026_57129mn0220014-00_sbc.pdf "2026_57129mn0220014-00_sbc.pdf")[558 Benefit booklet](https://bluecrossmn.widen.net/content/xgpqpg90du/original/57129mn022001400.pdf "57129mn022001400.pdf")High Value HSA Gold $3,400 Plan 565$3,400/$6,800[565 Benefit summary](https://bluecrossmn.widen.net/content/osisfhsgdf/original/2026-high-value-565-benefit-summary.pdf "2026-high-value-565-benefit-summary.pdf")[565 SBC](https://bluecrossmn.widen.net/content/xbwbmybbwe/original/2026_57129mn0220023-00_sbc.pdf "2026_57129mn0220023-00_sbc.pdf")[565 Benefit booklet](https://bluecrossmn.widen.net/content/hqfdqndc19/original/57129mn022002300.pdf "57129mn022002300.pdf")High Value HSA Gold $4,200 Plan 692$4,200/$8,400[692 Benefit summary](https://bluecrossmn.widen.net/content/1tjrpru66l/original/2026-high-value-692-benefit-summary.pdf "2026-high-value-692-benefit-summary.pdf")[692 SBC](https://bluecrossmn.widen.net/content/c2dcb15nua/original/2026_57129mn0220018-00_sbc.pdf "2026_57129mn0220018-00_sbc.pdf")[692 Benefit booklet](https://bluecrossmn.widen.net/content/v905ezqwia/original/57129mn022001800.pdf "57129mn022001800.pdf")**Platinum**High Value Platinum No Deductible Plan 559$0/$0[559 Benefit summary](https://bluecrossmn.widen.net/content/jnv4jmuitv/original/2026-high-value-559-benefit-summary.pdf "2026-high-value-559-benefit-summary.pdf")[559 SBC](https://bluecrossmn.widen.net/content/t6y3hcvzg3/original/2026_57129mn0220015-00_sbc.pdf "2026_57129mn0220015-00_sbc.pdf")[559 Benefit booklet](https://bluecrossmn.widen.net/content/sllubenuoq/original/57129mn022001500.pdf "57129mn022001500.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.