Small Business Plans (1-50 Employees)

  • Taking great care of our customers is important to us. That’s why we offer a range of benefits that support your clients and bring them more value, making it easier for you to retain your clients. Other benefits you get with Premera include the ease of creating proposals online with RapidRate,TM our small group quote tool.

    Our producer news center is the best source for tips and sales tools. 

    2025 plans

  • Sales materials for our 2025 medical, dental, pharmacy, and vision plans are available on the secure producer website. Just look for 2025 sales brochures in our Tools and Resources section.

    Log in and see what's available.

    Don't have an account? If you don't have access to the secure producer website, it's easy to create an account.

    New for 2026


    Premera is expanding the Dental Choice network by joining the national Dental GRID1, one of the country's leading national dental networks exclusively for members of participating Blue Cross Blue Shield plans. With the GRID+ network, the Dental Choice network will nearly double in size for all adult dental plans.

    Learn more about Dental Choice with the Dental GRID+ network.

    Premera offers three separate adult dental plans. Employers can pair these to provide adult dental coverage with any medical plan. With Adult Dental Optima, employers can offer their employees comprehensive coverage and flexibility to choose their dentist. Adult Dental Optima Voluntary provides dental coverage at little or no cost. 

    Every small business medical plan already includes an embedded pediatric dental plan.

    Sales materials for our 2025 medical, dental, pharmacy, and vision plans are available on the secure producer website. Just look for 2025 sales brochures in our Tools and Resources section.

    Log in and see what's available.

    Don't have an account? If you don't have access to the secure producer website, it's easy to create an account.

    1The GRID Dental Corporation is a separate company that provides access to dental networks and services on behalf of participating Blue Cross Blue Shield plans. 

    Small group packages

    Small business employers have several package options to choose from for adding financial benefits for their employees. See the brochure for more details.

    True group options

    Employers with 10 or more enrolled employees can choose from the following:

    Group life insurance

    Group life insurance

    • Group term life: Provides benefits to a beneficiary in the event of an employee's death
    • Accidental death and dismemberment: Provides benefits in the event of accidental death or dismemberment
    • Dependent life: Provides benefits to the employee in the event of dependent's death(s)
    • Disability coverage: Providers benefits for income replacement in the event an employee is unable to work due to an illness or injury
    • Supplemental life and AD&D: Provides additional coverage options for your employees

    Disability coverage

  • Plan features

  • Premera small group medical plans include convenient options for employees to access care or their health plan information online, with our mobile app, or by phone.

    24-Hour NurseLine

    Members get free, confidential health advice from a nurse by phone any time, day or night, with our 24-Hour NurseLine.

    Virtual care

    Every medical plan comes with virtual care options.

    The Premera mobile app

    Our redesigned mobile app enables employees to find their health plan information, or search for a doctor at any time.

    We know Alaska. We also know employees aren't static. Premera's employer plans give employees access to the Blue Cross Blue Shield Association's worldwide network of doctors and hospitals.

     

    Premera's qualified, high-deductible health plans with a health savings account (HSA) offer employees great basic coverage and a chance to save money and invest it for future IRS-approved medical expenses. HSA-qualified health plans allow employers to reduce their taxable income and receive lower monthly rates due to the higher annual plan deductibles.

    HSA plans help employees save in 3 major ways

    • Contributions are 100% tax deductible
    • Tax-free withdrawals for eligible healthcare expenses
    • Tax-free growth from interest earned and any earnings from investments

    Learn more about HSA accounts.

  • Resources

  • Small group creditable coverage status report

    The CMS website offers general information about Medicare Part D.

    Important reminder

    Premera no longer sends creditable coverage notices to members on behalf of groups with pharmacy plans prior to the Medicare annual open enrollment period.

    Employers will need to send the notifications required by the Medicare Modernization Act (MMA) to their Medicare-eligible employees and dependents. This act requires employers to let their Medicare-eligible employees and dependents know whether the prescription drug coverage in their employer health plan pays on average as much as the standard Medicare prescription drug coverage.

    Additional information is found at the following pages of the Centers for Medicare & Medicaid Services:

    Submission of CMS Medicare Part D Disclosure Form

    Federal law requires employer groups to notify the Centers for Medicare and Medicaid Services (CMS) if their prescription drug coverage for Medicare beneficiaries is creditable. CMS requires employer groups to submit a creditable coverage disclosure form each year or upon any change that could affect whether the drug coverage offered is creditable.

    Individual and Medicare Supplement

    We will continue to mail creditable coverage notices, as required under the MMA to individual and Medicare Supplement subscribers.

    Employers offering group health plans must comply with the Medicare Secondary Payer (MSP) statute and regulations (the MSP laws). These laws establish Medicare as the secondary payer to group health plan coverage in certain instances of dual healthcare coverage. The MSP laws are complex and can be confusing even to a seasoned healthcare administrator.

    This section has been designed to provide a general overview of what your group clients need to know about MSP and related issues. It's purely informational, does not modify their policy or coverage in any way, and should not be construed as legal advice or opinion.

    MSP change form – Form used for employer groups to report group size and Medicare beneficiary changes to Premera that may impact MSP rules.

    All the forms you need in one convenient place. Visit our producer forms resource for more information.