Large Business Plans (51+ Employees)

  • Premera knows how important it is for you to provide your clients with a comprehensive healthcare plan. That’s why we offer comprehensive, tailored plans and services to customers in Alaska that include innovative programs focused on wellness and prevention, disease management, and patient safety.

    Our producer news center is the best source for tips and sales tools. You also get access to Alaska’s employee communications site which provides ready-to-share communications that can help you address client and employee questions.

    2019 plans

  • Sales materials for our 2019 group brochures and benefit highlights are available on the secure producer dashboard. Just look for 2019 sales brochures under the Tools and Resources section.

    Log in now 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 now.

    Take advantage of our personal funding account options to combine quality healthcare coverage with access to health savings accounts (HSAs), health reimbursement arrangements (HRAs), and flexible spending accounts (FSAs). These accounts are ideal for employers who are looking to control healthcare costs or increased employee responsibility for healthcare expenses and decisions.

    Personal funding account benefits

    • Employees have more choices and control over their healthcare spending
    • Employees can offset out-of-pocket expenses with potential tax advantages
    • Potential tax savings for employers

    HSA On Demand

    Offered through ConnectYourCare, HSA on Demand gives employees up-front funds when they don’t have enough money in their HSA account to cover qualified medical expenses. (This option is available for self-funded groups.)

    Learn more about personal funding accounts and HSA On Demand

    True group options

    Employers of 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 employee

    Disability coverage

    Stop loss

    Our affiliate, LifeWise Assurance Company*, assists groups to create just the right Medical Stop Loss for their needs. This product provides employers that elect to self-fund their medical plan a reinsurance contract to protect them from catastrophic losses.

  • Plan features

  • Premera's small group medical plans include convenient options for members 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 registered nurse by phone any time, day or night, with our 24-Hour NurseLine.

    Virtual care

    Every medical plan comes with virtual care options. Video or phone consultations with a Teladoc® physician are available any time for a low copay.

    The Premera mobile app

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

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

     

    We care about our members' health, nutrition, and fitness. That's why Premera offers members special perks at no extra costs.

    Find a variety of discounts on products and services, including:

    • Diet, nutrition, and supplements
    • Fitness clubs and gyms
    • Eye care services and hardware
    • Hearing aids and screenings
    • Newborn services and products

    Learn more about our range of member discounts

    Note: Offers might not be available in all locations. 

    Our personal funding account options combine quality healthcare coverage with access to health savings accounts (HSAs), health reimbursement arrangements (HRAs), and flexible spending accounts (FSAs). These accounts are ideal for employers who are looking to control healthcare costs or increased employee responsibility for healthcare expenses and decisions.

    Personal funding account benefits

    • Members have more choices and control over their healthcare spending
    • Members can offset out-of-pocket expenses with potential tax advantages
    • Potential tax savings for employers

    HSA On Demand

    Offered through ConnectYourCare, HSA on Demand gives members up-front funds when they don’t have enough money in their HSA account to cover qualified medical expenses. (This option is available for self-funded groups.)

    Learn more about personal funding accounts and HSA On Demand

    Wellness programs: Employees who feel better do better. That’s why we offer rewards to employers for participating in wellness programs aimed at equipping them with information and tools to create a culture of well-being within their workplace.

  • Resources

  • Proposals

    Request for rates form (51-99)

    Census template (51-99)

    Groups with 100 or more employees enrolled, please contact your Premera sales representative.

    Pre-renewal

    Group size certification

    Group enrollments

    Completed implementation materials must be received at Premera well in advance of the first of the month to ensure eligibility and receipt of ID cards by the groups start date.

    Follow these steps to complete your enrollment:

    1. Required documents:

      Group master application

      Circle, sign and date the Rate Exhibit to acknowledge your plan choice(s)

      Enrollment spreadsheet (membership adds/drops or plan changes)

      Other coverage questionnaire

    2. Return completed enrollment documents to AlaskaRFPs@premera.com or your Premera sales representative.

    Note: Forms and documents will be provided for any groups requesting self-funded or defined funded options. Binder check will be required for stop loss.

    Group renewals

    Completed renewal documents must be received at Premera well in advance of the first of the month for renewing groups beginning coverage on the first of the following month to ensure eligibility and receipt of ID cards, by the groups start date.

    Follow these steps to complete your renewal:

    Circle, sign and date the Rate Exhibit to acknowledge your plan choice(s)

    Required documents:

    1. Group verification report (provided by Premera)
    2. Enrollment spreadsheet (membership adds/drops or plan changes)
    3. Other coverage questionnaire
    4. Return completed documents to your Premera account manager

    Note: Forms and documentation will be provided for any groups requesting self-funded or defined funded options.

    Pharmacy

    Express Scripts home delivery mail-order form - Order prescription drugs through the mail from Express Scripts. On behalf of Premera, Express Scripts is an independent company providing pharmacy benefit services.

    Health, allergy & medication questionnaire - Complete this questionnaire for all new mail prescriptions to help protect yourself against potentially harmful drug interactions and side effects.

    Prescription drug reimbursement form - Apply for reimbursement of your prescription costs.

    Preferred Choice creditable coverage status report

    2018-2019 Preferred Choice creditable coverage status report

    Medicare Part D testing options

    Premera Blue Cross offers employers two options to support their Medicare Part D testing obligations. The testing tells if the pharmacy plan you offer meets the creditable coverage standard as compared with Medicare Part D.

    The Centers for Medicare and Medicaid Services (CMS) says drug coverage is creditable if the actuarial value of the coverage equals or exceeds the actuarial value of standard Medicare prescription drug coverage.

    You have two choices for testing:

    • Premera can give you data to do your own testing.
    • Our underwriting team can test for you, for a fee, using General Guidance methods.

    The CMS website offers general Information about Medicare Part D.

    To learn more about Medicare Part D testing and to discuss your options, contact your producer or Premera account representative.

    Important reminder

    Premera no longer sends creditable coverage status notices to members on behalf of groups with pharmacy plans

    Employers will need to provide the notifications as required by the Medicare Modernization Act (MMA) to their Medicare-eligible employees and dependents. This act requires employers to inform their Medicare-eligible employees and dependents whether the prescription drug coverage 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:

    Submitting the 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.

    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.

    Our outpatient rehabilitation management program reviews treatment plans to help our customers recovering from an injury get the right care at the right time.

    Outpatient rehabilitation management program flyer

    Access the secure producer dashboard for our most current producer training webinars. Just look under the section titled Learning Center.

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

    Healthy rewards for healthy employees

    We offer a variety of programs and services that are designed to keep employees healthy, lower costs and reward people for doing the right thing.

    More information about our Health and Wellness programs is available on the wellness page.