At Premera Blue Cross, we serve more than 2 million people - from individuals and families to Fortune 100 employer groups - with a focus on making healthcare work better for everyone.
As a leader with over 500 multi-state large groups, we deliver the industry’s best pricing in total cost of care, best-in-class customer service, and superior depth in network access and integration.
In addition, we invest in new tools and fresh-thinking employees to help us find new, simpler ways to deliver care to our customers. As a not-for-profit company based in the Northwest for more than 80 years, Premera is the perfect blend of deep-rooted heritage and forward-focused innovation.
Our custom plans provide coverage for the whole health of your employees while keeping your costs in mind. Check out the following guides to find the best plan for your employees' needs.
Complete guide to health benefit plans (100+ employees)
PersonalCare Plans (51+ employees)
Essentials pharmacy plan guide (51+ employees)
If you want to control costs and provide your employees with a health plan that offers access to a broad network of doctors and facilities, you want a health plan with flexibility. That’s why we designed Premera Flex Advantage.
Choosing your health plan is as easy as 1-2-3 with Preferred Choice – a collection of our most popular medical, pharmacy, and dental health plans.
Premera Preferred Choice plans
Preferred Choice PPO: $250
Preferred Choice PPO: $500
Preferred Choice PPO: $750
Preferred Choice PPO: $1,000
Preferred Choice PPO: $1,500
Preferred Choice PPO: $2,000
Preferred Choice PPO: $2,500
Preferred Choice PPO: $3,000
Preferred Choice Flex Adv: $500/$1,000
Preferred Choice Flex Adv: $1,000/$2,000
Preferred Choice PPO: $4,000
Preferred Choice PPO: $5,000
Preferred Choice PPO: $6,350
Preferred Choice Agg HSA: $1,500
Preferred Choice Agg HSA: $2,500
Preferred Choice Agg HSA: $3,000
Preferred Choice Emb HSA: $5,000
Preferred Choice Emb HSA: $6,450
Preferred Choice Flex Adv: $1,500/$3,000
Preferred Choice Flex Adv: $2,000/$4,000
Essentials: 15/30-50 Plan
OPTIMA $1,000 max (with Orthodontia)
OPTIMA $1,500 max (with Orthodontia)
OPTIMA $2,000 (with Orthodontia)
OPTIMA $2,500 (with Orthodontia)
Preference Essentials Voluntary $1,000
Get predictable costs without the risk. We will assume all of the financial risk and pay your employees' claims. You pay a stable, monthly premium.
Opt for a payment option that directly reflects your employees' health needs. With this option, you assume the financial risk. However, this option may also give you the opportunity to reduce your costs by encouraging your employees to actively engage
in their healthcare.
A combination of both fully insured and self-funded. Get the protection and flexibility of a self-funded plan without being overly expensive or complicated.
Competing for talent means offering a comprehensive benefits package. Premera Blue Cross partners with best-in-class companies to offer life and disability products to our employer groups and members while extending additional cost savings.
By adding life and disability products to Preferred Choice plans, you may be eligible for discounts on Premera Blue Cross medical premiums. Contact your Premera representative or producer to discuss your options.
Employers of 10 or more enrolled employees can choose from the following:
MetLife, Symetra, and The Hartford, are independent companies offering life and disability products to Premera Blue Cross employer groups and members, are solely responsible for their products and services, which are not Blue Cross Blue Shield products or services.
LifeWise Assurance Company assists groups with creating the right medical stop loss for their needs. If you elect to self fund your medical plan, this product provides a reinsurance contract to protect your group from catastrophic losses.
Ask your Premera Blue Cross representative or producer for details.
LifeWise Assurance Company is an independent company offering life and disability products to Premera Blue Cross employer groups and members. LifeWise Assurance Company does not provide Blue Cross Blue Shield products or services.
Premera's large business medical plans include convenient options for employees to access care or their health plan information online, with our mobile app, or by phone.
Members get free, confidential health advice from a registered nurse by phone any time, day or night, with our 24-Hour NurseLine.
Every medical plan comes with virtual care options. Video or phone consultations with a Teladoc® physician are available any time for a low copay.
Our redesigned mobile app enables employees to find their health plan information, or search for a doctor at any time.
We believe a network is more than just a collection of contracts. For decades, Premera has maintained the large network of doctors and medical facilities in Washington. As a result, we offer greater network stability and deep discounts for covered in-network services.
For employers with 51 or more employees, we offer a choice of networks so you can select the level of provider access and cost that works best for your employees and business needs.
Our broadest provider network offers access to 100% of Washington hospitals and 99% of primary care doctors in Washington state. Includes CHI Franciscan Health and Providence Health & Services systems.
This tailored provider network offers access to more than 34,765 doctors, clinics, and hospitals across Washington state that commit to quality care, managed costs, and a focus on the customer. Does not include CHI Franciscan Health and Providence Health & Services systems.
Whether your employees want access to the most providers in Washington state, or the highest savings, give them the ability to choose their network by offering both Heritage and Heritage Prime networks. Talk with your producer or Premera account manager to learn about your options.
With any Premera health plan, you have access to the BlueCard Program, which provides access to networks of contracted preferred and participating Blue Cross Blue Shield providers across the country. Just like here at home, these networks provide valuable discounts on billed charges and the added advantage of direct billing.
The BlueCard Program includes the added benefit of worldwide coverage with Blue Cross Blue Shield Global Core. This program provides members access to an international network of participating doctors and hospitals for a broad range of medical care services so they can feel safe wherever they go.
Premera Flex Advantage is designed to give your employees broad access to providers. All the while, it uses financial incentives to encourage them to select the providers who can deliver the most cost-efficient services.
Premera Flex Advantage flyer
Get more information about Premera Flex Advantage.
We care about your employee's health, nutrition, and fitness. That's why Premera Blue Cross offers members special perks at no extra costs.
Learn more about our range of member discounts
Note: Offers might not be available in all locations. Please have your employees check with the company offering the discount before making their purchase.
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.
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
Effective July 1, 2017, new and renewing large group clients (51+ employees) will have access to Premera's Wellness Program. The program offers fully insured and Optiflex groups support for creating a culture of wellness. It is a part of our health plan
offering and is simple to administer.
More information is available in the Wellness Program brochure.
We encourage large group employers to share information about this new program with their employees with easy-to-share flyers and copy-and-paste text on B'link. Just search for Wellness Program: Overview.
Employers are automatically enrolled in the Premera Wellness Program as a part of their health plan benefits.
Are your prospects or current clients looking for additional wellness support? We can help with that too. Our packaged wellness options feature consulting time with wellness experts, incentive assistance, and health education sessions. Learn more.
Premera Preferred Choice overview 2017 (51-99 employees)
2017 medical plans benefit guide (51+ employees)
PersonalCare plan flyer (51+ employees)
2017 Dental benefit guide (51+ employees)
Your Choice $250 PPO
Your Choice $500 PPO
Your Choice $750 PPO
Your Choice $1,000 PPO
Your Choice $1,500 PPO
Your Choice $2,000 PPO
Your Choice $2,500 PPO
Your Choice $3,000 PPO
Your Choice $4,000 PPO
Your Choice $5,000 PPO
Your Choice $6,350 PPO
Your Future $1,500 HSA
Your Future $2,500 HSA
Your Future $3,000
Your Future $5,000 HSA
Your Future $6,450
2017-2018 Preferred Choice creditable coverage status report
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.
Your choices for testing are:
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.
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 let their Medicare-eligible employees and dependents know 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:
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.
Premera is dedicated to helping our members get the best care after an illness or injury. Our outpatient rehabilitation management program reviews treatment plans to help your employees get care at the right time.
Learn more about how the outpatient rehabilitation management program works and what steps your employees can take if a treatment plan is denied.
As part of the Affordable Care Act of 2010, all health plans must provide a summary of benefits in a standard four-page format. These summaries help you understand how a plan works and makes comparing plans easier.
View summary of benefits coverage.
Western Washington John Casper425firstname.lastname@example.org
You'll get the most out of your benefits when you choose in-network doctors, healthcare providers, and hospitals.