For businesses with 100+ employees, you can choose from a range of plans to find the right balance between budget and healthcare needs for both your business and employees.
Preventive screenings and services covered in full
Professional and naturopathic services covered with no visit or dollar maximum
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We'll work with you to find the best health plan options for your employees and budget.
A preferred provider organization (PPO) plan with coverage for a wide range of medical services and includes coverage for out-of-network providers.
Choice of Heritage or Heritage Prime network with 30,000+ providers statewide.
You can split copay options, with a lower copay for non-specialists and higher copay for specialist.
An exclusive provider organization (EPO) plan with the same coverage of medical services as Your Choice, but no coverage for out-of-network providers.
Choice of Heritage network with 30,000+ providers statewide.
Saves you and your employees money by encouraging use of in-network doctors and hospitals.
A high deductible plan designed to work with an employee-owned, tax advantaged health savings account (HSA).
You can better control costs and increase employee responsibility for healthcare expenses and decisions.
An exclusive provider organization (EPO) plan for Pierce, Thurston, and Spokane counties
Tahoma network with 4,100 exclusive providers statewide
Employees get a simple and easy customer experience while ensuring they receive the care they need at a lower cost.
A plan with broad access to providers and uses financial incentives to encourage use of the most cost-efficient doctors and hospitals.
Divides Premera’s Heritage network into two levels based on cost efficiency, helping your employees find quality care—on their terms and at a fair price.
2021 Complete guide to health benefits
All medical plans are required to include a pharmacy plan. Prescription drug coverage is already included on HSA medical plans.
Keep costs as low as possible by focusing on high-value drugs that are approved by the U.S. Food and Drug Administration (FDA).
Preferred pharmacy plans cost more, but are comprehensive and provide access to a full spectrum of brand-name medications.
Premera uses cost-saving incentives to encourage our customers to use generic or preferred brand-name drugs, with even greater savings if they use a mail-order service.
Add one of our 4 dental plans for comprehensive coverage.
Employees pay the same cost share for in and out-of-network dental providers.
You can also choose the Dental Optima Voluntary plan which requires no employer contribution and employee contributions can be made on a pre-tax basis.
Employees pay a lower cost share when seeing in-network dental providers.
You can also choose the Dental Preference Voluntary plan which allows you to offer dental coverage at little or no cost to you. Fund your employees up to 50% of their plan cost.
Dental plans offer access to 281,000 in-network dental providers nationwide and a streamlined experience with one ID card, one customer service number, and one secure account.
Make it easier to manage your employee benefit plan by including vision and hearing benefits.
Choose between an exam-only or exam-plus eyeware plan.
When you offer vision coverage as a separate option, benefits for customers younger than 19 are the same as benefits for adults.
Choose between an exam-only or exam-plus hardware plan.
You and your employees enjoy the ease of dealing with just one health plan, with one ID card, one customer service number, and one secure account.
Fully insuredPremera assumes financial risk, you pay a stable, monthly premium.
Self-fundedYou assume financial risk, but have a payment option that reflects your employees' needs.
OptiFlexA protected and flexible combination of both fully insured and self-funded funding types.
Learn more about the health benefits and provider networks included in the large business customizable plans.