Preferred Choice Plans

  • With Preferred Choice plans, it’s all about flexibility. Create well-rounded health plans for your employees with 32 of our most popular medical plans, 10 pharmacy plans, and 17 dental plans to choose from.

    Get a quote for your business

    Get a quote today

    We'll work with you to find the best health plan options for your employees and budget.

    1. Choose your medical plans

    Select up to 2 medical plans from 32 options.

    Preferred provider organization plans (PPO)

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    Cost & coverage
    Wide-ranging premium and cost-share combinations, with deductibles starting at $250

    Office visit
    Copay of $20-$35

    Provider network
    Choice of Heritage or Heritage Prime network with 40,000+ providers statewide

    11 PPO plans, by deductible

    $250
    $1,500
    $4,000

    $500
    $2,000
    $5,000

    $750
    $2,500
    $6,350

    $1,000
    $3,000

    Health savings account (HSA) qualified PPO plans (Pharmacy benefits included)

    Cost & coverage
    Lower premiums and higher cost shares. Learn more about how HSA plans work.

    Office visit
    Employee pays 100% until deductible is met, then pays a percentage of the cost (coinsurance).

    Provider network
    Choice of Heritage or Heritage Prime network with 40,000+ providers statewide.

    7 HSA qualified PPO plans, by deductible

    $1,500
    $2,500

    $3,000
    $3,500

    $4,000
    $5,000

    $6,450

    Peak Care plans (Available in Pierce, Thurston, and Spokane counties)

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    Cost & coverage
    Lower premiums and cost shares for employees, when compared to PPO plans.

    Office visit
    Copay of $20 - $60.

    Provider network
    Tahoma network with 7,000+ exclusive providers statewide.

    Peak Care EPO plans, by deductible

    $0
    $100
    $250

    $500
    $1,000
    $1,500

    $2,000
    $3,000
    $4,000

    Peak Care HSA plans, by aggregate deductible

    $1,500

    $2,500

    $3,000

    BlueHPN plans

    Cost & coverage
    Wide variety of cost-share options in an EPO network.

    Office visit
    Cpoay of $25-$30

    Provider network
    Heritage prime network with 40,000+ providers.

    $1,000

    $2,000

    2. Choose a pharmacy plan

    Add one of our 10 pharmacy plans to any of the medical plans except for the HSA PPO, which already includes pharmacy benefits.

    Essentials pharmacy plans

    Cost & coverage
    Keeps costs as low as possible by focusing on high-value drugs that are approved by the U.S. Food and Drug Administration (FDA).

    Office visit
    Employee pays a copay or percentage of drug cost.

    Provider network
    Covers 30-day supply for retail and 90-day supply for mail order.

    3 Essentials plans by drug tier (Tier 1/ 2 / 3 / 4)

    $15/$60/$100/50%-$150

    $10/$25/$45/30%

    $15/$30/$50/30%

    7 other pharmacy plans by drug tier (Tier 1/ 2 / 3 / 4)

    $10/$25/$45
    $15/$35-300
    $20/$50/50%/30%

    $15/$35
    $15/$30/$50

    $15/$35-$150
    $15/$30/$50-$150

    3. Choose a dental plan

    Add one of our dental plans for comprehensive coverage.

    Preference and Optima dental plans

    Provider network
    Our dental plans feature a broad network with more than 273,000 locations nationwide.

    Orthodontia coverage
    The Optima with Ortho plan features orthodontia coverage for all ages.

    Waiting period
    The Optima Voluntary plan requires a 12-month waiting period for major dental services.

    17 dental plans, by annual maximum

    Optima plans
    $1,000
    $1,500
    $2,000
    $2,500

    Optima plans with ortho
    $1,000
    $1,500
    $2,000
    $2,500

    Optima Flex plans
    $1,000
    $1,500

    Optima Flex plans with ortho
    $1,500

    Optima Voluntary
    $1,000
    $1,500

    Optima 1500 Enhanced
    $1,500

    Optima Flex 1500 Shared Family
    $1,500

    Essentials Dental
    $0/$30/$50/$1,000
    $20/$40/$50/$1,000

  • Get a quote for your business

    Get a quote today

    We'll work with you to find the best health plan options for your employees and budget.