Our plan and network options help you achieve the right balance of access and cost, while giving your employees the benefits of having a BlueCard. We’ve served companies for more than 85 years, and we’re committed to investing in our local communities.
Premera features traditional PPO plans, as well as tax-advantaged, HSA-qualified options. Adult vision benefits can also be included with any medical plan. Several plan levels are available to ensure that you find the perfect fit for your employees
2018 Small Group Health Plan Guide
2018 dual choice matrix
Choice plans paired with our broadest selection of in-network providers under the Heritage network. HSA-qualified plans offer tax savings for both employers and employees.
Balance plans paired with Heritage Signature, a slightly smaller network than Heritage, but providing added cost savings for employers.
Medical plans with family dental benefits built right in – and the opportunity for employees to choose their desired network. By bundling pediatric and adult dental benefits with medical coverage, employees get well-rounded health coverage for their whole family and
access to our large provider network. All the while, employers get a one-stop-shopping experience for managing your benefits.
We also offer 2 separate dental plans. Employers can pair these to provide adult dental coverage with any medical plan you choose. With Adult Dental Optima, employers can offer their employees comprehensive coverage and flexibility to choose their dentist.
Specifically for employers with 5 employees or more, Adult Dental Optima Voluntary provides dental coverage at little or no cost.
Add a vision plan for adults to offer a complete benefits package. Pediatric vision benefits are included in each health plan.
Premera's 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.
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.
Premera's qualified, high-deductible health plans with a health savings account (HSA) offer your 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.
Learn more about
We care about your employees' 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.
We believe in working closely with doctors and hospitals to deliver for the customer together. That’s why our provider networks are more than just a collection of contracts—they give members access to quality care, good experiences, and services at a
For decades, Premera has maintained the largest 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 up to 50 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 - more than 38,400 providers, clinics, and hospitals across Washington state.
This tailored provider network offers access to more than 37,000 doctors, clinics, and hospitals across Washington state that commit to quality care, managed costs, and a focus on the customer.
Check out the Heritage Signature flyer to see the key benefits of this network and a partial list of current providers.
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 Signature networks.
Get help deciding which network is right for business, or if a dual offering is the way to go with the Heritage or Heritage Signature flyer.
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.
Healthier employees are happier and more productive employees. That's why we include the wellness program with every Premera health plan for small businesses -- at no additional
cost to you.
2018-2019 small group creditable coverage status report2017-2018 small group creditable coverage status report
2018 small group creditable coverage tested against 2019 Medicare Part D threshold amounts (if your plan straddles 2018 and 2019 reference this list).
The CMS website offers general Information about Medicare Part D.
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.
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 and coverage
Selecting healthcare coverage for your company can be confusing. Contact your insurance agent, or have someone representing Premera call you.
Sign up for a call today
B’link, our online resource center for employers, makes it simple and easy for you to help your employees understand and use their health plan. You’ll find flyers, emails, and copy-and-share content.