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
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.
Our Peak Care plans offer lower costs for your bottom line and an innovative healthcare experience for your employees. See how Peak Care will benefit your business at peakcare.com/employer or download the Peak Care overview brochure.
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.
Learn more about the benefits of offering competitive dental and health plans.
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.
Healthier employees are happier and more productive employees. That's why we include a Premera wellness program with every fully insured health plan for small businesses–at no additional cost to you.
2020 small group creditable coverage status report
2019-2020 small group creditable coverage status report: If your plan year straddles 2019 and 2020, reference this report. It shows 2019 small group creditable coverage tested against 2020 Medicare Part D threshold amounts.
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.
Medicare secondary payer (MSP) laws are complex and can be confusing even to a seasoned healthcare administrator. Employers offering group health plans must comply with the 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.
This information is purely informational, does not modify your policy or coverage in any way, and should not be construed as legal advice or opinion. Additional information is available on the Centers for Medicare & Medicaid Services (CMS) website.
You can use the MSP change form to report group size and Medicare beneficiary changes to Premera that may impact MSP rules.
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
We'll work with you to find the best health plan options for your employees and budget.
Get a quote 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.