Large Business Plans (51+ Employees)

Premera knows how important it is for you to provide your clients with a comprehensive healthcare plan. That's why we offer medical, dental, and pharmacy plans that help control costs while providing coverage that balances personal responsibility and freedom of choice.

We make it easy and simple for you to support your clients by setting up new groups quickly and providing consultation that helps you and your clients better understand costs.

Our producer news center is the best source for tips and sales tools.

Health plans

Our custom plans provide coverage for the whole health of your clients' employees while keeping your costs in mind. Check out the following guides to find the best plan for your clients' needs.

2026 complete health plan guide (51+ employees)

2025 complete health plan guide (51+ employees)

Essentials pharmacy plan guide (51+ employees)

Premera Blue Cross HMO plan benefit highlights

Premera Blue Cross HMO

Premera Blue Cross HMO plans are available in King, Pierce, Spokane, and Thurston counties. PBC HMO offers a more member-centered health plan that aims at building a closer relationship between a member and their primary care provider.

Want to learn more about what Premera Blue Cross HMO can offer your clients?

Contact your Premera Blue Cross HMO sales representative for details.

Go to the HMO

2026 Preferred Choice HMO plans Medical plans Preferred Choice HMO: $500 Preferred Choice HMO: $1,000 Preferred Choice HMO: $1,500 Preferred Choice HMO: $2,000 Preferred Choice HMO: $3,000 Preferred Choice HMO: $4,000 Preferred Choice HMO: $5,000 Preferred Choice HMO: $6,000 Pharmacy plans Preferred Choice HMO: $10/$25/$45/30% Preferred Choice HMO: $10/$35/$70/30% Preferred Choice HMO: $10/$35/$75/50% Preferred Choice HMO: $15/$30/$50/30% Preferred Choice HMO: $15/$60/$100/50% - $150 DEDUCTIBLE 2024 Preferred Choice HMO plans Premera Blue Cross HMO flyer 2024 Premera Blue Cross HMO health plan guide (51+ employees) 2024 Premera Blue Cross HMO Preferred Choice health plan guide Preferred Choice HMO: $500 Preferred Choice HMO: $1,000 Preferred Choice HMO: $1,500 Preferred Choice HMO: $2,000 Preferred Choice HMO: $3,000 Preferred Choice HMO: $4,000 Preferred Choice HMO: $5,000 Preferred Choice HMO: $6,000	2025 Preferred Choice HMO plans 2025 health plan guide Premera Blue Cross HMO flyer Medical plans Preferred Choice HMO: $500 Preferred Choice HMO: $1,000 Preferred Choice HMO: $1,500 Preferred Choice HMO: $2,000 Preferred Choice HMO: $3,000 Preferred Choice HMO: $4,000 Preferred Choice HMO: $5,000 Preferred Choice HMO: $6,000 Pharmacy plans Preferred Choice HMO: $10/$25/$45/30% Preferred Choice HMO: $10/$35/$70/30% Preferred Choice HMO: $10/$35/$75/50% Preferred Choice HMO: $15/$30/$50/30% Preferred Choice HMO: $15/$60/$100/50% - $150 DEDUCTIBLE

Preferred Choice medical, dental, and pharmacy plan benefit highlights (51-199 employees)

Preferred Choice Producer Toolkit: Benefit highlights and step-by-step checklists for your new or renewing clients.

There are separate 2026 benefit highlights for fully insured and OptiFlex Preferred Choice plans. The fully insured plans include a Kinwell Connect cost share waiver where all services rendered and billed by any Kinwell Clinic are covered in full, while the OptiFlex plans apply standard cost shares to those services. Additionally, fully insured pharmacy plans offer a 90-day retail supply, whereas OptiFlex pharmacy plans are limited to a 30-day retail supply.

Fully insured 2026 medical plans Standard PPO 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 PPO: $4,000 Preferred Choice PPO: $5,000 Preferred Choice PPO: $6,350 Unlimited PPO plans (no vision) Preferred Choice Unlimited PPO: $250 Preferred Choice Unlimited PPO: $500 Preferred Choice Unlimited PPO: $750 Preferred Choice Unlimited PPO: $1,000 Preferred Choice Unlimited PPO: $1,500 Preferred Choice Unlimited PPO: $2,000 Preferred Choice Unlimited PPO: $2,500 Preferred Choice Unlimited PPO: $3,000 Preferred Choice Unlimited PPO: $5,000 Shared PPO plans (no vision) Preferred Choice Shared PPO: $250 Preferred Choice Shared PPO: $500 Preferred Choice Shared PPO: $750 Preferred Choice Shared PPO: $1,000 Preferred Choice Shared PPO: $1,500 Preferred Choice Shared PPO: $2,000 HSA plans Preferred Choice HSA: $1,700 Preferred Choice HSA: $2,500 Preferred Choice HSA: $3,400 Preferred Choice HSA: $3,500 Preferred Choice HSA: $4,000 Preferred Choice HSA: $5,000 Preferred Choice HSA: $6,450 HSA plans (no vision) Preferred Choice HSA: $1,700 Preferred Choice HSA: $2,000 Preferred Choice HSA: $3,000 Preferred Choice HSA: $3,500 Preferred Choice HSA: $5,500 BlueHPN plans Preferred Choice HPN: $1,000 Preferred Choice HPN: $2,000 Pathfinder PPO plans Preferred Choice Premera Pathfinder PPO: $500 Preferred Choice Premera Pathfinder PPO: $1,000 Preferred Choice Premera Pathfinder PPO: $1,500 Preferred Choice Premera Pathfinder PPO: $2,000 Preferred Choice Premera Pathfinder PPO: $3,000 Pathfinder EPO plans Preferred Choice Premera Pathfinder EPO: $500 Preferred Choice Premera Pathfinder EPO: $1,000 Preferred Choice Premera Pathfinder EPO: $3,000 Preferred Choice Premera Pathfinder EPO: $5,000 2026 pharmacy plans $10/$25/$50 $10/$35/$65 $10/$50/$75/40% $15/$30/$55 $15/$30/$55-$150 $15/$30/$55-$300 $15/$45/$75 $20/$50/50%/30% Essentials $10/$25/$55/30% Plan Essentials $15/$30/$60/30% Plan Essentials $15/$60/$100/50%-$150 Plan 2026 dental plans - Fully insured and OptiFlex Optima $1,000 Max Plan Optima $1,000 Max Plan (with Orthodontia) Optima Flex $1,000 Max Plan Optima Voluntary $1,000 Max Plan Optima $1,500 Max Plan Optima $1,500 Max Plan (with Orthodontia) Optima $1,500 Shared Family Plan Optima Flex $1,500 Max Plan Optima Flex $1,500 Max Plan (with Orthodontia) Optima Flex $1,500 Shared Family Plan Optima Voluntary $1,500 Max Plan Optima $2,000 Max Plan Optima $2,000 Max Plan (with Orthodontia) Optima $2,500 Max Plan Optima $2,500 Max Plan (with Orthodontia) 2025 medical plans Standard PPO 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 PPO: $4,000 Preferred Choice PPO: $5,000 Preferred Choice PPO: $6,350 Unlimited PPO plans (no vision) Preferred Choice Unlimited PPO: $250 Preferred Choice Unlimited PPO: $500 Preferred Choice Unlimited PPO: $750 Preferred Choice Unlimited PPO: $1,000 Preferred Choice Unlimited PPO: $1,500 Preferred Choice Unlimited PPO: $2,000 Preferred Choice Unlimited PPO: $2,500 Preferred Choice Unlimited PPO: $3,000 Preferred Choice Unlimited PPO: $5,000 Shared PPO plans (no vision) Preferred Choice Shared PPO: $250 Preferred Choice Shared PPO: $500 Preferred Choice Shared PPO: $750 Preferred Choice Shared PPO: $1,000 Preferred Choice Shared PPO: $1,500 Preferred Choice Shared PPO: $2,000 HSA plans Preferred Choice HSA: $1,650 Preferred Choice HSA: $2,000 Preferred Choice HSA: $2,500 Preferred Choice HSA: $3,000 Preferred Choice HSA: $3,300 Preferred Choice HSA: $3,500 Preferred Choice HSA: $4,000 Preferred Choice HSA: $5,000 Preferred Choice HSA: $6,450 Pathfinder EPO plans Preferred Choice Premera Pathfinder: $500 Preferred Choice Premera Pathfinder: $1,000 Preferred Choice Premera Pathfinder: $3,000 Preferred Choice Premera Pathfinder: $5,000 BlueHPN plans Preferred Choice HPN: $1,000 Preferred Choice HPN: $2,000 2025 pharmacy plans $10/$25/$45 $10/$35/$65 $15/$35 $15/$35-$150 $15/$35-$300 $15/$30/$50 $15/$30/$50-$150 $20/$50/50%/30% Essentials $10/$25/$45/30% Plan Essentials $15/$30/$50/30% Plan Essentials $15/$60/$100/50%-$150 Plan 2025 dental plans Optima $1,000 Max Plan Optima $1,000 Max Plan (with Orthodontia) Optima Flex $1,000 Max Plan Optima Voluntary $1,000 Max Plan Optima $1,500 Max Plan Optima $1,500 Max Plan (with Orthodontia) Optima $1,500 Shared Family Plan Optima Flex $1,500 Max Plan Optima Flex $1,500 Max Plan (with Orthodontia) Optima Flex $1,500 Shared Family Plan Optima Voluntary $1,500 Max Plan Optima $2,000 Max Plan Optima $2,000 Max Plan (with Orthodontia) Optima $2,500 Max Plan Optima $2,500 Max Plan (with Orthodontia) Willamette Dental $15/$30 Willamette Dental $20/$30 Willamette Dental $25/$30 2024 medical 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 PPO: $4,000 Preferred Choice PPO: $5,000 Preferred Choice PPO: $6,350 Preferred Choice HSA: $1,600 Preferred Choice HSA: $2,500 Preferred Choice HSA: $3,200 Preferred Choice HSA: $3,500 Preferred Choice HSA: $4,000 Preferred Choice HSA: $5,000 Preferred Choice HSA: $6,450 Preferred Choice Premera Pathfinder: $500 Preferred Choice Premera Pathfinder: $1,000 Preferred Choice Premera Pathfinder: $3,000 Preferred Choice Premera Pathfinder: $5,000 Preferred Choice HPN: $1,000 Preferred Choice HPN: $2,000 2024 pharmacy plans $10/$25/$45 $15/$35 $15/$35-$150 $15/$35-$300 $15/$30/$50 $15/$30/$50-$150 $20/$50/50%/30% Essentials $10/$25/$45/30% Plan Essentials $15/$30/$50/30% Plan Essentials $15/$60/$100/50%-$150 Plan HMO $10/$25/$45/30% Plan HMO $10/$35/$70/30% Plan HMO $10/$35/$75/50% Plan HMO $15/$30/$50/30% Plan HMO $15/$60/$100/50% - $150 Plan 2024 dental plans Optima $1,000 Max Plan Optima $1,000 Max Plan (with Orthodontia) Optima Flex $1,000 Max Plan Optima Voluntary $1,000 Max Plan Optima $1,500 Max Plan Optima $1,500 Max Plan (with Orthodontia) Optima $1,500 Shared Family Plan Optima Flex $1,500 Max Plan Optima Flex $1,500 Max Plan (with Orthodontia) Optima Flex $1,500 Shared Family Plan Optima Voluntary $1,500 Max Plan Optima $2,000 Max Plan Optima $2,000 Max Plan (with Orthodontia) Optima $2,500 Max Plan Optima $2,500 Max Plan (with Orthodontia) Essentials $1,000 Essentials 20% $1,000 Willamette Dental $15/$30 Willamette Dental $20/$30 Willamette Dental $25/$30	OptiFlex 2026 medical plans Standard PPO 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 PPO: $4,000 Preferred Choice PPO: $5,000 Preferred Choice PPO: $6,350 Unlimited PPO plans (no vision) Preferred Choice Unlimited PPO: $250 Preferred Choice Unlimited PPO: $500 Preferred Choice Unlimited PPO: $750 Preferred Choice Unlimited PPO: $1,000 Preferred Choice Unlimited PPO: $1,500 Preferred Choice Unlimited PPO: $2,000 Preferred Choice Unlimited PPO: $2,500 Preferred Choice Unlimited PPO: $3,000 Preferred Choice Unlimited PPO: $5,000 Shared PPO plans (no vision) Preferred Choice Shared PPO: $250 Preferred Choice Shared PPO: $500 Preferred Choice Shared PPO: $750 Preferred Choice Shared PPO: $1,000 Preferred Choice Shared PPO: $1,500 Preferred Choice Shared PPO: $2,000 HSA plans Preferred Choice HSA: $1,700 Preferred Choice HSA: $2,500 Preferred Choice HSA: $3,400 Preferred Choice HSA: $3,500 Preferred Choice HSA: $4,000 Preferred Choice HSA: $5,000 Preferred Choice HSA: $6,450 HSA plans (no vision) Preferred Choice HSA: $1,700 Preferred Choice HSA: $2,000 Preferred Choice HSA: $3,000 Preferred Choice HSA: $3,500 Preferred Choice HSA: $5,500 BlueHPN plans Preferred Choice HPN: $1,000 Preferred Choice HPN: $2,000 2026 pharmacy plans $10/$25/$50 $10/$35/$65 $10/$50/$75/40% $15/$30/$55 $15/$30/$55-$150 $15/$30/$55-$300 $15/$45/$75 $20/$50/50%/30% Essentials $10/$25/$55/30% Plan Essentials $15/$30/$60/30% Plan Essentials $15/$60/$100/50%-$150 Plan

Premera Pathfinder plans

Premera Pathfinder delivers a balance of savings, access, and flexibility for fully insured groups. Premera Pathfinder is a plan designed to support primary care usage that can lead to overall lower total cost of care for employers and improved health outcomes for their workforce.

Savings and flexibility

Employers can save up to 6% compared to other EPO deductibles and up to 3% compared to PPO deductibles. In 2026, Premera Pathfinder will be available in our Preferred Choice portfolio as PPO or EPO and EPO in our flexible plans.

Members only pay a $5 copay for virtual and in-person primary care office visits with their designated primary care provider (PCP). While members can save by using their designated PCP, it’s not required, and referrals aren’t required either.

Network access

Premera Pathfinder uses the Heritage network that offers easy access to care throughout Washington state. It also includes access to national BlueCard providers, and to Kinwell advanced primary care clinics, our preferred provider partner.

Is Premera Pathfinder a good fit for your employer clients?

Contact your Premera account representative today for more information and check out the Premera Pathfinder flyer.

2026 Pathfinder PPO plans

Preferred Choice Premera Pathfinder PPO: $500

Preferred Choice Premera Pathfinder PPO: $1,000

Preferred Choice Premera Pathfinder PPO: $1,500

Preferred Choice Premera Pathfinder PPO: $2,000

Preferred Choice Premera Pathfinder PPO: $3,000

2026 Pathfinder EPO plans

Preferred Choice Premera Pathfinder EPO: $500

Preferred Choice Premera Pathfinder EPO: $1,000

Preferred Choice Premera Pathfinder EPO: $3,000

Preferred Choice Premera Pathfinder EPO: $5,000

Premera dental plans

New for 2026

Premera is expanding the Dental Choice network by joining the national Dental GRID¹, one of the country's leading national dental networks exclusively for members of participating Blue Cross Blue Shield plans. With the GRID+ network, the Dental Choice network will nearly double in size for all adult dental plans.

Good oral health is pivotal to overall health. When your clients offer their employees dental and medical benefits from Premera, they encourage healthy habits and support early detection and management of diseases.

You’ll find details about Premera dental plans and the advantages of bundling Premera dental with medical in the following guides:

¹The GRID Dental Corporation is a separate company that provides access to dental networks and services on behalf of participating Blue Cross Blue Shield plans.

Pharmacy plans

An integrated approach to medical and pharmacy benefits simplifies administration; improves health and member experience; and manages total cost of care.

Choose from two pharmacy plans:

Preferred is a more comprehensive list of prescription drugs and provides access to a full spectrum of brand-name medications.

Essentials is a restricted list of prescription drugs that meets basic pharmacy needs. Essentials keeps costs as low as possible by focusing on high-value drugs that are approved by the U.S. Food and Drug Administration (FDA). Share our Essentials pharmacy plan guide with your clients looking for more information.

Specialty Pharmacy program

Premera Specialty Pharmacy program is for members who may require specialty medications usually used to treat complex or rare conditions. Premera partners with specialty pharmacies that help these members manage their specialty medications through:

Patient education
Clinical support for dosing and potential side effects
Medication ordering and delivery options
Working with the member to assure they are taking their medications correctly and compliant with the drug therapy

Exclusive Specialty Pharmacy for self-funded groups

As the specialty pharmacy market rapidly evolves, Premera Blue Cross continues to work toward providing the best quality and savings on high-cost prescriptions for our members with complex or rare conditions. That’s why we offer our self-funded groups a more focused approach to specialty pharmacy providers that maximizes plan savings while delivering individualized patient care to these members. Share this flyer on Exclusive Specialty Pharmacy with your group clients who want to learn more about the benefits.

Large group funding types

Fully insured

Group pays a fixed rate for employee health coverage. Premera pays all claims and assumes all risks for the group's health coverage.

Self-funded

Group assumes all the risk for providing healthcare benefits to its employees. This funding type offers the greatest amount of flexibility and plan customization.

OptiFlex

Group pays a fixed rate for employee health coverage, but has more flexibility compared to fully insured funding.

Life, disability, worksite insurance

Best-in-class benefits

Competing for talent means offering a comprehensive benefits package. Premera Blue Cross partners with best-in-class companies to allow you to offer life and disability products to your clients while extending additional cost savings.

Did you know…

When your group clients with 51-199 employees add life and disability products to their Preferred Choice plan, they may be eligible for discounts on Premera Blue Cross medical premiums.

Your group clients with 10 or more enrolled employees can choose from the following:

Group life insurance

Group term life
Accidental death and dismemberment
Supplemental life and AD&D
Dependent life

Disability coverage

Short-term disability coverage
Supplemental short-term disability coverage
Long-term disability coverage
Supplemental long-term disability coverage

Worksite coverage

Accident
Critical illness
Hospital indemnity

Preferred carriers

MetLife
Symetra
The Hartford
Equitable
Principal

MetLife, Symetra, The Hartford, Equitable, and Principal are independent companies offering life, disability, and worksite 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.

Stop loss

LifeWise Assurance Company assists your group clients with creating the right medical stop loss for their needs. If they elect to self fund their medical plan, this product provides a reinsurance contract to protect them from catastrophic losses.

LifeWise Assurance Company is an independent company offering life and disability products to Premera Blue Cross employer groups and members. LifeWise Assurance Company do not provide Blue Cross Blue Shield products or services.

Plan features
Kinwell advanced primary care
Reducing total cost of care and improving health outcomes have one thing in common—primary care. The Kinwell primary care model looks at the whole member by integrating physical and behavioral health care. Premera Blue Cross and Premera Blue Cross HMO health plan members have access to Kinwell advanced primary care clinics across Washington state.

Kinwell provides Premera health plan members with:

7 to 10% total cost of care savings based on attributed members

Timely access, with 60% of patients seen within 10 days

16 locations within 10 miles of 600,000 members

Kinwell programs exclusive to Premera large groups:

Kinwell Connect for OptiFlex and self-funded groups

Kinwell Participation Program for fully insured groups (51+)

Kinwell does more than just provide care. Premera Blue Cross and Premera Blue Cross HMO health plan members can enroll in courses on coping skills and lifestyle medicine. Visit health and wellness to find out more.

24-hour care options
Premera large group medical plans include convenient options for employees to access care or their health plan information online, with our mobile app, or by phone.

Premera Health Hub
For self-funded groups, Premera Health Hub connects members to a virtual care network of wellness and condition management point solutions. Premera Health Hub covers a broad range of conditions and is tailored to the member's unique needs and can result up to 3% total medical spend reduction.

24-Hour NurseLine

Members get free, confidential health advice from a nurse by phone any time, day or night, with our 24-Hour NurseLine.

Virtual care

Every medical plan comes with virtual care options for urgent/primary care, mental health, and substance use disorder.

The Premera mobile app

Our redesigned mobile app enables employees to find their health plan information, access virtual care providers, and search for a provider at any time.

Personal funding accounts
Our personal funding account options 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 increase their employees' responsibility for healthcare expenses and decisions.

Personal funding account benefits

Members have more choices and control over their healthcare spending

Members can offset out-of-pocket expenses with potential tax advantages

Potential tax savings for employers

HSA On Demand

HSA on Demand gives members 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

Provider networks
We believe a network is more than just a collection of contracts—it's a foundation for making healthcare easier to access and improving outcomes for our members. Our approach to network design is rooted in our goal to make it easier for members to access the right care, at the right place, at the right time. As a result, we offer greater network stability and deep discounts for covered in-network services.

Heritage network

Our broadest provider network offers access to over 120 hospitals and 9,400 primary care providers in Washington state. The network includes CHI Franciscan Health and Providence Health & Services systems.

Heritage Prime network for select plans

This tailored provider network offers access to more than 46,000 providers and 100 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.

Check out the Heritage Prime flyer to see the key benefits of this network and a partial list of current providers.

National and worldwide network coverage with BlueCard™

With any Premera health plan, you have access to the BlueCard Program, which connects you to networks of contracted preferred and participating Blue Cross Blue Shield providers across the country. These networks provide valuable discounts and the convenience of direct billing. The BlueCard Program also includes worldwide coverage through Blue Cross Blue Shield Global Core, giving members access to an international network of participating doctors and hospitals for a broad range of medical care services—so you can feel safe wherever you go.

Sherwood HMO network

For Premera Blue Cross HMO plans, the Sherwood HMO network is designed to provide high-quality care to members who mainly want care close to where they spend most of their time. The Sherwood HMO network includes King, Pierce, Thurston, and Spokane counties. Learn more about the Sherwood HMO network.

*Consortium Health Plans, Inc. Network Compare Key Findings as of June 5, 2015. Available at chpmarketquest.com.
Resources
Large group forms
Large group forms have moved

To access forms for group sales, Premera Blue Cross HMO, personal funding accounts, and more, visit our newly updated forms page.

Medicare Part D information
Preferred Choice creditable coverage status report

2025-2026 Preferred Choice Creditable Coverage Status Report

2025 Preferred Choice Creditable Coverage Status Report

2024-2025 Preferred Choice Creditable Coverage Status Report

2024 Preferred Choice Creditable Coverage Status Report

Medicare Part D testing options

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.

Choices for testing are:

Premera can provide some of the data for employers to do their own testing.

Premera's underwriting team can do the testing for employers, for a fee, using General Guidance methods.

The CMS website offers general Information about Medicare Part D.

To learn more about Medicare Part D testing and to discuss your client's options, contact your Premera account representative.

Important reminder

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:

Creditable coverage

Model notice letters

Submission of CMS Medicare Part D Disclosure Form

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
Employers offering group health plans must comply with the Medicare Secondary Payer (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. The MSP laws are complex and can be confusing even to a seasoned healthcare administrator.

This section has been designed to provide a general overview of what your group clients need to know about MSP and related issues. It's purely informational, does not modify their policy or coverage in any way, and should not be construed as legal advice or opinion.

MSP change form – Form used for employer groups to report group size and Medicare beneficiary changes to Premera that may impact MSP rules.

Outpatient rehabilitation management
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 client's employees get care at the right time.

Learn more about how the outpatient rehabilitation management program works and what steps your client's employees can take if a treatment plan is denied.

Summary of benefits and coverage
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.

Large Business Plans (51+ Employees)

Health plans

Premera Blue Cross HMO

Want to learn more about what Premera Blue Cross HMO can offer your clients?

2026 Preferred Choice HMO plans

2024 Preferred Choice HMO plans

2025 Preferred Choice HMO plans

Fully insured 2026 medical plans

2026 pharmacy plans

2026 dental plans - Fully insured and OptiFlex

2025 medical plans

2025 pharmacy plans

2025 dental plans

2024 medical plans

2024 pharmacy plans

2024 dental plans

OptiFlex 2026 medical plans

2026 pharmacy plans

Savings and flexibility

Network access

Is Premera Pathfinder a good fit for your employer clients?

New for 2026

Choose from two pharmacy plans:

Specialty Pharmacy program

Exclusive Specialty Pharmacy for self-funded groups

Fully insured

Self-funded

OptiFlex

Best-in-class benefits

Did you know…

Group life insurance

Disability coverage

Worksite coverage

Preferred carriers

Plan features

Premera large group medical plans include convenient options for employees to access care or their health plan information online, with our mobile app, or by phone.Premera Health Hub

24-Hour NurseLine

Virtual care

The Premera mobile app

Personal funding account benefits

HSA On Demand

Heritage network

Heritage Prime network for select plans

National and worldwide network coverage with BlueCard™

Sherwood HMO network

Resources

Large group forms have moved

Preferred Choice creditable coverage status report

Medicare Part D testing options

Important reminder

Submission of CMS Medicare Part D Disclosure Form

Premera large group medical plans include convenient options for employees to access care or their health plan information online, with our mobile app, or by phone.

Premera Health Hub