At Premera Blue Cross, we serve more than 2 million people - from individuals and families to Fortune 100 employer groups - with a focus on making healthcare work better for everyone.
As a leader with over 500 multi-state large groups, we deliver the industry’s
best pricing in total cost of care, best-in-class customer service, and
superior depth in network access and integration.
In addition, we invest in new tools and fresh-thinking employees
to help us find new, simpler ways to deliver care to our customers. As
a not-for-profit company based in the Northwest for more than 80 years, Premera
is the perfect blend of deep-rooted heritage and forward-focused innovation.
Complete guide to health benefit plans (100+ employees)
PersonalCare Plans (51+ employees)
Premera Preferred Choice plans (51-199 employees)
Essentials pharmacy plan guide (51+ employees)
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 Flex Adv: $500/$1,000
Preferred Choice Flex Adv: $1,000/$2,000
Preferred Choice PPO: $4,000
Preferred Choice PPO: $5,000
Preferred Choice PPO: $6,350
Preferred Choice Agg HSA: $1,500
Preferred Choice Agg HSA: $2,500
Preferred Choice Agg HSA: $3,000
Preferred Choice Emb HSA: $5,000
Preferred Choice Emb HSA: $6,450
Preferred Choice Flex Adv: $1,500/$3,000
Preferred Choice Flex Adv: $2,000/$4,000
Essentials: 15/30-50 Plan
OPTIMA $1,000 max (with Orthodontia)
OPTIMA $1,500 max (with Orthodontia)
OPTIMA $2,000 (with Orthodontia)
OPTIMA $2,500 (with Orthodontia)
Preference Essentials Voluntary $1,000
Get predictable costs without the risk. We will assume all of the financial risk and pay your employees' claims. You pay a stable, monthly premium.
Opt for a payment option that directly reflects your employees' health needs. With this option, you assume the financial risk. However, this option may also give you the opportunity to reduce your costs by encouraging your employees to actively engage
in their healthcare.
A combination of both fully insured and self-funded. Get the protection and flexibility of a self-funded plan without being overly expensive or complicated.
Competing for talent means offering a comprehensive benefits package. Premera Blue Cross partners with best-in-class companies to offer life and disability products to our employer groups and members while extending additional cost savings.
By adding life and disability products to Preferred Choice plans, you may be eligible for discounts on Premera Blue Cross medical premiums. Contact your Premera representative or producer to discuss your options.
Employers of 10 or more enrolled employees can choose from the following:
MetLife, Symetra, and The Hartford, are independent companies offering life and disability 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.
LifeWise Assurance Company assists groups with creating the right medical stop loss for their needs. If you elect to self fund your medical plan, this product provides a reinsurance contract to protect your group from catastrophic losses.
Ask your Premera Blue Cross representative or producer for details.
LifeWise Assurance Company and USAble Life are independent companies offering life and disability products to Premera Blue Cross employer groups and members. LifeWise Assurance Company and USAble do not provide Blue Cross Blue Shield products or services.
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.
Premera Preferred Choice overview 2017 (51-99 employees)
2017 medical plans benefit guide (51+ employees)
PersonalCare plan flyer (51+ employees)
2017 Dental benefit guide (51+ employees)
Your Choice $250 PPO
Your Choice $500 PPO
Your Choice $750 PPO
Your Choice $1,000 PPO
Your Choice $1,500 PPO
Your Choice $2,000 PPO
Your Choice $2,500 PPO
Your Choice $3,000 PPO
Your Choice $4,000 PPO
Your Choice $5,000 PPO
Your Choice $6,350 PPO
Your Future $1,500 HSA
Your Future $2,500 HSA
Your Future $3,000
Your Future $5,000 HSA
Your Future $6,450
2017-2018 Preferred Choice creditable coverage status report
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.
Your choices for testing are:
The CMS website offers general Information about Medicare Part D.
To learn more about Medicare Part D testing and to discuss your options, contact your producer or Premera account representative.
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.
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 employees get care at the right time.
Learn more about how the outpatient rehabilitation management program works and what steps your employees can take if a treatment plan is denied.
Western Washington - group sales (51+)
Eastern Washington - group sales (51+)
Western Washington John Casper425email@example.com
You'll get the most out of your benefits when you choose in-network doctors, healthcare providers, and hospitals.