Premera Blue Cross understands how important it is for you to provide your employees with a comprehensive benefits plan. That's why we offer health plans for our employers with 51 or more employees that help control costs while providing coverage that balances personal responsibility and freedom of choice.
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
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
Take advantage of our personal funding account options to 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 increased employee responsibility for healthcare expenses and decisions.
Adding plans with personal funding accounts can help groups to:
Learn more about
personal funding accounts.
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, The Hartford, and USAble 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.
Premera offers broad access to doctors and hospitals not only in Washington, but across the country. Together with the Blue Cross Blue Shield system, our extended network includes more than 95 percent of hospitals and 92 percent of physicians throughout
the United States—the largest contracted nationwide network available in our country—delivering the broadest access and lowest total cost of care available in all markets.*
Our strong relationships with providers help make the most of healthcare dollars with a focus on quality and cost-effective care.
Premera Flex Advantage is designed to give your employees broad access to providers. All the while, it uses financial incentives to encourage them to select the providers who can deliver the most cost-efficient services.
Premera Flex Advantage flyer
Get more information
about Premera Flex Advantage.
Managed Outpatient Rehabilitation Program Flyer
BestBeginnings Maternity engages parents from pregnancy through newborn care with personalized tools and support that encourages early risk discovery.
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.
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.
Effective July 1, 2017, new and renewing large group clients (51+ employees) will have access to Premera's Wellness Program. The program offers fully insured and Optiflex groups support for creating a culture of wellness. It is a part of our health plan offering and is simple to administer.
More information is available in the Wellness Program brochure.
We encourage large group employers to share information about this new program with their employees with easy-to-share flyers and copy-and-paste text on B'link. Just search for Wellness Program: Overview.
Employers are automatically enrolled in the Premera Wellness Program as a part of their health plan benefits.
Are your prospects or current clients looking for additional wellness support? We can help with that too. Our packaged wellness options feature consulting time with wellness experts, incentive assistance, and health education sessions. Learn more.
Western Washington - group sales (51+)
Eastern Washington - group sales (51+)
You'll get the most out of your benefits when you choose in-network doctors, healthcare providers, and hospitals.