Premera Blue Cross understands how important it is for employers to provide their employees with a comprehensive benefits plan. That's why we offer health plans that help control costs while providing coverage that balances personal responsibility and freedom of choice. Our portfolio of plans, tools, and health support resources empowers members to take control of their health and healthcare dollars, ultimately helping employers manage costs and improve employee productivity.
Available now for fully insured groups and Nov. 1, 2016, for renewals.
Selecting the perfect health plan is now as easy as 1-2-3, with Premera Preferred Choice!
Premera Preferred Choice offers employers:
Premera Preferred Choice Overview
Essentials drug list
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
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
Groups with 100 or more employees can choose from any of our standard product offerings. We'll also work collaboratively with you and your client to design a health plan program specific to their health benefit requirements.
2017 Medical Plans benefit guide
2016 Medical Plans benefit guide
PersonalCare Plan Flyer
Download the PersonalCare Plan video transcript
2017 Dental benefit guide
2016 DentalBlue benefit guide
Groups with 100-199 medical guides include all available plans as well as optional benefits. Additional vision and hearing benefit options are also available. Refer to the benefit guide for details.
Take advantage of our Personal Funding Account options to combine quality healthcare coverage with access to HSAs, HRAs, and FSAs. These options are ideal for employers looking to control healthcare costs or considering increased employee responsibility for healthcare expenses and decisions.
Adding plans with personal funding accounts can help groups to:
But encouraging employees to be healthier doesn't just help an employer's bottom line - it's also the right thing to do. And it reflects the vision to collaborate with employers in fostering a culture of health among employees and their families.
For more information, read and review our Personal Funding Account FAQ.
Pharmacy benefit coverage, which includes multi-level or coinsurance designs, encourages the use of generic drugs, but still gives members the option to choose a brand name drug at a higher out-of-pocket cost.
Your Choice, Your Focus, and Your World plans require pharmacy benefit coverage. Your Start and Your Future plans automatically include pharmacy benefits.
Additional vision and hearing benefit options are also available.
Refer to the benefit guide for details.
Effective July 1, 2017, new and renewing large group clients (51-499 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.
Learn more about the value of our new wellness program by checking out this flyer. We encourage you to share this new program with your large group prospects and current clients.
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.
Find a Doctor
24 Hour NurseLine
Preferred Choice creditable coverage status report
2017-2018 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.
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:
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.
More information on Medicare Part D Notification and Disclosure to CMS requirements is on cms.gov.
...with special discount offers for Premera Blue Cross members.
Western Washington - group sales (51+)
Eastern Washington - group sales (51+)
There are great reasons why thousands of Washingtonians choose Premera for their health plan
You'll get the most out of your benefits when you choose in-network doctors, healthcare providers, and hospitals.