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New Options for Affordable Health Insurance

Health Insurance for Employers

Employers face the difficult job of managing employee healthcare costs while still providing quality coverage. Blue Cross of Idaho makes the job easier by offering a wide variety of health insurance plans specifically designed to meet your needs and budget, no matter the size of your business.

Healthy Measures is a wellness incentive you can apply to your healthcare coverage that rewards employees with a more affordable healthcare plan when they show a commitment to a healthy lifestyle. Learn more about Healthy Measures today!

If you are looking for small group employer coverage for your employees (between 2-50), explore our small group medical plans.

For employee groups of 50+

Preferred Blue® PPO

Our PPO members can seek care from whomever they choose, but can keep out-of-pocket expenses down by seeking care from contracting providers.

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Preferred Blue® PPO

Preferred Blue is one of our PPO plans for small groups (2-50 employees). Preferred Blue offers choice and flexibility, as well as lower premiums and out-of-pocket expenses.

Enrolled members can save money by using contracting healthcare providers (doctors, hospitals, and other covered providers). In-network physician office visits, including visits for wellness and preventive services, are covered after a $20 - $40 copayment. Additional services provided in the physician’s office such as lab, x-ray, and other diagnostic services, are subject to deductible and coinsurance requirements.

Preferred Blue members may choose to see noncontracting providers at any time. However, it is more expensive. Out-of-network services are subject to deductibles, higher coinsurance, and higher out-of-pocket maximums. Members may also be responsible for provider charges that exceed the maximum allowance. Also, there are some services that Preferred Blue does not cover when noncontracting providers are used.

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Preferred Blue® PPO

Preferred Blue is a PPO healthcare plan for large groups (51+ employees). Preferred Blue offers choice and flexibility as well as lower premiums and out-of-pocket expenses.

Enrolled members can save money by using contracting healthcare providers (doctors, hospitals, and other covered providers.) In-network physician office visits, including visits for wellness and preventive services, are covered after a $20 - $40 copayment. Additional services provided in the physician’s office such as lab, X-ray, and other diagnostic services, are subject to deductible and coinsurance requirements.

Preferred Blue members may choose to see out-of-network providers at any time. However, out-of-network services are subject to deductibles, higher coinsurance, and higher out-of-pocket maximums. Members may also be responsible for provider charges that exceed the maximum allowance. As Preferred Blue enrollees, your employees make the choice.

For employee groups of 50+

HSA Bluesm PPO

The flexibility of a traditional plan allows you to tailor a benefit package to fit your company's needs.

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HSA Bluesm PPO

The introduction of Health Savings Accounts (HSAs) has opened the door to a new breed of healthcare coverage. Paired with a high deductible health plan, an HSA works with you to manage your current and future healthcare needs. You can participate more actively in your healthcare spending decisions because the money in the account belongs to you.

HSA Blue is a Preferred Provider Organization (PPO) plan that meets the federal requirements for an HSA-compatible plan.

Financial Benefits

The beauty of an HSA is that contributions roll over each year and are portable if you should change jobs. Funds in an HSA can be used to help pay your deductible and out-of-pocket medical expenses. Any money left over will remain in your HSA account and grow tax-deferred. Withdrawals from your HSA for eligible medical expenses are exempt from federal and state taxes and contributions you make to your HSA, up to a specified limit (currently the lesser of the deductible or $3,100 a year for individuals and $6,250 a year for families for 2012), are tax-deductible at both the federal and state levels.

Flexible Coverage

The choice of healthcare providers is yours. HSA Blue has both in-network and out-of-network benefits. To get the most in benefit payments, you should choose providers from our PPO contracting network. Our extensive provider network will ensure that you receive quality healthcare at affordable rates.

HSA Blue will give you the protection you need to safeguard the health of your family by providing benefits for most inpatient and outpatient medical, surgical and preventive services, including office visits, hospital services, chiropractic care, therapy services, and prescription drugs.

Plan Options for Small Groups (2-50 Employees)

Deductible

Coinsurance

Out-of-Pocket Limit*

Individual/Family In/Out-of-Network Individual/Family
$2,000 / $4,000 90 / 70% $4,000 / $8,000
$2,000 / $4,000 80 / 60% $4,000 / $8,000
$3,000 / $6,000 90 / 70% $5,000 / $10,000
$3,000 / $6,000 80 / 60% $5,000 / $10,000
$5,000 / $10,000 100% $5,000 / $10,000

*The Out-of-Pocket Limit includes deductible and copayments for all options. It also includes coinsurance for plans with 90/70% or 80/60% coinsurance.

Prescription Drug Options

Major Medical

For plans with a $2,000 or $3,000 deductible, we pay 60% of the maximum allowance for covered prescription drugs after you have met your deductible. With a $5,000 deductible, we pay 100% of the maximum allowance for covered prescription drugs after you have met your deductible. When you go to your pharmacy, you will pay the entire cost of the drug. To be reimbursed, fill out a claim form and return it by mail.

HSA Administrators

An HSA administrator can help you set up and manage a health savings account that will provide the greatest financial benefit to you. Please note that Blue Cross of Idaho is not an HSA administrator. Rather, we have created HSA Blue to meet the requirements of a federally qualified high deductible health plan. If you need help finding an administrator, call your local Blue Cross of Idaho district office or talk to your insurance agent.

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HSA Bluesm PPO

The introduction of Health Savings Accounts (HSAs) has opened the door to a new breed of healthcare coverage. Paired with a high deductible health plan, an HSA works with you to manage your current and future healthcare needs. You can participate more actively in your healthcare spending decisions because the money in the account belongs to you.

HSA Blue is a Preferred Provider Organization (PPO) plan that meets the federal requirements for an HSA-compatible plan.

Financial Benefits

The beauty of an HSA is that contributions roll over each year and are portable if you should change jobs. Funds in an HSA can be used to help pay your deductible and out-of-pocket medical expenses. Any money left over will remain in your HSA account and grow tax-deferred. Withdrawals from your HSA for covered medical expenses will never be taxed, and contributions you make to your HSA, up to a specified limit (currently the lesser of the deductible or $2,850 a year for individuals and $5,450 a year for families for 2007), are tax-deductible at both the federal and state levels.

Flexible Coverage

The choice of healthcare providers is yours. HSA Blue has both in-network and out-of-network benefits. To get the most in benefit payments, you should choose providers from our PPO contracting network. Our extensive provider network will ensure that you receive quality healthcare at affordable rates.

HSA Blue will give you the protection you need to safeguard the health of your family by providing benefits for most inpatient and outpatient medical, surgical and preventive services, including office visits, hospital services, chiropractic care, therapy services, and prescription drugs.

Plan Options for Large Groups (51+ Employees)

Deductible

Coinsurance

Out-of-Pocket Limit*

Individual/Family In/Out-of-Network Individual/Family
$1,100 / $2,200 90 / 70% $3,000 / $6,000
$1,100 / $2,200 80 / 60% $3,000 / $6,000
$2,000 / $4,000 90 / 70% $4,000 / $8,000
$2,000 / $4,000 80 / 60% $4,000 / $8,000
$3,000 / $6,000 90 / 70% $5,000 / $10,000
$3,000 / $6,000 80 / 60% $5,000 / $10,000
$5,000 / $10,000 100% $5,000 / $10,000

*The Out-of-Pocket Limit includes deductible and copayments for all options. It also includes coinsurance for plans with 90/70% or 80/60% coinsurance.

Prescription Drug Benefits

For plans with a $2,000 or $3,000 deductible, there are two options. We will pay either 60% or 80% of the maximum allowance for covered prescription drugs after you have met your deductible. With a $5,000 deductible, we pay 100% of the maximum allowance for covered prescription drugs after you have met your deductible.

When you go to your pharmacy, you will have to pay the entire cost of the drug. To be reimbursed, fill out a  claim form and return it by mail.

HSA Administrators

An HSA administrator can help you set up and manage a health savings account that will provide the greatest financial benefit to you. Please note that Blue Cross of Idaho is not an HSA administrator. Rather, we have created HSA Blue to meet the requirements of a federally qualified high deductible health plan. If you need help finding an administrator, call your local Blue Cross of Idaho district office or talk to your broker.

For employee groups of 50+

Connected Caresm

Connected Care provides members coverage for proactive, quality care at an affordable price.

*Connected Care networks only availabe in southwestern and eastern Idaho.

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Connected Caresm

Blue Cross of Idaho's ConnectedCare plans bring your employees’ medical providers and health insurance together to offer proactive, quality care that meets their individual needs at a price that's good for your business.

*Connected Care networks only availabe in southwestern and eastern Idaho.

For employee groups of 50+

HSA Bluesm POS

The flexibility of a traditional plan allows you to tailor a benefit package to fit your company's needs.

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HSA Bluesm POS

The introduction of Health Savings Accounts (HSAs) has opened the door to a new breed of healthcare coverage. Paired with a high deductible health plan, an HSA works with you to manage your current and future healthcare needs. You can participate more actively in your healthcare spending decisions because the money in the account belongs to you.

HSA Blue POS is a Point of Service (POS) plan that meets the federal requirements for an HSA-compatible plan.

Financial Benefits

The beauty of an HSA is that contributions roll over each year and are portable if you change jobs. You can use funds in your HSA to help pay your deductible and out-of-pocket medical expenses. Any money left over will remain in your HSA account and grow tax-deferred. Withdrawals from your HSA for eligible medical expenses are exempt from federal and state taxes and contributions you make to your HSA, up to a specified limit (currently the lesser of the deductible or $3,100 a year for individuals and $6,250 a year for families for 2012), are tax-deductible at both the federal and state levels.

Flexible Coverage

The choice of healthcare providers is yours. HSA Blue has both in-network and out-of-network benefits. To get the most in benefit payments, you should choose providers from our POS contracting network. Our extensive provider network will ensure that you receive quality healthcare at affordable rates.

HSA Blue will give you the protection you need to safeguard the health of your family by providing benefits for most inpatient and outpatient medical, surgical and preventive services, including office visits, hospital services, chiropractic care, therapy services, and prescription drugs.

Plan Options for Small Groups (2-50 Employees)

Deductible

Coinsurance

Out-of-Pocket Limit*

Individual/Family In/Out-of-Network Individual/Family
$2,000 / $4,000 90 / 70% $4,000 / $8,000
$2,000 / $4,000 80 / 60% $4,000 / $8,000
$3,000 / $6,000 90 / 70% $5,000 / $10,000
$3,000 / $6,000 80 / 60% $5,000 / $10,000
$5,000 / $10,000 100% $5,000 / $10,000

*The Out-of-Pocket Limit includes deductible and copayments for all options. It also includes coinsurance for plans with 90/70% or 80/60% coinsurance.

Prescription Drug Options

Major Medical

For plans with a $2,000 or $3,000 deductible, we pay 60% of the maximum allowance for covered prescription drugs after you have met your deductible. With a $5,000 deductible, we pay 100% of the maximum allowance for covered prescription drugs after you have met your deductible. When you go to your pharmacy, you will pay the entire cost of the drug. To be reimbursed, fill out a claim form and return it by mail.

HSA Administrators

An HSA administrator can help you set up and manage a health savings account that will provide the greatest financial benefit to you. Please note that Blue Cross of Idaho is not an HSA administrator. Rather, we have created HSA Blue to meet the requirements of a federally qualified high deductible health plan. If you need help finding an administrator, call your local Blue Cross of Idaho district office or talk to your insurance agent.

For employee groups of 50+

HMO Blue®

HMO Blue has no deductible and low copayments for preventive care and other services received from in-network providers.

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HMO Blue®

Blue Cross of Idaho is pleased to offer HMOBlue as part of our broad range of options for healthcare coverage. Members have access to our statewide managed care network, including general practice physicians, medical specialists, hospitals and facilities.

When your employees enroll in HMOBlue, they will select a Primary Care Physician (PCP). The PCP will work with them to coordinate their overall care. PCPs may be chosen from our list of contracted general practitioners, family practitioners, internists, pediatricians, and obstetricians and gynecologists.

PCPs provide preventive care and immunizations, medical management of many chronic conditions, as well as treatment for minor illnesses and injuries. Many PCPs offer maternity care and minor outpatient surgery as well. Members of our managed care plans do not need a referral from their PCP to seek care from in-network contracting providers.

HMOBlue is our richest managed care plan with low copayments available for most services received from in-network providers. There are four distinct plans to choose from with variable options for PCP and non-PCP copayments.

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HMO Blue®

We are pleased to offer HMOBlue as part of our broad range of options for healthcare coverage. Members have access to our statewide managed care network, including general practice physicians, medical specialists, hospitals and facilities.

When your employees enroll in HMOBlue, they will select a Primary Care Physician (PCP). The PCP will work with them to coordinate their overall care. PCPs may be chosen from our list of contracted general practitioners, family practitioners, internists, pediatricians, and obstetricians and gynecologists.

PCPs provide preventive care and immunizations, medical management of many chronic conditions, as well as treatment for minor illnesses and injuries. Many PCPs offer maternity care and minor outpatient surgery as well. Members of our managed care plans do not need a referral from their PCP to seek care from in-network contracting providers.

HMOBlue is our richest managed care plan with low copayments available for most services received from in-network providers. There are four distinct plans to choose from with variable options for PCP and non-PCP copayments.

For employee groups of 50+

Blue Valuesm

Blue Value is our most affordable managed care plan. Choose from several copayment, deductible and out-of-pocket limit options.

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Blue Valuesm

Blue Value is our most cost-effective managed care plan with ten levels of coverage to choose from. Primary Care Physician (PCP) office visits to contracting providers are covered after a $20-$30 copayment while non-PCP office visits to contracting providers are covered after a $40-$50 copayment. It is important to note that with Blue Value, the office visit copayment does not cover lab, x-rays or other diagnostic services. As with other services received in-network, members are responsible for 30 or 40 percent coinsurance after they have met their deductible.

For out-of-network services, members are responsible for 50 or 60% coinsurance after meeting a separate, out-of-network deductible.

As with our other managed care plans, your employees will need to select a PCP from our statewide network of contracting providers. PCPs can be general practitioners, family practitioners, internists, pediatricians, and obstetricians and gynecologists. They oversee the healthcare of your employees and their enrolled family members while providing preventive care, immunizations and other healthcare services.

We encourage our managed care members to coordinate their healthcare through their PCP, but they do not need a referral to seek care from other contracting providers.

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Blue Valuesm

Blue Value is our most cost-effective managed care plan with many levels of coverage to choose from. Primary Care Physician (PCP) office visits to contracting providers are covered after a $20-$40 copayment while non-PCP office visits to contracting providers are covered after a $40-$60 copayment. It is important to note that with Blue Value, the office visit copayment does not cover lab, x-rays or other diagnostic services. As with other services received in-network, members are responsible for 10, 20 or 30 percent coinsurance after they have met their deductible.

For out-of-network services, members are responsible for 30, 40 or 50 percent coinsurance after meeting a separate, out-of-network deductible.

As with our other managed care plans, your employees will need to select a PCP from our statewide network of contracting providers. PCPs can be general practitioners, family practitioners, internists, pediatricians, and obstetricians and gynecologists. They oversee the healthcare of your employees and their enrolled family members while providing preventive care, immunizations and other healthcare services.

We encourage our managed care members to coordinate their healthcare through their PCP, but they do not need a referral to seek care from other contracting providers.

For employee groups of 50+

Business Bluesm

With Business Blue you can tailor a benefit package to fit your company's needs while giving your employees the greatest choice of healthcare providers.

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Business Bluesm

Blue Cross of Idaho presents Business Blue healthcare coverage for groups of 51 or more employees. Business Blue offers the flexibility to tailor a benefit package suited to fit your company's needs. It is structured with fundamental benefits already in place as a platform from which you customize your own plan. The standard benefits include physician office visits and hospital care, but you even customize this coverage by choosing the deductible, coinsurance and out-of-pocket limit.

You select from a wide range of options to expand the standard benefit package. You can choose your level of coverage for prescription drugs, or add dental care, or vision care to your group's benefit package. Supplemental accident benefits are also available. You have the option of adding these benefit categories and you have options within each category -- ensuring that you regulate the range of covered services you would like to make available to your employees. With Business Blue you're not only selecting a superior healthcare product -- you're also selecting the dependability of Blue Cross of Idaho.

Blue Cross of Idaho has the largest panel of contracting healthcare providers in the state. This means lower medical costs for you and your employees, since contracting providers have agreed to certain charges for most services for Blue Cross of Idaho enrollees. Blue Cross of Idaho will provide your employees with a Provider Directory. If your employees receive medical care from a Blue Cross of Idaho contracting provider, they will receive quality care at lower costs.

Blue Cross of Idaho's Business Blue maximizes your choices when it comes to your employees' healthcare coverage, while delivering lower premiums and out-of-pocket expenses.

Programs Available for Employers
Blue Cross of Idaho has a full line of programs and plans to complement your group health insurance coverage. From vision plans to employee assistance programs, we have what you need.

 

Find out about the ways Blue Cross of Idaho works to contain healthcare costs.

For further information on the plans and programs offered for employers, feel free to contact your broker or your local Blue Cross of Idaho district office.