Adults sitting next to each other on the stairs while looking at a digital tablet.

Small group health plans with Aware Network

The Aware® Network is your best choice for easy access to the largest selection of healthcare providers across Minnesota.

Work with an agent

An agent can guide you through the entire decision-making process, helping you find the best plan for your needs.

Find an agent

Explore your options

Questions? Give us a call:

1-877-293-7035 (TTY 711)

Or use the decision guide as a tool to help you select a network and a plan that meets your needs.

View decision guide

Plan overview

Why choose an Aware Network plan?

With the nation’s preferred1 health plan, you get an unmatched nationwide network paired with deep local market understanding to support your changing workforce needs.

Broadest global network

With 98% of doctors and 100% of hospitals in Minnesota, this broad, open-access network makes it easy to get the care you need.

These plans include coverage while traveling outside of Minnesota. When you travel outside the state, you have access to 1.8 million providers nationwide through the national BlueCard® PPO network.

In addition, Blue Cross Blue Shield Global® Core gives you access to care in 190 countries and territories worldwide.

Choose plan features that meet your needs

Several cost-sharing options at different levels are offered:

  • Gold and platinum plans generally have higher premiums and offer more coverage for your employees
  • Silver and bronze plans generally have lower premiums and offer less coverage for your employees

 

Find doctors in the Aware Network

It's important to stay in the network. Your out-of-pocket costs will be higher when you see an out-of-network provider.

Find a doctor

Access to care in 190+

Countries worldwide and spans every U.S. ZIP code

98%

Claims paid in network2

4-9%

Lower total cost of care3 with BlueCard®

59%

Average savings4 with Bluecard PPO

Personalized experience

Better outcomes with Blue Care Advisor

Enhance employees’ health and wellbeing with a personalized experience.

Blue Care AdvisorSM brings together health, wellbeing, and navigation into one easy-to-use digital resource.

Employees can easily navigate total benefits and receive expert guidance to help them get the care they need to achieve better overall health.

Discover Blue Care Advisor

Benefits

Prescription drug coverage

Pharmacy network

These plans include coverage for prescriptions filled at pharmacies in the Classic Pharmacy Network.

Search pharmacy network

Covered drugs (formulary)

The BasicRx formulary included with these plans is a comprehensive list of covered generic and brand-name drugs.

View HSA plans drug list

View all other plans drug list

Included benefits and care options

Health and wellbeing support

In addition to the wellbeing features built in to Blue Care Advisor, we're introducing three new Omada programs in 2025:

  • Omada for prevention
  • Diabetes management
  • Hypertension management

Health spending accounts

Experience the advantages of your health plan and account administrator working together to give you and your employees a simple and seamless experience.

  • Health savings accounts (HSA)
  • Flexible spending accounts (FSA)
  • Health reimbursement arrangements (HRA)

Dental and vision coverage

Offer a dental or vision plan with a Blue Cross medical plan and you’ll enjoy one seamless experience.

Choose from popular options to protect employees' teeth and eyes.

View small group dental plans

View small group vision plans

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Online care

See a doctor right on your smartphone, tablet or computer with Doctor On Demand®. Board-certified doctors, psychiatrists and psychologists treat many common conditions.

Learn more about online care
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Online behavioral health therapy

Concerned about substance use, stress, insomnia, depression, social anxiety, panic or resilience? Learn to Live is an online program that’s available anytime to help you work through it.

Learn more about Learn to Live

Plan documents

BlueAccess plans with Aware Network Deductible Benefit summaries  Summary of benefits & coverage (SBC) Benefit booklet
Bronze
BlueAccess Bronze $9,200 Plan 618 $9,200/$18,400 618 Benefit summary 618 SBC 618 Benefit booklet
BlueAccess HSA Bronze $7,200 Plan 624 $7,200/$14,400 624 Benefit summary 624 SBC 624 Benefit booklet
BlueAccess HSA Bronze $8,300 Plan 598 $8,300/$16,600 598 Benefit summary 598 SBC 598 benefit booklet
Silver
BlueAccess Silver $3,100 Plan 623 $3,100/$6,200 623 Benefit summary 623 SBC 623 Benefit booklet
BlueAccess Silver $3,400 Plan 625 $3,400/$6,800 625 Benefit summary 625 SBC 625 Benefit booklet
BlueAccess Silver $4,200 Plan 626 $4,200/$8,400 626 Benefit summary 626 SBC 626 Benefit booklet
BlueAccess Silver $4,000 Plan 627 $4,000/$8,000 627 Benefit summary 627 SBC 627 Benefit booklet
BlueAccess Silver $4,500 Rx Copay Plan 582 $4,500/$9,000 582 Benefit summary 582 SBC 582 Benefit booklet
BlueAccess HSA Silver $3,300 Plan 632 $3,300/$6,600 632 benefit summary 632 SBC 632 Benefit booklet
BlueAccess HSA Silver $4,600 Plan 642 $4,600/$9,200 642 Benefit summary 642 SBC 642 Benefit booklet
BlueAccess HSA Silver $5,150 Plan 645 $5,150/$10,300 645 Benefit summary 645 SBC 645 Benefit booklet
BlueAccess HSA Silver $5,800 Plan 640 $5,800/$11,600 640 Benefit summary 640 SBC 640 Benefit booklet
BlueAccess HSA Silver $6,300 Plan 628 $6,300/$12,600 628 Benefit summary 628 SBC 628 Benefit booklet
Gold
BlueAccess Gold $500 Plan 635 $500/$1,000 635 Benefit summary 635 SBC 635 Benefit booklet
BlueAccess Gold $1,000 Plan 637 $1,000/$2,000 637 Benefit summary 637 SBC 637 Benefit booklet
BlueAccess Gold $2,000 Plan 652 $2,000/$4,000 652 Benefit summary 652 SBC 652 Benefit booklet
BlueAccess Gold $2,500 Rx Copay Plan 584 $2,500/$5,000 584 Benefit summary 584 SBC 584 Benefit booklet
BlueAccess HSA Gold $2,700 Plan 653 $2,700/$5,400 653 Benefit summary 653 SBC 653 Benefit booklet
BlueAccess HSA Gold $3,750 Plan 690 $3,750/$7,500 690 Benefit summary 690 SBC 690 Benefit booklet
Platinum
BlueAccess Platinum No Deductible Plan 655 $0/$0 655 Benefit summary 655 SBC 655 Benefit booklet

Support

1Blue Cross Blue Shield Association market insights data, 2024.

2Blue Cross Blue Shield Association Network portfolio statistics, January 2024, National Consulting Firm CY2021 Discount Benchmark.

3Blue Cross Blue Shield Association Network portfolio statistics, National Consulting Firm CY2019 Total Cost of Care Benchmark weighted by national census.

4Blue Cross Blue Shield Association Network portfolio statistics, CY2020 Market Cost Nationwide Report.

Prescription drug tiers: The drug lists use tiered pricing. Tiers group drugs into different cost levels. (Higher-cost drugs are in higher tier numbers.)

We feature a large network of healthcare providers. Each provider is an independent contractor and not our agent.

See a list of the network adequacy waivers the Minnesota Department of Health has approved for this plan.

Through the federal Public Health Emergency (PHE) related to the COVID-19 pandemic and authorized by section 319 of the Public Health Service Act, the Internal Revenue Service (IRS) created an exception that allows health savings account dollars to be used to pay for certain services, including e-visits/telephone consults, before deductible applies. Once the federal PHE has expired, deductible will apply for e-visits/telephone consults, unless the IRS issues further guidance.