Plans for employers with
2–50 employees
Choose the health benefits that make sense for you and your employees.
find an agent
Give us a call: 1-855-295-6278 (TTY 711)
Choose from two networks
It’s your choice — the broadest network of healthcare providers for the most choice, or smaller ones for more savings.
- Stay in network to save money
- All plans include nationwide and worldwide coverage
- Learn more about small group networks
Aware
Network
The Aware® Network offers easy access and the broadest network with the most healthcare providers across the state and is paired with BlueAccessSM products.
High Value
Network
The High Value Network is your best choice for quality care at an affordable price with a broad selection of healthcare providers across the state and pairs with High Value products.
Perks for small employers
Savings
Premiums aren't the only costs to consider when buying a health plan for your business. With Blue Cross and Blue Shield of Minnesota and Blue Plus, you and your employees will also save with:
- Free preventive care
- Limits on your in network out-of-pocket costs each year
That's not all. You and your employees also get health and wellbeing resources.
Convenience
You and your employees can connect with the care and information you want, when you want with:
- Access health information, from claims and benefit information to finding a doctor, on our member website
- Live, online interactive visits with a doctor
- Medications delivered to your door by mail
- No need for a referral to see an in-network specialist
Blue Care Advisor
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.
Blue Cross Stability plan: Predictability plus savings
Blue Cross StabilitySM is a self-insured solution that offers built-in risk protection with fixed monthly costs and the potential for a refund.
Dental and Vision coverage
Choose from popular options to protect employees' teeth and eyes.
Group Medicare plans
Choose from a broad portfolio of Group Medicare plan options to fit the needs of your retirees.
- National Network Access
- Flexibility to travel
- Health and wellbeing programs
- Simplified billing options
Prescription drug coverage
Pharmacy network
These plans include coverage for prescriptions filled at pharmacies in the Classic Pharmacy Network.
Covered drugs (formulary)
The BasicRx formulary included with these plans is a comprehensive list of covered generic and brand-name drugs.
Insulin coverage
For HSA plans: Insulin on tier 1 is included as a covered benefit with $0 out-of-pocket cost.
2024 Small group BasicRx HSA preventive drug list
For all other plans: Insulin on tier 1 and tier 2 is included as a covered benefit with $0 out-of-pocket cost.
2024 BasicRx individual, small group $0 insulin member cost-share drug list
Prescription drugs are grouped in cost tiers
The drug lists use tiered pricing. Tiers group drugs into different cost levels. (Higher-cost drugs are in higher tier numbers.) The tiers vary based on whether a plan works with a health savings account (HSA). The Aware Network and High Value Network plans have HSA and non-HSA plans.
Drug cost tiers for non-HSA plans:
- Generally includes preferred generics. May include some preferred brand-name drugs.
- Generally includes preferred brand-name drugs. May include some higher-cost preferred generics.
- Includes both non-preferred brand-name and generic drugs.
- Specialty drugs
- Not applicable
Drug cost tiers for HSA plans:
- Includes only drugs identified on the BasicRx Small Group HSA preventive drug list.
- Generally includes preferred generics. May include some preferred brand-name drugs.
- Generally includes preferred brand-name drugs. May include some higher-cost preferred generics.
- Includes both non-preferred brand-name and generic drugs.
- Specialty drugs
Flexible options help control costs
Whether you’re looking for a traditional plan design or options that maximize savings through increased cost sharing or more focused networks, Blue Cross has a variety of health plans to choose from.
- Great value at low cost – A variety of options offer flexibility to provide valuable benefits to your employees at a cost to fit your budget.
- Coverage where your employees live, work and travel – No matter what state your employees live in, they’ll have the same benefit plan as your Minnesota employees. BlueCard PPO and Global Core programs provide coverage beyond Minnesota. Additionally, GeoBlue offers plans that can be purchased for short or long-term international travel.
- More choice. More satisfaction. – Offering multiple plans to your employees provides the freedom to choose the plan that fits their individual and family needs. Talk with your Blue Cross representative about eligibility.
Insights and updates
Get the latest information to help you run your business
More for your money
As a nonprofit, we maximize your dollar to improve care and lower costs.
Peace of mind
Count on exceptional service to help you every step of the way. No surprises, or we’ll make it right.
Trusted partner
Our dedication to ensuring everyone has access to quality, affordable healthcare is unmatched.
Give us a call
1-855-295-6278, TTY 711