With Blue Cross and Blue Shield of Minnesota, choose the health benefits that make sense for you and your employees. Small group plans are for employers with between 2-50 employees.
What makes Blue Cross different?
- Coverage everywhere your employees live, work and travel
- Tier 1 and Tier 2 insulin options for non-HSA plans, and Tier 1 insulin options for HSA plans, are included as a covered benefit with zero out-of-pocket cost for members
- Easy access to a national network of dental and vision providers and access points
- Better health within reach for your employees with tools and resources they can use to take charge of their health
- Preventive care benefits and fitness incentives at no additional cost
- Discounts on local and national products and services that complement overall wellness through Blue365®
Give us a call
1-855-295-6278, TTY 711
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. Learn more about Stability.
Choose from two networks
It’s your choice – the broadest network of health care providers for the most choice, or smaller ones for more savings. Learn more about small group networks.
- Stay in network to save money
- All plans include nationwide and worldwide coverage
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 offers access to providers across the state and pairs with High Value products. It offers more cost savings with a limited network of providers.
3 Ways a Blue Cross Agent Can Help You
Dental and vision coverage
Choose from popular options to protect employees' teeth and eyes.
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.
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.
See 2023 Small group BasicRx HSA preventive drug list (PDF)
For all other plans: Insulin on tier 1 and tier 2 is included as a covered benefit with $0 out-of-pocket cost.
See 2023 BasicRx individual, small group $0 insulin member cost-share drug list (PDF)
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 brand-name drugs.
- Generally includes preferred brand-name drugs. May include some higher-cost preferred generics.
- Includes both non-preferred and 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 non-preferred brand-name drugs. May include some higher-cost non-preferred generics.
- Includes both brand-name and generic drugs.
- Specialty drugs
Give us a call
1-855-295-6278, TTY 711