Healthier people, lower health care costs

Health plans aren’t one-size-fits-all. When you’re choosing which types of benefits to offer a large group of employees, you have a lot of options.

Health plans for 51+ employees

Our portfolio of large group health plans includes flexible plan designs and value-driven features that can help make the most of your health care spending. Plans may include:

• Varying copayment, coinsurance and deductible amounts
• In- and out-of-network benefits
• Tax-advantaged heath spending accounts, such as health savings accounts (HSAs), health reimbursement arrangements (HRAs) or flexible spending accounts (FSAs) – These encourage thoughtful decisions about how members spend for health services.
• Member-centered health management programs – When members are engaged, these programs help encourage healthy lifestyle choices and support those living with chronic conditions.
• Utilization management to help control costs, by ensuring that covered services are medically advisable and appropriate

Innovative BlueCross care models create incentives for providers to deliver people-focused, cost-effective care. Some examples:

• Bundled payment strategies aim to curb health care costs while maintaining the quality of services.
• Patient-centered medical homes (PCMHs) keep members connected to their caregivers – and make sure multiple caregivers are communicating with each other.
• Accountable care organizations (ACOs) link provider reimbursements with specific quality goals.

BlueCross has more PCMHs and ACOs than any other insurer in the country.