Discover a complete portfolio of standard to customizable, end-to-end health care solutions from Blue Cross and Blue Shield of Texas (BCBSTX).
Ask your agent, broker or consultant to contact us for details on large group (151+) solutions.
Large Group Health Insurance Plans
Better Value, Better Benefits, Better Business
As an experienced and trusted health insurance carrier, we’re committed to providing options that meet your unique needs, from innovative local offerings to national solutions. Our goal is uncovering your goals and meeting them. The network product is a big piece of a holistic health care solution.
The following network products1 are available for local, labor/municipal, and national groups with 151+ participants for both types of funding arrangements: fully insured and self-funded (aka Administrative Services Only or ASO). Exceptions noted.
Blue PremierSM
- HMO Plan: 13% Cost Savings relative to broad PPO2
- Cost-effective network with quality care and benefits
- Value-based care model with primary care provider (PCP) guided care
- Members can expect more personal interaction and guidance from their PCP, which can improve their overall long-term health
Available in over 20 counties in these metro areas: Dallas Fort Worth Metroplex, Austin, San Antonio, and Houston.
Blue Premier AccessSM
- HMO Plan: 12% Cost Savings relative to broad PPO2
- Cost effective network with quality care and benefits
- Value-based care model with no PCP selection or referrals required
Available in over 20 counties in these metro areas: Dallas Fort Worth Metroplex, Austin, San Antonio, and Houston.
Blue EssentialsSM
- HMO Plan: 9% Cost Savings relative to broad PPO2
- Cost effective network with quality care and benefits
- Standard HMO model with PCP guided care
- Members can expect more personal interaction and guidance from their PCP, which can improve their overall long-term health.
Available Statewide
Blue Choice PPOSM
- PPO Plan: 9% Cost Savings relative to broad PPO
- Leverages the BlueCard® PPO
- Provides access to the broad network of contracting physicians and hospitals at an affordable cost
- Maintain employee access and choice with statewide coverage of providers and deeper discounts than competitors
- An EPO option is also available for 500+ ASO groups
Available Statewide
Easily Boost Medical Benefits with Ancillary
We can combine our medical coverage with some of the most popular ancillary benefits in one quote. Package pricing3 combines medical coverage with other ancillary benefits and allows for a reduction in medical premium. Ask your agent, broker or consultant to add the following:
BCBSTX Supports Your Business
Health care benefits are a crucial part of recruiting new employees and retaining your existing workforce. That’s why BCBSTX provides you with the tools, resources, and professional health care expertise you need to maintain the health, productivity, and satisfaction of the employees who help your business thrive.
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1 Blue Premier, Blue Premier Access and Blue Essentials provide coverage within stated regions with the exception of emergency room and emergency procedures.
2 Our book of business analysis of Texas based employers (151+) indicated that employers benefit from about 13% in cost avoidance by using Blue Premier relative to the broad PPO, about 12% in cost avoidance by using Blue Premier Access relative to the broad PPO, and about 9% in cost avoidance by using Blue Essentials relative to the broad PPO. Savings will differ based on each employer’s population (demographics and location).
3 Ancillary product package pricing is available to mid-market (51-150) and large group market segments (151+) with up to 3,000 eligible employees when combining medical with qualifying ancillary options. Multiple Employer Welfare Arrangements, small groups (1-50), Blue Balanced FundedSM, student health plans, select large group segments, Minimum Premium Plans and ASO groups with percent-of-claims arrangements are excluded from this program.