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Flexible Group Health Insurance Plans

With Options Designed to Improve Your Bottom Line

Your health care needs are as unique as your business. That’s why Blue Cross and Blue Shield of Texas (BCBSTX) offers health care coverage with a wide variety of options across a range of price levels. We’re here to help you find the plan that’s the right fit for your business, and the right choice for your workforce. Discover how easy BCBSTX makes it for businesses of all sizes to stay under budget and on top of your employee health.

Let’s Take Care of Your Employees’ Health, Together

Choose from a variety of health care plan options that allow you access to our large network of providers and comprehensive benefits. We’re here to help you streamline administration, control costs and meet regulatory requirements. Plus, we’ll help your employees enroll in benefits and maintain a healthy lifestyle to deliver better care for your employees and a better value for your business.

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What are HMO, PPO and EPO Group Insurance Plans?

  • HMO, or Health Maintenance Organization, plans facilitate coverage through a primary care provider (PCP) from your employee’s choice of physicians within our network.
  • PPO, or Preferred Provider Organization, plans usually carry a higher monthly premium while allowing your employees to choose any physician they wish, either inside or outside the BCBSTX network.
  • EPO, or Exclusive Provider Organization, plans allow your employees to seek services from a predetermined list of in-network providers without having to seek a referral from their primary care physician.

Explore PPO Plans

The BCBSTX PPO network gives you flexible benefit design options at a price you can afford while giving your employees a wide range of benefits and the freedom to visit any doctor they choose.

Blue Choice PPOSM

Best Fit: All Group Sizes

The Blue Choice PPO gives your employees access to over 600 participating hospitals and facilities throughout Texas and more than 800,000 doctors and 6,000 hospitals contracting with Blue Cross and Blue Shield nationwide.

Explore HMO Plans

The HMO network provides basic care and prescription medication coverage while coordinating with our care specialists for any necessary referrals. Your employees have a choice of Primary Care Providers from a large network of contracting HMO physicians and medical groups.

Blue Essentials HMOSM

Best Fit: 51-150 and 151+ Employees

Blue Essentials supports your cost-savings strategy. This HMO plan helps you reduce health care costs while still offering your employees access to a statewide network of health care providers.

Blue Essentials Access HMOSM

Best Fit: 51-150 and 151+ Employees

Blue Essentials Access is an open access HMO plan that provides benefits to your employees when they receive services from providers in the Blue Essentials network. Plus, your employees are not required to choose a PCP or receive referrals for services with this plan.

Blue Premier HMOSM

Best Fit: 151+ Employees

The Blue Premier HMO lets your employees choose a PCP from a network of contracting doctors in the Blue Premier network to help them coordinate their care and make informed decisions to reduce costs and improve their wellbeing.

Blue Premier Access HMOSM

Best Fit: 51-150 and 151+ Employees

Blue Premier Access is an open access HMO that provides benefits when services are received from providers in the Blue Premier network. Your employees get predictable copays and are not required to choose a PCP or receive referrals for services.

Blue Advantage HMOSM

Best Fit: 2-50 Employees

The Blue Advantage HMO plan provides a cost-effective network designed to provide affordable, quality health care services. Blue Advantage plans provide medical benefits at a lower cost whenever employees access care through a participating network provider.

Explore EPO Plans

EPO plans from BCBSTX offer the benefits that your employees need most with no referrals required. Your employees can choose their own in-network provider and can take their benefits with them when they travel with access to the BlueCard® program.

EPOs for Self-Funded Groups

Best Fit: 500+ Employees

BCBSTX offers self-funded clients with more than 500 employees EPO plans. EPO network providers, including physicians, specialty care providers, hospitals, and other health care facilities and practitioners, have contracted with BCBSTX to provide health care services at the best rates.

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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