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Large Group Health Insurance Plans

Discover a complete portfolio of standard to customizable, end-to-end health care solutions for large employer groups (151+) from Blue Cross and Blue Shield of Texas (BCBSTX).

Better Value, Better Benefits, Better Business

As an experienced and trusted health insurance carrier, we’re committed to providing options that meet your client's unique needs, from innovative local offerings to national solutions. A provider 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.

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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 pricing4 combines medical coverage with other ancillary benefits and allows for a reduction in medical premium.

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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.

Last Updated: Dec. 06, 2023