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Affordable Insurance to Keep Your Employees Happy and Protect Your Bottom Line.

Blue Cross of Northeastern Pennsylvania is now Highmark Blue Cross Blue Shield. Coverage for 2015 will still be offered by Blue Cross of Northeastern Pennsylvania—with the same benefits and out-of-pocket costs until you renew for 2016. Keeping your employees happy and healthy makes good business sense. You can count on Blue Cross of Northeastern Pennsylvania to provide quality affordable solutions to meet your employees' needs and your budget. For more information about our 2015 plans, take a look below.

Plans offered by First Priority Life®

BlueCare® PPO

  • Freedom to choose from the largest PPO network of doctors and hospitals close to home and anywhere you travel
  • The lowest out-of-pocket costs for care from in-network providers
  • Coverage for care from national and worldwide BlueCard® PPO providers—at the same cost for care as if you were home
  • Flexibility to get care from providers out of the network but at a higher deductible and coinsurance
  • Preventive benefits at no cost to you, and wellness solutions to help keep you healthy

BlueCare QHD PPO

  • Freedom to choose from the largest PPO network of doctors and hospitals close to home and anywhere you travel
  • The lowest out-of-pocket costs for care from in-network providers, just like with a PPO plan but with a higher deductible and with no copays for medical care
  • You can pair the BlueCare QHD PPO plan with a health care funding account (FSA, HRA or HSA) to offset the higher deductible with tax savings
  • Coverage for care from national and worldwide BlueCard PPO providers—at the same cost for care as if you were home
  • Flexibility to get care from providers out of the network but at the highest deductible and coinsurance
  • Preventive benefits at no cost to you, and wellness solutions to help keep you healthy

BlueCare Custom PPO

  • Freedom to choose from the largest network of doctors and hospitals close to home and anywhere you travel
  • The lowest out-of-pocket costs for care from in-network providers
  • Coverage for care from national and worldwide BlueCard PPO providers—but at higher out-of-pocket costs than if care were provided from in-network providers
  • Flexibility to get care from other providers out of the network but at the highest out-of-pocket costs
  • Preventive benefits at no cost to you, and wellness solutions to help keep you healthy

AffordaBlueSM

  • Freedom to choose from the largest network of doctors and hospitals close to home and anywhere you travel
  • The lowest out-of-pocket costs for care from in-network providers—including in-network providers who are located just outside our 13-county service area
  • Coverage for care from providers who charge a "facility fee"—but you’ll pay more for your care
  • Coverage for care from national and worldwide BlueCard® PPO providers—but at higher out-of-pocket costs than if care were provided from in-network providers
  • Flexibility to get care from other providers out of the network but at the highest out-of-pocket costs
  • Preventive benefits at no cost to you, and wellness solutions to help keep you healthy

BlueCare® PPO

  • Freedom to choose from the largest PPO network of doctors and hospitals close to home and anywhere you travel
  • The lowest out-of-pocket costs for care from in-network providers
  • Coverage for care from national and worldwide BlueCard® PPO providers—at the same cost for care as if you were home
  • Flexibility to get care from providers out of the network but at a higher deductible and coinsurance
  • Preventive benefits at no cost to you, and wellness solutions to help keep you healthy

BlueCare QHD PPO

  • Freedom to choose from the largest PPO network of doctors and hospitals close to home and anywhere you travel
  • The lowest out-of-pocket costs for care from in-network providers, just like with a PPO plan but with a higher deductible and with no copays for medical care
  • You can pair the BlueCare QHD PPO plan with a health care funding account (FSA, HRA or HSA) to offset the higher deductible with tax savings
  • Coverage for care from national and worldwide BlueCard PPO providers—at the same cost for care as if you were home
  • Flexibility to get care from providers out of the network but at the highest deductible and coinsurance
  • Preventive benefits at no cost to you, and wellness solutions to help keep you healthy

BlueCare Custom PPO

  • Freedom to choose from the largest network of doctors and hospitals close to home and anywhere you travel
  • The lowest out-of-pocket costs for care from in-network providers
  • Expanded in-network coverage—offers care from in-network providers who are located just outside our 13-county service area
  • Coverage for care from national and worldwide BlueCard PPO providers—but at higher out-of-pocket costs than if care were provided from in-network providers
  • Flexibility to get care from other providers out of the network but at the highest out-of-pocket costs
  • Preventive benefits at no cost to you, and wellness solutions to help keep you healthy

BlueCare QHD Custom PPO

  • Freedom to choose from the largest network of doctors and hospitals close to home and anywhere you travel
  • Expanded in-network coverage—offers care from in-network providers who are located just outside our 13-county service area
  • The lowest out-of-pocket costs for care from in-network providers, just like with a PPO plan but at a higher deductible and with no copays for medical care
  • Coverage for care from national and worldwide BlueCard PPO providers—but at higher out-of-pocket costs than if care were provided from in-network providers
  • You can pair the BlueCare QHD Custom PPO plan with a health care funding account (FSA, HRA or HSA) to offset the higher deductible with tax savings
  • Flexibility to get care from other providers out of the network but at the highest out-of-pocket costs
  • Preventive benefits at no cost to you, and wellness solutions to help keep you healthy

AffordaBlueSM

  • Freedom to choose from the largest network of doctors and hospitals close to home and anywhere you travel
  • The lowest out-of-pocket costs for care from in-network providers—including in-network providers who are located just outside our 13-county service area
  • Coverage for care from providers who charge a "facility fee"—but you’ll pay more for your care
  • Coverage for care from national and worldwide BlueCard® PPO providers—but at higher out-of-pocket costs than if care were provided from in-network providers
  • Flexibility to get care from other providers out of the network but at the highest out-of-pocket costs
  • Preventive benefits at no cost to you, and wellness solutions to help keep you healthy

BlueCare EPO

  • Freedom to choose from the largest EPO network of doctors and hospitals close to home and anywhere you travel
  • The lowest out-of-pocket costs for care from in-network providers
  • Coverage for care from national and worldwide BlueCard PPO providers—at the same cost for care as if you were home
  • Care from providers out of the network—but ONLY in emergency situations
  • Preventive benefits at no cost to you, and wellness solutions to help keep you healthy

BlueCare Traditional

  • Freedom to choose from the largest Traditional network of doctors and hospitals close to home and anywhere you travel
  • The richest coverage with basically no copays, coinsurance or deductibles for care from in-network providers
  • Coverage for care from national and worldwide BlueCard providers—at the same cost for care as if you were home
  • Flexibility to get care from providers out of the network but at a higher deductible and coinsurance
  • Preventive benefits at no cost to you, and wellness solutions to help keep you healthy

Plans offered by First Priority Health®

BlueCare HMO

  • Freedom to choose from the largest HMO network of doctors and hospitals close to home and anywhere you travel
  • The lowest out-of-pocket costs for care from in-network providers
  • Coverage for urgent and follow-up care when out of the area from national and worldwide BlueCard providers—at the same cost for care as if you were home
  • A PCP to help manage your care and ensure you’re getting the most from your coverage
  • Hassle-free specialist visits—no referrals, no claim forms, low copays
  • Preventive benefits at no cost to you, and wellness solutions to help keep you healthy

BlueCare HMO Plus

  • Freedom to choose from the largest HMO network of doctors and hospitals close to home and anywhere you travel
  • The lowest out-of-pocket costs for care from in-network providers
  • Coverage out of the area from national and worldwide BlueCard providers—at the same cost for care as if you were home
  • A PCP to help manage your care and ensure you’re getting the most from your coverage
  • Hassle-free specialist visits—no referrals, no claim forms, low copays
  • Preventive benefits at no cost to you, and wellness solutions to help keep you healthy

Offered by Blue Cross of Northeastern Pennsylvania and Highmark Blue Shield

BlueCare Senior

  • Complements the gaps in Medicare coverage
  • Covers some or all of the deductibles and coinsurance that Medicare does not pay
  • Quality benefits and peace of mind from a trusted name in health care
  • Freedom to choose from a large selection of Blue Cross® and Blue Shield® providers
  • Major Medical coverage and/or a prescription drug benefit rider available

Give Your Employees More for Less with a Defined Contribution Plan!

A New Way to Manage Health Care Dollars

With our defined contribution plans, you have a better way to manage the cost of your employees’ health insurance and an alternative that gives you and your employees more for less!

What is a Defined Contribution Health Plan?

A defined contribution health plan allows you to set a fixed dollar amount (a “defined contribution”) for each employee’s health insurance. Your employees then choose a health insurance plan from a menu of plan options you’ve selected. You pay the amount you’ve set, and your employees cover the rest.

How Does It Work?

  1. Let’s say you decide to spend $100/month ($1200/year) on each employee’s health insurance plan.
  2. You choose the menu of plan options.
  3. Your employees then shop for the plan that best fits their needs with the money you have allocated for them to spend.
  4. If they want a more expensive plan, they make up the difference in cost through payroll deductions.

Illustrative Example Only:

Monthly cost for employee-only coveragePPO Option 1PPO Option 2PPO Option 3QHD PPO Option 4Custom PPO Option 5
Premium$100$125$150$175$200
Less employer-defined contribution-$100-$100-$100-$100-$100
Employee contribution$0$25$50$75$100

Why You Will Love a Defined Contribution Health Plan!

  • Your health insurance costs will be more predictable each year.
  • Your contributions will continue to be tax deductible.
  • Recruiting and retaining employees is important and your company’s health insurance plan is a key part of the compensation package that you offer to employees.
  • You may be able to continue offering health insurance to your employees and their families, rather than dropping coverage and potentially paying a penalty.

Why Your Employees Will Love It, Too!

  • They will have many more options to choose from.
  • They will no longer be limited to a one-size-fits-all health insurance plan.
  • Your employees can make the best insurance choices for themselves and their families.
  • Your employees will be more involved than ever in their health care choices!
  • Employer premium contributions provided to the employee are tax free!

The Choice is Yours...You Decide What Plans and How Many You Want to Offer:

Small Employers

Group sizePlans you can offer
2-9 enrolledUp to 5
10-50 enrolledUp to 10

To see all the plan options available for small employers, click on the plan(s) you are interested in:

Large Employers

Group sizePlans you can offer
51+Up to 10

To see all the options available for large employers, call your Blue Cross of Northeastern Pennsylvania sales professional, weekdays between 8 a.m. and 5 p.m.

Medicare Eligible Plans

BlueCare Senior plans are also available with defined contribution. BlueCare Senior, which complements the gaps in Medicare, is coverage for actively working employees on Medicare and to retirees.

For more information on defined contribution options, current customers can call their sales professional, weekdays between 8 a.m. and 5 p.m.

Dental Plans

Vision Plans