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Open Enrollment Ended March 31st. If you have a qualifying life event, you may still be able to buy coverage for 2014. Call us today at 1.866.514.2454. Learn More

Group Insurance

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

Keeping your employees happy and healthy makes good business sense. We understand these can be challenging times for any business—especially when it comes to affording health insurance. 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 plan(s), take a look below.

Plans offered by First Priority Life®

BlueCare® PPO

  • Freedom to choose from a large network of providers
  • Flexibility to get care from non-preferred providers, but with higher deductibles and coinsurance
  • Access to national and worldwide coverage from BlueCard PPO providers
  • Cost-share features such as copayments, coinsurance and deductibles for medical services
  • Wide range of preventive benefits with no cost-share and wellness programs to keep you in shape

BlueCare QHD PPO

  • Flexibility to choose from a broad network of providers
  • Get care from non-preferred providers, but with higher deductibles and coinsurance
  • Enjoy coverage across the country and around the world with the BlueCard PPO program
  • Same features as BlueCare PPO, but with a higher deductible
  • Pair up this plan with a health care funding account (BlueCare HSA, HRA or FSA) to offset the higher deductible and allow you to control where your health care dollars go
  • Extensive preventive benefits and wellness programs

BlueCare Custom PPO/EPO

  • A 2-tier network, which keeps costs low through a custom network of providers
  • Tier 1 gives you coverage locally with a large choice of respected, qualified providers
  • Tier 2 gives you coverage outside the service area and across the country with the BlueCard PPO network and other out-of-network providers, but with higher out-of-pocket costs
  • Cost-control features, including copayments, coinsurance and deductibles
  • Comprehensive preventive benefits covered in full and wellness solutions to keep you healthy

BlueCare EPO

  • A plan for those who live and work outside the service area
  • A large network of providers, including national and worldwide coverage from BlueCard PPO providers
  • Cost-control features, including copayments, coinsurance and deductibles
  • Comprehensive preventive benefits covered in full, and wellness solutions to keep you healthy

BlueCare QHD Custom PPO/EPO

  • The 2-tier network gives you plenty of choice through a custom provider network
  • Tier 1 gives you local coverage with access to a wide range of doctors and hospitals
  • Tier 2 provides coverage across the country and around the world with the BlueCard PPO program and other out-of-network providers, but with slightly higher out-of pocket costs
  • A higher deductible than BlueCare Custom PPO/EPO
  • Pair up this plan with a health care funding account (BlueCare HSA, HRA or FSA) to offset the higher deductible and allow you to control where your health care dollars go
  • Wide range of preventive benefits with no cost-share and wellness programs to keep you healthy

AffordaBlue

  • A 3-tier network allows you to control your health care dollars
  • Tiers 1 and 2 give you a large choice of local providers
  • Tier 3 gives you access to coverage across the country and worldwide with BlueCard PPO providers and other out-of-network providers
  • Cost-control measures include a wide choice of deductibles and coinsurance options
  • Stay healthy with preventive benefits and wellness programs that have no out-of-pocket costs

BlueCare Traditional

  • Most freedom to choose from a large network of providers
  • Care available outside the network, but with a coinsurance
  • Coverage across the country and around the world with the BlueCard® network
  • Cadillac benefit plan with no copayments, coinsurance or deductibles for most services
  • Preventive benefits covered at 100% and wellness resources so you stay healthy

Plans offered by First Priority Life®

BlueCare® PPO

  • Freedom to choose from a large network of providers
  • Flexibility to get care from non-preferred providers, but with higher deductibles and coinsurance
  • Access to national and worldwide coverage from BlueCard PPO providers
  • Cost-share features such as copayments, coinsurance and deductibles for medical services
  • Wide range of preventive benefits with no cost-share and wellness programs to keep you in shape

BlueCare QHD PPO

  • Flexibility to choose from a broad network of providers
  • Get care from non-preferred providers, but with higher deductibles and coinsurance
  • Enjoy coverage across the country and around the world with the BlueCard PPO program
  • Same features as BlueCare PPO, but with a higher deductible
  • Pair up this plan with a health care funding account (BlueCare HSA, HRA or FSA) to offset the higher deductible and allow you to control where your health care dollars go
  • Extensive preventive benefits and wellness programs

BlueCare Custom PPO/EPO

  • A 2-tier network, which keeps costs low through a custom network of providers
  • Tier 1 gives you coverage locally with a large choice of respected, qualified providers
  • Tier 2 gives you coverage outside the service area and across the country with the BlueCard PPO network and other out-of-network providers, but with higher out-of-pocket costs
  • Cost-control features, including copayments, coinsurance and deductibles
  • Comprehensive preventive benefits covered in full and wellness solutions to keep you healthy

BlueCare QHD Custom PPO/EPO

  • The 2-tier network gives you plenty of choice through a custom provider network
  • Tier 1 gives you local coverage with access to a wide range of doctors and hospitals
  • Tier 2 provides coverage across the country and around the world with the BlueCard PPO network and other out-of-network providers, but with higher out-of pocket costs
  • A higher deductible than BlueCare Custom PPO/EPO
  • Pair up this plan with a health care funding account to offset the higher deductible and allow you to control where your health care dollars go
  • Wide range of preventive benefits with no cost-share and wellness programs to keep you healthy

BlueCare EPO

  • A plan for those who live and work outside the service area
  • A large network of providers, including national and worldwide coverage from BlueCard PPO providerss
  • Cost-control features, including copayments, coinsurance and deductibles
  • Comprehensive preventive benefits covered in full, and wellness solutions to keep you healthy

AffordaBlue

  • A 3-tier network allows you to control your health care dollars
  • Tiers 1 and 2 give you a large choice of local providers
  • Tier 3 gives you access to coverage across the country and worldwide with BlueCard PPO providers and other out-of-network providers
  • Cost-control measures include a wide choice of deductibles and coinsurance options
  • Stay healthy with preventive benefits and wellness programs that have no out-of-pocket costs

BlueCare Traditional

  • Most freedom to choose from a large network of providers
  • Care available outside the network, but with a coinsurance
  • Coverage across the country and around the world with the BlueCard® network
  • Cadillac benefit plan with no copayments, coinsurance or deductibles for most services
  • Preventive benefits covered at 100% and wellness resources so you stay healthy

Plans offered by First Priority Health®

BlueCare HMO—Talk about saving money!

  • Care is managed by a primary care physician (PCP) who encourages preventive services
  • Access to a large network of local doctors so you can pick a PCP that’s right for you and change, if needed, at any time
  • No worries if you’re traveling out of the area and need urgent or follow-up care; with BlueCard providers and prior authorization (approval), you’re covered
  • Keeps costs predictable; pay a minimal copay for most services
  • Hassle-free specialist visits—no referrals and no claim forms
  • Value-added wellness resources for a healthy lifestyle and preventive benefits with no cost-share

BlueCare HMO Plus

  • You select a PCP who oversees your care and emphasizes prevention
  • Use providers in our local network for the highest benefit levels
  • Plus you have a greater degree of freedom to use out-of-area
  • BlueCard providers directly, without approval if you choose; but with higher out-of-pocket costs
  • You can still enjoy easy care with no referrals, no claim forms and manageable copays within the network
  • Preventive benefits and wellness tools, at no extra cost, to support and motivate your good health

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

Keep Your Employees and Your Bottom Line Healthy!

With our defined contribution plans, you have insurance that provides cost savings AND comprehensive coverage. 

What is a Defined Contribution Plan?

You pay a fixed amount toward your employees' health insurance. You set your company's contribution, you control the costs. Employees use that money at open enrollment to pay for health insurance that best suits their personal health, family needs and budget.

What's in it for You?

An innovative way to continue to afford health insurance and control costs--since you determine your company's health benefit budget. A great way for your company to save money and for your employees to get more, since your contributions are pre-tax dollars.

Why Will Your Employees Love This?

Your employees can pick from medical plans, offering a large range of deductible options, low out-of-pocket costs and coverage for prescription drugs, and dental, and vision plans to meet their needs. Employees get more control and can make informed choices based on their needs and budget.

What are My Options?

Health Insurance Plans

Small Group

Large Group

  • 51+ enrolled: You may offer up to 15 benefit packages. Here’s what we recommend to best suit the needs of your company. View recommended options. If you are group with 51+ enrolled and choose to offer products with essential health benefits, refer to the recommended options above for the 10-50 enrolled.

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. If you are a new customer, fill out the group contact form.

Dental Plans

Vision Plans