Preferred Choice Plans

  • With Preferred Choice plans, it’s all about flexibility. Our 2025 Preferred Choice plans are designed to offer your business a well-rounded suite of health plan options for your employees with 41 of our most popular medical plans, 11 pharmacy plans, and 18 dental plans to choose from.

    Through the end of the year, you can also still explore our 2024 Preferred Choice plans page.

    Get a quote for your business

    Get a quote today

    We'll work with you to find the best health plan options for your employees and budget.

    1. Choose your medical plans

    Select up to 2 medical plans from 41 options.

    Preferred provider organization plans (PPO)

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    Cost and coverage
    Wide-ranging premium and cost-share combinations, with deductibles starting at $250

    Office visit
    Copay of $20-$50

    Provider network
    Choice of Heritage or Heritage Prime network with 42,000+ providers statewide

    11 Standard PPO plans, by deductible

    $250
    $1,500
    $4,000

    $500
    $2,000
    $5,000

    $750
    $2,500
    $6,350

    $1,000
    $3,000

    9 Unlimited PPO plans, by deductible - No vision, and out-of-pocket maximum is unlimited when out of network

    $250
    $1,500
    $5,000

    $500
    $2,000

    $750
    $2,500

    $1000
    $3,000

    6 Shared PPO plans, by deductible - No vision, and out-of-pocket maximum is shared with in-network when out of network

    $250
    $1,500

    $500
    $2,000

    $750

    $1,000

    Health savings account (HSA) qualified PPO plans (Pharmacy benefits included)

    Cost and coverage
    Lower premiums and higher cost shares. Learn more about how HSA plans work

    Office visit
    Employee pays 100% until deductible is met, then pays a percentage of the cost (coinsurance)

    Provider network
    Choice of Heritage or Heritage Prime network with 42,000+ providers statewide

    4 HSA qualified PPO plans, by deductible - includes a single aggregated family deductible for all family members

    $1,650

    $2,000

    $2,500

    $3,000

    5 HSA qualified PPO plans, by deductible - includes a family deductible with separate deductibles for each family member embedded

    $3,300
    $6,450

    $3,500

    $4,000

    $5,000

    Premera Pathfinder plans (EPO)

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    Cost and coverage
    Save up to 10% over a traditional Premera PPO plan

    Office visit
    Employees have a $0 copay when seeing their designated PCP. $35-65 copay for non-designated PCP or specialist

    Provider network
    Heritage network with more than 42,000+ providers statewide. No out-of-network coverage for primary or specialist services

    4 Premera Pathfinder EPO plans, by deductible

    $500

    $1,000

    $3,000

    $5,000

    Blue High Performance Network plans (HPN)

    Cost and coverage
    No out-of-network coverage for primary or specialist services, but emergency and urgent care is always covered

    Office visit
    Copay of $0-$35

    Provider network
    Heritage Prime network with 42,000+ providers statewide 

    2 BlueHPN plans, by deductible

    $1,000

    $2,000

    2. Choose a pharmacy plan

    Add one of our 11 pharmacy plans to any of the medical plans except for the HSA PPO, which already includes pharmacy benefits.

    Essentials pharmacy plans

    Cost and coverage
    Keeps costs as low as possible by focusing on high-value drugs that are approved by the U.S. Food and Drug Administration (FDA)

    Office visit
    Employee pays a copay or percentage of drug cost

    Provider network
    Covers 30-day supply for retail and 90-day supply for mail order

    3 Essentials plans by drug tier (Tier 1/ 2 / 3 / 4)

    $10/$25/$45/30%

    $15/$30/$50/30%

    $15/$60/$100/50%-$150

    8 other pharmacy plans by drug tier (Tier 1/ 2 / 3 / 4)

    $10/$25/$45
    $15/$35-150
    $15/$30/$50-150

    $10/$35/$65
    $15/$35-300
    $20/$50/50%/30%

    $15/$35
    $15/$30/$50

    3. Choose a dental plan

    Add one of our dental plans for comprehensive coverage.

    Preference and Optima dental plans

    Provider network
    Our dental plans feature a broad network with more than 267,000 locations nationwide

    Orthodontia coverage
    The Optima with Ortho plan features orthodontia coverage for all ages

    Waiting period
    The Optima Voluntary plan requires a 12-month waiting period for major dental services

    15 dental plans, by annual maximum

    Optima plans
    $1,000
    $1,500
    $2,000
    $2,500

    Optima plans with ortho
    $1,000
    $1,500
    $2,000
    $2,500

    Optima Flex plans
    $1,000
    $1,500

    Optima Flex plans with ortho
    $1,500

    Optima Voluntary
    $1,000
    $1,500

    Optima 1500 Enhanced
    $1,500

    Optima Flex 1500 Shared Family
    $1,500

    Willamette Dental plans

    Provider network
    With nearly 50 locations throughout the Pacific Northwest, your employees will likely find a Willamette Dental Group office in their area

    Orthodontia coverage
    Our Willamette Dental plans offer your employees a predictable list of covered dental services and their copayments, including for orthodontic care

    Proactive dental care
    Willamette Dental Group dentists work with every member to develop a personalized dental care plan

    3 Willamette Dental plans

    $15/$30

    $20/$30

    $25/$30

  • Get a quote for your business

    Get a quote today

    We'll work with you to find the best health plan options for your employees and budget.