Preferred Choice Plans - 2024

  • With Preferred Choice plans, it’s all about flexibility. Create well-rounded health plans for your employees with 32 of our most popular medical plans, 10 pharmacy plans, and 17 dental plans to choose from.

    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 32 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-$35

    Provider network
    Choice of Heritage or Heritage Prime network with 40,000+ providers statewide

    11 PPO plans, by deductible

    $250
    $1,500
    $4,000

    $500
    $2,000
    $5,000

    $750
    $2,500
    $6,350

    $1,000
    $3,000

    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 40,000+ providers statewide.

    7 HSA qualified PPO plans, by deductible

    $1,600
    $2,500

    $3,200
    $3,500

    $4,000
    $5,000

    $6,450

    Premera Pathfinder plans (EPO)

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    Cost and coverage
    Save 10% over a traditional PPO plan.

    Office visit
    Employees have a $0 copay when seeing their designated PCP. $20-35 copay for non-designated PCP or specialist.

    Provider network
    Heritage Prime network with 40,000+ exclusive providers statewide.

    Premera Pathfinder EPO plans, by deductible

    $500
    $1,000
    $3,000

    $5,000

    BlueHPN plans

    Cost and coverage
    Wide variety of cost-share options in an EPO network.

    Office visit
    Copay of $25-$30

    Provider network
    Heritage network with 40,000+ providers.

    $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)

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

    $10/$25/$45/30%

    $15/$30/$50/30%

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

    $10/$25/$45
    $15/$35-300
    $20/$50/50%/30%

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

    $15/$35-$150
    $15/$30/$50-$150

    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.

    17 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

    Essentials Dental
    $0/$30/$50/$1,000
    $20/$40/$50/$1,000

  • 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.