Large Group Health Plans*

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*Generally, group size is determined by Medical Loss Ratio (MLR) count. Under MLR counts, a group with 50 or less employees is considered a small group. 51 or more employees is considered a large group. Talk to your agent to find out which plan options are available to you based on your group size and service area.


GroupCare

GroupCare features a series of PPO plans with broad provider networks and flexible benefit designs.


HMO

Our HMO plans** feature predictable out-of-pocket costs when care is received from HMO network providers. Healthcare needs are coordinated by a primary care doctor.


Point of Service (POS)

Our POS plans** feature predictable out-of-pocket costs like an HMO plan, with the unique advantage of out-of-network care with limited benefits.


BlueSaver

BlueSaver plans are qualified high-deductible health plans, which means you can put tax-free money in a Health Savings Account (HSA)*** that will help you pay your deductible and your share of covered medical expenses. A BlueSaver plan, in conjunction with an HSA, can help you save money for medical expenses now and for the future.


Premier Blue

Premier Blue gives you the flexibility of a PPO with the network benefits of a point-of-service product. Employees enjoy access to a broad provider network with the convenience of copayments for many services.
Community Blue** is a select network plan for people who want patient-centered care and local provider access with a lower monthly price. 
Blue Connect** is a select network plan for people who want patient-centered care and local provider access with a lower monthly price. There are health savings account (HSA)-eligible***, qualified high-deductible plans available.
Signature Blue** is a select network plan for people who want local provider access, a new approach to healthcare and a lower-priced insurance plan in the Greater New Orleans area.



Administrative Services Only (ASO)

Third-party claims administration services are available through ASO arrangements offered by Blue Cross and Blue Shield of Louisiana and HMO Louisiana, Inc. We offer a wide array of medical, dental and vision plan designs and self-funding options for employers.


Multiple Choice Options

Multiple option arrangements allow employers to offer health plans with more coverage choices and a greater variety of benefits. The number of options employers may offer to their employees will be based on group size, product selections and service area. Dual, triple, and in some cases, quadruple options are available.

**Our series of point-of-service (POS) plans and HMO plans are offered by HMO Louisiana, Inc., a wholly owned subsidiary of Blue Cross and Blue Shield of Louisiana.

***HealthEquity, Inc. is an independent company that administers Health Savings Accounts to Blue Cross members enrolled in our high-deductible health plans. Members who qualify may open a HSA with any HSA administrator and should seek guidance from a tax professional or financial advisor. Health Savings Accounts (HSA) have tax and legal ramifications. Blue Cross and Blue Shield of Louisiana does not provide legal or tax advice, and nothing herein should be construed as legal or tax advice. These materials, and any tax-related statements in them, are not intended or written to be used, and cannot be used or relied on, for the purpose of avoiding tax penalties. Tax-related statements, if any, may have been written in connection with the promotion or marketing of the transaction(s) or matter(s) addressed by these materials. You should seek advice based on your particular circumstances from an independent tax advisor regarding the tax consequences of specific health insurance plans or products.