New! Keystone HMO Proactive Plans

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Flexible Spending

Pair certain high-deductible health plans with an pdf icon HRA or HSA.

Health Plans
Blue Solutions makes it easy to find the right health plan and benefits for your employees

Blue Solutions® plans are categorized by the level of coverage they offer — platinum, gold, silver, or bronze. So choosing the right health plan is easy.

Platinum Plans

Platinum plans provide the highest level of coverage. If you offer a PPO, DPOS, or HMO platinum plan, there are no deductibles and most services are covered with a copay. These plans are best-suited for employees who prefer to pay a higher monthly premium, while saving on out-of-pocket expenses. We also offer platinum plans designed to pair with a health savings account (HSA) or health reimbursement account (HRA).

Gold Plans

Gold plans offer a high level of coverage with a lower premium, but more out-of-pocket costs. Most services are covered by copay, and are not subject to a deductible or coinsurance. We offer PPO, DPOS, and HMO plans, plus an HMO with a tiered-network for greater cost savings. HSA-qualified and HRA-compatible plans are also available, but covered services are subject to coinsurance, not copay, and include an upfront deductible.

Silver Plans

Silver plans feature lower monthly costs in exchange for higher out-of-pocket costs than our platinum and gold plans. With silver plans, services are covered with an upfront deductible, either a copay or coinsurance depending on the type of service. We offer PPO, DPOS, HMO, and HSA/HRA silver plans. An HMO with a tiered-network can save you even more.

Bronze Plans

Bronze plans have the lowest monthly premiums of all, along with the highest out-of-pocket costs. They work well for employees who don’t typically need a lot of health services, but want to be covered in case of unexpected illness or injury. We offer DPOS, HMO, and HSA/HRA bronze plans.

HRA-eligible and HSA-qualified Plans

HRA plans

Interested in savings? Take a look at our Health Reimbursement Account (HRA) plans.

HSA plans

Looking for the best price? Our Health Savings Account (HSA) plans may be the answer.

Pharmacy

Every health plan in the Blue Solutions product suite includes prescription drug coverage.
See what’s covered.

Dental

All off-exchange Blue Solutions plans include pediatric dental Essential Health Benefits.
See what’s covered.

Vision

Every health plan in the Blue Solutions product suite includes vision coverage.
See what’s covered.

Essential Health Benefits

As part of health care law, all plans offer a core set of health care service categories, known as essential health benefits. Essential health benefits include these ten categories of services:

Essential Health Benefit

Example

Preventive, wellness, and disease management services

Yearly physical, flu shot, and gynecological exam

Emergency care

Treatment for broken bones, heart attacks, and more at a hospital emergency room

Ambulatory services

Minor surgeries, blood tests, and X-rays

Hospitalization

Treatment at a hospital for conditions that require overnight or multiple day stays

Maternity and newborn services

Care through the course of pregnancy, delivery of the baby, and checkups after birth

Pediatric services, including dental1 and vision

Dental exams and cleanings, eye exams, and glasses

Prescription drugs

High blood pressure medicine, insulin, antibiotics

Laboratory services

Blood tests

Mental health and substance abuse services, including behavioral health treatment

Help for conditions like depression, alcohol abuse, and drug abuse

Rehabilitation and habilitation services

Physical therapy, speech therapy, and occupational therapy

1 United Concordia Dental is an independent company that administers and underwrites the dental programs.