|Employer objectives||The Blue Options 1-2-3 solution|
|Buy down benefits while still offering copayments for highly-used services||The plan offers copayments and rich coinsurance for primary and preventive care.1
Expect these types of services to account for nearly half of employees' care.2
|Save money without the level of cost-sharing required by a high-deductible health plan||Employees are still covered with copayments and coinsurance, but the differential between benefit levels drives shopping where appropriate. Less overall exposure to out-of-pocket expenses feels, to employees, more like a traditional PPO.|
|Engage employees without a health fund||Blue Options 1-2-3 drives behavior modification through the differential between benefit levels, not by a fund design. Different levels of cost sharing incent shopping for the most cost-efficient solution when possible.|
|Lower health care costs||This plan can deliver up to 21% in premium savings, when compared to our most popular PPO plan.3|
Blue Options 1-2-3 puts employers in control. Plan design can be adjusted to most effectively impact:
The benefits listed above are for in-network services. Out-of-network benefits will differ.
NOTE: Coinsurance represents member responsibility.