| 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 |
Five benefit levels that impact price and employee engagement
Blue Options 1-2-3 puts employers in control. Plan design can be adjusted to most effectively impact:
- Premium
- The difference between benefit levels
- The degree of employee engagement
 The benefits listed above are for in-network services. Out-of-network benefits will differ. NOTE: Coinsurance represents member responsibility. |