We’re committed to making quality health care more affordable and accessible for you and your employees.
Covering 1 in 3 Americans across every ZIP Code, Blue Cross and Blue Shield (BCBS) companies are woven into the fabric of the cities, towns and neighborhoods that we serve. This helps us foster deep, local relationships, while also working nationally to create comprehensive solutions for employers and their employees—no matter where they are.
Your employees are our neighbors and your business is in our backyard. We can help you create more affordable, quality health plans that fit your needs. Enter your ZIP Code to get started.
BCBS companies have built trusted relationships with providers, legislators, and thought leaders in communities nationwide. That local connection, scaled across 97% of U.S. hospitals and 83% of physicians, is how we move from observing healthcare to actively reshaping it
BCBS companies deliver total cost of care, 7% lower nationally, on average, than competitors.1
Using our total cost of care approach, we look at your organization’s total spending on health care and health benefits for your employees and their dependents. When members use their benefits across our network of providers, it results in a wealth of health care and provider data. This data makes up the industry’s largest national data resource, reflecting longitudinal data across more than 200 million active and inactive unique BCBS members.2 This unmatched data gives BCBS companies deeper knowledge and sharper insights to anticipate employer needs.
We partner with employers to deliver comprehensive solutions that holistically manage how their employees’ care is delivered and experienced—all while lowering costs. We achieve this by:
Providing access to an unparalleled network
Guiding employees to higher performing care
Offering programs that support your employees’ whole health
Protecting employers’ investment by preventing billing and coding errors
*Independent firm, Milliman, calculated total cost of care benchmarks for commercial large group PPO health plans. BCBS commercial data was compared to the Merative Market Scan database on age, gender, risk, and geography adjusted basis.
Milliman was able to isolate our national savings number by region. Our market-leading total cost of care is lower in every region across the U.S.
For a closer look, view the Milliman whitepaper
We know access to care is a priority for your business. Through our comprehensive network portfolio and cost-saving pharmacy solutions, your employees have access to higher-performing, higher-value health care wherever they live, work or travel. Which
ultimately leads to better outcomes and increased savings for you and your employees.
The purpose is to provide employees access and choice through a broad network of doctors and hospitals. Consider BlueCard® PPO, the nation’s leading PPO network providing an affordable benefit option spanning more than 2.2 million unique, in-network providers.
The purpose is to generate substantial savings by guiding employees to select in-network providers who've been shown to deliver care at a higher quality and lower cost. Consider the BlueSelect Network, which localizes networks that deliver incremental savings above and beyond BlueCard® PPO.
The purpose is to provide employees access to a comprehensive network of quality providers while lowering overall cost. Consider Blue High Performance Network®, a new national network focused on delivering greater value through enhancing quality and increasing savings.
We’re helping businesses control costs overtime by leveraging a value-based partnership model that prioritizes quality over quantity to keep employees healthy.
Purpose: Integrating and coordinating comprehensive, higher-quality care through a health care delivery model that pays providers based on outcomes.
Consider: Total Care. The nation’s largest network of ACO and PCMH value-based providers incorporating patient-centered and data-driven practices to better coordinate care and improve quality and outcomes across all BCBS network solutions.
Purpose: Address the high costs of complex care while improving quality for employees in need of specialty care and procedures.
Consider: Blue Distinction® Specialty Care. Centers of Excellence across all top 100 MSAs, targeting 11 high-cost specialty care areas.
Purpose: Combat rising pharmacy costs and improve your employees' health by integrating pharmacy benefits with your company medical benefit plan.
Consider: Through an integrated benefits strategy with BCBS, we'll develop and activate a comprehensive, data-driven approach that benefits your organization through better health outcomes for your employees, greater cost savings, and increased transparency and administrative simplicity.
Synergie Medication Collective® was founded by BCBS Companies to directly address how high-cost drugs are contracted, priced and accessed. Today, Synergie is improving affordability and access — for health plans, employers and the nearly 100 million Americans they serve.
CivicaScript® was cofounded by BCBS Companies to fundamentally change how prescription generic and biosimilar drugs are priced and distributed. We believe employers and employees should have access to high-quality prescription medications — when they need them and at a price they can afford.
One of the best ways to engage your employees in their health and health care is by providing programs that are customized to their unique needs. That’s why BCBS companies offer comprehensive solutions that focus on employees’ whole health needs and help close care gaps and improve outcomes:
We'll also work with you to make sure you're offering the right kind of health insurance coverage and benefits, a very important value-add when it comes to talent attraction and retention, as well.
Similar to the comprehensive approach we take to supporting your employees’ health and wellbeing, BCBS companies take a holistic approach to managing and protecting your organization’s health care dollars.
We follow claims through the entire lifecycle — from coding and pricing to adjudication, payment, and recovery. By utilizing a multi-phased payment integrity model, we help reduce errors and administrative costs, protecting your organization's health care dollars.
Blue365 provides members with discounts on health and wellbeing products and services.
Your team deserves the best—and so does your bottom line. As your local health care partner, we’re here to help you design cost-effective, high-quality coverage tailored to your business and employees. Simply enter your ZIP Code to explore your options and get started today.
1 2025 Milliman, uses BCBS 2022 claims experience relative to Merative Market Scan Benchmark Data base on age, gender, risk, and geography adjusted basis. Savings are on average. Results will vary based on employer locations and implementation
2 BCBSA, 2025 BCBS Data.