First-Generation Consumer-Directed
One way we’re responding to the market’s demands for affordable health care is by revamping our product portfolio. BlueChoices^SM is our first-generation, consumer-directed health plan, offering you a powerful sales tool and providing your customers with more choices than ever before… choice of products, panels, plans and price.

Flexible & Affordable
The BlueChoices product suite offers businesses the freedom to mix and match three products – BlueEssentials, BluePreferred, and BlueClassic – with up to three provider networks. There are numerous ways to create an affordable solution by opting for the spot on the matrix that best suits their criteria.

NETWORK CHOICES
Participating 10,285 providers Preferred Provider Plan1 7,893 providers Access2 2,256 providers BlueEssentialsSM   Complete coverage that is simple and affordable BluePreferred®   Preferred coverage with maximum choice and variety   BlueClassicSM   Premium coverage for ultimate security
	BENEFIT CHOICES

1. Statewide panel using Providence Health System, OHSU, Southwest Washington Medical Center, and Tualiifty Community Hospital in the Portland-metro area
2. Available in Clackamas, Columbia, Multnomah, Washington and Clark (WA) counties

Each product also provides three deductible options. Customers can choose a smaller network with a higher deductible for a less-expensive approach…or create a plan with richer benefits and more selection in their provider network. With this flexible approach to health coverage, you’re empowered to help clients tailor an affordable solution that’s right for their company.

Cost Sharing
BlueChoices encourages employers to choose a slightly higher deductible to offset their premium costs, and then pair this with a tax-advantaged employee spending account to help meet employee expectations. A flexible spending account (FSA) or health reimbursement account (HRA) offer employers and their employees numerous advantages. Members have more exposure to the true cost of health care and a greater appreciation of their “hidden paycheck”. With control of their health-care dollars in a fund they can access for important needs, employees also become savvier health-care consumers.

More Details

• Dual Choice Grid (PDF) - Effective January 1, 2008
• Dual Choice Options Matrix (PDF) - Groups Size 51-99 (2-99 for HSA)
• Compare products with our side-by-side portfolio summary page
• Take a closer look at the three provider networks