SMALL GROUP PLANS
Health Care Solutions for 50 or Fewer Employees
Here to meet your needs
GET STARTED
Our staff will help you build a benefit plan that fits your needs and budget. →
LOCAL SERVICE
8 locations here in Wyoming to help you manage your health care →
NETWORK
Easy access to trusted providers close to home and across the nation →
EXPLORE PLAN OPTIONS
There’s a lot to consider when deciding which health plan is best for your employee needs. Compare plans and learn what information you need to get started.
CORE
Good option if… You want to offer a high deductible health plan that can be paired with a Health Savings Account that allows your employees to set aside money aside in a tax-free account.
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CLASSIC
Good option if… You want to offer employees traditional health insurance coverage that starts paying sooner.
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HEALTHPLUS
Good option if… You want to offer your employees a health plan with special benefits for managing chronic health conditions.
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VALUE
Good option if… You want to offer employees a plan encouraging health maintenance while providing a safety net against large medical costs in case of a major injury or illness.
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BASIC
Good option if… You want to offer employees a straightforward plan to cover large medical costs in case of a major injury or illness. High deductible plan that once met pays 100%.
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CHOOSING YOUR METALLIC LEVEL
Comparing plans…
All BlueSelect Health Insurance Marketplace plans are categorized as Bronze, Silver, or Gold. Generally, Gold pays more of your total health care costs, while Silver and Bronze pay less.
Decide which metallic level is best for you…
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*Subsidies are only available for plans purchased through the federal Health Insurance Marketplace. Eligibility for and actual amount of any subsidy is determined by the federal Health Insurance Marketplace. Visit www.healthcare.gov for more information.
HEALTH CARE COVERAGE FOR WYOMING AND BEYOND
Extensive Provider Network in Wyoming, across the country, and around the world.
Access to doctors and hospitals in over 170 countries and territories around the world.
Access to more than 55,000 pharmacies in Wyoming and nationwide.
Your Plan includes
Multiple Deductible Levels
Complete medical care including primary, specialist, hospitalization and emergency.
Browse plan options →
Preventive Screenings
100% covered to support your well-being. Learn more about
preventive screenings →
Prescription Drugs
See the drug list, compare costs, and find a pharmacy.
View Pharmacy Guide →
24/7 Telehealth
Access virtual urgent care anytime, with convenient telehealth.
Explore telehealth →
Nutrition Program
Health coaching for diabetes and sustainable weight loss*.
Learn more about
nutrition programing →
Pediatric Vision
$0 cost for kid's preventive vision.
Pediatric Dental
$0 cost for kid's preventive dental services.
Maternity Care
Newborn care before and after baby is born.
Explore our maternity program →
MAKE BLUE WORK FOR YOU
BCBSWY offers additional Supplemental Products to enhance benefit packages and
convenient Administrative Services to streamline your benefits management as an employer.
Administrative Services
Our Small Group plans come with included administrative services facilitated by BCBSWY to optimize the management of your health care plan. Administrative services include:
- Automatic claims filing
- Cost containment programs
- Pre-admission review
- Utilization review
- Catastrophic case management
- Coordination of benefits
- COBRA administration
SUPPLEMENTAL Services
Our range of supplemental products complement your health care plan and provide valuable additional benefits to your plan. Options include:
- Flexible Spending Account (FSA)
- Health Savings Account (HSA) eligible High Deductible Health Plans
- Health Reimbursement Arrangement (HRA)
- Premium Only Plan (POP)
- Voluntary Life Coverage
- Accidental Death Coverage
- Short and Long Term Disability
- Dental Only Plans
- Vision Only Plans
EMPLOYER PORTAL
The BCBSWY Employer Portal makes managing your company’s health plan easy and convenient.
Through the portal, you can:
- View a summary of your group’s plan(s)
- Enroll, cancel and reinstate employees and their family members
- Experience real-time enrollment processing and 24-hour turnaround
- See enrollment status and history for each employee
- Make updates to employee information
- Monitor a census of employees
- Collect Medicare status
- Manage COBRA members
- See your bill and make a payment
- Get SBCs and Benefit Booklets
- See your group master agreement
- Provide support to employees with benefit information, forms and more
- Access wellness tools
- Maintain a record of employees with other coverage
- View claims (if designated by BCBSWY)
- Find employer resources including forms and administration guides
CHOOSING A PLAN
Things to consider...
Weigh factors such as coverage, cost, provider networks, and the unique health needs of their workforce when selecting a health insurance plan. You can tailor your offerings by choosing between plans that provide essential health benefits or more comprehensive services, depending on what best fits your team. Do you want to offer a plan with copays? A Health Reimbursement Arrangements (HRAs) or Flexible Spending Accounts (FSAs)? Our experienced agents can help you navigate the many options available to you and your team.
WHAT IS A HIGH DEDUCTIBLE HEALTH PLAN?
How do they work?
A High Deductible Health Plan (HDHP) is a form of health insurance that offers reduced monthly premiums but comes with higher deductibles. These plans are commonly chosen by people who are typically in good health and can manage larger out-of-pocket expenses. They are typically paired with a Health Savings Account (HSA). HDHPs function similarly to other health insurance plans—you pay a monthly premium for coverage, but the plan doesn’t start covering medical costs until you’ve met the higher annual deductible.
WHAT IS A HEALTH SAVINGS ACCOUNT?
How do they work?
A Health Savings Account (HSA) is a savings tool that offers tax benefits and is intended to help individuals enrolled in high-deductible health plans (HDHPs). To open an HSA, you must be covered by an HDHP. Compared to a Flexible Spending Account (FSA), HSAs offer greater flexibility: contributions can carry over from year to year, and you can invest the funds to potentially grow your savings. However, there are specific IRS requirements you must meet to qualify for an HSA:
- You must be enrolled in a qualified HDHP
- You cannot have any other health coverage
- You must not be enrolled in Medicare
- You cannot be claimed as a dependent on someone else’s tax return
WHAT'S THE DIFFERENCE BETWEEN 'ESSENTIAL' AND 'COMPRHENSIVE' HEALTH COVERAGE?
What you need to know...
Essential health coverage and comprehensive health coverage represent two distinct levels of health insurance protection. Essential health coverage refers to the baseline benefits mandated by the Affordable Care Act (ACA), which all health insurance plans are required to include. These benefits encompass preventive care services, such as physician visits, hospital treatment, and prescription medications.
On the other hand, comprehensive health coverage—also known as major medical insurance—provides a wider array of health care services that go beyond the ACA’s minimum standards. While it generally comes with higher premiums, it offers more robust financial protection in the event of serious medical needs.
EXPLORE HOW BCBSWY CAN WORK FOR YOUR TEAM
Have questions? Our local experts can help you find the right BlueSelect plan for your business.
We’re available Monday – Friday from 8 a.m. – 5 p.m.
Contact BCBSWY
Complete the below form for personalized service. Please allow up to three business days for follow up.
- Phone: 1-800-851-2227
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Mail: Blue Cross Blue Shield of Wyoming
P.O. Box 2266
Cheyenne, WY 82003 - Fax: 1-307-634-5742