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Small Business Benefits

It takes a lot to run a business. Let Blue take care of your employee healthcare coverage at new lower rates. You’ll get exceptional service with a dedicated account manager, and a lot more.

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Healthcare plans that look out for your employees and your bottom line (2-50 employees).

Find peace of mind with an affordable healthcare plan that supports your employees’ health. You’ll get exclusive network options, negotiated provider discounts, and savings that fit your budget.

HMO and PPO plans for every budget. 

  • Coverage for 2 or more employees
  • PPO plans provide flexibility with no referrals and out-of-state coverage through BlueCard®
  • HMO plans offer comprehensive benefits coordinated through your selected primary care physician1
Learn MoreClick to see product guide for fully insured plans

Specially designed for smaller employers, Balanced Funding plans offer stop-loss limits for financial predictability and cost control.2

  • Available for 5 or more employees3
  • Fixed monthly cost for easy budgeting
  • Get a refund if claims are lower than expected
  • Stop-loss limits provide peace of mind
Learn MoreClick to see product guide for Balanced Funding plans

Smart Network Options

Whether you’re looking for broad provider access or exclusive network options to lower costs, we’ve got you covered. Network choice provides cost-saving opportunities for both your business and employees.


Employees get convenient access to a network of doctors and hospitals. This smaller network helps lower premiums. Learn about these local networks:

Alliance (Maricopa and Pinal Counties) Pima Connect (Pima County)

Get our broadest PPO provider network that includes 96% of physicians and 98% of hospitals in Arizona.4


PPO plans through BlueCard offer coverage in every ZIP code in the U.S. with access to 95% of physicians and 86% of hospitals.5

Save more than 11% by choosing the Blue High Performance NetworkSM with high quality in-network care in 65+ U.S. markets.6

More ways to protect your employees.

Specialty Insurance
Specialty Solutions

Complete your benefits package with dental, life, disability, critical illness, life insurance, and other specialty coverage.

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Wellness Programs

From preventive programs to condition management, we’ve got support to help your employees get and stay healthy.

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Tell us how we can best help with your coverage needs.

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Call us with questions

Monday - Friday from 8 a.m. to 4:30 p.m., Arizona time

Health Plan Documents

View product guides, summary of benefits, prescription drug formularies, and supporting documents based on your effective date.

Referrals not required for OB/GYN, chiropractic, and certain other in-network provider visits.

With Balanced Funding, composite rates are fixed. Monthly payments may still change based on a business’s employee census, as employees or dependents are added or removed.

Prior to January 1, 2023, Balanced Funding was only available for businesses with 9 or more enrolled employees.

CHP, 3Q 2020 provider data

PPO members have access to providers in other states through the BlueCard® program, and to providers around the world through the Blue Cross Blue Shield Global Core®

Consortium Health Plan analysis, 2020. Savings are on average and assume 100% enrollment. Results will vary based on locations and implementation