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Preferred Provider Organization (PPO)
This network provides both local and national coverage. Services received by a participating provider both inside and outside of Western New York are considered in-network through the national Blues network.
Ideal for: Employees who travel often and/or receive services outside of Western New York.
Expanded network (EX)
This network offers an extensive variety of quality health care professionals both locally and across the country — all at the same in-network cost. A local primary care physician (PCP) must be on file and seen for your routine physical.
Ideal for: Employees who live or work in a Western New York county*, but live near other counties and receive services in both areas.
Health Maintenance Organization (HMO) / Point-of-Service (POS)
With this network, care is coordinated through the primary care physician. All participating health care services received within the eight counties of Western New York* are considered “in-network,” and are provided at the lowest cost-share available to you.
Ideal for: Employees who receive care within the eight counties of Western New York*.
High-quality Coverage for Every Budget
*Counties include: Allegany, Erie, Cattaraugus, Chautauqua, Genesee, Niagara, Orleans, and Wyoming.
**These plans are available to employers in Erie and Niagara counties.