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Network Advantages

Rooted in the community, recognized nationwide

At BlueCross BlueShield of WNY, we offer a variety of diverse, expansive networks — so you can choose the coverage that best suits your unique needs. The following information explains what to expect with our network options. 

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

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Tiered

Lower cost-sharing options for members who choose Kaleida Health hospitals and specialists (Optimum Choice)

 

Members also have the option to seek services from any BlueCross BlueShield provider with higher out-of-pocket costs (Flexible Choice)

 

Lower cost-sharing options for members who choose Catholic health hospitals and specialists (Optimum Choice)

 

Members also have the option to seek services from any BlueCross BlueShield provider with higher out-of-pocket costs (Flexible Choice)

 

Select

To receive in-network cost shares, members are required to receive care from Kaleida hospitals

To receive in-network cost shares, members are required to receive care from Catholic Health hospitals

 

Ideal for

Employees who receive services from Kaleida physicians and facilities

Employees who receive services from Catholic Health physicians and facilities