Cost Management Solutions

From spending accounts, to our integrated pharmacy approach, and beyond
- helping you manage costs is a big part of how we simplify health care for
your business.

drawing of a man on a bike heading towards lower costs

Lower your total cost of care

Highmark’s total cost of care approach focuses on member health care costs. Close provider relationships and low unit costs drive savings in medical costs that are up to 14% less than others insurers. And we have a validated study to prove it.

READ OUR WHITE PAPER

Pharmacy solutions

Getting your pharmacy benefits from the same place you get your health plan can save your company as much as $230 per member per year.¹ See how Highmark can help keep your team healthy while keeping costs down for everybody.

Drawing of woman riding bicycle on a sunny day shows Highmark Health Blue Cross Blue Shield network availability to employer customers.

Blues integration

Better coverage leads to more savings. When you’re with Highmark, you and your team have access to the Blue Cross Blue Shield network and all the high-quality care and cost-saving that come with it.

Spending accounts

Every health plan has some kind of out-of-pocket cost that comes with it. There are also other expenses that your health plan doesn’t cover. Spending accounts help members use pretax dollars to save money on some of these expenses. See what spending accounts pair best with your health plan.

Payment integrity

From identifying overpayments to investigating fraud, our extensive step-by-step payment integrity process helps ensure claims are legitimate, appropriate, and accurately paid.

Learn more
Stop Loss

As high-dollar claims continue to rise in frequency and severity, help protect your self-funded health care plan from financial risk with the right Stop Loss insurance coverage.

EXPLORE STOP LOSS

Need financial protection for your self-funded health plan?

Talk to your client manager today.

¹_{Findings based upon Highmark analysis of 2017 – 2019 group experience of paid medical costs.}

Highmark is a registered mark of Highmark Inc. © {currentyear} Highmark Inc., All Rights Reserved.

All references to “Highmark” in this document are references to the Highmark company that is providing the member’s health benefits or health benefit administration and/or to one or more of its affiliated Blue companies.

Highmark Blue Cross Blue Shield and Highmark Blue Shield are Medicare Advantage HMO, PPO, and/or Part D plans with a Medicare contract. Enrollment in these plans depends on contract renewal. Highmark Wholecare offers HMO plans with a Medicare Contract. Enrollment in these plans depends on contract renewal. Highmark Health Options Duals offers HMO plans with a Medicare Contract. Enrollment in these plans depends on contract renewal. ®Blue Cross, Blue Shield and the Cross and Shield symbols are registered service marks of the Blue Cross Blue Shield Association, an association of independent Blue Cross and Blue Shield plans.

The following entities, which serve the noted regions, are independent licensees of the Blue Cross Blue Shield Association: Western and Northeastern PA: Highmark Inc. d/b/a Highmark Blue Cross Blue Shield, Highmark Choice Company, Highmark Health Insurance Company, Highmark Coverage Advantage Inc., Highmark Benefits Group Inc., First Priority Health, First Priority Life Insurance Company, Highmark Care Benefits Inc., Highmark Senior Health Company, or Gateway Health Plan, Inc. d/b/a Highmark Wholecare. Central and Southeastern PA: Highmark Inc. d/b/a Highmark Blue Shield, Highmark Benefits Group Inc., Highmark Health Insurance Company, Highmark Choice Company, Highmark Senior Health Company, or Gateway Health Plan, Inc. d/b/a Highmark Wholecare. PA: Your plan may not cover all your health care expenses. Read your plan materials carefully to determine which health care services are covered. For more information, call the number on the back of your member ID card or, if not a member, call 866-459-4418. Delaware: Highmark BCBSD Inc. d/b/a Highmark Blue Cross Blue Shield or Highmark BCBSD Health Options Inc. d/b/a Highmark Health Options. Highmark Health Options Duals is offered by Highmark Blue Cross Blue Shield. West Virginia: Highmark West Virginia Inc. d/b/a Highmark Blue Cross Blue Shield, Highmark Health Insurance Company, Highmark Senior Solutions Company, or Highmark Health Options West Virginia Inc. d/b/a Highmark Health Options and Highmark Blue Cross Blue Shield. Highmark Health Options Duals is offered by Highmark Blue Cross Blue Shield. Visit https://www.highmarkbcbswv.com/networkaccessplan to view the Access Plan required by the Health Benefit Plan Network Access and Adequacy Act. You may also request a copy by contacting us at the number on the back of your ID card. Western NY: Highmark Western and Northeastern New York Inc. d/b/a Highmark Blue Cross Blue Shield. Northeastern NY: Highmark Western and Northeastern New York Inc. d/b/a Highmark Blue Shield.