CopayGo HDHP

Different by design. Better for your business.

CopayGo HDHP is an HSA eligible, high-deductible health plan built for large self funded employers – one that pairs a lower cost plan design with a simpler, copay based experience after the deductible.

• HSA eligible
• Cost control and clarity
• Copay only after the deductible

Quick links to CopayGo HDHP

What is CopayGo HDHP?


Why consider CopayGo HDHP?


Tiering, made simple


How CopayGo HDHP works


A better benefits experience

A high-deductible health plan without the usual trade offs

CopayGo HDHP was created to deliver meaningful cost control and a better health care experience – without making you choose between the two.

This isnt your average HDHP

Managing large group health plans often means balancing cost, complexity and the member experience — all at once. CopayGo HDHP is designed to help with all  three. Here’s how:

Cost control without complexity


When compared to traditional high-deductible health plans, CopayGo HDHP brings cost control and clarity together — without sacrificing the quality coverage your members expect.

HSA-enabled flexibility


Our streamlined design pairs the tax-free power of an HSA with the lowest possible deductible. This ensures members reach predictable, set-cost coverage sooner.

A simpler member experience

Once the deductible is met, covered services shift to clear, predictable copays — making costs easier to understand and plan for.

Transparency and digital support

Cost maps, provider comparison tools, deductible tracking, guided onboarding and 24/7 digital support give members the tools they need to make smarter, higher-value choices.

Broad access to care

A broad, tiered approach gives members access to physicians and hospitals across the U.S. and around the globe while helping them find the highest-value care.

Exploring your options? View our large group health plans or see our employer health plan overview.

Smarter tiering, better care choices

CopayGo HDHP uses a data-driven approach to guide employees to the highestvalue care across 20 provider types, including primary care and select specialties.²

Providers are grouped into two in-network tiers — Enhanced and Standard — making it easier for employees to choose high-value providers based on:

• Quality: Consistent delivery of care that follows guidelines and achievesexcellent outcomes.
• Appropriateness: Evidence-based decision-making and reduction of low-value
  care.
• Cost-Efficiency: Managing the total cost of care while delivering strong value.

Designed for a better coverage experience.

With CopayGo HDHP, managing care feels more intuitive. When members sign in to , everything they need is right at their fingertips — so they can explore options, understand costs and stay on track. Here’s how it works:

• Find the right care, at the right value: Members can compare providers by tier,see estimated costs and choose care that works best for them.
• Track progress toward the deductible: Members can easily track what they’ve spent and know exactly when they’ve met their deductible — so they always know where they stand.
• Pay the copay and go: Once the deductible is met, covered services shift to predictable copays — making it easier for members to get the care they need without overthinking the cost.

To learn more, reach out to your Highmark sales representative. Dont have a rep?
Connect with our team.

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²_{Uses the Blue Cross Blue Shield Axis® Provider Insights National Dataset.}