CopayGo

Simpler coverage. Real savings.

A smarter, copay-only health plan that helps employees make better care decisions — and helps your business control costs.

What sets CopayGo apart

CopayGo is Highmark's Alternative Health Plan (AHP), built with a data-driven, value-based design that guides employees to high-value care.

Smarter tiering, better care choices

CopayGo uses a data-driven¹ approach to guide employees to the highest-value care across 20 provider types, including primary care and select specialties.

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 achieves excellent outcomes. 
• Appropriateness – Evidence-based decision-making and reduction of low-value care.
• Cost efficiency – Managing the total cost of care while delivering strong value.
  

Easier care for everyday life

With CopayGo, employees get straightforward, everyday usability — all backed by Highmark's trusted network and digital tools.

Find and get care with confidence

The search experience in My Highmark helps employees find high-value care — fast. With intuitive features and real-time data, they're guided toward Enhanced providers and better choices.



Key features include:

• Transparent costs, including copays shown on map
• Provider comparisons by quality and price
• Smart filters by tier, location, or care type
• Appointment scheduling (when enabled by provider)

Know their benefits, inside and out

My Highmark makes it easy to understand what's covered and how to use their plan. Through clear language and interactive tools, employees can track coverage, costs, and usage without guesswork.

Key features include:

• Services and copays by tier and category
• Simple accumulators for out-of-pocket costs
• Dynamic prescription and benefit utilization information
• Easy-to-navigate coverage details, all in one place
  

Personalized support, right in the chat

Whether employees have a quick question or need help finding care, the 24/7 chatbot experience delivers support that's fast, accurate, and tailored to their plan.

Key features include:

• Plan-specific copay and benefit information
• Help finding providers and scheduling care
• Symptom Checker integration
• Always-on, always-personalized assistance

How CopayGo works

CopayGo makes it easy to get care and know what it will cost — in just three simple steps.

1. Sign in to My Highmark
   Employees can search for the care they need and find in-network providers anytime, anywhere.
2. Compare costs and providers
   Tier and copay amounts are clearly shown, helping employees understand both value and cost.
3. Get care, pay your copay, and go
   There's no deductible or coinsurance. Just clear, up-front costs at the time of the visit.

Why CopayGo works

By guiding employees to better care decisions and reducing unnecessary costs, CopayGo delivers up to 5% savings compared to traditional PPO plans.³

¹_{Uses Blue National Provider Performance Dataset, collaboratively delivered by the Blue Cross Blue Shield Association and Blues Health Intelligence.} 

²_{According to the Blue Cross Blue Shield Association.} 

³_{Savings compared to traditional PPO plans. Actual results will vary based on plan design and other factors. Savings opportunity will be calculated as part of the quoting process.}