Our portfolio of large group health plans includes flexible plan designs and value-driven features that can help your accounts and their employees make the most of their health care spending. Plans may include:

• Varying copayment, coinsurance and deductible amounts.
• In- and out-of-network benefits.
• Tax-advantaged heath spending accounts, such as health savings accounts (HSAs), health reimbursement arrangements (HRAs) or flexible spending accounts (FSAs). These encourage thoughtful decisions about how members spend for health services.
• Member-centered health management programs — When members are engaged, these program help encourage healthy lifestyle choices and support those living with chronic conditions.
• Utilization management to help control costs by ensuring that covered services are medically advisable and appropriate.

Innovative BlueCross BlueShield of South Carolina care models create incentives for providers to deliver people-focused, cost-effective care. Some examples include:

• Bundled payment strategies aiming to curb health care costs while maintaining the quality of services.
• Patient-centered medical homes (PCMHs) that keep members connected to their caregivers — and make sure multiple caregivers are communicating with each other.
• Accountable care organizations (ACOs) that link provider reimbursements with specific quality goals.

BlueCross has more PCMHs and ACOs than any other insurer in the country.