Doctor smiling in hallway

Flexible Group Health Insurance Plans

With Options Designed to Improve Your Bottom Line

Your health care needs are as unique as your business. That’s why Blue Cross and Blue Shield of New Mexico (BCBSNM) offers health care coverage with a wide variety of options across a range of price levels. We’re here to help you find the plan that’s the right fit for your business, and the right choice for your workforce. Discover how easy BCBSNM makes it for businesses of all sizes to stay under budget and on top of your employee health.

Let’s Take Care of Your Employees’ Health, Together

Choose from a variety of health care plan options that allow you access to our large network of providers and comprehensive benefits. We’re here to help you streamline administration, control costs and meet regulatory requirements. Plus, we’ll help your employees enroll in benefits and maintain a healthy lifestyle to deliver better care for your employees and a better value for your business.

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What are PPO, HMO and EPO Group Insurance Plans?

  • PPO, or Preferred Provider Organization, plans usually carry a higher monthly premium while allowing your employees to choose any physician they wish, either inside or outside the BCBSNM network.
  • HMO, or Health Maintenance Organization, plans facilitate coverage through a primary care provider (PCP) from your employee’s choice of physicians within our network.
  • EPO, or Exclusive Provider Organization, plans allow your employees to seek services from a predetermined list of in-network providers without having to seek a referral from their primary care physician.

Explore PPO Plans

The BCBSNM PPO network gives you flexible benefit design options at a price you can afford while giving your employees a wide range of benefits and the freedom to visit any doctor they choose.


Best Fit: 2-50 Employees

The Blue PPO provides flexibility to your employees through our statewide PPO provider network with a choice of annual out-of-pocket maximums and deductible amounts.

BluePPO EvolutionSM

Best Fit: All Groups

Your employees choose their own provider from the most comprehensive provider network in New Mexico and have access to our nationwide provider network through the BlueCard® program.

Explore HMO Plans

The HMO network provides basic care and prescription medication coverage while coordinating with our care specialists for any necessary referrals. Your employees have a choice of Primary Care Providers from a large network of contracting HMO physicians and medical groups.


Best Fit: 51-150 and 151+ Employees

HMO Blue offers your employees a choice of Primary Care Providers (PCPs) and coverage for preventive health services, access to the most comprehensive provider network, and predictable copays.

Blue HMO NetworkSM

Best Fit: 2-50 Employees

The Blue HMO Network provides basic care and prescription medication and coordinates specialist care with appropriate referrals. Your employees have a choice of PCPs from a large network of contracting HMO medical groups.

Blue Advantage HMOSM

Best Fit: 2-50 Employees

The Blue Advantage HMO offers a broad provider network of contracting medical groups, independent practice associations, and contracting hospitals at a more affordable cost.

Explore EPO Plans

EPO plans from BCBSNM offer the benefits that your employees need most with no referrals required. Your employees can choose their own in-network provider and can take their benefits with them when they travel with access to the BlueCard® program.


Best Fit: All Groups

Immediate benefits for the most used services — office visits, exams, and lab tests, without having to meet the deductible and with no referrals required. Preventive care coverage at no cost. Get a choice of deductible, coinsurance, and copay plan options.

BlueNet “H” EPOSM

Best Fit: 51-150 and 151+ Employees

Your employees can choose their own in-network provider. They’ll also have coverage when traveling, including the unique BlueCard® program. The plan also provides comprehensive coverage with simple cost-sharing features, prescription drug coverage, including retail and mail-order services, and additional features.

Blue Preferred EPOSM

Best Fit: All Groups

The Blue Preferred EPO gives your employees the flexibility to select a primary care provider and find specialized care with no referrals required. The plan also provides support and guidance tools to help your employees make informed decisions about their health care.

BCBSNM Supports Your Business

Health care benefits are a crucial part of recruiting new employees and retaining your existing workforce. That’s why BCBSNM provides you with the tools, resources, and professional health care expertise you need to maintain the health, productivity, and satisfaction of the employees who help your business thrive.

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