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Small Group Fully Insured Metallic Plans

Blue Cross and Blue Shield of New Mexico offers a variety of fully-insured standard ACA plans for your small group clients with up to 50 employees.

Network Options

Plan NameBlue PPO℠Blue HMO℠Blue Preferred EPO℠Blue Advantage HMO℠
Plan TypeBroad Nationwide PPOBroad Statewide HMOSmart Nationwide EPOSmart Statewide PPO
Primary Care PhysicianNot requiredRequiredRequiredRequired
Specialist ReferralNot requiredNot requiredNot requiredNot required
Out-of-Network BenefitsYesNoNoNo
Access to BlueCardYesUrgent/Emergency Services OnlyYesUrgent/Emergency Services Only
Residency RequiredNoYesNoYes

Complementary Value-Add Programs

Putting the power of wellness in members’ hands helps them save money and prevent some types of health conditions, reducing doctor visits and hospitalizations. Complementary programs include:

savings icon

Blue365℠

Employees save on health products from top retailers with no claims or referrals needed.

Visit the member site
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Wondr Health™

This online weight management program* teaches skills to improve physical, mental, and emotional wellbeing.

See Wondr's curriculum
diabetes management

Metabolic Health Management

Eligible members have access to a diabetes reversal program. The program improves blood sugar, safely reduces or eliminates medications and reverses type 2 diabetes — all offered as a covered benefit and at no cost.

Pharmacy & Prescription Management

With the Blue Access for Members℠ account, members can search for in-network pharmacies, find covered medicine, get cost and coverage details on prescriptions and manage refills. Learn more.

Share the Drug List when consulting with employers about small group metallic plans.

Wellbeing Management: Included Programs and Services

New for 2027: GO WellbeingSM

Introducing GO Wellbeing, a complete wellness solution delivering member-centered wellness tools and programs.

The RealAge Test. An assessment evaluates all domains of health to develop a “health age.” Members track daily health habits to improve their RealAge scores.

Challenges. These help members test their abilities and bolster progress toward individual goals.

Rewards. Members earn rewards for activities. In-platform redemptions incentivize members to stay engaged in their health journey.

Well onTarget®

GO Wellbeing replaces Well onTarget for new business starting Jan. 1, 2027. For renewing groups, the transition occurs on their 2027 renewal date.

Blue Points℠. Members earn and redeem points for participating in wellness activities. Review our Blue Points member flyer.

Fitness Program. This program offers a flexible gym network to fit members’ lifestyles and budgets. Learn more by visiting the Well onTarget site.

Ready to Create a Quote?

Get the tips, how-tos, and resources on quoting a small group metallic plan for your employer client.

 

Hinge Health and Wondr are independent companies contracted with Blue Cross and Blue Shield of New Mexico to provide chronic disease prevention and management solutions for members with coverage through BCBSNM. BCBSNM makes no endorsement, representations or warranties regarding third-party vendors and the products and services offered by them.  

Twin Health is an independent company that has contracted with BCBSNM to provide care and disease management for members with coverage through BCBSNM.  

Last Updated: Oct. 29, 2026