Blue High Performance Network®

BlueHPN® is designed to give your employees quality care at a lower cost to you.

Affordable health insurance for employees

  1. Your employees will have access to a national network of BlueHPN providers.
  2. BlueHPN providers have been carefully chosen to provide convenient and affordable health care.
  3. There is no coverage outside the network, but employees will have access to emergency and urgent care.*
  4. Providers have demonstrated a history of delivering total cost-of-care savings of 8% or higher over Blue Cross PPO network costs.

Employee benefits

How is BlueHPN different?
BlueHPN is a narrow, national, exclusive network. This means your employees need to use Blue HPN providers, clinics and hospitals or they may be responsible for up to the total cost of their out-of-network care. Your employees will save on their premiums and out-of-pocket costs but will only have access to care from a BlueHPN provider, except for emergency and urgent care.

This network was created to align with national and local quality standards. We've also evaluated providers' ability to meet the most important needs of each community. This includes assessing how consistently providers are:

  • Delivering appropriate care
  • Providing better outcomes
  • Following best practices
  • Encouraging better health management

  

Plan coverage

The BlueHPN service area map with legal mark double asterisk showing BlueHPN Markets and New BlueHPN Markets 2026
See a list of current BlueHPN provider locations

New for 2026: Blue Cross Blue Shield of Michigan has expanded its Michigan network of BlueHPN providers to include four new counties in our Southeast Michigan market — Genesee, Washtenaw, St. Clair and Livingston — and a new market in West Michigan consisting of Kent, Allegan, Ottawa, Muskegon and Newaygo counties. We’ve also expanded provider access in these Michigan counties to include more primary care providers and all PPO specialists and facilities within the Michigan BlueHPN market.

By choosing BlueHPN, your employees will have access to a full range of primary care providers, specialists and hospitals in 69 major metro areas.**

Before they choose, it’s important for them to confirm that all current primary care and other providers are in network. If the providers or services aren’t on the list, they’ll need to select new ones to be covered. They can also search providers in areas where they or members of their family live, visit or go to school.

Search BlueHPN providers

Who should consider this plan?

BlueHPN is a quality, cost-effective plan for employees who:

  • Live in BlueHPN service areas
  • Prefer a lower-cost plan with a smaller network of quality providers
  • Are willing to change to BlueHPN providers 

Frequently asked questions

Our agents can help you set up your plan, enroll your employees and determine the easiest way to set up payments. Contact an agent to learn more. 

There are three types of accounts used to pay for medical expenses: a health savings account, or HSA, a health reimbursement arrangement, or HRA, and a flexible spending account, also known as an FSA.

These accounts are part of what's called consumer-directed health care. They offer:

  • Potential tax savings by being tax exempt or tax deductible
  • More control over health care costs
  • Lower health care costs

We can help you decide which is best for your business and employees. Connect with us.

PCP Focus is a custom primary care physician HMO network offered by Blue Care Network. The doctors your employees will choose from this network have shown they can provide quality care and a high level of efficiency that lowers health care costs. We pass those savings on to you — your premiums are up to 8% lower when you choose a plan with the PCP Focus network.

Resources

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Toolkit
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Guide and worksheet

Help your employees better understand how BlueHPN works.

Download now
Toolkit
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Open enrollment resources

Help your employees understand HMO and PPO plans.

Go to resources
Toolkit
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Online account

Teach your employees how to manage an online account.

Get information

Still have questions?

We can help you find the right solutions for your business' unique needs.

Connect with us

*Emergency care is covered when provided by BlueHPN and non-BlueHPN providers. Urgent care is only covered when provided by BlueHPN providers. Please contact your health plan administrator or human resources department to learn more about emergency and urgent care coverage. 

**This map is effective Jan. 1, 2026, and is subject to change. The following states have BlueHPN providers in the cities indicated on the map, but they also offer BlueHPN providers outside of those cities: Colorado, Florida, Indiana, Louisiana, Maine, Maryland, Minnesota, Missouri, New Hampshire, New Jersey, Nevada, Oklahoma, Tennessee and Washington.