California health insurance - Group health insurance in California - Blue Cross Group Health Insurance
Blue Cross of California Group Health Benefits
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Blue Cross of California is one of top carriers in California for group health benefits and for good reason. Let's look at the options available and how to best quote and compare Anthem's options.
First, Blue Cross of California is a member of Anthem and is separate from Blue Shield of California in our State. This is unique in that Blue Cross Blue Shield is generally combined in most States. Blue Cross has been a dominant group carrier for decades and progressively leads the market with new, innovative ways for companies to cover their employees.
So what options are best within Anthem Blue Cross' plan offerings?
Employee Elect and Employee Choice
Why pick just one?
Anthem Blue Cross was the first carrier to roll out the "cafeteria" style plan for small companies under 50 lives. This essentially allows a company to offer many plans across different networks (HMO, PPO, HSA, HRA, etc) to each employee.
Most importantly, in conjunction with this flexibility, they established Defined Contribution where a company can designate how much they will pay towards an employee's health plan.
There are three main options that work well for Defined Contribution:
- A defined amount of money per month per employee
- A percentage contribution towards any plan
- A percentage contribution towards one plan; that amount then applied to any plan
Defined contribution option #3 typically works best.
It allows a company to set it's budget while not penalizing employees that are older. It tends to be the best balance between protecting the companies budget while insuring parity among employees.
How To Quote Blue Cross Group Plans
We make it simple and clear for you to evaluate the options.
We just need this information:
- Basic census information (dates of birth or age, zip code, and dependent info)
- Monthly company or per/employee contribution by employer
That's all it takes! We can create the reports which will show worksheets by employees with their cost by plan; the company's cost by plan; and full benefit summary.
Blue Cross Group Provider Networks
One of the reasons Blue Cross of California remains popular on the group health benefit market is because of their networks of doctors and hospitals. They consistently have a dominant provider network in the State. Their PPO group plans will also give you access to the Blue Card network and BCBS providers in other States. Most of the top hospitals (UC's, Cedar Sinai, etc) and doctors are contracted with Blue Cross for group plans.
Additional ways to save and insure with Blue Cross Group Plans
We can also provide many cost saving options and additional benefit quotes including dental, vision, life, POP 125's, HSA, HRA, Payroll, and more. This will all be included in your custom proposal.
As Licensed Health Agents for Anthem Blue Cross of California, there's no cost for our services.
That's just the start. We will also be able to assist you throughout the year in terms of network questions, membership changes/issues, renewal analysis, ACA (Affordable Care Act) changes and compliance, and a host of others.