What is Blue Shield small business insurance Off-Exchange Package?
Blue Shield offers small businesses group medical insurance in California either through Covered California for Small Business (CCSB) or directly through Blue Shield or through a broker/agent. CCSB is called an “exchange” by policymakers and “off-exchange” refers to plans sold directly through Blue Shield and brokers. Blue Shield’s off-exchange plan benefits and rates are different from the plans offered through CCSB. There are more plan choices and provider networks in Blue Shield’s off-exchange portfolio of plans, however, the on-exchange plans in CCSB have good benefits and are also priced competitively.
What is Blue Shield small business insurance Mirror Package?
Mirror package plans from Blue Shield of California are identical to plans offered through California’s “exchange” called Covered California for Small Business (CCSB.) An employer can purchase the mirror plans directly from Blue Shield and a broker or agent and not go through CCSB. It is uncommon for an employer to offer employees Blue Shield mirror plans because the “off-exchange” plans provide more plan choices and are competitively priced. Also, if an employer wants the mirror plans then the small business should just sign up through CCSB. The Affordable Care Act (ACA, Obama Care) requires insurance companies to offer identical plans on and off the exchange and Blue Shield calls these identical off-exchange plans “mirror” plans. It’s just another way to make something that is already too complicated, more complicated.
Does Blue Shield for business offer any optional health benefits?
Blue Shield offers chiropractic and acupuncture care as a part of their Access+ HMO health plans. Blue Shield also offers an infertility rider which includes Gamete Intrafallopian Transfer (GIFT) but excludes In Vitro Fertilization (IVF), Zygote Intrafallopian Transfer (ZIFT), and other treatments. You should check the benefit description to confirm coverage. Blue Shield requires an extra monthly premium for each enrolled member of a small group when adding the infertility rider. Blue Shield of California also offers discounts and a wellness program called “Wellvolution.” Give us a call at BenefitsCafe.com (800)746-0045 if you want to know more.
What is Blue Shield for small businesses PPO plans?
Blue Shield of California “Preferred Provider Organization” or “PPO” plans allow small business members to obtain medical care from doctors and hospitals who have agreed to reduce their fees for services to Blue Shield members. These medical providers are referred to as “in-network.” PPO members can also obtain care from “out-of-network” doctors and hospitals and their Blue Shield small employer health plan will pay a portion of the cost. Out-of-network medical providers have not agreed to reduce their fees for Blue Shield members. So, these doctors and hospitals can charge whatever they want, and the patient is obliged to pay. Blue Shield PPO plans pay a lower percentage for services from out-of-network providers, so, it’s best to stay in-network. Blue Shield PPO network for small businesses is one of the largest in California and includes most of the providers, but not all, so check to see if your doctor is in-network.
What is Blue Shield HSA-compatible HDHP?
Blue Shield of California offers small employers Silver and Bronze level PPO plans that are HSA-compatible. Health Insurance plans that are compatible with Health Savings Accounts (HSA) are referred to as “High Deductible Health Plans” (HDHP.) When an employee is covered by an HDHP he/she can open a tax-advantaged savings account that the employee can use for medical expenses. Blue Shield’s HSA compatible plans use either the full PPO network or the “Tandem” PPO network which has fewer doctors and hospitals than the full network plans. Currently, a California small employer can offer Blue Shield HSA PPO Silver plans with either a $2,100 or $2,600 deductible and/or Bronze HSA with a $5,700 or $7,000 deductible. The out-of-pocket maximum is also important on HSA-compatible plans and this amount varies by plan. Contact BenefitsCafe.com for up-to-date info at 800-746-0045.
What is Blue Shield HMO plans for small businesses?
Blue Shield offers small employers in California Platinum, Gold, and Silver level HMO plans. These plans range from zero deductible plans to plans with nearly $3,000 deductible. Normally, the deductible only applies to in-hospital services but sometimes the deductible applies to some lab work and x-rays and MRIs. The plans with deductibles cost less on a monthly basis than the plans with no deductibles. Blue Shield HMO plans are competitively priced and include many doctors and hospitals. Call BenefitsCafe.com (800)746-0045 and we can answer your questions, prepare proposals, help you select plans for your employees, communicate the information to your employees, help them enroll, and assist you and your employees throughout the time that you have your health plans. Best of all, there is no additional fee for our services, so give us a call.
How do I know which Blue Shield medical insurance is best for my employees?
Blue Shield offers many different types of plans including PPO plans with large and small networks of doctors and hospitals; HMO plans that offer access to large, middle-size and small number of doctors and hospitals. Unfortunately, Blue Shield disguises the size of the number of doctors and hospitals that accept a plan by calling the “provider networks” names like, Full, Tandem, Access Plus, Local Access Plus and Trio, which mean nothing to an employer unless he or she spends a lot of time researching plans and knowing which questions to ask. Selecting the best plans for your employees also requires an employer with 1 – 100 employees in California to know that some employees want plans that will charge them little for in-hospital care (for example when having a baby); or be very inexpensive on a monthly basis for healthy employees. It is complicated and expensive. The good news is that a California small employer can work with a knowledgeable broker or agent to determine which plans are best for your employees and pay no additional charge for the advice. Better yet, the broker can explain things to your employees, set up online enrollment systems, prepare required compliance documents like Section 125 POP plans, SPD Wrap documents and help you comply with COBRA or CalCOBRA. In our humble opinion – and in the opinion of our clients who have given us glowing reviews on Google and elsewhere – we at BenefitsCafe.com do it better than anyone else. So, give us a call at (800)746-0045.