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(do not use these links or online applications for HIPAA-only plans)
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SHOP FOR COVERAGE
and much more
(do not use these links or online applications for HIPAA-only plans)
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David J. Fluker, Licensed Life & Health Insurance Agent. California State License # 0B58920
Authorized Independent Agent Serving California Residents.
Web Site ©1999 - 2010 by David Fluker - The David J. Fluker Insurance Agency. All Rights Reserved.
Authorized Independent Agent Serving California Residents.
Web Site ©1999 - 2010 by David Fluker - The David J. Fluker Insurance Agency. All Rights Reserved.
Anthem Blue Cross is an independent licensee of the Blue Cross Association (BCA). The Blue Cross name and symbol are registered service marks of the BCA.
Blue Shield of California Life & Health Insurance Company is an independent licensee of the Blue Shield Association.
Blue Shield of California Life & Health Insurance Company is an independent licensee of the Blue Shield Association.
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The David Fluker
Health Insurance Agency
Gilroy, California
CA Insurance Lic # 0B58920
Tel 408-847-6139 Fax 408-762-4450 Toll-Free 800-509-0659
CA Insurance Lic # 0B58920
Tel 408-847-6139 Fax 408-762-4450 Toll-Free 800-509-0659
An affordable small group benefits program from Anthem Blue Cross of California!
The BeneFits portfolio from Anthem Blue Cross is designed to reduce complexity and cost, offering a truly affordable group benefits package to small businesses in california.
What is BeneFits?
BeneFits is a portfolio of six health insurance plans (with optional dental, vision and term life insurance) designed for employers offering first-time coverage on a limited budget.
What is different about BeneFits?
BeneFits features a choice of health plans that have been designed with more cost sensitivity than traditional group health plans. Employers who have avoided group coverage due to high cost can now offer a very affordable plan to their employees.
Employer contributions to the plan can be as low as 25% or $50 which is half the traditional contribution percentage and amount.
Employee participation is reduced from the traditional 75% down to 60% with the BeneFits portfolio.
What are the BeneFits plans available?
BeneFits offers a choice of five health plans. I have outlined the basics of those plans below. Employers may offer one, some or all of the plans in the portfolio.
So...
If you've thought about adding employee health insurance, but were worried about the cost, check out the rates for BeneFits by Blue Cross CA. You may find a health plan more affordable than you think.
And, to make it easier, you can do it all online through my broker site at Blue Cross of California. Simply click on my broker site link and then click on the BeneFits picture on that page. You can learn about the plans, get quotes and even apply online for your business.
Click here to view a summary of benefits from Blue Cross of California
What is BeneFits?
BeneFits is a portfolio of six health insurance plans (with optional dental, vision and term life insurance) designed for employers offering first-time coverage on a limited budget.
What is different about BeneFits?
BeneFits features a choice of health plans that have been designed with more cost sensitivity than traditional group health plans. Employers who have avoided group coverage due to high cost can now offer a very affordable plan to their employees.
Employer contributions to the plan can be as low as 25% or $50 which is half the traditional contribution percentage and amount.
Employee participation is reduced from the traditional 75% down to 60% with the BeneFits portfolio.
What are the BeneFits plans available?
BeneFits offers a choice of five health plans. I have outlined the basics of those plans below. Employers may offer one, some or all of the plans in the portfolio.
So...
If you've thought about adding employee health insurance, but were worried about the cost, check out the rates for BeneFits by Blue Cross CA. You may find a health plan more affordable than you think.
And, to make it easier, you can do it all online through my broker site at Blue Cross of California. Simply click on my broker site link and then click on the BeneFits picture on that page. You can learn about the plans, get quotes and even apply online for your business.
Click here to view a summary of benefits from Blue Cross of California
| PLAN | 1 Hospital BeneFits |
2 Hospital BeneFits Plus |
3 Hospital Benefits Preferred |
4 PPO $35 Copay GenRX |
5 Lumenos HSA 3000 |
6 Power Select HMO |
| Unique Value | A simple, affordable PPO Plan with Basic Hospital Coverage | A lower deductible PPO Plan combined with enhanced elements | Offers preferred protection and the richest benefits | Affordable PPO alternaive with generic only drug benefit | HSA-compatible PPO plan with 100% in-network preventative care coverage before any deductible | A compre-hensive HMO plan with unlimited coverage |
| Annual Deductible | $1250 2-member maximum | $1000 2-member maximum | $750 2-member maximum | $500 2-member maximm | $3000 single $6000 family | $500 |
| Hospital | 30% After Deductible | 30% After Deductible | 30% After Deductible | 35% After Deductible | $0 after deductible | 10% After Deductible |
| Outpatient Facility | 30% | 30% | 30% | 35% | $0 after deductible | 20% |
| Annual Out of Pocket Maximum |
Annual Deducitble plus $2500 2-member maximum | Annual Deducitble plus $2500 2-member maximum | Annual Deducitble plus $2500 2-member maximum | $4000 per member 2-member maximum | $3000 single $6000 family | $2250 per member; $4500 per family |
| Prescription Drugs | $15 Generic Only | $15 Generic Only | $15 Generic Only | $15 Generic Only | 100% covered after deductible | $15 Generic; $25 Brand after $150 brand deductible |
| Doctor Office Visits | No benefits for routine doctor visits | 50% co-insurance for first $1000 of covered expenses, and 100% after that (max Blue Cross payment $500/yr) including related services: lab, ex-ray, etc. | 50% co-insurance for first $1500 of covered expenses, and 100% after that (max Blue Cross payment $750/yr) including related services: lab, ex-ray, etc. | (not subject to deductible) $35 per visit first 12 visits; 45% for additional visits |
$0 after deductible, deductible waived for preventative care visits | (not subject to deductible) (includes office visits for maternity) $25 for primary care physician visits $35 for specialist or referral care visits |
| Other Professoinal Services | 30% after deductible related to covered hospital charges only | 30% after deductible related to covered hospital charges only | 30% after deductible related to covered hospital charges only | 35% after deductible includes maternity, diagnostic lab and x-rays | $0 after deductible | Not subject to deductible, no charge, includes maternity diagnostic lab and x-rays |
| Healthy Check Screenings. Tests & Immunizations | Choose $25 or $75 Screening Option | Choose $25 or $75 Screening Option | Choose $25 or $75 Screening Option | Choose $25 or $75 Screening Option | Nationally recognized preventative care covered at 100% | Not Available |
| Emergency Room | 30% | 30% | 30% | 35% | $0 after deductible | No charge if admitted |
| Maximum Lifetime Benefits | $5 Million | $5 Million | $5 Million | $5 Million | $5 Million | Unlimited |
This chart is intended as a basic overview of benefits only. Please consult the Anthem Blue Cross plan descriptions for specific benefits, exclusions and limitations.