The David Fluker Health Insurance Agency
Gilroy, California
California License # 0B58920
Toll-Free 1-800-509-0659
Local 408-847-6139
Fax 408-762-4450
Gilroy, California
California License # 0B58920
Toll-Free 1-800-509-0659
Local 408-847-6139
Fax 408-762-4450
Authorized Independent Agent
Individuals & Families
Seniors 65+
Small Businesses
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Seniors 65+
Small Businesses
Send An E-mail
Provider Search
Forms & Applications
Request Quotes
About Us
Home Page
Contact Information
Hot Topics
Site Map
Client Testimonials
Click On The Images Below To Visit My Broker Sites
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Blue Cross of California
Blue Shield of California
Health Net of California
Kaiser Permanente of California
David J. Fluker, Licensed Life & Health Insurance Agent-Broker. California State License # 0B58920
Authorized Independent Agent-Broker Serving California Residents Representing All Carriers.
Web Site ©1999 - 2008 by Dave Fluker - The David J. Fluker Insurance Agency. All Rights Reserved.
Authorized Independent Agent-Broker Serving California Residents Representing All Carriers.
Web Site ©1999 - 2008 by Dave Fluker - The David J. Fluker Insurance Agency. All Rights Reserved.
Kaiser does not have a broker portal at this time. If you apply online. please included my name and ID# 7403 on the application. Thanks!
An affordable small group benefits program from Blue Cross of California!
Welcome To...
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 five 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 five 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 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 | 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 | $500 |
| Hospital | 30% After Deductible | 30% After Deductible | 30% After Deductible | 35% After Deductible | 10% After Deductible |
| Outpatient Facility | 30% | 30% | 30% | 35% | 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 | $2250 per member; $4500 per family |
| Prescription Drugs | $15 Generic Only | $15 Generic Only | $15 Generic Only | $15 Generic Only | $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 |
(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 | Not subject to deductible, no charge, includes maternity diagnostic lab and x-rays |
| Healthy Check Screenings. Tests & Immunization s | Choose $25 or $75 Screening Option | Choose $25 or $75 Screening Option | Choose $25 or $75 Screening Option | Choose $25 or $75 Screening Option | Not Available |
| Emergency Room | 30% | 30% | 30% | 35% | No charge if admitted |
| Maximum Lifetime Benefits | $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.
