Blue Shield of California
Blue Cross of California Small Business Health Plans
Blue Cross of California offers numerous health insurance plans for small business owners with between two and fifty employees. The biggest decision you, as a business owner, must make is which type of health insurance plan to offer your employees.With Blue Cross of California, you have a plethora of options when it comes to employee health insurance plans. Blue Cross of California currently offers several group health insurance plans, giving employers the flexibility to choose the health insurance plans that best fit their employees' needs.
Employers have the option of offering their employees a single health insurance plan with Blue Cross of California, or they can allow their employees to choose from several or all of Blue Cross of California's employee health plans.
Family Health
Business Health
All of the group health insurance plans share several benefits: Each has relatively low monthly premiums, includes a yearly preventive care screening, and prescription drug coverage goes into effect immediately.
By far the most popular plan with employers, the Employee Elect Medical Plans, which feature numerous individual PPO and HMO plans, require both the employer and the employees to make contributions to pay for the cost of the health insurance.
The Employee Elect Medical Plans are divided into several separate tiers - Affordable Protection, Top-Selling Choices, Richest Benefits, and Financially-Savvy Options that allow employees to choose the type of coverage they want and can afford.
The Affordable Protection tier, for example, features several health insurance plans that are designed to offer different levels of coverage at affordable prices while the Top-Selling Choices tier offers health insurance plans that are both comprehensive yet affordable for what is offered.
Alternately, the Employee Choice Program, which is part of the overall Employee Elect Medical Plans, is popular for those employers who want to offer affordable HMO health insurance coverage to their employees. A unique selling point of Blue Cross of California's Employee Choice Program is you can choose from several Blue Cross HMO and PPO programs, and you can also offer another health insurance carrier's HMO health insurance program to your employees at the same time.
Both the Employee Elect Medical Plans and the Employee Choice Program feature the same program requirements.
Blue Cross of California also offers a health insurance program for those employers who have never provided health insurance for their employees before. The BeneFits Portfolio is designed to make it much easier for employers to qualify for health insurance plans, to afford, and to understand those health insurance plans that are offered.
The BeneFits Portfolio features both PPO and HMO health insurance plans, each of which requires lower employer contributions and lower participation of employees.
Blue Cross of California also makes it easy for employers to share the burden of health insurance costs with their employees by offering employer contribution options on all of their employee small business health insurance plans.
Finally, many of the small business health insurance plans offered by Blue Cross of California are HSA-eligible, which means members can start a Health Savings Account plan to help pay for any costs that aren't already covered by the generally high-deductible health insurance plans.
