Home  FlexScape Decision Guide
FlexScapeSM Decision Guide |
|
FlexScape for Small Groups from Blue Cross of California
offers you and your employee's implausible choice in choosing on affordable
health care coverage to best fit your needs. This Decision Guide will
assist you and your agent will pick the financing method best for your
company and be familiar with the most suitable health plans offering
your employees.
| Step One: Contribution
Options |
Your company and its employees may contribute to the
monthly cost of health insurance premiums. Blue Cross offers three financing
alternatives to employers with FlexScape for Small Group:
- Defined Contribution 100: Your Company pays
$100 per month for individual employees.
- Your company pays any fixed monthly amount
over $100 that you choose for each enrolling employee.
- Traditional Contribution: Your company pays
50% or more of the total monthly employee cost.
In all cases, employees pay any balance of the monthly
premium.
To help you choose the contribution option right for
your business, please answer the following questions:
- On a scale from 1 to 3 with 1 being Not Important and 3 being
Very Important, how important is it to you to pay a fixed amount
per employee, regardless of total cost?
If you selected 1, the Traditional Contribution
option may be your best choice. If so, please skip to STEP TWO. Or
you may want to consider our defined contribution options by continuing
with questions 2-5.
If you selected 2 or 3, please answer the
following questions:
- How many employees in your company will be enrolling
for health coverage?
- Approximately how much is your business currently paying toward
health care coverage each month?
- Approximately how much is your business willing and able to pay
toward health care coverage each month?
- Divide your target premium amount (the lesser of number 3 or 4)
by the number of employees you indicated in number 2.
If the amount in number 5 is $100 or less, the Defined
Contribution 100 option may be your best choice.
If the amount in number 5 is more than $100, the Defined
Contribution Select option may be your best choice.
You can sanction your employees to favor from among all of our health
plans, from a small amount of of them, or else simply offer them a single
plan while considering under Employee Elect plus SM. To help you determine
how many health plans to offer, please answer the following questions:
Standard group participation requirement is a minimum of 75% of eligible
employees. Group participation requirement increases to a minimum
of 80% of eligible employees if: (a) the employer selects either defined
contribution financing option; (b) the employer selects two or more
PPO plan options or the EPO plan and one or more PPO plan options; and/or
(c) the employer selects two HMO plan options.
The Basic PPO Plan is available only if it is the only PPO/EPO plan
selected by a group; or if the group chooses the Basic PPO Plan with
other PPO/EPO plan options and has been uninsured for at least 30 days.
You Blue Cross Authorized Agent can assist you in understanding
your choices and making your final decision.
|
