One of the hardest parts of getting insurance for your business is finding a plan that makes everyone happy. Most companies force you to squeeze the diverse needs of your staff into a tiny little box they like to call a “health plan.”
With Blue Cross BeneFits, your employees can choose from 5 different plans. It means they get more flexibility for meeting their medical needs, and their individual budgets. It makes it easy for your business to get affordable quality care.
The BeneFits Plans
The BeneFits plans go from hospital-only coverage to robust PPO and HMO plans.
Hospital BeneFits
This low-cost plan covers hospital visits, 70% of the cost of care after the deductible is met and 100% coverage after $2,500 maximum out of pocket is satisfied. And generic prescription drugs cost only $15 when you use a pharmacy in the Blue Cross network. The plan offers a lifetime maximum of $5,000,000 in coverage. The deductible is $1,250.
Hospital BeneFits Plus
The HB Plus plan offers the same coverage as the basic plan, but adds coverage for doctors visits. This plan will pay for 50% of the cost of doctor visits and other professional services including maternity care, x-rays, and lab work, up to $500 a year. And the coverage for those services starts immediately, before you’ve met the plan’s $1,000 deductible.
Hospital BeneFits Preferred
Take the benefits of the HB Plus plan, then toss in dental and vision care. You get 2 free teeth cleanings a year, and an eye examine every 12 months. You’ll also get up to $750 in coverage for doctor and professional services. The Preferred plan has $750 deductible.
PPO GenRx Plan
The GenRx plan is comprehensive plan that covers doctor, hospital, and prescription drug costs. Doctor visits have a $35 copay. 65% of your hospital bills are paid for up to $4,000 maximum out of pocket and then Blue Cross pays 100% of all covered benefits. And generic prescription drugs only cost $15. Adding dental coverage and other extras is easy and affordable. The GenRx plan has a deductible of just $500 which is applicable to in/out-patient hospital services.
Power Select HMO Plan
The Power Select Plan offers the most predictable costs. Doctor visits have a $25 copay, and specialist visits just $35. There’s no charge for maternity care, lab tests, and x-rays. 90% of inpatient hospital bills are paid for until you reach your maximum out of pocket of $2,250 and then Blue Cross pays 100%. And you have an unlimited lifetime maximum. The Power Select Plan has a $500 deductible applicable to in/out patient hospital.
With BeneFits, you get a range of coverage and affordability. And enrolling your business is easy. You can apply online right now.