Anthem Blue Cross is the largest health insurer in the Blue Cross Blue Shield Association of America. Anthem Blue Cross is one of the Eight California Choice(Cal Choice) carrier partners. In California, the insurer operates as Anthem Blue Cross and has approximately 800,000 customers, making it one of the largest health insurers. Operates as Empire Blue Cross Blue Shield in New York State and Anthem Blue Cross and Blue Shield in 10 states.
Anthem Blue Cross offers the health insurance coverage and choices you – and your employees – want and need. Whether you’re new to Anthem Blue Cross or have been a member for years, you can trust that Anthem Blue Cross will continue prioritizing you and your employee’s health coverage needs. Additionally, Anthem Blue Cross strives to make the most of your health coverage by supporting you every step of the way. From choosing the right group health plan to connecting you with the right doctors, Anthem Blue Cross is committed to simplifying and caring for every aspect of your small business health Coverage.
2024 Anthem Blue Cross HMO Group Health Plan
When it comes to healthcare, an HMO (health maintenance organization) can be a cost-effective option. However, to receive care within an HMO network, you must choose a primary care physician who will manage your healthcare needs and refer you to other in-network doctors as necessary. It’s important to note that HMOs typically do not cover services received outside of their network, except for emergency and urgent care or with prior approval. If you choose to receive care from an out-of-network provider, you may need to pay out of pocket unless state or federal laws apply.
Anthem has the largest provider network in the nation (and in California), so you’re likely to find that your preferred doctor is already in-network – saving you money and time.
Below is one of the most popular Anthem Blue Cross HMO group health plan:
Anthem Blue Cross Platinum HMO A: This Plan is not Deductible; the Out-of-Pocket Max for Individuals is $8,000 and $16,000 for Families. The plan offers a copay of $10.
2024 Anthem Blue Cross PPO Group Health Plan
If you value the freedom to choose your healthcare provider while controlling costs, then PPO (Preferred Provider Organization) plans are the ideal option for you. With a PPO plan, you can select your primary care physician from their network and receive care from specialists without requiring a referral from your PCP. The network is designed to meet your specific needs.
Anthem has the largest provider network in the nation (and in California), so you’re likely to find that your preferred doctor is already in-network – saving you money and time.
Below are some of the most popular Anthem Blue Cross PPO group health plan:
Anthem Blue Cross BRONZE PPO A: This Plan comes with a Calendar year Deductible of $6,250 and $12,500 combines medical (Med) coverage with prescription drug (Rx) coverage. The Out-of-Pocket Max for Individuals is $7,350 and 14,700 for Families. The plan offers a copay of 30%.
Anthem Blue Cross SILVER PPO C: This Plan comes with a Calendar year Deductible of $1,700 and $3,400 combines medical (Med) coverage with prescription drug (Rx) coverage. The Out-of-Pocket Max for Individuals is $9,100 and $18,200 for Families. The plan offers a copay of $50.
Anthem Blue Cross GOLD PPO E: This Plan comes with a Calendar year Deductible of $500, and $1,500 combines medical (Med) coverage with prescription drug (Rx) coverage. The Out-of-Pocket Max for Individuals is $7,700 and $15,400 for Families. The plan offers a copay of $30.
2024 Anthem Blue Cross EPO Group Health Plan
Anthem Blue Cross EPO (Exclusive Provider Organization) plan is a type of health insurance that combines elements of an HMO plan and a PPO plan. It may not be as well-known as other options. With an EPO plan, you are required to get healthcare services from a doctor, specialist, or hospital that is part of the EPO network, just like an HMO. However, like a PPO plan, you can see a specialist without a referral if they are in the EPO network.
EPO plans usually have lower premiums than PPO plans but may be higher than HMO plans. You don’t have to pay a copay when you visit a healthcare provider within the EPO network.
2024 Anthem Blue Cross Plans
Gold and Platinum Plans: If you require frequent medical care, the Anthem Blue Cross Platinum and Gold Plans offer various options and are highly recommended. These plans come with high monthly premiums but low copays and no deductibles.
Silver Plans: For individuals who require medical attention occasionally and seek a balanced approach between monthly plan premiums and the cost of care, the Anthem Blue Cross Silver Plans emerge as an excellent choice. Not only do these plans offer moderate premiums, but they also feature reasonable deductibles and copayments.
Bronze Plans: If you rarely visit the doctor but want protection in an emergency, the Anthem Blue Cross Bronze Plans could be a great option for you. Typically, these plans offer lower monthly premiums, but it’s important to note that you may incur higher out-of-pocket costs when you receive care.
Key Terms to Know
COPAY- A copay is a fixed amount for a specific medical service. For example, The PLATINUM HMO A Plan will have a copay of $10 for a doctor’s visit. This means you’ll pay $10 every time you see a doctor, regardless of the total cost of the visit.
DEDUCTIBLE – Your Deductible is the amount you must pay out of pocket before your insurance starts covering your medical costs.
PREMIUM – Your monthly premium is the amount you pay for your health insurance coverage. This is a set fee you pay regardless of whether or not you use your insurance.
Do I need a licensed Broker to get a health plan for my employee?
Working with a broker can be highly beneficial for self-employed business owners. At Skyline Benefit, we can guide you in finding the most suitable plan for your business and employees. We can also help you understand different options, including traditional health insurance, high-deductible, and self-funded plans. Additionally, we offer valuable advice and guidance on plan management, such as controlling costs and complying with healthcare regulations at no cost.
Need Help with Group Health Insurance
Skyline Benefit is an independent health insurance broker in Fullerton, CA that offers affordable and flexible group health insurance options. Selecting the best group health insurance plans can be overwhelming; our mission is to simplify the process and help our clients every step of the way.
Schedule a consultation today. Call us at: (714) 888-5112