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Small Business Medical Plans You Can Be Confident In
We understand that the insurance needs of your small business are unique. Our small business portfolio includes a variety of medical plans. We offer a range of benefits and choice of networks for groups based on your needs. Alternate funding arrangements are also available to scale the right plan to your workforce.
Making Sense Of Plan Types
You may hear a lot about PPO, EPO, HMO, POS, and HDHP plans — but you may not understand the differences between them. Here are the key differences between these popular health plans:
Making Sense Of Plan Types
You may hear a lot about PPO, EPO, HMO, POS, and HDHP plans — but you may not understand the differences between them. Here are the key differences between these popular health plans:
Preferred Provider Organization (PPO)
PPO networks let the member choose where to go for care, without a referral from a primary care physician (PCP) or having to only use providers in your plan's provider network. These plans typically have higher monthly premiums and out-of-pocket costs like copays, coinsurance and deductibles.
Exclusive Provider Organization (EPO)
An EPO offers a local network of doctors and hospitals to choose from. If you’re looking for lower monthly premiums and are willing to pay a higher deductible when you need health care, you may want to consider an EPO plan.
Health Maintenance Organization (HMO)
An HMO is designed to keep costs low and predictable by only using doctors and hospitals within the HMO network. It typically has low premiums, deductibles, and fixed copays for doctor visits. PCPs are the primary point of contact for all medical care, including specialty referrals.
Point of Service Plan (POS)
A POS plan requires that you get a referral from your PCP before seeing a specialist. This plan covers out-of-network doctors at a higher out-of-pocket cost than in-network doctors.
High Deductible Health Plans (HDHP)
A High Deductible Health Plan (HDHP) has low premiums but higher immediate out-of-pocket costs. Employers often pair HDHPs with a Health Savings Account (HSA). This is a tax-free fund used to offset costs such as deductibles.
Anthem Link
Our newest health plan, Anthem Link(Link)1 keeps employees engaged and healthy with a streamlined digital experience. Link is an innovative, first of its kind health plan that brings together the latest technology, integrated digital solutions, and access to top doctors, hospitals, and specialists.
Your Access To Care
Anthem’s diverse network and partnerships allow us to offer you high-quality providers across medical, pharmacy, dental, vision, and behavioral health benefits. We are committed to providing whole-person care management and wellness for your employees. Our nationwide network includes 95% of doctors and 96% hospitals in the US.2 You can have the confidence of care knowing that Anthem has you covered.
Integrated Pharmacy Benefits
All small business medical insurance plans have integrated pharmacy benefits. Our custom-built pharmacy benefit manager,CarelonRx integrates medical history and medications to give doctors personalized insights and guidance. With an overview of health, your employees will be empowered to make better decisions about their overall health journey. Integrated benefits mean healthier employees, a simplified healthcare experience, and lower medical costs.
Flexible Funding Options
Manage Your Costs. We offer funding options that help small businesses realize the savings of larger groups with lower, more predictable rates. Anthem Balanced Funding (ABF) is a health plan that gives employers a fixed monthly payment. It rewards you when employees are healthier than expected. A Multiple Employer Welfare Arrangement (MEWA) joins smaller employers together. Jointly, they share overall claims risk and offer employees health coverage with less worry.
Check with your local Anthem rep for specifics. Not all options are available in all markets.
Bundling Discounts
When you purchase more than one plan from Anthem, we offer savings on your rates. It pays to purchase more than one small group plan — dental, vision, life, disability and/or medical too. You may receive up to a 5% discount on your rates when you bundle additional coverage from Anthem.
Personalized Support
We want to give you a simpler and smarter healthcare experience. With our digital-first approach, we enhance your team’s complete health journey. A personalized view of benefits makes your administrative experience more convenient.
Sydney Health
Artificial intelligence (AI)-driven innovation used in our mobile app delivers a smarter, simpler, and more personal healthcare experience. Members can access their benefits information, claims, and health reminders. They can also connect to customer service from anywhere. The use of our Sydney HealthSM app increased 115% while phone calls went down 30%.3
Anthem Health Guides
Our concierge service connects your employees with experts who can help with healthcare decisions, offer exam reminders, and find healthcare resources. Our guides can notify members to missed care, such as a mammogram. Our guides will even help members schedule an appointment. Members who use the service have 3.4 times greater engagement rates in clinical programs. 4
EmployerAccess
We offer a tailored view of your company’s benefit offerings through EmployerAccess. It allows you to quickly manage employee benefits. It includes a convenient dashboard to promptly navigate to your tasks, news, and support tools such as live chat, frequently asked questions, reporting, and more.
Group Medicare
As your employees make the transition to retirement, Group Medicare will give them the confidence of continued coverage. Your retirees will find rich benefits through prescription plans, PPOs and HMOs, plus integrated Medicare Advantage solutions that combine Medicare Parts A & B, prescription drug, health and wellness, vision, and dental into one comprehensive plan.
The Power Of Whole-Person Care
Your plans have integrated Wellbeing Solutions programs. They look at all aspects of your employees’ well-being, with a focus on three areas: prevention, care guidance for better outcomes, and cost savings.
Anthem’s Whole Health Connection® offers an integrated approach to whole-person care. By combining medical, pharmacy, dental, vision, life, disability, and behavioral benefits, doctors can access your employees’ complete medical history to make more informed decisions.
Explore Our Small Business Plans
Pharmacy Benefit Plans
Dental Insurance
Vision Insurance
Behavioral Health
Employee Assistance Program
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1 Plan availability may vary by state. Not available in California.
2 Blue Cross Blue Shield Association: The Blue Cross Blue Shield System (accessed February 2020): bcbs.com/about-us/the-blue-cross-blue-shield-system.
3 Sydney Health, 2020 year-end results
4 CII discover data, as of September 2019.
1 Plan availability may vary by state. Not available in California.
2 Blue Cross Blue Shield Association: The Blue Cross Blue Shield System (accessed February 2020): bcbs.com/about-us/the-blue-cross-blue-shield-system.
3 Sydney Health, 2020 year-end results
4 CII discover data, as of September 2019.
