For California health insurance shoppers on the lookout for the best and most affordable California health insurance plan that is uniquely right for them, having too many great plan options is never a bad thing! When shopping for group health insurance California plans for your business, you’ll have plenty of great plans to choose from when you check out the PlanSelect portfolio from Blue Shield of California.
In our first article on the plan portfolios from Blue Shield, we provided an overview of PlanSelect and Suite Deal plan portfolios from Blue Shield of California. Today, we’re going to take a more in-depth look at the many plans that constitute the PlanSelect Portfolio. Now the interesting thing here is that – while it can seem pretty daunting at first – the collection of plans follows a predictable pattern wherein the level of Blue Shield responsibility and the employee’s level of responsibility for the payment of various health care services – including prescription drugs -changes over the course of these plans so that more responsibility begins to rest more with the employee. As you can imagine, that progression has a direct correlation to the cost of the premiums for these plans. In short: Higher deductibles, more employee out-of-pocket equals lower plan premiums.
The collection of PlanSelect strategies consists of traditional PPO plans; traditional HMO plans; the cost saving innovation of Blue Shield’s Active Choice plans which are an innovative way to deliver employee health benefits at premiums that are affordable to the employee and business alike; a Point of Service (POS) plan called the Added Advantage POS Plan wherein the most affordable health coverage comes with the use of the employee’s HMO while also having access to Blue Shield’s extensive PPO network; and finally: The innovative Blue Shield HSA-compatible health plans. These are PPO plans with a twist! These health insurance plans feature a higher annual deductible but also provide savings opportunities that come with typically lower monthly premiums along with a Health Savings Account component that can provide important tax savings for the owner!
You may note that we’ve been talking in terms of health plan ‘strategies’. To our way of thinking, creating a strategy is about putting a well conceived plan in place to successfully serve the health coverage needs of your employees plus serving the overall cost efficiency your business is always on the lookout for whenever and however it relates to running a successful, competitive business. We help you get there with our always free quotes for group health insurance California plan strategies, plus we provide our always free client services and client consultations. We bring experience, expertise, and innovation to the process of creating winning health coverage strategies for your business and our fees are paid by the carriers, not your business.
A successful strategy also becomes easier to achieve when you have the Vitality California health insurance team by your side to help you configure a plan lineup that serves the broadest range of employee needs at premiums that are affordable for your business and your employees.