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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:

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:

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:

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.