Blue Cross Blue Shield of Georgia – Overview
Health insurance is a must-have for everyone, even if you think you’re completely healthy. The rising cost of healthcare services due to growing demand is gradually becoming daunting. According to the CDC, in 2023, over 29.5 million Americans under 65 were uninsured, which is around 11% of the registered population.
Additionally, over 4% of children (below 18 years) were also reported to be without health insurance coverage. Reports also show that just over 63% of adults (below 65 years old) in America and nearly 54% of children have private insurance coverage. Only about 1/3rd of those interviewed had private insurance benefits.
However, this is a stark contrast when compared to public insurance coverage. According to CDC surveys, around 28% of those below 65 have public insurance coverage, while around 44% of children are covered under it.
To bridge this significant gap, state and government-subsidized insurance companies strive to expand their networks and ensure affordable and quality healthcare for everyone. The Blue Cross Blue Shield is one such initiative.
Blue Cross Blue Shield of Georgia
The Blue Cross Blue Shield (BCBS) group of companies was formed in 1921. Its members offer personalized healthcare nationwide with a personalized approach. BCBS has 115 million members in every state and U.S. Territory, including 1.7 million healthcare professionals and thousands of hospitals. BCBS is one of the most expansive health insurance providers to employers in the United States.
Let’s take a closer look at some of the major products and services offered by Anthem for the Blue Cross Blue Shield of Georgia for employers:
Small Business Medical Insurance
Anthem offers various medical insurance plans for small business owners and their employees. Each of these plans is designed to offer complete healthcare benefits within the BCBS Georgia network.
Buying BCBS small business medical insurance helps entrepreneurs and mom-and-dad shops to confidently provide essential health insurance coverage to their team.
Some of the major benefits of BCBS Georgia’s small medical insurance plans include the following:
PPO (Preferred Provider Organization)
PPO networks allow customers to choose where they seek medical care without the need for a referral from their primary care physician. This plan also lets members seek medical care at healthcare facilities that are not within the BCBS network. These types of plans usually have a higher monthly premium and out-of-pocket expenses, such as deductibles, copays, and coinsurance.
EPO (Exclusive Provider Organization)
An EPO health insurance plan from Anthem allows customers access to a local network of healthcare professionals. This plan has a significantly lower monthly premium but comes with a higher deductible. According to experts, EPO healthcare plans for small businesses are advisable when you want extensive healthcare benefits on a medium budget.
HMO (Health Maintenance Organization
An HMO medical insurance plan from Anthem has lower costs and offers healthcare service coverage at facilities that are part of the BCBS network. This type of small business medical insurance plan has a lower premium rate, fixed copays and lower deductibles for visits to the doctor. With this plan, your primary care physician will become your point of contact for all medical care, including referrals for specialty care.
POS (Point of Service) Plan
Anthem’s POS plan for small businesses offers somewhat limited services and you can seek healthcare through your primary care physician. This type of plan usually has higher out-of-pocket expenses to cover out-of-network visits.
HDHP (High Deductible Health Plans)
Anthem’s High Deductible Health Plans (HDHP), part of its small business medical insurance portfolio, have considerably lower premiums, but higher out-of-pocket costs, especially for immediate expenses. Usually, health insurance experts advise buying HDHP plans with an HSA (Health Savings Account), which provides a tax-free fund to balance the high out-of-pocket costs, such as deductibles.
To learn more about BCBS Georgia Anthem medical insurance plans for small businesses, you can check out the official website here https://www.anthem.com/employer/small-business-health-insurance/medical-insurance.
Small Business Dental Insurance
Blue Cross Blue Shield of Georgia also offers extensive coverage for dental health for small business owners. Their dental health insurance plans offer affordable and comprehensive solutions to an extensive range of dental and oral health needs.
There are numerous benefits for employers and employees alike under the BCBS Anthem dental insurance plans, such as:
Small business owners get to choose from a wide range of products in dental insurance at Anthem Georgia. It offers different choices for deductibles, annual maximums, out-of-network reimbursement, and coinsurances. These dental care insurance plans include various benefits, such as coverage for composite fillings, dental implants, and orthodontist services, to name a few. Besides this, customers can also access Tele-Dentistry services with BCBS dental insurance coverage and receive additional coverage for preventive care services for certain medical conditions.
Extensive Dental Care Network
BCBS Georgia operates an extensive network of dental health providers, with more than 136,000 dental professionals offering services at over 556,000 locations across the state. Using BCBS dental health insurance plans for small businesses, entrepreneurs can offer employees affordable yet extensive dental care coverage and enhance employee satisfaction at the workplace.
Small Business Vision Care
The BCBS Anthem (Georgia) also offers unmatched coverage regarding vision care for small business employees. When combined with a BCBS Georgia group medical insurance plan, the vision care plan offers extensive and affordable vision care coverage.
The Anthem Vision care plans for small businesses offer various insurance plans with different cost share levels. This lets business owners choose the employee eye insurance plan of their choice. The BCBS vision care plans offer comprehensive eye care coverage to adults, children, and adolescents with discounts on protective sports eyewear.
Additionally, you can choose to include exams only, materials only or choose a full-service vision care plan for employees with BCBS Anthem.
The Blue Cross Blue Shield of Georgia offers various health insurance coverage through Anthem. Here, small and large business owners can find medical and other health insurance coverage for employees, which offers comprehensive coverage at a very reasonable cost. To learn more about BCBS Georgia Anthem plans, check out their official website at https://www.anthem.com/.
I am a dedicated healthcare researcher and an enthusiast specializing in medical grants, medical education and research. Through my articles, I aim to empower healthcare professionals and researchers with valuable insights and resources to navigate these critical aspects effectively.