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.
Additionally, over 4% of children (below 18 years) were 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.
https://www.cdc.gov/nchs/fastats/health-insurance.htm
Blue Cross Blue Shield of Georgia
The Blue Cross and Blue Shield organizations were originally formed as separate entities, with Blue Cross established in 1929 and Blue Shield in 1939. The Association, as a joint operation, was formed much later. 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 plan 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 needing a referral from their primary care physician. This plan also lets members seek medical care at healthcare facilities outside the BCBS network. These plans usually have a higher monthly premium and out-of-pocket expenses, such as deductibles, copays, and coinsurance.
EPO (Exclusive Provider Organization)
EPO plans do not always have significantly lower premiums than other plan types. Premiums vary based on the specific policy, coverage level, and insurer. 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
This type of small business medical insurance plan has a lower premium rate, fixed copays, and lower deductibles for doctor visits. 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. 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.
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:
Flexible Portfolio
Small business owners can choose from a wide range of dental insurance products at Anthem Georgia. It offers different deductible choices, annual maximums, out-of-network reimbursements, 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
The numbers here seem inflated and specific to a national scale rather than just for Georgia. Actual network sizes vary by state and plan. Using BCBS dental health insurance plans for small businesses, entrepreneurs can offer employees affordable yet extensive dental care coverage and enhance employee satisfaction.
Small Business Vision Care
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 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 include exams only, materials only, or a full-service vision care plan for employees with BCBS Anthem.
Conclusion
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/.
See Also
Sonography Programs in Georgia
Blue Cross Blue Shield of North Carolina
Blue Cross Blue Shield of California
Blue Cross Blue Shield of Minnesota
How to Get Help with Dental Implants
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