Anthem Small Employer Group Health Plans
Anthem Small Employer Group Health Plans
Anthem small employer group health plans from your local autorized agent in Richmond Virginia. Steven Hughes is an independent authorized agent for Anthem Blue Cross Blue Shield and can help you find the right small business health insurance plan for your needs. Anthem offers a variety of plans to meet the needs of businesses with 2 to 50 employees. You're never charged any extra fees or premiums to purchase your Anthem group health plan using me as your agent.
Anthem Employer Groups Health Plans for 1-50 Employees in Virginia
Shop Anthem Small Group Health Insurance Plans in Virginia
Explore the available Anthem group medical plans offered in Virginia, including flexible PPO, POS, and Consumer-Driven Health Plans (CDHP) – all with one of the largest physicians and hospital-based networks in Virginia. Anthem has funding options and group health expense accounts, which offer even more ways to create health coverage on your terms.
Anthem HealthKeepers plans are offered by HealthKeepers, Inc. All other medical plans are offered by Anthem Blue Cross and Blue Shield.
Anthem Small Group Health Plans Product Designs in Virginia
Preferred Provider Organization (PPO)
PPO plans have large provider networks and give employees more choices than an HMO plan, but monthly premiums and deductibles are usually higher. No primary care physician (PCP) is needed. No referrals for other in-network doctors are required, but choosing doctors, hospitals and other covered medical services that are not in-network might cost employees more out-of-pocket.
Select PPO plans give employees access to the same high-quality providers as a PPO, but usually the network is smaller. The monthly premiums and deductible options offer greater value than the standard PPO. No PCP is needed and no referrals for other in-network doctors are required.
Health Maintenance Organization (HMO)
HMO plans offer network provider choices similar to a PPO, but members must select an in-network primary care physician (PCP) to coordinate their care. Referrals are needed to see other doctors. The monthly premiums and out-of-pocket medical costs are generally lower than other plans.
Select HMO plans work like a standard HMO, but usually the network is smaller. The monthly premiums and out-of-pocket costs are generally lower than most other plans, offering greater value than the standard HMO. Members must select a primary care physician (PCP) to coordinate their care. Referrals are needed to see other doctors.
Point of Service Plan
POS plans are a type of managed care that requires members to choose an in-network physician for a PCP, but like a PPO, patients may go outside the network for health care services. Unless their PCP has made the out-of-network referral, members will have to cover most of the cost. POS plans offer savings on premiums, while offering more choice than an HMO.
Consumer-Driven Health Plans (CDHP)
Typically, CDHPs have lower premiums but higher deductibles (the amount members pay out-of-pocket for health services before the health plan pays). CDHPs are typically paired with a Health Savings Account (HSA). An HSA is a tax-exempt bank account, set up to help save for – and cover – qualified health care expenses and prescriptions (see below for more information on available health accounts). A CDHP combined with an HSA or other type of health account may also be called a high deductible health plan (HDHP).
Anthem group plans can help you control costs while providing reliable coverage.
Protect your employees against unexpected medical expenses with group health plans that make sense for your business.
Anthem offers a wide range of plans for different needs and budgets, and many of their plans are HSA- compatible.
Choice of Plan Designs
Choose from our wide range of traditional and innovative health plans, designed for different needs and budgets.
Strengthen your benefits package with Anthem’s dental, vision, life, disability, EAP, prescription drug coverage, and wellness programs.
Large Network of Physicians
Gain peace of mind by working with the strength and stability of an industry leader, whose large networks include leading physicians, specialists and hospitals. And for those who travel across the country, you’ll have access to nationwide doctors and hospitals through the BlueCard® program.*
Put your trust in Anthem, with more than 80 years of experience providing health care coverage to businesses like yours.