BeneFits Key Features

The BeneFits package throws out the old rules in order to give small businesses more room to control monthly costs - making health coverage cheaper than ever before. Key feature include:

  • Lower Rates and Guarantees
  • Save on Company Taxes
  • Control Costs with Flexible Employer Contributions
  • Guarantee Issue Coverage
  • Fewer Employees Need to Participate
Lower Rates and Guarantees

We've carfully designed the BeneFits plans to have the lowest possible rates. And when you sign up, your rates are guaranteed for 12 full months.
Save on Company Taxes
Employers' costs to offer health coverage may be 100 percent tax-deductible as ordinary business expenses on California and federal income taxes. For all your tax questions, be sure to talk with your tax advisor.
Control Costs with Flexible Employer Contributions

For the BeneFits program, our normal employer contributions have been cut in half. For each employee each month, you can contribute as little as:

  • 25% or more (in 5% increments)

    • or
  • $50 or more ( in $5 increments)
Guarantee Issue Coverage

State law requires insurance carries to issue coverage to qualifying small businesses with 2-50 employees. Laws also protect you from being charged more than 10% above a carrier's standard small group rate, regardless of employee health history.

Fewer Employees Need to Participate
For the BeneFits program, required participation is only 60% of eligible employees. Anthem Blue Cross also gives participation waivers for employees who don't want to participate for allowable reasons.