FlexScapeSM Decision Guide

FlexScape for Small Groups from Anthem Blue Cross offers you and your employees tremendous choice in selecting affordable health care coverage to best fit your needs.  This Decision Guide will help you and your agent select the financing method best for your company and identify the most appropriate health plans to offer your employees.

Step One: Contribution Options

Your company and its employees may share the monthly cost of health insurance premiums.  With FlexScape for Small Groups, Anthem Blue Cross now offers employers three financing options:

  • Defined Contribution 100: Your company pays $100 per month for each enrolling employee.
  • Defined Contribution Select: Your company pays any fixed monthly amount over $100 that you choose for each enrolling employee.
  • Traditional Contribution: Your company pays 50% or more of the total monthly employee cost.

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:

  1. On a scale from 1 to 3 with 1 being Not Important and 3 being Very Important, how important is it to you to pay a fixed amount per employee, regardless of total cost?

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:

  1. How many employees in your company will be enrolling for health coverage?
  2. Approximately how much is your business currently paying toward health care coverage each month?
  3. Approximately how much is your business willing and able to pay toward health care coverage each month?
  4. Divide your target premium amount (the lesser of number 3 or 4) by the number of employees you indicated in number 2.

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.

Step Two: Plan Options

Under EmployeeElect PlusSM, you can empower your employees to choose from among all of our health plans, from a few of them, or simple offer them a single plan.  To help you determine how many health plans to offer, please answer the following questions:

1. Do most of your employees have similar health care coverage needs?
2. What level of choice do you feel is important to offer your employees?
3. How much impact do the health benefits you provide have when hiring new employees or keeping current employees?

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.

Your Anthem Blue Cross Authorized Agent can assist you in understanding your choices and making your final decision.