Our 2020 plan enhancements feature more convenient and affordable ways for our Trio HMO and Tandem PPO members to access care.
Visit blueshieldca.com/aco for full information on Trio plan benefits, programs, and coverage areas.
In addition to the expansion of our Tandem portfolio, we’re also offering three new plan designs for 2020. You can compare benefits of your current plan selection to these new plan options by using our Plan Comparison Tool.
Platinum PPO 0/0
We’ve added a new Platinum PPO with no deductible, $0 primary care physician visits, and $0 pharmacy drugs (tier 1) – making it the richest coverage of our plan options.
Silver PPO Savings 2500/35%
We’ve also added to our HSA-eligible plan options with a new Silver PPO Savings plan.
Both of these new off-exchange PPO plans are offered on the Full PPO and Tandem PPO networks.
Gold HMO 1000/35
Our HMO portfolio now includes a Gold 1000/35 option – filling a gap between our existing gold plans that have $500 and $1500 deductibles. This plan is available on each of our HMO networks.
Encourage your clients to take advantage of 10% savings with our specialty Bundled Savings discount program for groups adding dental or vision coverage to their medical plans.
We’ve added 6 new dental plans to our 2020 portfolio:
These plans include:
Beginning with 1/1/20 groups, we will no longer waive the 12-month waiting period on voluntary dental plans. For groups with prior dental coverage with Blue Shield, the waiting period will be waived at the group level.
New vision plans will not be introduced in 2020.
Vision plans with a $10 eye exam copay (that replaced the vision plans with a $15 copay in 2019) are available for all new and renewing groups in 2020.
In order to provide greater flexibility and more options, we’ve added 16 new employee Life Insurance plans. The new plans feature:
Three new Life Insurance plans for dependents that provide:
Rates will not increase with any of these increased life insurance plan benefits.
* Underwritten by Blue Shield of California Life & Health Insurance Company.
† Please refer to the plan contract and the Evidence of Coverage for a detailed description of covered benefits, limitations, and exclusions.
Specialty underwriting for new groups will align with medical on the requirement that a group employs an eligible common law employee to be eligible for group plans. All new sales effective 1/1/20 require a common law employee, eliminating owner-only businesses. Documentation requirements for specialty business will be the same as for medical and based on the number of enrolling subscribers.
Rx Spectrum Tiered pharmacy network is now available on On-Exchange (CCSB) and Mirrored plans, joining Tandem PPO and Trio HMO plans.
Check out the full directory of Level A pharmacy locations.
Introducing our new identity theft protection services and credit monitoring provider, Experian®, for Blue Shield members* in the upcoming benefit year.
Blue Shield provides eligible members* with identity repair and credit monitoring at no additional cost as an extra layer of security for their identity. They will not be asked to pay or provide payment information for these services as long as they are an eligible Blue Shield member.
Beginning December 2019, members enrolled with AllClear ID may have received a notice that their Allclear ID has been discontinued and that they can continue to receive identity theft protection services by enrolling with Experian.
Once enrolled, members have access to the following features through Experian:
Members can go to experianidworks.com/blueshieldca, and then enter their activation code that they received in an email if they are re-enrolling from AllClear to Experian.
Or, if members have questions or want to enroll for the first time, they can call Experian’s customer service at (866) 274-3891 Monday through Friday 8am-10pm or Saturday-Sunday 10am-7pm Central Time. They will need to provide engagement number DB14224 as proof of eligibility for the benefit services by Experian.
Experian is a registered trademark.
* Federal regulations prohibit Blue Shield of California from making this offer available to members enrolled in the Federal Employee Program (FEP), Medicare Part D, and Medicare Advantage plans.
** Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group, Inc. (AIG). Please visit experianidworks.com/blueshieldca for more information.
Blue Shield small business plan rates are available now through your preferred quoting engine. Complete rate tables for all plans and regions are now available.
We continue to enhance and promote our digital tools for brokers that are designed to make your jobs easier while also reducing paper waste. You can learn about these resources by visiting blueshieldca.com/digital.
We've moved renewal kits online
This change not only reduces paper waste but also provides a better customer experience, making materials easier to search, share, and save. Each of our small business groups will now have a unique microsite which contains all the materials previously printed and mailed.
There are three ways to access these sites:
We want to ensure that each group does receive this important renewal information. If a group's microsite is not accessed within a week, we will send a reminder email. If there is no action within 10 days, we will mail a full paper renewal kit to the group.
Our Direct Elite Rewards program continues to benefit direct-selling small business brokers in 2020, with elevated bonuses for new Blue Shield of California small business medical member sales. The rewards program is available to all small group brokers who sell direct, with effective dates from February 2020 through January 2021.
We’ve increased the savings for groups when they add a dental and/or vision plan to their existing medical plan:
Matching for small business life insurance plans has been enhanced. We can now match a current group's combined Basic Life/AD&D renewal rates at $0.08 per $1,000, for amounts between $15,000 and $200,000.
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Health insurance products are offered by Blue Shield of California Life & Health Insurance Company. Health plans are offered by Blue Shield of California.