This JavaScript enables OnlineOpinion, a method for collecting secure feedback data.
Small Groups
  Products
Medical
Off-Exchange Package
Mirror Package
2013 Plans
Specialty
Dental
Vision
Life
  Benefit Summaries
  Compare Plans
  Forms and Applications
  Help Current
Clients
  Changes to Documents
  Wellness Resources
RAF Programs
Small Groups (2 to 50)

Blue Shield's RAF program keeps on getting better!

Boost your sales for the rest of the year with our enhanced Medical RAF guarantees!
Our RAF program is one of the hottest in the market. Check out the newly-improved program highlights and see for yourself.

Medical RAF Program
Small Groups with as few as 5 enrolling employees and prior coverage are eligible for a guaranteed .90 RAF!

Specialty Benefits RAF Program
Small Group clients can now get a 2.5% RAF discount1 off their medical rate when they purchase dental and vision coverage
Medical RAF Program

For effective dates April 1 through December 15, 2013.
 Program Highlights 
  • NEW! Prior coverage
    • Guaranteed .90 RAF for groups of five or more enrolling employees
    • No health statements and no employer questionnaire
    • Prior RAF of 1.05 or less no longer required! 
  • Renewal of less than 20% for previously large groups
    • Guaranteed .90 RAF for groups of 10 or more
    • No health statements and no employer questionnaire
  • No prior coverage
    • Guaranteed .90 RAF for groups of 10 or more
    • No health statements and no employer questionnaire
  • Groups with fewer than five enrolling employees
    • Automatic 1.1 RAF with no health statements
    • Eligible for lower RAF with health statements
For complete program rules, download (PDF, 231KB) our Medical RAF program flier.
Specialty Benefits RAF Program

Help your clients get comprehensive coverage for less
Now you can offer your new small group clients a 2.5% RAF discount1 off their medical rate when they purchase dental and vision coverage with Blue Shield at the same time as their medical coverage, whether new or renewing.
Program Highlights
  • For new and renewing medical groups with 3 to 50 enrolling employees
  • RAF discount applies to the medical rate/premium and will remain in effect for the first benefit year
  • Eligible groups must purchase all three products – medical, dental and vision coverage – at the same time. Additions of dental and vision coverage to existing medical groups off anniversary date are ineligible
  • Renewing groups must have not had any Blue Shield dental or vision products within the last 12 months
  • Non-guaranteed-issue groups are ineligible
  • Existing Blue Shield groups with a final renewal RAF between .925 and 1.075 are eligible
For complete program rules, download (PDF, 16KB) our Specialty Benefits RAF program flier.
1. Program rules for plan effective dates July 1, 2012 and after. Specialty Benefits RAF program may be modified or discontinued at any time.
RAF program fliers
Updated Medical RAF program flier (PDF, 230KB)
Specialty Benefits RAF program flier (PDF, 216KB)
simply shield sells
TRUSTe Privacy Certification