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RAF Programs
Small Groups (2 to 50)

Two RAF programs to help your clients save
Now your clients have two ways to save with the Blue Shield medical and specialty RAF programs. Check out the Program Highlights to see how your clients can qualify.

Both programs are now extended for effective dates through June 15, 2012!
Medical RAF Program
Now extended for effective dates through June15, 2012
RAF program + NEW Simply Shield plans = More sales for you!
The RAF program is an effective way to get your new clients the best rate possible for their Blue Shield group coverage. This program has been extended and is now available for qualifying new small groups with Blue Shield who are enrolling January through June 2012.
 
For complete program rules, download our Medical RAF program flyer (PDF, 206KB) 
Program Highlights
Clients with 6+ enrolling employees qualify for a .90 RAF guarantee
  • Renewal RAF of 1.05 or better qualifies.
  • No health statements and no employer questionnaires needed.
Clients with 10+ enrolling employees, with no prior coverage also can qualify for a .90 RAF guarantee
  • No health statements and no employer questionnaires needed.
Clients with fewer than 6 enrolling employees are automatically issued a 1.1 RAF
  • Health statements no longer required!
  • Groups may apply for a lower RAF via standard underwriting and the submission of health statements.
Specialty Benefits RAF Program
Now extended for effective dates through June 15, 2012

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.
Program Highlights
  • For new groups with 3 to 50 enrolling employees, effective August 1, 2011
  • 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 on or off anniversary are ineligible. Groups with a .90 RAF are ineligible
  • RAF discount applies to the medical rate/premium and will remain in effect for the first benefit year
For complete program rules, download our Specialty Benefits RAF program flyer (PDF, 582KB)
1. RAF cannot be lower than .90. Groups with a .90 RAF are not eligible.
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RAF program flyers
Medical RAF program (PDF, 206KB)
Specialty Benefits RAF program (PDF, 582KB)
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