Overview
Blue Shield of California 2-50

For over 65 years, Blue Shield of California has provided high quality, select health care coverage to the people of California – and continues to possess the strength, stability, and innovation to maintain its market leadership position.

Blue Shield of California offers an extensive array of products to create and sustain a healthy workplace for small (2-50 employee) groups and large (51-299 employee) groups.

Simply Shield is designed to deliver clear, simple healthcare coverage options for small business. Blue Shield designed the plans to be simple and straightforward with a logical price and benefit progression, making it easy to distinguish among the options.

Medical plan families include:

• Premier Plans – Choice of PPO & HMO Plans
• Enhanced Plans – Choice of PPO & HMO Plans
• Base Plans- PPO Plans
• Value Plans - PPO Plans
• Simple Savings Plans – HSA compatible HDHP’s PPO  Plans

The new plans in the Simply Shield portfolio are available through two new medical plan packages: SimpleSelect and SimpleSync.

• SimpleSelect. Clients have the option to select a mix of two to 28 plans, so they can choose the right level of coverage that makes the most sense for their employees and their budget.

• SimpleSync is designed specifically for small businesses that want the flexibility of offering Blue Shield plans alongside another carrier’s HMO. Clients have the option to offer one or any combination of plans and up to all 9.

Optional plan riders include Chiropractic; combined Chiropractic/Acupuncture; Infertility Services; Inpatient Substance Abuse Treatment.

Dental
Available on a standalone basis or with Blue Shield of California medical coverage, competitively priced, these comprehensive plans satisfy both employer and employee needs.

• Dental HMO Options.
  Blue Shield dental HMO plans give employees access to cost-effective dental care through the network dental provider of their choice. Blue Shield’s dental HMO Smile plans – Dental HMO Smile Basic, Dental HMO Smile Plus, and Dental HMO Smile Deluxe – offer basic, middle and rich-level benefits, respectively.

• 10 Dental PPO Options.
  The PPO Smile plans offer a wide range of affordable dental PPO plans providing employees the option to choose any dental provider they want, or save money by using a network provider.
  
  
• In-Network Only (INO) Dental Plans
  A Smile In-Network Only (INO) dental plan offers employees and their families a smart cost-cutting approach to save on dental coverage. Members can access covered services from any provider in the INO network. There is no coverage for services received outside of this network.

Access to extensive networks. The dental PPO/INO network includes more than 21,000 providers in California and 144,000 nationwide, and the dental HMO network includes more than 9,000 providers in California.

Vision

The vision plan portfolio provides an affordable range of options to satisfy employee needs for eyewear and vision exams. Blue Shield of California has one of the largest vision provider networks. Members have access to nearly 18,000 ophthalmologists, optometrists, and opticians nationwide, including 5,900 in California. The network includes various retail providers and retail chain stores such as Costco, Wal-Mart, LensCrafters and Target Optical.

Group Term Life and AD&D Insurance

Life Insurance offers an affordable way for clients to provide employees with added financial security. Accidental death and dismemberment (AD&D) benefits provide financial support in the event bodily injury or loss of life due to an accident. With a variety of coverage amounts, life and AD&D insurance plans are easy to sell.

More information is available by calling Claremont Insurance Services at 800.696.4543 or via email at info@claremontcompanies.com.