Blue Cross and Blue Shield of Georgia Helps Businesses Navigate Health Care Changes with New Online Tools

/PRNewswire/ -- In an effort to help minimize confusion regarding implementation of health care reform provisions among business owners, Blue Cross and Blue Shield of Georgia (BCBSGa) has created two new tools to help business navigate the changes in health care, a grandfathering tool and a tax calculator tool.

Both tools are available at www.anthem.com/healthcarereform. The small business tax calculator tool and tax content were developed by The Tax Institute at H&R Block and also may be viewed by visiting www.thetaxinstitute.com.

The interactive grandfathering tool is designed to help businesses better understand what grandfathering means, if they qualify for it, and what options are available to them with regard to their health plan. BCBSGa has also joined forces with H&R Block to provide a convenient, comprehensive tool to help small business owners understand the financial impact, as well as the opportunities that accompany the changes in the health care system.

"The grandfathering tool is another part of our commitment to help make health care reform work," said Morgan Kendrick, President, BCBSGa. "This tool will allow business owners to understand what grandfathering means to them, what the qualification parameters are, and if it is potentially in their best interests to grandfather their current health plan. This tool can help businesses quickly and easily determine a course of action based on their current plan in an easy-to-use and easy-to-understand tool."

Kendrick added, "We are also extremely pleased to be partnering with H&R Block to make the small business tax calculator available, which can help small business owners understand the tax credits they are qualified for and allow them to better control and anticipate their health care costs. It's BCBSGa's hope that this resource will enable owners to focus on running a successful business and add some clarity as they navigate the health care system."

The small business tax calculator can help users understand the following reform provisions:

* The small business health care premium credit for qualified employers with 25 or fewer employees and average annual wages under $50,000 (2010)
* Requirements to provide employee coverage for full-time employees who work for businesses with 50 or more employees (2014)
* Employer penalties for not providing coverage when at least one full-time employee is enrolled in a subsidized health care plan (2014)
* The excise tax on high-cost health plans, which applies to plans that cost more than $10,200 for an individual and $27,500 for a family (2018).


"These tools will provide us with an easy way to navigate and communicate the financial impact that health care reform may have on our small business customers," said Jeff Fishback, President and CEO, Purchasing Alliance Solutions. "They will also help us to better communicate about grandfathering and if it might be in their best interest. For example, whether they should take advantage of the available credits and other provisions designed to improve the affordability of health care. I anticipate that interactive tools such as these will help small businesses save time and money. This is just one more example of why BCBSGa is the leader in the industry."

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Blue Cross and Blue Shield of Georgia Introduces Blue View Vision(SM)

PRNewswire/ -- Blue Cross and Blue Shield of Georgia (BCBSGa) is now offering an affordable and flexible vision plan, Blue View Vision, which provides access to more than 600 network providers in Georgia and to more than 44,000 providers and provider locations nationwide.

The Blue View Vision network includes ophthalmologists, optometrists, and opticians. In addition to private practitioners, Blue View Vision's broad national network includes retailers like LensCrafters(R), Target(R) Optical, JC Penney(R) Optical, Sears Optical and Pearle Vision locations.

"When employees get the vision care they need, productivity increases. And when vision care is covered by the Blue View Vision(SM) plan, employees can get quality care quickly and conveniently," said Monye Connolly, president, BCBSGa.

Blue View Vision members are entitled to a number of important benefits and discounts on products and services, including comprehensive eye examinations and coverage for lenses and frames or contact lenses. Members also enjoy additional savings of up to 40 percent on the purchase of extra pairs of eyewear, conventional contact lenses, lens treatments, specialized lenses and other non-covered items, even after they've exhausted their covered benefits - kids ages 19 and under get full coverage of Transitions(R) and polycarbonate lenses.

With many provider locations open evenings and weekends, members have greater flexibility and convenience when scheduling appointments. And since so many people buy glasses on evenings and weekends, Blue View Vision customer service is available seven days a week to answer customer questions.

As the work force ages, Blue View Vision coverage can help maintain employee productivity. The National Eye Institute estimates that more than 38 million Americans age 40 and older experience blindness, low vision or an age-related eye disease, such as age-related macular degeneration, diabetic retinopathy, glaucoma or cataracts.

"An eye exam is one of the best forms of preventive medicine today. An integrated health benefits plan that includes medical and vision coverage provides consumers with important preventative services with a focus on overall well-being and good health," added Connolly. "BCBSGa offers employers a single source for a comprehensive, competitive total insurance package that can help them to recruit, engage and retain employees."

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Blue Cross and Blue Shield of Georgia Introduces New Individual Products

PRNewswire/ -- Today, Blue Cross and Blue Shield of Georgia (BCBSGa) introduced two suites of PPO products called SmartSense and Premier that will provide Georgians with more affordable options for individual insurance.

The SmartSense plan is designed for consumers who are price conscious and want solid protection to cover the essentials. "Georgians who are seeking a health plan that offers affordability and provides coverage for routine services that can help them improve or maintain their health, now have another option, with premiums for SmartSense ranging from as little as $36.82 to $175.64 per month for a healthy 25-year-old male," said Monye Connolly, president of BCBSGa. The SmartSense plans provide coverage for up to three physician office visits a year before a member has to meet a deductible, some preventive benefits and a choice of prescription drug coverage options.

The Premier plan is designed for customers who want the security of a comprehensive benefit design with lower out of pocket costs. This plan is also a good choice for families with children, or those planning to have children. The Premier plan provides unlimited coverage for office visits before having to meet a deductible, provides preventive benefits, comprehensive prescription coverage and offers the ability to add maternity coverage.

SmartSense and Premier provide protection against expensive and unexpected medical bills. "These plans were designed for those consumers who recognize the importance of health coverage, but need flexibility when it comes to cost," said Connolly. "The plans offer a variety of deductibles that will help consumers find a premium they can afford."

"I would like to thank Blue Cross and Blue Shield of Georgia for providing these new and innovative products," said Georgia Insurance and Safety Fire Commissioner John W. Oxendine. "I applaud them for giving Georgians additional options when shopping for their health care needs."

SmartSense and Premier, which BCBSGa will begin offering on July 19, are targeted towards Georgians who work for companies that do not offer health care coverage, as well as early retirees and others who want a cost effective option.

Connolly says the availability of SmartSense and Premier will be appealing options for many Georgians who want more control over their health care choices and reflects the company's on-going commitment to reduce the percentage of Americans who are uninsured.

"Our goal is to offer a menu of plans that provide consumers with benefits that address a variety of life stages," said Connolly. "As we move forward, we will continue to focus on providing affordable plans that maintain the high quality and value-added benefits consumers have come to expect."

Members choosing SmartSense and Premier have access to more than 15,000 Georgia PPO network doctors and specialists and nearly 170 hospitals. These plans also provide coverage outside the state of Georgia through the Blue Card program.

In addition to SmartSense and Premier, BCBSGa also offers Tonik -- an individual product targeted toward Georgia's "young invincibles" -- individuals between the ages of 18 and 29. Since introducing the products in 2006, more than 8,000 Georgians are covered by Tonik.

For more information about SmartSense and Premier or other BCBSGa products, contact your authorized Blue Cross and Blue Shield of Georgia agent or call 1-800-896-2583, or visit us at www.BCBSGA.com .