Large Group Ancillary Carrier Spotlight: Anthem Blue Cross


If you’re searching for an Ancillary carrier for a 100+ employee California-based client, your search is as simple as A-B-C – as in Anthem Blue Cross.

Anthem offers a full range of Voluntary and Non-Voluntary Ancillary products:
  • Dental (DHMO, DPPO)
  • Vision
  • Long-Term Disability (LTD)
  • Short-Term Disability (STD)
  • Basic Life
  • Voluntary Life
  • Accidental Death & Dismemberment (AD&D)
  • FMLA (Family and Medical Leave Act) Management
  • Accident
  • Hospital Indemnity
  • Critical Illness
Anthem Blue Cross can help you address the needs of employees at virtually any employer.

Here’s a snapshot of Anthem’s underwriting rules and available bundling discounts:
  • Dental Participation: Anthem Blue Cross considers anything less than 60% participation to be Voluntary; greater than 70% is considered employer-sponsored coverage.
  • Minimum enrolled varies by product:
    • Dental: 5 employees
    • Vision: 10 employees
    • Voluntary Life and Disability: 20% participation
    • Accident/Hospital/Critical Illness: 15% participation across all three lines
  • Bundling Discounts: Anthem offers multiple bunding discounts off Medical – up to a 4% max:
    • .5% for adding Vision (50% net eligible participation required)
    • 1.5% for adding Dental (50% net eligible participation required)
    • .25% for adding employer-sponsored Basic Life (minimum of $25K)
    • .5% for adding employer-sponsored Short-Term Disability (STD)
    • .5% for adding employer-sponsored Long-Term Disability (LTD)
    • .25% for adding Accident Insurance (15% participation required)
    • .25% for adding Critical Illness (15% participation required)
    • .25% for adding Hospital Insurance (15% participation required)
Sales Tip: Packaging Medical and Specialty offers your clients significant savings along with administrative simplicity (one ID Card, a single bill, one file feed, and a dedicated account management team). It also offers clinical integration -- resulting in more comprehensive care and better health outcomes for members.

Available Collateral: Anthem has a wide range of available employer and prospect member collateral. You can download the forms by clicking on each link below: We Make Writing Large Group Easier
Whether you’re a broker with years of Group Health experience, or you’re writing your first case, you can count on your Word & Brown Large Group team to make your job easier. We offer everything you need, start to finish.
  • Differentiators: We offer value-added extras for you and your clients, including access to in-house compliance specialists and a team of marketing, enrollment, and sales experts to assist you.
  • Simplified online RFP process: Our easy-to-use tool streamlines the RFP process – helping you compile census data and other information for requested products and carriers.
  • Downloadable documents: Link here to download valuable RFP and quoting documents, including Large Group Frequently Asked Questions (a useful guide with answers to FAQs on what’s needed to start a quote, timelines for Medical and Ancillary quoting, guidance on scheduling a presentation, and more).
  • Doctor and Rx searches: To ensure your clients have access to the doctors, medical groups, hospitals, and prescription drugs they want in the plans they’re considering, be sure to complete our Provider & Rx Search Request form available here. It can help make you a hero to your clients and their enrolling employees.
Contact your Word & Brown rep today!

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