Large Group Ancillary Carrier Spotlight: Blue Shield of California


In its continuing effort to enhance the member experience – and help brokers attract and write more business – Blue Shield of California has updated its Ancillary product portfolio and participation for 2023.
Blue Shield of California offers Dental PPO, Dental HMO, Vision, Life, and Supplemental Life on both a voluntary and employer-sponsored (contributory) basis.
Here’s a snapshot of Blue Shield of California’s underwriting rules and available bundling discounts:
  • Dental Participation: 25% for Voluntary; 65% generally for Contributory/Employer-sponsored (if under, company will consider an exception)
  • Vision Participation: 25% for Voluntary; 65% generally for Contributory/Employer-sponsored (if under, company will consider an exception)
  • Life Participation: 20% for Voluntary; 100% for Contributory/Employer-sponsored (if employer is paying 100% of the premium)
  • Minimum Enrollment:
    • Dental: 25 employees for Voluntary; 40 for Employer-sponsored (like Medical)
    • Vision: 25 employees for Voluntary; 40 for Employer-sponsored (like Medical)
    • Save by bundling! Groups can save 2% when adding Dental, .05% when adding Vision, and .05% by adding Life. Add all three and save up to 3% on Blue Shield Medical. Download the Blue Shield Benefit Solutions flyer for details.
Sales Tips: Blue Shield offers added benefits for group members, whatever coverage they’re looking for:
  • Dental: Blue Shield’s calendar year Ortho benefit refreshes annually. This gives members more dollars and pricing in line with the Lifetime benefit.
  • Vision: Blue Shield has the largest Vision network – and 98% of members go in-network. There are also national and regional retail participants that include Costco, LensCrafters, Target Optical, America’s Best, Walmart, and others.
  • Life: Quick match is coming for Basic Life and Voluntary Life; Blue Shield can match a group’s current coverage and offer a discount when Life is added to Medical.
Available Collateral: Download the latest collateral using the links below. You can find other Blue Shield of California materials in our online Insurance Forms Library.
We Make Writing Large Group Easier
Whether you’re a broker with extensive 101+ employee experience, or you’re writing your first case, you can count on Word & Brown’s Large Group team to make things easier for you.
We offer everything you need, start to finish:
  • Differentiators: Our value-added extras include 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: Download valuable RFP and quoting documents, including Large Group Frequently Asked Questions (with details 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: Ensure your clients have access to the doctors, medical groups, hospitals, and prescription drugs they want in the plans they’re considering. Complete our Provider & Rx Search Request form available here. It can help make you a hero to your clients and enrolling employees.
Contact your Word & Brown rep today to learn more – or begin a quote

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