SMALL GROUP FROM BLUE CROSS BLUE SHIELD OF ILLINOIS
Small Business Insurance Services Inc. is a brokerage firm that has no allegiance to any insurance company. Our agents are also multi state licensed. We will shop all major carriers for you so you always get the best plan at the lowest price. There are many ways for consumers to purchase health insurance. The best way is to use an experienced broker, most especially since it costs nothing extra to do so.
Call us directly at (630) 674 1551. If you are outside of Illinois call us toll free at (866) 724-7123 for a free no obligation telephone consultation from one of our licensed brokers. Or, complete the form below to submit your group’s census so we can prepare quotes for your business. If you have a copy of your company census, please also upload that in the section provided.
Group health insurance carriers represented by HealthInsuranceMentors.com
Blue Cross Blue Shield of Illinois was named as one of America’s best insurance companies by Forbes magazine in 2022.
BCBSIL Small Group Health Insurance PPO and HMO outpatient prescription drug Formulary lists:
Click here to search the outpatient prescription drug Formulary list for PPO and HMO ACA-qualified (Obamacare) plans. Once at that page, scroll down and click on “Prescription Drug Lists for Employer-offered Metallic Plans: Small Group (1-50)“
2024 BCBSIL Blue Choice Preferred PPO Small Group Health Insurance plan offerings:
B5N1BCE Blue Choice Preferred Bronze PPO 401 for 2024
B536BCE Blue Choice Preferred Bronze PPO 132 for 2024 – (HSA-qualified)
B535BCE Blue Choice Preferred Bronze PPO 106 for 2024 – (HSA-qualified)
S535BCE Blue Choice Preferred Silver PPO 105 for 2024
S534BCE Blue Choice Preferred Silver PPO 133 for 2024 – (HSA-qualified)
S532BCE Blue Choice Preferred Silver PPO 120 for 2024
S531BCE Blue Choice Preferred Silver PPO 104 for 2024
S5J1BCE Blue Choice Preferred Silver PPO 202 for 2024 – (HSA-qualified)
G535BCE Blue Choice Preferred Gold PPO 115 for 2024 – (HSA-qualified)
G533BCE Blue Choice Preferred Gold PPO 113 for 2024 – (HSA-qualified)
G532BCE Blue Choice Preferred Gold PPO 107 for 2024
G531BCE Blue Choice Preferred Gold PPO 102 for 2024
G530BCE Blue Choice Preferred Gold PPO 101 for 2024
P5E2BCE Blue Choice Preferred Platinum PPO 119 for 2024
P5E1BCE Blue Choice Preferred Platinum PPO 136 for 2024
2024 BCBSIL Blue Options PPO Small Group Health Insurance plan offerings:
S506OPT Blue Options Silver PPO 104 for 2024
S507OPT Blue Options Silver PPO 107 for 2024 – (HSA-qualified)
G506OPT Blue Options Gold PPO 101 for 2024
G507OPT Blue Options Gold PPO 102 for 2024
G508OPT Blue Options Gold PPO 106 for 2024
G5K10OPT Blue Options Gold PPO 200 for 2024 – (HSA-qualified)
2024 BCBSIL Blue PPO Small Group Health Insurance plan offerings:
B5N1PPO Blue PPO Bronze 401 for 2024
B536PPO Blue PPO Bronze 132 for 2024 – (HSA-qualified)
B535PPO Blue PPO Bronze 106 for 2024 – (HSA-qualified)
S535PPO Blue PPO Silver 105 for 2024
S534PPO Blue PPO Silver 133 for 2024 – (HSA-qualified)
S532PPO Blue PPO Silver 120 for 2024
S531PPO Blue PPO Silver 104 for 2024
S5J1PPO Blue PPO Silver 200 for 2024 – (HSA-qualified)
G537PPO Blue PPO Gold 123 for 2024
G536PPO Blue PPO Gold 116 for 2024
G535PPO Blue PPO Gold 115 for 2024 – (HSA-qualified)
G534PPO Blue PPO Gold 114 for 2024
G533PPO Blue PPO Gold 113 for 2024 – (HSA-qualified)
G532PPO Blue PPO Gold 107 for 2024
G531PPO Blue PPO Gold 102 for 2024
G530PPO Blue PPO Gold 101 for 2024
P503PPO Blue PPO Platinum 119 for 2024
P5E1PPO Blue PPO Platinum 136 for 2024
2024 BCBSIL Blue Precision HMO Small Group Plan Brochures:
S531PSN Blue Precision Silver HMO 106 for 2024
S530PSN Blue Precision Silver HMO 102 for 2024
G532PSN Blue Precision Gold HMO 101 for 2024
G5J2PSN Blue Precision Gold HMO 201 for 2024
P506PSN Blue Precision Platinum HMO 107 for 2024
P5J1PSN Blue Precision Platinum HMO 200 for 2024
P5E1PSN Blue Precision Platinum HMO 110 for 2024
Fully Insured Small Group Summary of Dental Benefits
Contributory
- BlueCare Dental PPO – DILHR30
- BlueCare Dental PPO – DILHR31
- BlueCare Dental PPO – DILHR32
- BlueCare Dental PPO – DILHR33
- BlueCare Dental PPO – DILHR34
- BlueCare Dental PPO – DILHR35
- BlueCare Dental PPO – DILLR36
- BlueCare Dental PPO – DILLR37
- BlueCare Dental PPO – DILHM38
- BlueCare Dental PPO – DILHM40
- BlueCare Dental PPO – DILLM41
- BlueCare Dental PPO – DILHM42
- BlueCare Dental PPO – DILHR50
- BlueCare Dental PPO – DILLM51
- BlueCare Dental PPO – DILHM57
- BlueCare Dental PPO – DILLR58
Voluntary
- BlueCare Dental PPO – DILHR43
- BlueCare Dental PPO – DILHM44
- BlueCare Dental PPO – DILHR45
- BlueCare Dental PPO – DILHM46
- BlueCare Dental PPO – DILLM49
- BlueCare Dental PPO – DILHR52
- BlueCare Dental PPO – DILHR53
- BlueCare Dental PPO – DILLR54
- BlueCare Dental PPO – DILLM55
- BlueCare Dental PPO – DILLM56
- BlueCare Dental PPO – DILHM59
- BlueCare Dental PPO – DILLR60
Embedded Pediatric Dental Benefit for Medical Plans
2023 BCBSIL Blue Choice Preferred PPO Small Group Health Insurance plan offerings:
B536BCE Blue Choice Preferred Bronze PPO 132 for 2023 – (HSA-qualified)
B535BCE Blue Choice Preferred Bronze PPO 106 for 2023 – (HSA-qualified)
S535BCE Blue Choice Preferred Silver PPO 105 for 2023
S534BCE Blue Choice Preferred Silver PPO 133 for 2023 – (HSA-qualified)
S532BCE Blue Choice Preferred Silver PPO 120 for 2023
S531BCE Blue Choice Preferred Silver PPO 104 for 2023
S5J1BCE Blue Choice Preferred Silver PPO 202 for 2023 – (HSA-qualified)
G535BCE Blue Choice Preferred Gold PPO 115 for 2023 – (HSA-qualified)
G533BCE Blue Choice Preferred Gold PPO 113 for 2023 – (HSA-qualified)
G532BCE Blue Choice Preferred Gold PPO 107 for 2023
G531BCE Blue Choice Preferred Gold PPO 102 for 2023
G530BCE Blue Choice Preferred Gold PPO 101 for 2023
P5E2BCE Blue Choice Preferred Platinum PPO 119 for 2023
P5E1BCE Blue Choice Preferred Platinum PPO 136 for 2023
2023 BCBSIL Blue Options PPO Small Group Health Insurance plan offerings:
S506OPT Blue Options Silver PPO 104 for 2023
S507OPT Blue Options Silver PPO 107 for 2023 – (HSA-qualified)
G506OPT Blue Options Gold PPO 101 for 2023
G507OPT Blue Options Gold PPO 102 for 2023
G508OPT Blue Options Gold PPO 106 for 2023
G5K10OPT Blue Options Gold PPO 200 for 2023 – (HSA-qualified)
2023 BCBSIL Blue PPO Small Group Health Insurance plan offerings:
B536PPO Blue PPO Bronze 132 for 2023 – (HSA-qualified)
B535PPO Blue PPO Bronze 106 for 2023 – (HSA-qualified)
S535PPO Blue PPO Silver 105 for 2023
S534PPO Blue PPO Silver 133 for 2023 – (HSA-qualified)
S532PPO Blue PPO Silver 120 for 2023
S531PPO Blue PPO Silver 104 for 2023
S5J1PPO Blue PPO Silver 200 for 2023 – (HSA-qualified)
G537PPO Blue PPO Gold 123 for 2023
G536PPO Blue PPO Gold 116 for 2023
G535PPO Blue PPO Gold 115 for 2023 – (HSA-qualified)
G534PPO Blue PPO Gold 114 for 2023
G533PPO Blue PPO Gold 113 for 2023 – (HSA-qualified)
G532PPO Blue PPO Gold 107 for 2023
G531PPO Blue PPO Gold 102 for 2023
G530PPO Blue PPO Gold 101 for 2023
P503PPO Blue PPO Platinum 119 for 2023
P5E1PPO Blue PPO Platinum 136 for 2023
2023 BCBSIL Blue Precision HMO Small Group Plan Brochures:
S531PSN Blue Precision Silver HMO 106 for 2023
S530PSN Blue Precision Silver HMO 102 for 2023
G532PSN Blue Precision Gold HMO 101 for 2023
G5J2PSN Blue Precision Gold HMO 201 for 2023
P506PSN Blue Precision Platinum HMO 107 for 2023
P5J1PSN Blue Precision Platinum HMO 200 for 2023
P5E1PSN Blue Precision Platinum HMO 110 for 2023
2022 BCBSIL Blue Choice Preferred PPO Small Group Health Insurance plan offerings:
B536BCE Blue Choice Preferred Bronze PPO 132 for 2022 – (HSA-qualified)
B535BCE Blue Choice Preferred Bronze PPO 106 for 2022 – (HSA-qualified)
S535BCE Blue Choice Preferred Silver PPO 105 for 2022
S534BCE Blue Choice Preferred Silver PPO 133 for 2022 – (HSA-qualified)
S532BCE Blue Choice Preferred Silver PPO 120 for 2022
S531BCE Blue Choice Preferred Silver PPO 104 for 2022
S5J1BCE Blue Choice Preferred Silver PPO 202 for 2022 – (HSA-qualified)
G535BCE Blue Choice Preferred Gold PPO 115 for 2022 – (HSA-qualified)
G533BCE Blue Choice Preferred Gold PPO 113 for 2022 – (HSA-qualified)
G532BCE Blue Choice Preferred Gold PPO 107 for 2022
G531BCE Blue Choice Preferred Gold PPO 102 for 2022
G530BCE Blue Choice Preferred Gold PPO 101 for 2022
P5E2BCE Blue Choice Preferred Platinum PPO 119 for 2022
P5E1BCE Blue Choice Preferred Platinum PPO 136 for 2022
2022 BCBSIL Blue Options PPO Small Group Health Insurance plan offerings:
S506OPT Blue Options Silver PPO 104 for 2022
S507OPT Blue Options Silver PPO 107 for 2022 – (HSA-qualified)
G506OPT Blue Options Gold PPO 101 for 2022
G507OPT Blue Options Gold PPO 102 for 2022
G508OPT Blue Options Gold PPO 106 for 2022
G5K10OPT Blue Options Gold PPO 200 for 2022
2022 BCBSIL Blue PPO Small Group Health Insurance plan offerings:
B536PPO Blue PPO Bronze 132 for 2022 – (HSA-qualified)
B535PPO Blue PPO Bronze 106 for 2022 – (HSA-qualified)
S535PPO Blue PPO Silver 105 for 2022
S534PPO Blue PPO Silver 133 for 2022 – (HSA-qualified)
S532PPO Blue PPO Silver 120 for 2022
S531PPO Blue PPO Silver 104 for 2022
S5J1PPO Blue PPO Silver 200 for 2022 – (HSA-qualified)
G537PPO Blue PPO Gold 123 for 2022
G536PPO Blue PPO Gold 116 for 2022
G535PPO Blue PPO Gold 115 for 2022 – (HSA-qualified)
G534PPO Blue PPO Gold 114 for 2022
G533PPO Blue PPO Gold 113 for 2022 – (HSA-qualified)
G532PPO Blue PPO Gold 107 for 2022
G531PPO Blue PPO Gold 102 for 2022
G530PPO Blue PPO Gold 101 for 2022
P503PPO Blue PPO Platinum 119 for 2022
P5E1PPO Blue PPO Platinum 136 for 2022
2022 BCBSIL Blue Precision HMO Small Group Plan Brochures:
S531PSN Blue Precision Silver HMO 106 for 2022
S530PSN Blue Precision Silver HMO 102 for 2022
G532PSN Blue Precision Gold HMO 101 for 2022
G5J2PSN Blue Precision Gold HMO 201 for 2022
P506PSN Blue Precision Platinum HMO 107 for 2022
P5J1PSN Blue Precision Platinum HMO 200 for 2022
P5E1PSN Blue Precision Platinum HMO 110 for 2022
2022 BCBSTX Small Group Plans summary of benefits.
Blue Cross Blue Shield of Texas 2022 Small Group Plans.
BlueCare Dental PPO (Small Group) Plans
To help you make an informed decision about your dental coverage, a Small Group (1 to 50 employees) Summary of Dental Benefits document is available for each of our fully insured plans. The summary describes key features such as:
- Program basics
- Covered services
- Orthodontic services
Pediatric dental coverage is included in all small group qualified health plans as an essential health benefit embedded into the medical plan.
Embedded Pediatric Dental Benefit for Medical Plans
Fully Insured Small Group Summary of Dental Benefits
Contributory
- BlueCare Dental PPO – DILHR31
- BlueCare Dental PPO – DILHR32
- BlueCare Dental PPO – DILHR33
- BlueCare Dental PPO – DILHR34
- BlueCare Dental PPO – DILHR36
- BlueCare Dental PPO – DILLR37
- BlueCare Dental PPO – DILHM38
- BlueCare Dental PPO – DILHM40
- BlueCare Dental PPO – DILLM41
- BlueCare Dental PPO – DILHM42
- BlueCare Dental PPO – DILHR50
- BlueCare Dental PPO – DILLM51
- BlueCare Dental PPO – DILHM57
- BlueCare Dental PPO – DILLR58
Voluntary
Principal Broker, C. Steven Tucker joined Dan Proft and Amy Jacobson on Chicago’s Morning Answer to discuss the impact of the “Inflation Reduction Act” on Medicare Part D and enhanced ACA health insurance subsidies now extended until 2026 – 08/17/2022. Replay below:
2021 BCBSIL Small Group Health Insurance PPO and HMO outpatient prescription drug Formulary lists:
Click here to search the outpatient prescription drug Formulary list for PPO ACA-qualified (Obamacare) plans. Once at that page, scroll down and click on
“Prescription Drug Lists for Employer-offered Metallic Plans: Small Group (1-50)“
2021 BCBSIL Blue Choice Preferred PPO Small Group Health Insurance plan offerings:
B536BCE Blue Choice Preferred Bronze PPO 132 for 2021 – (HSA-qualified)
B535BCE Blue Choice Preferred Bronze PPO 106 for 2021 – (HSA-qualified)
S535BCE Blue Choice Preferred Silver PPO 105 for 2021
S534BCE Blue Choice Preferred Silver PPO 133 for 2021 – (HSA-qualified)
S532BCE Blue Choice Preferred Silver PPO 120 for 2021
S531BCE Blue Choice Preferred Silver PPO 104 for 2021
S501BCE Blue Choice Preferred Silver PPO 135 for 2021
S5J1BCE Blue Choice Preferred Silver PPO 202 for 2021 – (HSA-qualified)
G535BCE Blue Choice Preferred Gold PPO 115 for 2021 – (HSA-qualified)
G533BCE Blue Choice Preferred Gold PPO 113 for 2021 – (HSA-qualified)
G532BCE Blue Choice Preferred Gold PPO 107 for 2021
G531BCE Blue Choice Preferred Gold PPO 102 for 2021
G530BCE Blue Choice Preferred Gold PPO 101 for 2021
P532BCE Blue Choice Preferred Platinum 119 for 2021
P5E1BCE Blue Choice Preferred Platinum 136 for 2021
2021 BCBSIL Blue Options PPO Small Group Health Insurance plan offerings:
S506OPT Blue Options Silver PPO 104 for 2021
S507OPT Blue Options Silver PPO 107 for 2021 – (HSA-qualified)
G506OPT Blue Options Gold PPO 101 for 2021
G507OPT Blue Options Gold PPO 102 for 2021
G508OPT Blue Options Gold PPO 106 for 2021
2021 BCBSIL Blue PPO Small Group Health Insurance plan offerings:
B536PPO Blue PPO Bronze 132 for 2021 – (HSA-qualified)
B535PPO Blue PPO Bronze 106 for 2021 – (HSA-qualified)
S535PPO Blue PPO Silver 105 for 2021
S534PPO Blue PPO Silver 133 for 2021 – (HSA-qualified)
S532PPO Blue PPO Silver 120 for 2021
S531PPO Blue PPO Silver 104 for 2021
S501PPO Blue PPO Silver 135 for 2021
S5J1PPO Blue PPO Silver 200 for 2021 – (HSA-qualified)
G537PPO Blue PPO Gold 123 for 2021
G536PPO Blue PPO Gold 116 for 2021
G535PPO Blue PPO Gold 115 for 2021 – (HSA-qualified)
G534PPO Blue PPO Gold 114 for 2021
G533PPO Blue PPO Gold 113 for 2021 – (HSA-qualified)
G532PPO Blue PPO Gold 107 for 2021
G531PPO Blue PPO Gold 102 for 2021
G530PPO Blue PPO Gold 101 for 2021
P503PPO Blue PPO Platinum 119 for 2021
2021 BCBSIL Blue Precision HMO Small Group Plan Brochures:
S531PSN Blue Precision Silver HMO 106 for 2021
S530PSN Blue Precision Silver HMO 102 for 2021
G532PSN Blue Precision Gold HMO 101 for 2021
G5J2PSN Blue Precision Gold HMO 201 for 2021
P506PSN Blue Precision Platinum HMO 107 for 2021
P5J1PSN Blue Precision Platinum HMO 200 for 2021
P5E1PSN Blue Precision Platinum HMO 110 for 2021
Group health insurance for ONE PERSON ensures access to Chicago Teaching hospitals for small businesses owners.
In November of 2015, Chicagoland residents were shocked to learn that Northwestern Memorial hospital, University of Chicago medical center, Rush University medical center and the Lurie Children’s hospital would no longer accept patients who have ACA-qualified (Obamacare) individual health insurance plans. This action led to a significant increase in the purchase of small group health insurance policies which still provide national PPO networks and still ensure access to the aforementioned teaching hospitals in Chicago.
For small corporations who could afford to insure themselves and 70% of their eligible full time employees (the usual minimum participation requirement), purchasing small group health insurance was a costly fix to the new narrow networks in the individual health insurance marketplace. The ability to purchase group health insurance for you and your full-time employees is well known. What is not well known is the fact that you can purchase a small group health insurance policy without insuring any of your employees during a small window each year. That window begins on November 1st and ends on December 15th. The same time period the annual ACA Open Enrollment for individual plans begins and ends.
During this little known ‘relaxed underwriting’ period, an owner of a small corporation (less than 50 full-time employees) can purchase small group health insurance while employees ‘waive’ coverage without producing an eligible waiver. Normally, 70% of all full-time employees must participate in a group health insurance plan unless they have an eligible waiver such as an offer of group health insurance from a spouse’s employer or Medicare and Medicaid coverage. If you do decide to offer coverage to your full-time W2 employees during this Special Enrollment period, you do not have to insure any of your employees and instead can only insure yourself and or your family without insuring employees. Normal 70% minimum participation requirements are waived.
If you are a small business owner who is seeking to purchase small group health insurance and cannot afford to insure your employees or, your employees simply do not want to participate in a group health insurance plan. Now is the time to learn more about “relaxed underwriting period”. The cost for group health insurance is now commensurate with individual health insurance but the PPO network is much larger and far more inclusive than any of the narrow networks now available in the individual marketplace. Want to learn more? Call us for a free consultation at (630) 582-1043 or click on “contact” at the top of this page.
Group health insurance quote request form
2021 Mid Market Small Group Health Plan Offerings:
Other small group carriers brokered by HealthInsuranceMentors.com
United Healthcare Small Group plans for Chicagoland 2021
- Chicago Multi-Choice Package IL021
- Chicago Multi-Choice Package IL022
- Chicago Multi-Choice Package IL023
- Chicago Multi-Choice Package IL024
- NW IN Multi-Choice Package NW014
- NW IN Multi-Choice Package NW015
- NW IN Multi-Choice Package NW016
- NW IN Multi-Choice Package NW017
51+ lives – Small Group Product Portfolio Illinois & Northwest Indiana
2020 BCBSIL Blue Precision HMO Small Group Health Insurance Plan Brochures:
P506PSN Blue Precision Platinum HMO 107
P5E1PSN Blue Precision Platinum HMO 110
G532PSN Blue Precision Gold HMO 101
G533PSN Blue Precision Gold HMO 109
S531PSN Blue Precision Silver HMO 106
S530PSN Blue Precision Silver HMO 102
2020 BCBSIL Blue Choice Preferred PPO Small Group Health Insurance plan offerings:
P5E1BCE Blue Choice Preferred Platinum PPO 136
P5E2BCE Blue Choice Preferred Platinum PPO 119
G530BCE Blue Choice Preferred Gold PPO 101
G532BCE Blue Choice Preferred Gold PPO 107
S531BCE Blue Choice Preferred Silver PPO 104
S532BCE Blue Choice Preferred Silver PPO 120
S535BCE Blue Choice Preferred Silver PPO 105
HSA-qualified BCBSIL Blue Choice Preferred PPO Small Group offerings:
G533BCE Blue Choice Preferred Gold PPO 113
G535BCE Blue Choice Preferred Gold PPO 115
S534BCE Blue Choice Preferred Silver PPO 133
B536BCE Blue Choice Preferred Bronze PPO 132
B535BCE Blue Choice Preferred Bronze PPO 106
2020 BCBSIL Blue Options PPO Small Group Health Insurance plan offerings:
G506OPT Blue Options Gold PPO 101
G508OPT Blue Options Gold PPO 106
G507OPT Blue Options Gold PPO 102
S506OPT Blue Options Silver PPO 104
S507OPT Blue Options Silver PPO 107 HSA-qualified plan
2020 BCBSIL Blue PPO Small Group Health Insurance plan offerings:
HSA-qualified BCBSIL Blue PPO Small Group offerings:
2019 BCBSIL Small Group Health Insurance Plan Brochures:
P500 PPO Blue PPO Platinum 019
B535BCE Blue Choice Preferred Bronze PPO 106
S531BCE Blue Choice Preferred Silver PPO 104
S530PSN Blue Precision Silver HMO 102
G506OPT Blue Options Gold PPO 101
G508OPT Blue Options Gold PPO 106
G507OPT Blue Options Gold PPO 102
S506OPT Blue Options Silver PPO 104
S507OPT Blue Options Silver PPO 107
BCBSIL B520 PPO Blue PPO Bronze 006
BCBSIL S508 PPO Blue PPO Silver 030
BCBSIL S500 PPO Blue PPO Silver 031
BCBSIL B501PPO Blue PPO Bronze 032
P502PSN Blue Precision Platinum HMO 007
Blue Precision HMO 2016 group certificate
2018 BCBSIL Small Group Health Insurance Plan Brochures:
S534BCE Blue Choice Preferred Silver PPO 133
S532BCH Blue Care Direct Silver 106 with Advocate
2017 BCBSIL Small Group Health Insurance Plan Brochures:
2016 BCBSIL Small Group Health Insurance Plan Brochures:
P500 PPO Blue PPO Platinum 019
BCBSIL B520 PPO Blue PPO Bronze 006
BCBSIL S508 PPO Blue PPO Silver 030
BCBSIL S500 PPO Blue PPO Silver 031
BCBSIL B501PPO Blue PPO Bronze 032
P502PSN Blue Precision Platinum HMO 007
Blue Precision HMO 2016 group certificate
2015 BCBSIL Small Group Health Insurance Plan Brochures:
BCBSIL 2015 Small Group P500PPO Platinum 019
BCBSIL 2015 Small Group G515PPO Blue PPO Gold 014
BCBSIL 2015 Small Group G511PPO Blue PPO Gold 010
BCBSIL 2015 Small Group G510PPO Blue PPO Gold 002
BCBSIL 2015 Small Group G517PPO Blue PPO Gold 016
BCBSIL 2015 Small Group G518PPO Blue PPO Gold 023
BCBSIL 2015 Small Group G509PPO Blue PPO Gold 001
BCBSIL G511CHC Blue Choice Gold PPO 007
BCBSIL 2015 Small Group S506PPO Blue PPO Silver 020
BCBSIL 2015 Small Group S503PPO Blue PPO Silver 004
BCBSIL S508 PSN Blue Precision Silver HMO 002
BCBSIL S503CHC Small Group plan 2015
BCBSIL 2015 Small Group S502PPO Blue PPO Silver 003
BCBSIL 2015 Small Group B519PPO Blue PPO Bronze 005
BCBSIL 2015 Small Group P501PPO Blue PPO Platinum 022
BCBSIL 2015 Small Group G519PPO Blue PPO Gold 024
BCBSIL 2015 Small Group G512PPO Blue PPO Gold 011
BCBSIL 2015 Small Group G520PPO Blue PPO Gold 025
BCBSIL 2015 Small Group G513PPO Blue PPO Gold 012
BCBSIL 2015 Small Group B520PPO Blue PPO Bronze 006
BCBSIL 2015 Small Group G521PPO Blue PPO Gold 026
BCBSIL RHHHB10C Blue Advantage HMO Small Group 2015
BCBSIL P501PSN Blue Precision Platinum 004 Small Group
BCBSIL RPPC3424 Blue Advantage Entrepreneur PPO Small Group 2015
BCBSIL Blue Advantage Entrepreneur Small Group PPO Certificate Of Coverage
BCBSIL Small Group PPO Blue Care Dental Freedom policy
BCBSIL Ancillary Small Group Dental Insurance Plan Brochures:
Small and large employer obligations under the Patient Protection & Affordable Care Act (Obamacare)
- Beginning in 2015
- Beginning in 2016
- Employer Shared Responsibility payment triggers and assessments
- Nov 15th - Dec 15th annual Group open enrollment period
- Special enrollment periods for Group health plans
- Small Group Frequently Asked Questions
Employers with 100 or more FTE – Full Time Equivalent – employees are required to offer “affordable health insurance” (employee’s share of the annual premium for self-only coverage is no greater than 9.5% of annual household income) to all of their Full Time employees and their dependent children (first 30 Full Time employees are excluded) or pay a non tax deductible “Employer Shared Responsibility” payment to the IRS.
This does not include spouses in the definition of “dependents.” Therefore, employers do not have to extend health insurance to an employee’s spouse. In addition, the PPACA “Obamacare” does not require that coverage offered to dependent children be “affordable” or subsidized at the same level as employee coverage.
To comply with reform, the coverage that employers offer their employees must be considered “affordable.” The IRS says coverage is “affordable” for an employee (under an employer-sponsored plan) if the employee’s premium cost for employee-only coverage does not exceed 9.5% of the employee’s household income.”
Click here to determine how many ‘Full Time Equivalent’ employees you have.
This does not include spouses in the definition of “dependents.” Therefore, employers do not have to extend health insurance to an employee’s spouse. In addition, the PPACA “Obamacare” does not require that coverage offered to dependent children be “affordable” or subsidized at the same level as employee coverage.
To comply with reform, the coverage that employers offer their employees must be considered “affordable.” The IRS says coverage is “affordable” for an employee (under an employer-sponsored plan) if the employee’s premium cost for employee-only coverage does not exceed 9.5% of the employee’s household income.”
Click here to determine how many ‘Full Time Equivalent’ employees you have.
The “Employer Shared Responsibility” payment is triggered and assessed in one of two ways:
1.) $2,000 per employee penalty to employers that do not offer affordable, qualified health insurance to their Full Time Equivalent employees and their dependent children. This does not include spouses in the definition of “dependents.” Therefore, employers do not have to extend health insurance to an employee’s spouse. In addition, the PPACA “Obamacare” does not require that coverage offered to dependent children be “affordable” or subsidized at the same level as employee coverage.
To comply with reform, the coverage that employers offer their employees must be considered “affordable.” The IRS says coverage is “affordable” for an employee (under an employer-sponsored plan) if the employee’s premium cost for employee-only coverage does not exceed 9.5% of the employee’s household income.”
2.) $3,000 per employee penalty to employers that do offer health insurance but that health insurance is deemed either not ‘affordable’ or not a ‘qualified health plan’ and one or more Full Time employee buys health insurance on the exchange and receives an APTC – Advance Premium Tax Credit – (subsidy). In this scenario the employer would be assessed a $3,000 penalty for each employee who received a subsidy.
All penalties are collected by the Internal Revenue Service and enforced by the Department of the U.S. Treasury.