Ancillary Products
The BCBSM Specialty Product Portfolio offers employer groups a full suite of benefits that are proven to attract and retain quality employees
Employer Group Product Offerings
Life/AD&D
Dearborn Group
- Higher volume life insurance amounts can be purchased with guarantee issue
- Accelerated benefits & life waiver of premium benefits built-in
- Proven respectful and rapid payment of employee and retiree claims
Assurity
- Accelerated Benefit for nursing facility care or terminal illness benefits built-in
- Riders that Offer Plan Design Flexibility
- Premium rates and convertible to whole life
- 10 or 20 year guarantee issue premium plans
Eye Care
Vision
- Multiple vision plan options
- The Blue Vision network provides access to the largest network of private practice eye care doctors in the industry
- Ease of administration by integrating medical and vision plans
- Member engagement and improved health through online resources and direct outreach to members at risk for diabetes
Dental Care
Dental
- Flexible plan designs include passive, active and exclusive PPOs, voluntary options, as well as orthodontic and required pediatric coverage in small group offerings
- Dentists can participate with us through our Blue DentalSM Tier 1 – Contracted PPO Network or our Tier 2 - per claim participation arrangement
- Our expansive contracted PPO network lets members choose from more than
Long-Term Disability
- Integrated STD to LTD claim management
- Disability Resource Services (EAP Program) & Partial Disability Benefit built-in
- ‘Own Occupation’ to ‘Any Occupation’ transition
- ‘Diagnosed as Totally Disabled’ and/OR ‘Show a Loss of Income’ Option
- Extensive rider options to allow for rich and flexible plan designs
Short-Term Disability
Dearborn Group
- Telephone claim intake for ALL group sizes
- Work Incentive, Worksite Modification & Survivor benefits built-in
- Lump Sum payment option for maternity and other specified disabilities
Assurity
- Flexible plan designs offering monthly benefit options in $100 increments
- Portable coverage with 3-month, 6-month, 1-year and 2-year plans
- Utilizes total disability “own occupation” definition
- Off-the-job and 24-hour coverage available
- Competitive industry classifications
Hospital Indemnity
LifeSecure
- Worksite coverage allows Guaranteed Issue: $200 Daily Benefit Amount & Simplified Issue: $210 - $900 Daily Benefit Amount; eligible ages 18-85, guaranteed renewable for life
- Worksite Coverage up to 35 days per year of inpatient hospitalization, includes up to 4 days of treatment in an observation unit
- Worksite coverage has available rider options for more design flexibility
Critical Illness
Dearborn Group
- Guarantee option for groups with 2+ eligible employees
- 24-month rate guarantee
- Portability allows member to keep policy when changing jobs
Accident
Dearborn Group
- Unique, affordable plan offerings
- Payments made directly to the employee to use for any expense, medical or otherwise
- Benefits are not tied to medical out-of-pocket costs
- Guarantee issue and employees can still contribute to an HSA plan
- Indemnity-based benefit payments (schedule of benefits)
