Bay Marketing Associates

For business owners, providing group health insurance benefits helps retain high quality employees and ensures better production with preventive medical care for a healthy workforce. With BCBSF group insurance plans, there are many options for Florida employers to choose the amount of premiums they cover, and a wide network of medical providers.

In 2007 alone, Florida business owners added 200,000 new members enrolled in BCBSF commercial health insurance plans. According to the South Florida Business Journal, “ This 3.1 percent increase brought the total employees insured to nearly 9 million Florida people in commercial health plans, including both insurance provider-underwritten and those self-insured.” The greatest increase came from the Blue Options PPO health plan enrollees. This popular health plan has higher deductibles for employees and lower monthly premiums, thus giving affordable payment options to both employers and employees.

In additon to the top growth for commercial health plans, employees have rated BCBSF health coverage plans with the "Highest Member Satisfaction Among Commercial Health Plans in the South," according to the J.D. Power and Associates 2007 National Health Insurance Plan Satisfaction Study(SM). Florida employers can choose various payment options from paying the entire premium of the employee; to sharing a certain percentage of the annual insurance costs.

The popular BlueOptions PPO (Preferred provider organizations), meets the diverse needs of the workforce by providing different benefits and premiums options, including Health Savings Account (HSA) compatible plans. To help control health insurance costs, the health savings accounts allow the employers and employees to cut costs with payments to a pre-tax savings account that pays for routine and preventive medical treatment. The HSA plans are usually combined with higher deductibles to keep costs of monthly payments down.

Another popular group insurance plan is the BlueChoice PPO that gives your employees the choice of quality doctors and hospitals within the BlueChoice network with no required referrals. BCBSF also offers dental, disability, life, and long-term care insurance policies. In addition, there are a variety of financial programs for groups that put the employer in control of health care costs and may offer tax advantages, like Flexible Spending Accounts (FSA) and Health Reimbursement Accounts (HRA).

Another commercial health plan choice is the BlueCare HMO, offered by Health Options, Inc. This group plan gives employees a full range of benefits including preventive care and fixed copayments. Generally, HMOs (Health maintenance organizations), require employees to choose a primary care physician from the approved BCBSF provider network. Thus the monthly premiums can be lower for both the employer and the employee, while still getting comprehensive healthcare coverage for medical needs.

For those employers with many questions, consider contacting your local BCBSF licensed insurance agency to learn all about each group policy and the options available to employers for commercial health insurance plans. These plans can also include vision and dental insurance to cover the complete medical needs of the employee.

Serving central and west coast Florida, Bay Marketing, a licensed independent contractor with Blue Cross Blue Shield of Florida, has been providing insurance plan information for employers during the last twenty years. Many of their professional agents specialize in commercial health insurance for the florida business owner. Contact Bay Marketing for an online group insurance quote at Florida Health Plans Online http://floridahealthplansonline.com or visit one of the four Bay Marketing offices serving business owners in the Tampa, Sarasota, Lakeland, and Fort Myers area.

For Florida residents, there are many different individual and family health insurance plan options with Blue Cross and Blue Shield insurance. Bay Marketing, a licensed independent contractor for BCBSF, can help you choose the right health plan to suit your needs. Millions of Floridians are insured through BCBSF health insurance because of the quality health care they receive and the variety of plans available to suit their budget and medical needs.

In addition, employees have rated BCBSF with the "Highest Member Satisfaction Among Commercial Health Plans in the South," according to the J.D. Power and Associates 2007 National Health Insurance Plan Satisfaction Study(SM). Whether you are an employee, small business owner, or seeking private insurance, there is a BCBSF health insurance plan to suit your needs.

For business owners, the choices of group health plan options range from PPO (Preferred provider organizations) to HMO (Health maintenance organizations) with different co-pays that determine the monthly payments for health insurance coverage. As medical needs change, so can the co-pays to suit the business, individual or family budget.

For families, the BlueChoice PPO lets you choose your doctors and hospitals and offers maximum savings with network providers. These BCBSF insurance plans can be flexible and affordable with a range of $250-$2500 deductibles or co-pays. The option of choosing the yearly deductible according to the family budget and medical needs helps keep these plans affordable and practical.

For families or individuals requiring regular medical care, the BlueCare HMO (offered by Health Options, Inc.), gives you a full range of benefits including preventive care and fixed copayments with medical coverage for your primary care doctor and any specialists within the network of participating health care providers. This BCBS plan covers regular medical attention with affordable monthly deductibles.

For groups or individuals needing flexible health care coverage, BlueOptions health plans offer a wide range of comprehensive health care solutions – from conventional plans, HSA-compatible high-deductible plans, and lower-cost plans, to limited benefit plans and more. In additon, BlueOptions Temporary offers short-term health coverage for up to 180 days.

Choosing the right health insurance plan based on your medical needs and budget can be time consuming and confusing. For over twenty years, Bay Marketing has helped thousands of Florida residents choose the right BCBSF health plan and continue to receive top awards from Blue Cross and Blue Shield of Florida.

Bay Marketing has four offices serving Lakeland, Tampa, Sarasota, and Fort Myers, Florida. West coast and central Florida residents can also get online confidential BCBSF health plan quotes by visiting Bay Marketing website, Florida Health Plans Online at http://floridahealthplansonline.com .