Cash in hand when it’s needed most.
Voluntary dental, vision, life, disability and supplemental health plans offer a cost-saving solution to your employees that enriches their health and financial security. And gives your business an edge.
Voluntary Supplemental Health Plans
Cash in hand when it’s needed most. Accident, Critical Illness and Hospital Indemnity plans provide lump-sum benefits that members can use to help pay for unexpected medical costs or to ease the stress of daily living expenses.
Connecting Benefits to Make it Easier for Members
Our Empire Whole Health Connection(r) program connects our medical plans with accident, critical illness and/or hospital indemnity protection. This means members with our medical plans will be notified when they have an eligible accident, critical illness or hospital indemnity claim, based on our medical plan data.
The bottom line? We’ll help members know when their supplemental plans kick in to help pay for unexpected care. And we’ll make the process as easy as possible for members and employers.
Areas We Cover
Voluntary Benefits are a Win/Win Proposition
- You win by offering your employees a wide range of valuable benefit options –at no added cost to your business.
- You also win with our Enrollment Partnership Program (EPP) —waived participation requirements for life and disability plans.
- Employees win by choosing the benefits they want, and at affordable group rates.
Savings Scenario: Lance
Lance owns Plaza Design, an architecture firm that employs 83 associates. With the housing market downturn, there was less demand for his services, and his business was having to tighten its belt. He feared, in order to save costs, he’d have to cut his employees’ dental, vision and life benefits.
Luckily, his renewal proposal gave him a better option: Voluntary benefits—allowing him to continue offering these valuable benefits to his employees at no cost to his business. His employees benefited from a group discount rate on the benefits they care about most. Lance benefited from happier, healthier employees at no cost to his bottom line. What’s more, he needed only five enrolled employees.
Lance’s employees were happy. They got to keep the benefits they needed, helping them feel more financially secure and happier with their jobs. Lance was also able to actually add new benefits on a voluntary basis. This gave him a more complete benefits program, which increased his ability to recruit and retain the best employees.
He lowered payroll taxes for Plaza Design. By offering eligible voluntary benefits on a pre-tax basis, Lance lowered his payroll taxes with each enrolled employee. His life became simpler. By bundling all his benefits with Anthem, he enjoyed one point of contact and easier administration.
Lance enjoyed happier employees, lower payroll taxes and easier administration—all at no cost to his business.
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Savings Scenario: Joyce
Joyce is the owner of COLEMAN’s, a local travel agency with 52 employees. Last year, she was faced with a 10% increase to her health premium, taking her monthly cost up to $14,150. What’s more, her employees were requesting that she add life insurance to her benefit package to match other competitors in the area. Though Joyce wanted to offer her employees life, she simply couldn’t afford it.
After hearing Joyce’s concerns, her producer does some research and presents her with the One Solutions Savings Program, which saves Joyce 1% off her health premium just by adding life insurance coverage.* This almost entirely pays for the additional benefit of life insurance.
Joyce saved $141.50/month* on her health insurance premium. ($1,698.00* in annual savings.) Her employees were happy with the added benefit of life insurance. Joyce felt more confident in her ability to retain and attract great employees, while keeping her benefit costs in check.
*This is an example for illustrative purposes only. Actual experiences will vary. The savings apply to the first year for new fully insured groups with 51-250 employees who add a Specialty product when purchasing or renewing Anthem health insurance. Other restrictions may apply. Your savings reflect administrative savings resulting from multi-line purchases. Savings apply when the total life schedule is insured and at least an equivalent volume of $25,000.
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