First, we’ll work with your clients to figure out the coverage that’s right for them, their employees and their families – the same way we always have.
INSURANCE SIMPLIFIED
Small business health insurance made easy
Level funding offers your clients one consistent monthly payment, regardless of actual monthly claims, along with lower taxes. And they may even get money back at the end of the year.
Simplicity
One payment
Predictability
Always the same amount
Savings
A chance to get money back
Why BlueCross BlueShield of Tennessee?
Support
We’re known for going above and beyond for our employer groups, helping troubleshoot, anticipate and problem solve. Think of us as an extension of your team.
Satisfaction
We provide guidance at every step of our members’ health journeys. That’s why we have a 92% Member Satisfaction Rate.
Expertise
With our headquarters just up the road, we know Northwest Georgia, local providers, the different communities and available resources. Plus we have over 75 years of experience serving the region.
WHAT TO EXPECT
How level funding works
Pick your plan
We have many plans to choose from — ranging from HSA-compatible plans to plans with copays. All are available on Blue Network SSM or Blue Network PSM.
Head-to-toe coverage
Level funding includes medical, pharmacy and wellness coverage with the same access to clinical management programs and consumer tools as our fully-insured plans.*
Simple funding
Once you've chosen the plan(s) you want, we set a fixed monthly payment amount that includes administrative expenses, stop-loss coverage and expected claims.
Save
If your total incurred claims costs are lower than your claims funding payments, you’ll share in a surplus credit upon renewing.
Level funding may not be right for all groups. Each group will be subject to underwriting review for a level-funded quote.
* Level-funded plans don't include pediatric dental and vision coverage or lifestyle health coaching.
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