Guided Health - GroupAccess - Alabama
Guided Shopping for Health Plan Coverage
Follow the simple questionnaire below to receive a Health plan recommendation for your business of up to 50 employees.
Your Recommended Health Plan
Based on your answers, we recommend the below plan. Learn more by clicking “Show Plan Details” or “Compare all Health Plans.”
When considering health coverage, which is most important to you and your business?
Please select an option below to continue.
Lower Monthly Premiums
Balanced Premiums & Deductibles
Best Benefit Coverage
Monthly premiums are the amount that must be paid for a health insurance plan every month.
From our lower premium plans, which option is preferable?
Low monthly premiums with
- Higher deductibles
- Copays for only a few illness-related visits to a physician's office per year
Moderately low monthly premiums with
- Lower deductibles
- Copays for all in-network hospital visits, office visits and prescription drugs.
A copay is a fixed amount you pay for a covered health care service, usually when the service is received. The amount can vary by the type of covered health care service. If no copay is offered in the health plan, covered services are subject to co-insurance or deductible.
Compare the plan highlights below and select the preferred option.
Blue Secure Silver for Business Plan
- $4,200 Calendar Year Deductible ($8,400 Family)
- $45 Physician Copay
- $90 Specialist Copay
- $650 ER Visit Copay
- Lower monthly premium
Blue Saver Gold for Business Plan
- $2,500 Calendar Year Deductible ($5,000 Family)
- $35 Physician Copay
- $60 Specialist Copay
- $300 ER Visit Copay
- Slightly higher monthly premium
Deductibles are the amount owed during a coverage period (usually one year) for covered healthcare services before the member’s plan begins to pay unless a copay is offered for that service. A copay is a fixed amount a member pays for a covered healthcare service, usually when the service is received.
Which option below would suit you and your employees best?
Low monthly premiums with
- $1,100 Calendar Year Deductible
($2,200 Family) - $35 Physician Copay
- $60 Specialist Copay
- $300 ER Visit Copay
Slightly higher monthly premiums with
- $600 Calendar Year Deductible
($1,200 Family) - $30 Physician Copay
- $50 Specialist Copay
- $250 ER Visit Copay
Deductibles are the amount owed during a coverage period (usually one year) for covered healthcare services before the member’s plan begins to pay unless a copay is offered for that service. A copay is a fixed amount a member pays for a covered healthcare service, usually when the service is received.
Which option below would suit you and your employees best?
Lower monthly premiums with
- $600 Calendar Year Deductible ($1,200 Family)
- $30 Physician Copay
- $50 Specialist Copay
- $250 ER Visit Copay
Higher Monthly Premiums with
- $100 Calendar Year Deductible ($200 Family)
- $20 Physician Copay
- $30 Specialist Copay
- $150 ER Visit Copay
- Adult Eye Exam*
The adult eye exam includes coverage for one exam and refraction per calendar year for adults age 19 and older visiting in-network providers. ($75 maximum per member)
We Recommend:
Blue Saver® Bronze for Business Plan
Based on your answers, our Blue Saver® Bronze for Business plan would likely be the most appropriate plan for you.
Not sure about the plan?
Compare all Health Plans
Blue Saver® Bronze for Business Plan Details
Effective for plan years on and after January 1, 2024
| Coverage Type | In-Network Cost Share |
|---|---|
Calendar Year Deductible  |
$8,450 Individual / $16,900 Family |
| Calendar Year Maximum |
$8,450 Individual / $16,900 Family |
| Primary Care Office Visit | $40 copay for first three illness-related office visits |
| Specialist Office Visit | Plan pays 100% after deductible |
| Telephone & Online Video Consultations | $45 payment per consultation |
| Inpatient Hospital | Plan pays 100% after deductible |
| Outpatient Surgery | Plan pays 100% after deductible |
| Emergency Room | Plan pays 100% after deductible |
| Prescription Drugs | Tier 1: $20 copay / Tier 2: $35 copay / Tier 3 - Tier 6: Plan pays 100% after deductible |
Helpful Documents
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We Recommend:
Blue Secure® Silver for Business Plan
Based on your answers, our Blue Secure® Silver for Business plan would likely be the most appropriate plan for you.
Not sure about the plan?
Compare all Health Plans
Blue Secure® Silver for Business Plan Details
Effective for plan years on and after January 1, 2024
| Coverage Type | In-Network Cost Share |
|---|---|
| Calendar Year Deductible |
$4,200 Individual / $8,400 Family |
| Calendar Year Maximum |
$9,450 Individual / $18,900 Family |
| Primary Care Office Visit | $45 copay |
| Specialist Office Visit | $90 copay |
| Telephone & Online Video Consultations | $45 payment per consultation |
| Inpatient Hospital | Lower Member Cost Share: Plan pays 100% after $700 daily copay / Higher Member Cost Share: Plan pays 100% after $1,000 daily copay |
| Outpatient Surgery | Lower Member Cost Share: Plan pays 100% after $650 hospital copay Higher Member Cost Share: Plan pays 100% after $950 hospital copay |
| Emergency Room | Plan pays 100% after $650 hospital copay |
| Prescription Drugs | Tier 1: $15 copay / Tier 2: $30 copay / Tier 3 : $75 copay/ Tier 4: $100 copay / Tier 5: $250 Copay / Tier 6: Plan pays 60% |
Helpful Documents
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We Recommend:
Blue Secure® Gold for Business Plan
Based on your answers, our Blue Secure® Gold for Business plan would likely be the most appropriate plan for you.
Not sure about the plan?
Compare all Health Plans
Blue Secure® Gold for Business Plan Details
Effective for plan years on and after January 1, 2024
| Coverage Type | In-Network Cost Share |
|---|---|
| Calendar Year Deductible |
$1,100 Individual / $2,200 Family |
| Calendar Year Maximum |
$6,750 Individual / $13,000 Family |
| Primary Care Office Visit | $35 copay |
| Specialist Office Visit | $60 copay |
| Telephone & Online Video Consultations | $35 payment per consultation |
| Inpatient Hospital | Lower Member Cost Share: Plan pays 100% after $300 daily copay / Higher Member Cost Share: Plan pays 100% after $600 daily copay |
| Outpatient Surgery | Lower Member Cost Share: Plan pays 100% after $300 hospital copay / Higher Member Cost Share: Plan pays 100% after $600 hospital copay |
| Emergency Room | Plan pays 100% after $300 hospital copay |
| Prescription Drugs | Tier 1: $10 copay / Tier 2: $20 copay / Tier 3: $50 copay / Tier 4: $90 copay / Tier 5 (Preferred Specialty): $200 copay / Tier 6 (Non-Preferred Specialty): $300 copay |
Helpful Documents
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We Recommend:
Blue Saver Gold® for Business Plan
Based on your answers, our Blue Saver® Gold for Business plan would likely be the most appropriate plan for you.
Not sure about the plan?
Compare all Health Plans
Blue Saver® Gold for Business Plan Details
Effective for plan years on and after January 1, 2024
| Coverage Type | In-Network Cost Share |
|---|---|
| Calendar Year Deductible |
$2,500 Individual / $5,000 Family |
| Calendar Year Maximum |
$7,000 Individual / $14,000 Family |
| Primary Care Office Visit | $35 copay |
| Specialist Office Visit | $60 copay |
| Telephone & Online Video Consultations | $35 payment per consultation |
| Inpatient Hospital | Lower Member Cost Share: Plan pays 100% after $300 daily copay / Higher Member Cost Share: Plan pays 100% after $600 daily copay |
| Outpatient Surgery | Lower Member Cost Share: Plan pays 100% after $300 hospital copay Higher Member Cost Share: Plan pays 100% after $600 hospital copay |
| Emergency Room | Plan pays 100% after $300 hospital copay |
| Prescription Drugs | Tier 1: $10 copay / Tier 2: $20 copay / Tier 3: $50 copay / Tier 4: $90 copay / Tier 5 (Preferred Specialty): $200 copay / Tier 6 (Non-Preferred Specialty): $300 copay |
Helpful Documents
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We Recommend:
Blue Access® Gold for Business Plan
Based on your answers, our Blue Access® Gold for Business plan would likely be the most appropriate plan for you.
Not sure about the plan?
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Blue Access® Gold for Business Plan Details
Effective for plan years on and after January 1, 2024
| Coverage Type | In-Network Cost Share |
|---|---|
| Calendar Year Deductible |
$600 Individual / $1,200 Family |
| Calendar Year Maximum |
$6,000 Individual / $12,000 Family |
| Primary Care Office Visit | $30 copay |
| Specialist Office Visit | $50 copay |
| Telephone & Online Video Consultations | $30 payment per consultation |
| Inpatient Hospital | Lower Member Cost Share:Plan pays 100% after $250 daily copay / Higher Member Cost Share:Plan pays 100% after $500 daily copay |
| Outpatient Surgery | Lower Member Cost Share: Plan pays 100% after $250 hospital copay / Higher Member Cost Share: Plan pays 100% after $500 hospital copay |
| Emergency Room | Plan pays 100% after $250 hospital copay |
| Prescription Drugs | Tier 1: $10 copay / Tier 2: $20 copay / Tier 3: $40 copay / Tier 4: $80 copay / Tier 5 (Preferred Specialty): $125 copay / Tier 6 (Non-Preferred Specialty): $250 copay |
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We Recommend:
Blue HSA® Silver for Business Plan
Based on your answers, our Blue HSA® Silver for Business plan would likely be the most appropriate plan for you.
Not sure about the plan?
Compare all Health Plans
Blue HSA® Silver for Business Plan Details
Effective for plan years on and after January 1, 2024
| Coverage Type | In-Network Cost Share |
|---|---|
| Calendar Year Deductible |
$4,000 Individual / $8,000 Family |
| Calendar Year Maximum |
$6,000 Individual / $12,000 Family |
| Primary Care Office Visit | Plan pays 80% after deductible |
| Specialist Office Visit | Plan pays 80% after deductible |
| Telephone & Online Video Consultations | Plan pays 80% after deductible |
| Inpatient Hospital | Plan pays 80% after deductible |
| Outpatient Surgery | Plan pays 80% after deductible |
| Emergency Room | Plan pays 80% after deductible |
| Prescription Drugs | Tier 1-6: Plan pays 80% after deductible |
Helpful Documents
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We Recommend:
Blue Choice® Platinum for Business Plan
Based on your answers, our Blue Choice® Platinum for Business plan would likely be the most appropriate plan for you.
Not sure about the plan?
Compare all Health Plans
Blue Choice® Platinum for Business Plan Details
Effective for plan years on and after January 1, 2024
| Coverage Type | In-Network Cost Share |
|---|---|
| Calendar Year Deductible |
$100 Individual / $200 Family |
| Calendar Year Maximum |
$4,000 Individual / $8,000 Family |
| Primary Care Office Visit | $20 copay |
| Specialist Office Visit | $30 copay |
| Telephone & Online Video Consultations | $20 payment per consultation |
| Inpatient Hospital | Plan pays 100% after $150 daily copay |
| Outpatient Surgery | Plan pays 100% after $150 daily copay |
| Emergency Room | Plan pays 100% after $150 daily copay |
| Prescription Drugs | Tier 1: $10 copay / Tier 2: $20 copay / Tier 3: $35 copay / Tier 4: $75 copay / Tier 5(Preferred Specialty): $100 copay / Tier 6(Non-Preferred Specialty): $200 copay |
Helpful Documents
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