MEDICAL OPTIONS TO BEST SERVE YOUR EMPLOYEES AND THEIR FAMILIES

Please review this page in it’s entirety to understand your options.

Your organization is eligible to participate in the pooled group medical program, as long as you touch one of the 5 industries on the home page AND you have 10 or more employees on the medical plan.

Here is a high-level plan overview:

​Pooled Level-Funded Product:

  • Aggregated program to spread risk and lower rates
  • Lower administrative cost
  • Significant benefit design advantages in relation to healthcare reform requirements.
  • Easy to budget monthly cost – you pay a set monthly tiered rate
  • Your maximum liability is your monthly premium
  • Easy to budget for multi-year success

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Product Advantages

  • Multiple PPO and HDHP with Health Savings Account options available
  • Blue Cross / Blue Shield network
  • Your group must medically qualify for participation in your industry pool. This qualification will keep rates low and the population of the pools healthy.
  • UNIQUE FEATURE: You will receive 100% of unused premium back at the end of each year. This means that if premium exceeds claims and fixed cost, you will receive a check back for the balance.

Excellent Provider Network with Competitive Rates

  • Arizona-based groups will have the Blue Cross / Blue Shield of Arizona network
  • Groups based outside of Arizona will have access to the Cigna network
  • Competitive rates based on aggregating risk
  • Discounts can be as high as 25% for healthy groups

How The Program Works

Step 1 – Pick Up To 3 Medical Plans

Pick Up to 3 Medical Plans. You can mix and match plans from a list of 12 medical options. If you are a larger employer and you require some customized options, reach out to The Clear Group to discuss your options.

Step 2 – Pick Ancillary Plans

Choose to include dental, vision, life, voluntary life, accident, critical illness, and/or hospitalization benefits to offer to your employees.

Step 3 – Pick Enrollment Process

Choose your effective date, complete online enrollment questionnaire, and communication style.

Step 4 – Pick Meeting Type

Choose your enrollment method – group meetings, webinars or one-on-ones. We will customize the enrollment process to make sure we educate your employees on all of their benefit options.