tenchimunyo
Expert
- 32
If any of you had to sell a UHC group plan over a comparable BCBS plan even though it was a few dollars more, what would be the number one selling point you would use to make the case for the UHC plan. If at all...that is?
UHC Over BCBS?
- Thread starter tenchimunyo
- Start date
- 9,744
What Blue Cross Blue Shield plan do you refer to? There are many state variations.
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- #3
tenchimunyo
Expert
- 32
Sorry...BCBS-LA Blue Saver plan. The UHC plan is a Choice Plus Plan. Both have a $2500/$5000 ded. and both have an 80% co-insurance. The BCBS plan has a slightly lower OOP max, though. The UHC plan is a little less expensive, however.
- 9,744
Probably will hinge on which of those two will be most important to the owner of the business. Group health is a commodity product, I'm betting it will be the lower premium.
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- #5
tenchimunyo
Expert
- 32
That's what I'm thinking, but I'd like a little more ammo. I know that BCBS is really a splintered entity, but does the national network of UHC really have anything more attractive to offer the insureds...I mean if they are out of state for any reason?
- 9,744
Most of the Blues participate in "Network Blue", so the coverage is virtually nationwide like UHC.
- 1,896
At that point it's really a value-added situation. Here in IL, the UHC plans for small groups have the EAP and BCBS doesn't. That's a possible selling point. BCBS is easier to deal with for service issues here in IL as well, but not by a long shot. UHC also has a funky medication schedule for some fairly well-known generics.
Otherwise, it's pretty equal, definitely a YMMV situation. And I would stress that to the owner when asking them to make a choice.
Otherwise, it's pretty equal, definitely a YMMV situation. And I would stress that to the owner when asking them to make a choice.
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Cost vs benefits is always an issue.
UHC is offering a much higher value of wellness benefits and technology.
BCBS has a better drug formulary.
I sell both. My experience is cost usually decides.
UHC is offering a much higher value of wellness benefits and technology.
BCBS has a better drug formulary.
I sell both. My experience is cost usually decides.
