Quick Forms     Contact BRS

Medical Plans

2008 BRS Rates and Plan Designs* (click here or see Table below)

BRS continues to offer Blue Cross and Blue Shield of Vermont plans at one of the most attractive rates of any size organization.

2008 BRS/BCBSVT Sales Brochure (Click here)

Health Savings Account (HSA). Click here for info.

BRS Advantages:

• BRS offers very competitive BCBSVT rates across all products for small companies.
• BRS offers BCBS plans with the ability to offer 2 separate medical plans for groups with 5 or more subscribers.
• Our plans through BCBSVT have the most comprehensive network of physicians and hospitals in state, this makes doing business with them easier for the customer. See the sidebar on this page for highlights.

BRS Members must be in compliance with “Cobra” Mandates. Click here for info

Employee (Group) Enrollment Form click here

Please go to "Quick Forms" for NEW Group enrollment applications

BUSINESS RESOURCE SERVICES
BLUE CROSS AND BLUE SHIELD OF VERMONT
January 1, 2008 through December 31, 2008*

*Final rates filed 12/17/07 with Vermont Dept of Banking, Insurance, Securities & Health Care Administration

HEALTH SAVINGS ACCOUNT PLANS:
PLAN OPTION:		Single	2-Person	Family
HSA $2,250/$4,500 Ded, 100% with Preventive Care Benefit		$356.01	$630.78	$912.31
HSA $1,500/$3,000 Ded, 100% with Preventive Care Benefit		$418.39	$729.00	$1055.00
HSA $2,500/$5,000 Ded,80/20% to $3500/$7000 OOP		$317.99	$504.18	$730.08
HSA$3,000/$6,000 Ded,(Stacked)80/20% to $4000/$8000 OOP w/Preventive Care Benefit		$300.81	$601.61	$812.18
HSABlueCare:$5,000/$10,000 Ded, (Stacked) 100% with Prev Care Benefit		$226.90	$453.79	$612.62
HSABlueCare:$4,000/$8,000 Ded, (Stacked) 100% with Prev Care Benefit		$255.77	$511.52	$690.56
HSABlueCare:$4,000/$8,000 Ded, (Stacked) 80/20% to $5000/$10,000 OOP with Preventive Care Benefit		$251.44	$502.86	$678.87
HSABlueCare:$3,000/$6,000 Ded, 80/20% to $4000/$8000 OOP with Preventive Care Benefit		$296.33	$481.57	$694.85
HSABlueCare:$2,500/$5,000 Ded, 100% with Preventive Care Benefit		$320.22	$532.91	$769.71
HSABlueCare:$2,500/$5,000,80/20% to $3500/$7000 OOP w/Prev Care Benefit		$306.21	$509.66	$736.09
HSABlueCare:$2,000/$4,000 Ded, 100% with Preventive Care Benefit		$344.37	$586.62	$848.11
HSABlueCare:$2,000/$4,000 Ded, 80/20% to $3,000/$6000 OOP with Preventive Care Benefit		$334.62	$570.04	$824.11
HSABlueCare:$1,500/$3,000 Ded, 100% with Preventive Care Benefit		$373.41	$650.77	$941.71
HSABlueCare:$1,500/$3,000 Ded,80/20% to $2,500/$5000 OOP with Preventive Care Benefit		$353.97	$616.94	$892.71
HSA Administration: No Monthly administration cost for BRS Members
HRA Qualified Plan: $2250/$4500 Ded w/Prev Care Benefit		$360.98	$638.76	$924.58
VERMONT FREEDOM PLANS:
PLAN OPTION:		Single	2-Person	Family
$500 Deductible/$30 OV Co-Pay		$557.88	$1115.69	$1506.19
$1,000 Deductible/$30 OV Co-Pay		$486.85	$973.73	$1314.54
$2,500 Deductible/$30 OV Co-Pay		$393.00	$786.07	$1061.17
$5,000 Deductible/$30 OV Co-Pay		$343.76	$687.53	$928.17
$10000 Deductible/$30 OV Co-pay		$277.81	$556.19	$750.83
BLUECARE PLANS:
PLAN OPTION:		Single	2-Person	Family
D.	BlueCare D: $20/30 OV, $500/200 IP/OP Co-pay	$480.11	$960.22	$1296.30
F.	BlueCare F: $20/30 OV, $500 IP/OP ded	$473.12	$946.24	$1277.43
I.	BlueCare I: $20/30 OV, $1,000 IP/OP ded	$454.15	$908.30	$1226.21
J.	BlueCare J: $20/30 OV, $1,500/750 IP/OP ded	$443.85	$887.69	$1198.39
K.	BlueCare K: $20/30 OV, $2,000/1,000 IP/OP ded	$429.13	$858.26	$1158.65
J.(NoRx)	BlueCare J (No Rx): $20/30 OV, $1,500/750 IP/OP ded	$374.91	$749.82	$1012.26
VISION RIDER OPTION- AVAILABLE WITH BLUECARE AND BLUECARE OPTIONS PLANS ONLY:
PLAN OPTION:		Single	2-Person	Family
$20 Office Visit Co-pay / $20 Materials Co-pay		$8.26	$16.52	$22.31

An Independent Licensee of the Blue Cross and Blue Shield Association

• Overview
• Medical Plans
• Dental Plans
• Group Life Insurance
• Disability Insurance
• Flexible Benefit Plans
• Prescription Drug Plan
• PKC
• Quarterly Employer Assement Calculator
• Group Life Calculator
• Vermont Healthcare Reform/Information
  and Updates

 

 

BCBsVT HIGHLIGHTS

1. The physician must accept BCBS' usual and customary payment.
2. No balance billing, the physician has to accept the BCBS’ payment as full payment and cannot charge the patient the additional balance.
3. Our Freedom plans offer a family deductible of 2 x the single deductible; where most plans have a family deductible of 3 x the single deductible.
4. Our Freedom plans allow you to visit any BCBS provider throughout the United States and not have a reduction in benefits. Most other plans offer either no benefits out of state unless it's an emergency or a reduced benefit schedule. At a time when traveling is so frequent, it's important to have a health plan that you don't have to be concerned about when you're away from home.
5. BCBS's maximum out of pocket includes the deductible and co-insurance (office visit co-pay excluded). Some plans on the market show their maximum out of pocket as co-insurance and the deductible is added to that.