Group Medical Insurance for Small & Large Businesses

The largest provider networks in Connecticut – and the nation. Popular plans with quality care at a broad range of price levels. Innovative cost-saving products and programs. Let Anthem help you build an employee medical benefit package that works best for your budget and your employees.

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Group Medical Plans for Connecticut

Explore affordable, flexible Anthem group medical plans, including Consumer-Driven Health Plan (CDHP) choices and medical programs that can be customized to individual member needs. Our funding options and group health expense accounts offer even more ways to save on health care costs.

Want more details on our plans and integrated benefits? Get a Connecticut Small Group Product Guide

Preferred Provider Organization (PPO)

PPO plans have large provider networks and give employees more choices than an HMO plan, but monthly premiums and deductibles are usually higher. Members are encouraged to choose a primary care physician (PCP) as a “medical home”, although no referrals for other in-network doctors are required. However, choosing doctors, hospitals and other covered medical services that are not in-network might cost employees more out-of-pocket.

Select PPO

Select PPO plans give employees access to the same high-quality providers as a PPO, but usually the network is smaller. The monthly premiums and deductible options offer greater value than the standard PPO. No PCP is needed and no referrals for other in-network doctors are required.

Health Maintenance Organization (HMO)

HMO plans offer network provider choices similar to a PPO, but members must select an in-network primary care physician (PCP) to coordinate their care. Referrals are needed to see other doctors. The monthly premiums and out-of-pocket medical costs are generally lower than other plans.

Select HMO

Select HMO plans work like a standard HMO, but usually the network is smaller. The monthly premiums and out-of-pocket costs are generally lower than most other plans, offering greater value than the standard HMO. Members must select a primary care physician (PCP) to coordinate their care. Referrals are needed to see other doctors.

Exclusive Provider Organization (EPO)

EPOs are a cost-saving hybrid plan. Like an HMO, an EPO is a managed care plan where services are covered only if doctors, specialists and hospitals are used from within the plan’s network (except in an emergency). But like a PPO, you don’t need to get a referral from a primary care doctor to see specialists as long as you stay within network.

Consumer-Driven Health Plans (CDHP)

Typically, CDHPs have lower premiums but higher deductibles (the amount members pay out-of-pocket for health services before the health plan pays). CDHPs are typically paired with a Health Savings Account (HSA). An HSA is a tax-exempt bank account, set up to help save for – and cover – qualified health care expenses and prescriptions (see below for more information on available health accounts). A CDHP combined with an HSA or other type of health account may also be called a high deductible health plan (HDHP).

Anthem Balanced Funding (ABF)

*Available in Connecticut for small groups of 10 – 50 employees.

Balanced funding is like a conventional self-funded plan, but with less risk. ABF offers fixed monthly payments regardless of claims, but when group usage is lower than expected, a credit is issued toward future premiums.

Funding Options

*Available for in Connecticut for large groups of 100+ employees. Small groups interested in a self-funded option should consider our ABF options.

The most common type of alternative funding plan is the self-funded Administrative Services Only (ASO) plan. Fixed monthly costs for these options are significantly lower than fully insured plans, the financial risk is also greater. ASOs are recommended for large groups with the financial resources to tolerate fluctuations in monthly claims costs.

Anthem also offers Stop-Loss options that put a threshold on the maximum amount of annual claims costs paid by your business.

Anthem AdminCompanion powered by Trion Solutions, Inc

A PEO is a company that provides human resources management products and services to employer organizations. Anthem’s solution is different from simply outsourcing. We can handle HR responsibilities such as benefits administration, payroll, taxes, Workers Comp, and more – providing Fortune 500-calibre HR services, sharing the risk and liability.

Help Employees Save More With a Group Health Expense Account

Anthem has a variety of flexible spending and health account options in Connecticut to fit your small or large business needs. Our seamless account management tools help make health spending decisions easier.

Health Savings Account (HSA)
Health Reimbursement Account (HRA)
Flexible Spending Account (FSA)

Health Savings Account (HSA)

A Health Savings Account (HSA) is a tax-deductible savings account that is owned and funded by the employee to help save for – and cover – qualified health care expenses and prescriptions. Like a bank account, HSA funds remain with the member, but can only be spent on health care expenses. Anthem can pair an HSA with an HDHP or CDHP to help cover out-of-pocket medical expenses, including prescription drugs. Like the HRA, employers can add funds to an HSA as a rewards program for employees who engage in healthy lifestyle choices.

Health Reimbursement Account (HRA)

A Health Reimbursement Account (HRA) is an employer-funded health savings account. Anthem can pair an HRA with a Consumer-Driven Health Plan (CDHP) or High Deductible Health Plan (HDHP) to help employees pay for covered costs. CDHPs often require employees to pay the deductible first, before the HRA account will reimburse additional health care costs. Employers can also add funds to the HRA to establish a rewards program for employees who engage in healthy lifestyle choices.

Flexible Spending Account (FSA)

A Flexible Spending Account (FSA) is an arrangement that employees set up with their employers, allowing them to set aside pre- tax money to pay various kinds of expenses, like co-insurance or child care, for example. An FSA can be paired with any plan. Anthem can set up an FSA that is directly integrated with medical claims processing, so employees are automatically reimbursed for eligible out-of-pocket expenses.

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Group Labor & Trust

Learn about cost-effective options that preserve rich benefits for your union members. Anthem Labor and Trust ensures Taft-Hartley and multiemployer funds have the group medical benefits they need at an affordable price.

Learn about Group Labor & Trust

Group Retiree Solutions

Learn about flexible funding options for your retiree population. Anthem offers prescription plans, PPOs, HMOs, health & wellness programs, plus vision, dental and hearing. Our staff is dedicated to working with older adults.

Learn about Group Retiree Solutions