Anthem Spotlight
At Anthem Life, our mission is to provide the people we serve with financial protection and security.

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Group Coverage @ Anthem Life
Provide competitive employee benefits that fit your budget, with our group life and disability coverage.

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Voluntary Coverage @ Anthem Life
Let employees choose their own coverage with voluntary life and disability insurance from Anthem Life.

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Administrative services ASO plans

Sometimes larger employers prefer to fund employee benefits for short term disabilities as they occur, rather than buying a traditional insurance plan. But removing the insurer from the picture means the employer becomes responsible for all of the specialized functions involved in administering an STD plan. That may be more than the employer wants to take on.  
An Administrative Services Only plan from Anthem Life can give employers the best of both worlds.  
This section includes:
Why Use an ASO Plan
Standard ASO Services
ASO Options
Why use an ASO plan?
With an ASO plan, the employer funds the claim payments but pays Anthem Life to process the claims. That relieves the employer of the responsibility for deciding which claims qualify for payment under the benefit plan…and which ones don’t.  
Having Anthem Life make the payment determinations gives the employer full access to our experience and resources, ensures the privacy of employee health information, and protects the employer and employees by providing a totally objective claim evaluation process.  
Standard ASO services
Under a standard ASO arrangement Anthem Life investigates and evaluates claims, prepares biweekly benefit payments, and sends the payments to the employer for distribution. We do required withholding for income taxes and for the employee’s portion of Social Security and Medicare taxes. Then we provide detailed monthly and annual paid claim reports, to keep the employer fully informed.  
ASO options
Anthem Life can customize the services to meet special needs:  
coordinate claim activity and reporting for multiple employer locations
pay benefits weekly, or mail benefit checks directly to employees, or send the employer a payment advisory instead of a benefit check so the employer can make payments through their payroll system
perform tax withholding beyond what is required, or produce W-2’s and W-2 data filings
prepare benefit plan description materials for employees
Our flexible ASO services let each employer define the ideal balance of control and protection. The employer gains the desired cash flow advantages. Anthem Life provides professional claim evaluation and does as much (or as little) of the benefit administration as the employer chooses.  
For additional details, Anthem Life producers should refer to the Producer Toolkit.  
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Anthem Blue Cross and Blue Shield is the trade name of: In Colorado Rocky Mountain Hospital and Medical Service, Inc. HMO products underwritten by HMO Colorado, Inc. In Connecticut: Anthem Health Plans, Inc. In Indiana: Anthem Insurance Companies, Inc. In Kentucky: Anthem Health Plans of Kentucky, Inc. In Maine: Anthem Health Plans of Maine, Inc. In Missouri (excluding 30 counties in the Kansas City area): RightCHOICE® Managed Care, Inc. (RIT), Healthy Alliance® Life Insurance Company (HALIC), and HMO Missouri, Inc. RIT and certain affiliates administer non-HMO benefits underwritten by HALIC and HMO benefits underwritten by HMO Missouri, Inc. RIT and certain affiliates only provide administrative services for self-funded plans and do not underwrite benefits. In Nevada: Rocky Mountain Hospital and Medical Service, Inc. HMO products underwritten by HMO Colorado, Inc., dba HMO Nevada. In New Hampshire: Anthem Health Plans of New Hampshire, Inc. In Ohio: Community Insurance Com pany. In Virginia: Anthem Health Plans of Virginia, Inc. trades as Anthem Blue Cross and Blue Shield in Virginia, and its service area is all of Virginia except for the City of Fairfax, the Town of Vienna, and the area east of State Route 123. In Wisconsin: Blue Cross Blue Shield of Wisconsin ("BCBSWi"), which underwrites or administers the PPO and indemnity policies; Compcare Health Services Insurance Corporation ("Compcare"), which underwrites or administers the HMO policies; and Compcare and BCBSWi collectively, which underwrite or administer the POS policies. Independent licensees of the Blue Cross and Blue Shield Association. ® ANTHEM is a registered trademark of Anthem Insurance Companies, Inc. The Blue Cross and Blue Shield names and symbols are registered marks of the Blue Cross and Blue Shield Association. Use of the Anthem Web sites constitutes your agreement with our Terms of Use