BusinessFlex® Decision Guide

BusinessFlex® for Small Groups from UniCare offers you and your employees tremendous choice in selecting affordable health care coverage to best fit your needs. This Decision Guide will help you and your agent select the financing method best for your company and identify the most appropriate health plans to offer your employees.

Step One: Contribution Options

Your company and its employees may share the monthly cost of health insurance premiums. With BusinessFlex® for Small Groups, UniCare now offers employers four financing options:

  • Defined Contribution 100: Your company pays $100 per month for each enrolling employee.
  • Defined Contribution 80: Your company pays $80 per month for each enrolling employee.
  • Defined Contribution Select: Your company pays any fixed monthly amount over $100 that you choose for each enrolling employee.
  • Traditional Contribution: Your company pays 50% or more of the total monthly employee cost.

In all cases, employees pay any balance of the monthly premium.

To help you choose the contribution option right for your business, please answer the following questions:

  1. 1. On a scale from 1 to 3 with 1 being Not Important and 3 being Very Important, how important is it to you to pay a fixed amount per employee, regardless of total cost?

    If you selected 1, the Traditional Contribution option may be your best choice. If so, please skip to STEP TWO. Or you may want to consider our defined contribution options by continuing with questions 2-5.

    If you selected 2 or 3, please answer the following questions:
  2. How many employees in your company will be enrolling for health coverage?
  3. Approximately how much is your business currently paying toward health care coverage each month?
  4. Approximately how much is your business willing and able to pay toward health care coverage each month?
  5. Divide your target premium amount (the lesser of number 3 or 4) by the number of employees you indicated in number 2.

If the amount in number 5 is $100 or less, the Defined Contribution 100 option or the Defined Contribution 80 Option may be your best choice. If the amount in number 5 is more than $100, the Defined Contribution Select option may be your best choice.

Step Two: Plan Options

Under MemberFlex®, you can empower your employees to choose from among all of our health plans, from a few of them, or simple offer them a single plan. To help you determine how many health plans to offer, please answer the following questions:

  1. Do most of your employees have similar health care coverage needs?
  2. What level of choice do you feel is important to offer your employees?
  3. How much impact does the health coverage you provide have when hiring new employees or keeping current employees?

Standard group participation requirement is a minimum of 75% of eligible employees.

Your UniCare Authorized Agent can assist you in understanding your choices and making your final decision.

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