BusinessFlex® Key Features

BusinessFlex® combines popular, reliable UniCare coverage with innovative new features including:

• Defined Contribution Options
• MemberFlex®
• Section 125 Premium Only Plan (services provided by Ceridian Benefits Services.)

Defined Contribution Options

BusinessFlex’s® defined contribution options give employers the power to control their benefit costs. Employers can better plan their budgets and free up money for growing their business.

BusinessFlex® offers four contribution options:

• Defined Contribution 100: Limits your share of monthly premium to no more than $100 per covered employee.
• Defined Contribution 80: Limits your share of monthly premium to no more than $80 per covered employee.
• Defined Contribution Select: Empowers you to pay any fixed amount in excess of $100 per covered employee.
• Traditional Contribution: Enables you to contribute a percentage of the total monthly employee premium.

BusinessFlex® also gives you three financing options for dental benefits:

• Defined Contribution 15
• Defined Contribution Select
• Traditional Contribution.

Under all these contribution options, employees pay any balance of the premium.

MemberFlex®

With MemberFlex®, you have the ability to offer more than just a single insurance plan to every employee. You have the ability to select any or all of UniCare's quality medical and dental insurance plans for your employees. Employers are then free to choose the coverage that is tailored to their specific needs and budget.

Section 125 Premium Only Plan (P.O.P.)

The Premium Only Plan (P.O.P.) offers employers and employees even greater opportunity for savings. This plan allows workers to use pre-tax dollars to pay their share of benefit premiums. As a result, total taxable payroll is reduced, saving employers on FICA and other taxes. (See the Premium Only Plan section of this site for more information.)