Basic Plus saves money for California employers by combining two types of medical coverage. The first type is high-deductible Basic coverage from an insurance carrier for hospital care and other major services. The second is employer-sponsored Plus coverage for physician office visits and routine outpatient care. The resulting Basic Plus coverage produces average annual savings of more than 30% for employers, compared to their previous health plan costs.

What’s more, employers can tailor Basic Plus to fit their company’s particular needs. On the Basic coverage, for example, employers can choose to cover some, all, or none of the deductible. On the Plus coverage (which has no deductible), employers can pick and choose from a full range of outpatient benefits and copays. Instead of being saddled with a fixed monthly premium for outpatient care, employers pay only for the services their members (employees and dependents) actually use.

Basic Plus members also benefit from broad access to care. For Basic coverage, they use the insurance carrier’s extensive list of hospitals and physicians. For Plus coverage, they use the California Foundation for Medical Care, which includes more than 30,000 physicians and 5,000 other medical providers statewide. CFMC offers a complete range of physicians, without the need for referrals.

Because Basic Plus is such a flexible product, we offer several different benefit plans:

• In the Bronze plan, members pay the Basic deductible, and employers sponsor essential Plus benefits.

• In the Silver plan, members and employers split the Basic deductible, and employers sponsor expanded Plus benefits.

• In the Gold plan, employers pay the entire Basic deductible and sponsor a full range of Plus benefits.

• In the Custom plan, employers design customized benefit packages for their members.

For detailed information regarding Basic Plus, please click here to view and print a program "highlights" brochure.

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