Your goal: A healthy workforce, and a healthy budget. We can help.
We offer the single solution for your benefits needs. Coordinated
health benefits can mean better outcomes for employees, and simplified
administration for you.
For complete information on benefits and insurance plans and products,
including availability, details, and brochures, please contact Dodson Christian @ 501-350-0238
Medical - including industry-leading consumer-directed health benefits and insurance plans
Dental - boost your bottom line with routine dental coverage
Pharmacy - solutions to address rising prescription drug costs
Behavioral Health - enhance employee performance and lower absenteeism
Health Programs - innovative offerings with a holistic approach
Student Health - health insurance coverage for college and university students throughout the country
Group Insurance: Life and Disability Insurance Policies
Group insurance plans designed to meet the changing needs of your business.
Ease of Doing Business -
Consultative account management
Bundled and stand-alone solutions
Consumer Centric -
Focusing on the "whole member"
Offering products and services across a life stage continuum, whether employees are healthy, disabled or approaching end of life
Clinical Expertise -
Because we're a premier health benefits company
We understand the complete health lifecycle -- wellness, chronic and acute stages
We have access to enterprise-wide clinicians to ensure best-in-class care for every member
Integrated Approach -
By leveraging our assets, we can:
Apply our industry-leading predictive modeling
Maximizing health and productivity for all segments
Bundle in products and programs that differentiate us from the specialty carriers
The Blue Cross and Blue Shield Association (BCBSA) is a national federation of 39 independent, community-based and locally operated Blue Cross and Blue Shield companies.
For more than 70 years, the 39 Blue Cross and Blue Shield companies have provided millions of families with top-quality, affordable health insurance.
Represents the nation's oldest and largest family of health benefits companies
BCBS Brands are the most recognized in the health insurance industry
Headquarters in Chicago with offices in Washington, D.C.
More than 880 employees
BCBSA Departments and National Programs
BCBS Companies
Collectively, the Blue Cross and Blue Shield System provides healthcare coverage for 102 million people or one-in-three Americans.
39 Blue Cross and Blue Shield companies
Among the 20 largest employers in the U.S.
Healthcare coverage available in all 50 states, the District of Columbia and in Puerto Rico
Nationwide, more than 90 percent of hospitals and 80 percent of physicians contract with BCBS companies – more than any other insurer
BCBS Healthcare Coverage
Blue Cross and Blue Shield companies offer a variety of insurance products to all segments of the population, including large employer groups, small businesses and individuals.
71.6 million in PPOs
11.7 million in traditional, fee-for-service programs
14.8 million in HMOs
4.8 million in point-of-service (POS) products
BCBS History
Today, the Blue Cross and Blue Shield Brands are registered in more than 170 countries. To find out the history behind healthcare's most recognized Brands, visit the BCBS Timeline.
Life insurance is more than just paying premiums to an insurance company and the payment of a death benefit to your beneficiaries. It can also be used to achieve different financial goals. More Life Insurance information.
Your employer may provide disability income insurance. But if the coverage won't provide at least 60% of your income, won't pay benefits up to age 65, and has a waiting period longer than your savings will keep you afloat, you'll probably need private insurance, too. More Disability Insurance information.
Good financial planning is critical in protecting your independence, your assets and your choices. Considering long term care insurance is an important part of that process.
You can create a more certain future for the person in your life with special needs. More on Special Needs.
If you're responsible for evaluating or purchasing employee benefits for your company, you're probably concerned with price, flexible plan design and service. Learn why many discerning companies choose Guardian.
Life Insurance
Life insurance can provide an excellent opportunity for you to meet many of your goals while still protecting the financial security of your loved ones. All life insurance policies have some things in common-you make payments, called premiums, to the insurance company. When you die, the insurance company pays a death benefit to your beneficiaries. Often, this death benefit is received income tax-free.
Permanent life insurance, however, can also provide a living benefit. When you pay your premium, part of it goes into a cash reserve and accumulates tax-deferred. You can generally access this cash reserve at any time, for any purpose. It can be used for things like education expenses, retirement income, and many other needs. It also remains in force during the insured's entire lifetime, provided premiums are paid as specified in the policy.
Disability Income Insurance
When a disability leaves you unable to work for an extended length of time, you lose the ability to earn an income- the one thing you've always relied on to provide for yourself and your loved ones. Meanwhile, your living expenses continue-in fact, they're likely to increase for a number of reasons. You could need help around the house or have higher medical expenses, for example. That's where disability income insurance (DI) comes in. It's designed to help you maintain your standard of living when you cannot work. If you don't have much in the way of assets for a financial cushion, you need enough to cover costs and supplement your income until you can go back to work.
Disability income insurance is needed by just about everyone who earns a living. Surprisingly, single people often need it more than married couples because they don't have a spouse's income to fall back on if they are injured or become too sick to work. On the other hand, most married people have a hard time imagining what it would be like to live on one salary when they barely get by on two. And unfortunately, disability strikes more often than you may think.
Your
financial security could affect your loved ones as much as, or more
than, it affects you. Life insurance offers protection from life's
unforeseen risks, and the power to leverage assets so you can
accomplish more. Life insurance has tax advantages and flexibilities to
help you meet your changing needs. It can provide:
Financial protection for your loved ones or your business
Income replacement
Supplemental retirement income
Account value growth that can be used as a financial resource
Tax-deferred asset accumulation
Efficient wealth transfer solutions
A funding vehicle for business owners
Consider life insurance as an important component
of your financial strategy. Explore the five types of life insurance we
can offer you:
Term Life - For temporary coverage
Life insurance for a fixed period of time: one, five, 10 years or longer
Most economical form of life insurance
Guaranteed death benefit within the specified term
When you become a valued member of QualChoice group health insurance, you experience many great benefits.
In addition to reliable health coverage and fast, accurate claims payment, QualChoice members have exclusive access to Better Health Advisor, which provides online decision-making support tools and links that allow members to research virtually any medical condition, and Ask A Doc, a health website that allows members to communicate online with physicians, mental health professionals and pharmacists.
We also offer comprehensive health management through QCARE. Our QCARE care managers and health coaches work one on one with members to help them better understand their chronic illness or disease, and to help them better manage their health for the best possible outcomes.
Other great resources for QualChoice covered members include information about your specific drug plan through ProCare, one of America's largest pharmacy benefit managers.
QualChoice also offers online administration and investment management through our Health Savings Account (HSA) program, and online claims check through QuicAccess.
And, of course, QualChoice group health insurance members have always had access to Better health plans that fit their needs, easy access to leading primary and specialty care physicians and exceptional customer service. If you're not a member but want Better benefits, contact your benefits administrator or Human Resource manager. Find out how you can become a member of QualChoice of Arkansas and get the best group health insurance plans for your business.
In the summer of 2008, QualChoice was proud to announce the launch of its newest product, IQChoice - a smarter health plan for individuals.
UnitedHealthcare is an operating division of UnitedHealth Group, the largest single health carrier in the United States.
As a recognized leader in the health and well-being industry, we strive to:
Improve the quality and effectiveness of health care for all Americans
Enhance access to health benefits
Create products and services that make health care more affordable
Use technology to make the health care system easier to navigate
Our family of companies delivers innovative products and services to approximately 70 million Americans. UnitedHealthcare's nationwide network includes 589,000 physicians and health care professionals, 80,000 dentists and 4,920 hospitals. Our pharmaceutical management programs provide more affordable access to drugs for 13 million people.
We're committed to the delivery of quality care and its continual improvement. In fact, UnitedHealth Group made significant investments in research and development, technology and business process improvements – nearly $3 billion in the past five years. These investments led to changes that are improving the way care is delivered and administered across the entire industry.
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