Small Group Health Plans
Vermont Health Services Group (VHSG)
The Vermont Health Services Group (VHSG) sponsors Blue Cross and Blue Shield health plan coverage for its members plus raises funds for non‑profit programs involved in health improvement for children and teenagers. VHSG offers a full array of health plans that feature comprehensive coverage, extensive provider networks and decision support tools for members. VHSG is governed and operated directly by small business associations, and membership in one of these associations is required:
- Vermont Businesses for Social Responsibility (VBSR)
- Vermont Grocers’ Association (VGA)
- Vermont Medical Society (VMS)
- Vermont Retail Association (VRA)
- Vermont Veterinary Medical Association (VVMA)
- Women Business Owners Network (WBON)
2013 VHSG Brochure
2013 VHSG Rate Sheet
SBC Instructions for Small Group Employers 11-26-12
Vermont Freedom Plans (PPO)
with vision exam
- $750/$1,500 deductible - 80%/20% co-insurance to $3,750/$7,500 out-of-pocket limit
- $1,500/$3,000 deductible - 80%/20% co-insurance to $7,500/$15,000 out-of-pocket limit
- $2,500/$5,000 deductible - 80%/20% co-insurance to $7,500/$15,000 out-of-pocket limit
- $5,000/$10,000 deductible - 80%/20% co-insurance to $7,500/$15,000 out-of-pocket limit
- $10,000/$20,000 deductible - out-of-pocket limit equals annual deductible
with vision exam and materials
- $750/$1,500 deductible - 80%/20% co-insurance to $3,750/$7,500 out-of-pocket limit
- $1,500/$3,000 deductible - 80%/20% co-insurance to $7,500/$15,000 out-of-pocket limit
- $2,500/$5,000 deductible - 80%/20% co-insurance to $7,500/$15,000 out-of-pocket limit
- $5,000/$10,000 deductible - 80%/20% co-insurance to $7,500/$15,000 out-of-pocket limit
- $10,000/$20,000 deductible - out-of-pocket limit equals annual deductible
Blue CDHP (Comprehensive) with Wellness Drug Benefits-HSA/HRA Compatible
with vision exam
- $2,250/$4,500 deductible (aggregate*) - 80%/20% co-insurance to $3,250/$6,500 out-of-pocket limit
- $4,000/$8,000 deductible (aggregate*) - 80%/20% co-insurance to $5,000/$10,000 out-of-pocket limit
with vision exam and materials
- $2,250/$4,500 deductible (aggregate*) - 80%/20% co-insurance to $3,250/$6,500 out-of-pocket limit
- $4,000/$8,000 deductible (aggregate*) - 80%/20% co-insurance to $5,000/$10,000 out-of-pocket limit
BlueCare CDHP (HMO)** with Wellness Drug Benefits -HSA/HRA Compatible
with vision exam
- $2,000/$4,000 deductible (aggregate*) - 100% coverage after deductible
- $2,500/$5,000 deductible (aggregate*) - 100% coverage after deductible
- $2,500/$5,000 deductible (aggregate*) - 80%/20% co-insurance to $5,950/$11,900 out-of-pocket limit.
- $3,000/$6,000 deductible (stacked^) - 100% coverage after deductible
- $5,000/$10,000 deductible (stacked^) - 100% coverage after deductible
with vision exam and materials
- $2,000/$4,000 deductible (aggregate*) - 100% coverage after deductible
- $2,500/$5,000 deductible (aggregate*) - 100% coverage after deductible
- $2,500/$5,000 deductible (aggregate*) - 80%/20% co-insurance to $5,950/$11,900 out-of-pocket limit.
- $3,000/$6,000 deductible (stacked^) - 100% coverage after deductible
- $5,000/$10,000 deductible (stacked^) - 100% coverage after deductible
BlueCare Access CDHP (HMO) ** ^^ with Wellness Drug Benefits- HSA/HRA Compatible
with vision exam
- $2,000/$4,000 deductible (aggregate*) - 80%/20% co-insurance to $3,000/$6,000 out-of-pocket limit
- $3,000/$6,000 deductible (stacked^) - 80%/20% co-insurance to $4,000/$8,000 out-of-pocket limit
with vision and materials
- $2,000/$4,000 deductible (aggregate*) - 80%/20% co-insurance to $3,000/$6,000 out-of-pocket limit
- $3,000/$6,000 deductible (stacked^) - 80%/20% co-insurance to $4,000/$8,000 out-of-pocket limit
BlueCare (HMO) **
with vision exam
- Plan D: $500 inpatient co-pay and $200 outpatient co-pay
- Plan I: $1,000 inpatient/outpatient combined deductible
- Plan K: $2,000 inpatient deductible and $1,000 outpatient deductible
with vision exam and materials
- Plan D: $500 inpatient co-pay and $200 outpatient co-pay
- Plan I: $1,000 inpatient/outpatient combined deductible
- Plan K: $2,000 inpatient deductible and $1,000 outpatient deductible
BlueCare Access (HMO) ** ^^
with vision exam
with vision exam and materials
Associations within VHSG
Vermont Businesses for Social Responsibility (VBSR) is a non-profit, statewide trade organization founded in 1990 by a group of business-people who believe companies have as much responsibility to workers, communities and the environment as they do to being financially successful. Over 650 businesses representing all sectors of the Vermont economy belong to VBSR.
Contact:
Vermont Businesses for Social Responsibility
255 South Champlain Street, Suite 11
Burlington, VT 05401
Phone: (802) 862-8347
Email: info@vbsr.org
Website: www.vbsr.org 
The Vermont Grocers' Association (VGA) is a statewide trade association representing all sectors of the Vermont food industry. Approximately 670 stores belong to the organization, including supermarkets, superettes, convenience and country stores along with suppliers to the industry. The Vermont Grocers’ Association is a networking alliance of merchants, retailers and suppliers organized to serve the educational, economic and Legislative needs of its members. Associate Membership is open to manufacturers, wholesalers, brokers, service providers and others interested in the services of the association. A special introductory annual membership rate of $120 is available to all VHSG group members.
VGA Brochure - Member Benefits 
Contact:
Vermont Grocers' Association
148 State Street
Montpelier, VT 05602
Phone: (802) 839-1928
Email: info@vtgrocers.org
Website: www.vtgrocers.org/
The Vermont Medical Society (VMS) has been providing services to Vermont physicians for more than 200 years. Along with providing assistance, information, and lobbying services on legislative and regulatory matters, the VMS offers its members a host of personal and professional services. VMS members enjoy access to a broad array of services and benefits that help them practice medicine more effectively and run their practices more efficiently, including group health insurance such as traditional comprehensive plans as well as high-deductible health plans in conjunction with a Health Savings Account, and over 65 retirement plans. Membership is offered to practicing or retired doctors of medicine or osteopathy with a Vermont license. A special introductory annual membership rate is available to all VHSG group members. New members will receive free membership for 2010, a 50% discount for 2011, and a 25 percent discount for 2012.
Contact:
Vermont Medical Society
PO Box 1457
134 Main Street
Montpelier, VT 05601
Phone: (802) 223-7898
Website: www.vtmd.org
For 40 years, the Vermont Retail Association (VRA) has been taking good care of businesses in Vermont, establishing a tradition of trusted service and dependable support. The Vermont Retail Association was founded in 1968 by some of Vermont's leading retailers to promote and protect the interests of, and provide money-saving services to, members throughout the state. The VRA’s membership includes a broad range of retailers and other businesses associated with the retail sector. A special introductory annual membership rate of $120 is available to all VHSG group members.
Contact:
Vermont Retail Association
148 State Street
Montpelier, VT 05602
Phone: (802) 879-6999
Email: mail@vtretailers.com
Website: www.vtretailers.com
The Vermont Veterinary Medical Association (VVMA) is an organization committed to making a positive influence in the lives and health of animals. The VVMA mission is to promote animal well-being and public health, to provide education for veterinarians and the public, and to enhance the ability of veterinarians to succeed. There are over 300 member veterinarians in the VVMA. The VVMA is structured to work for its members and act as a collective voice for the veterinary medical profession in Vermont.
Contact:
Vermont Veterinary Medical Association
88 Beech Street
Essex Jct., VT 05452
Phone: (802) 878-6888
Email: kathy@vtvets.org
Website: www.vtvets.org
Women Business Owners Network (WBON) is Vermont’s statewide association for women business owners. WBON offers the opportunity to learn from one another and develop relationships. Members discuss challenges and triumphs, share questions and resources, and receive invaluable advice from women who have been there and are wiser and more successful for the journey. Regardless of the size or type of business, women in business are kindred spirits. Our business lives are integral to our personal and family lives. At WBON we share the joys and strains that being a business owner brings to the whole woman, not just her business self. WBON offers a wide variety of services such as monthly chapter meetings, annual conferences, and special opportunities for you to promote your business.
Contact:
WBON
112 S. Main Street, PMB 167
Stowe, VT 05672
Phone: (802) 363-9266
Email: director@wbon.org
Website: www.wbon.org
Contact:
Vermont Health Services Group
P.O. Box 1457
134 Main Street
Montpelier, VT 05602
Phone: (800) 255-4550
Email: SalesandRetention@bcbsvt.com
Website: www.bcbsvt.com
Email Sales & Retention Representative Call: (800) 255-4550
Preventive
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Renewal Changes Guide |
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Coverage for Vermonters with Medicare
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