Vermont's Health Benefit Exchange > Small Business Enrollment

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Small Businesses

As a small business owner who has opted to offer health care coverage to your employees, you must enroll in a Qualified Health Plan directly through your health plan for 2014 coverage. This process will continue until the Small Business Health Options Program (SHOP) functionality is available through Vermont Health Connect.

When to Enroll

Small businesses may enroll at any time. You do not have to wait for your annual renewal date to enroll in a 2014 Qualified Health Plan. If you want to enroll early, please call us at (800) 255-4550. Otherwise, you will receive a renewal notice prior to your renewal date explaining the new enrollment and product options.

Transitioning from Extended 2013 Coverage to a QHP for April 1, 2014

If your renewal date has passed and you opted to extend your 2013 health plan for up to three months until March 31, 2014, or your renewal month is April 1, you should notify us of your QHP selection(s) immediately. Requests received after Monday, February 17, 2014 will be processed as quickly as possible. However, due to a large volume of transactions we are unable to guarantee that coverage will be in effect and member ID cards issued prior to April 1.

How to Enroll

1. Compare our Qualified Health Plans (QHP), compare now.

2. Select the QHP(s) that best meets yours and your employees' health care and budget need. Please note, the number of plans you may offer is determined by the number of employees you have enrolled in your health care offering.

Number of Employees Enrolled	Maximum Number of Plans You May Offer
1 enrolled employee	1 plan
2 -24 enrolled employees	2 plans
25 - 50 enrolled employees	3 plans

3. Enroll your business

If you're already a valued customer, you have two enrollment options:
- Option 1: Direct enroll using our self-service online enrollment tool!
- Option 2: Enroll over the phone, call (800) 255-4550 Monday - Friday, 8 a.m. to 6 p.m.
If you're new to BCBSVT, to enroll in a QHP directly please complete the following:

Return completed forms:

Mail to: Sales & Retention Department
Blue Cross and Blue Shield of Vermont
P.O. Box 186
Montpelier, VT 05601-0186

Email to: salesandretention@bcbsvt.com

Fax to: (802) 371-3490

4. Distribute a Summary of Benefits and Coverage (SBC) to employees for the plan that they enrolled in. Federal law requires employers provide their employees with a Summary of Benefits and Coverage (SBC) at certain times.

5. Pay your premium to BCBSVT by the due date specified on your invoice.

When you enroll directly with BCBSVT, you will be enrolled through December 31, 2014 and we will administer all aspects of your plan, including enrollment and billing.

Note: You may have a new bill to account (BTA) number for your Qualified Health Plan. Please write this on your check.

As an existing valued BCBSVT customer, deductibles and related out-of-pocket limits accumulated during the first quarter of 2014 will be carried forward to the new QHP.

Need Help or Have Questions?

We're here to help! Call us at (800) 255-4550 Monday - Friday between 8 a.m. - 6 p.m.

Help Paying for Coverage

You may qualify for a small business tax credit if you have up to 25 full-time employees, pay average annual wages below $50k and provide health insurance. For more information on the small business tax credit go to http://www.irs.gov/uac/Small-Business-Health-Care-Tax-Credit-for-Small-Employers.

Employees are not eligible for tax credits or subsidies if they are receiving affordable coverage through an employer-offered health care plan. To learn more about affordable coverage, employees can go to healthconnect.vermont.gov.