Choosing a group health insurance carrier is an important decision for any small business. Health benefits affect employee satisfaction, hiring competitiveness, and long-term budgeting. If you are evaluating Anthem group health plans for your business, this guide explains how these plans are structured and what to consider before enrolling.
At Veritas Risk Management, we focus on helping employers compare options clearly and objectively. Below is a structured overview of how Anthem group plans work and how to evaluate whether they fit your company’s needs. Health coverage should align with your broader business insurance strategy.
Anthem is a national health insurance carrier that offers employer-sponsored health plans. Like most large carriers, Anthem provides multiple plan types designed for small and mid-sized businesses.
Group health plans through Anthem may include:
The exact structure, network availability, and benefits vary by state and employer size, so reviewing local plan details is critical.
Anthem typically offers several standard group health plan structures. Understanding these models helps employers compare flexibility, cost, and network access.
PPO plans generally provide broader provider access and allow members to see specialists without referrals. These plans often include:
PPO plans may appeal to employers who prioritize provider choice.
HMO plans typically require members to use a defined provider network and select a primary care physician. Referrals may be required for specialist visits.
HMOs are often designed to:
Network availability depends on the local market.
EPO plans usually combine elements of PPO and HMO structures. Members must use in-network providers (except in emergencies), but referrals may not always be required.
EPOs often:
High-Deductible Health Plans typically feature:
HDHPs may appeal to employers focused on premium control while offering employees tax-advantaged savings options (if HSA-qualified).
Rather than focusing only on brand name, employers should compare:
Confirm whether local hospitals, specialists, and primary care providers in the Tri-Cities area are included in the plan network.
Review:
Premium alone does not tell the full story.
Age mix, coverage tiers (single vs. family), and workforce size affect premium calculations under ACA small group rating rules.
Many large carriers, including Anthem, offer digital enrollment platforms and member tools. Ease of administration can significantly reduce HR workload.
While the specific enrollment process depends on group size and state rules, most small employers should expect to:
Working with an experienced broker helps streamline this process and avoid administrative mistakes.
Anthem is one of several national carriers that offer:
The best choice for your business depends less on the carrier name and more on:
For foundational education on plan structures, see our guide on health insurance basics.
Veritas Risk Management works with businesses in:
Our advisory approach includes:
If you are considering Anthem or comparing multiple carriers, we can help you evaluate the full picture.
Anthem is a well-established national carrier offering multiple group health plan structures. Whether it is a good fit depends on local network strength, plan pricing, and your workforce needs.
PPO plans typically offer broader provider flexibility, while HMO plans usually require in-network care and may require referrals. Costs and structure vary by plan.
Group health plans offered in the small group market are generally structured to comply with ACA requirements, including essential health benefit standards and rating rules.
Many carriers, including Anthem, may offer ancillary benefits such as dental or disability alongside medical plans. Availability depends on state and employer eligibility.
Andrew Darlington heads Veritas Risk Management and Insurance Services as President and Founder, serving East Tennessee communities from bases in Johnson City and Kingsport. Beginning his journey in 1997, he launched Veritas in October 2009 to craft personalized risk strategies for individuals and companies. His broad expertise encompasses home, auto, business, life, health, and workers' compensation, partnering with esteemed carriers like Erie Insurance for solid defenses.
With credentials including Certified Risk Manager (CRM), Certified Insurance Counselor (CIC), Certified Builders Insurance Agent (CBIA), Accredited Adviser in Insurance (AAI), and Chartered Property & Casualty Underwriter, Andrew commits to transparent, client-focused counsel. He authors pieces on issues like coverage assessments, risk trends, and family safeguards, assisting in expense reductions and enhanced security.
A Memphis native and King University graduate, Andrew makes Johnson City his home with his wife and six children. Away from the office, he delights in basketball, supporting the Vols, church participation, and family outings. Community-involved through Apex Business Network, Johnson City and Kingsport Home Builders Associations, and Home Builders Association of Tennessee, Insurers of Tennessee, and as a church elder, Andrew's clients commend his thoughtful, results-oriented method. His core belief? Build lasting trust with integrity in every client connection.