The reason you have to increase your deductibles every year

Today's topic: Are there other options outside of Blue Cross Blue Shield in Illinois? Blue Cross Blue Shield ensures more than any other carrier in the state. I've never met somebody here that hasn't heard of them. The brand recognition is impressive. So I get why employers may think that that's the only other option out there, but if you are thinking yourself are there other options, I assure you there are most Brokers refer to the other options as Buca, Blue Cross Blue Shield, UnitedHealthcare, Cigna, and Aetna the options don't stop there though. Those are just the ones that are inside of the box. If all you've ever known is Blue Cross Blue Shield, you've increased your deductibles or your employee contributions over the years to try to control costs. If you've heard of the sea you've added shopping or switching carriers to that to try to control cost when you go outside of the box the options extend a lot further than three letters of the alphabet and it's where you can finally get out of the endless loop of switching carriers increasing deductibles and increasing employee contributions. So here's my advice if the only option you've ever heard of Blue Shield you need to strongly consider hiring a new broker. If you've heard of the other three letters in Buca and nothing else start asking your broker. What options go beyond that? It's quite possible. None of them are right for you right now, but you got to find out for yourself. And if your broker doesn't know any other options outside of Buca you need to strongly consider hiring and broker.