New Enhancements to Anthem Program

Anthem Blue Cross of California recently enhanced its Resource Advisor member-assistance service to include Beneficiary Companion and Identity Theft Victim Recovery Services programs at no additional cost to customers.

The Beneficiary Companion not only notifies financial institutions and public agencies of a loved one’s death, but also closes accounts and places a freeze on credit reports, according to Nicholas Brecker, president of Anthem’s life and disability business.

The ID theft service assigns a fraud resolution specialist to members for an entire year to work closely with creditors, collection companies, collection law firms and credit reporting agencies in the event of an identity theft.

Anthem Blue Cross of California January 2011 Small Group Rate & Benefit Changes

January 2010 – 4.0%
April 2010 – 4.7%
July 2010 – 1.9%
October 2010 – 2.8%

Renewal Increases:  

The January through March renewal increases will vary greatly due to the rating changes Anthem Blue Cross has gone through in the past year. We have had a large variance by product and region, however, we are pleased to announce an average renewal increase for these three months of 14.5%.   

January 2011 Rate Change Overview:  

 

(These rates are for Small Group ONLY, the EmployeeElect 51-99 portfolio as well as the Small Group MHP compliant plans now have slightly different rates than our Small Group portfolio.) 

*These rate adjustments below are averages and will vary by plan and region 

EmployeeElect Total   Total – 4.7 %  

The PPO increases will be as follows

  • Premier Plans will receive an average increase of 3.5% 
  • PPO COPAY Plans will receive an average increase of 3.5%
  • Solution PPO Plans will receive an average increase of 4.4%
  • GenRx Plans will receive an average increase of 4.6%
  • Elements Hospital Plans will receive an average increase of 5.0%
  • EPO Plans will receive an average increase of 4.0%

The Lumenos HSA & HIA plan increases will be as follows

  • HSA 100% plans will receive an average increase of 8.5% 
  • HSA 80% plans will receive an average increase of 8%
  • HIA+ plans will receive an average increase of 8%

 The HMO increases will be as follows

  • All HMO plan families will receive an average increase of 3.5%

Anthem Blue Cross of California – October 2010 Small Group Rate Action

Anthem Blue Cross has announced their October 2010 Small Group medical rate action. After a year of new business rate passes or moderate increases, Anthem Blue Cross will again have just a modest increase for new business rates in October 2010.

The total average quarterly increase is 2.8%.

 

Please note that these rates are for Small Group only. The 51-99 EmployeeElect and Small Group mental health parity compliant plan rates will no longer match small group rates. This is due to Anthem Blue Cross’ compliance with the Mental Health Parity Act, effective July 1, 2010. 

 

Here are the breakdowns:

  • EmployeeElect PPO plans will see a new business average increase of 2.0%
  • EmployeeElect HMO plans will see a new business average increase of 1.5%
  • EmployeeElect CDHP plans will see a new business average increase of 7.0%

 

  • EmployeeChoice plans will see a new business average increase of 3.6%
  • BeneFits plans will see a new business average increase of 1.2%

In addition, there will be no rate or benefit changes for Small Group Dental, Life and Vision products.

Important Healthcare Reform Benefit Changes

 

Anthem Blue Cross has updated their benefits to comply with federal and state requirements, including applicable provisions of the recently enacted federal healthcare reform laws.

The following benefits have been updated to comply with the law:

  • Removal of Lifetime Maximum on PPO plans
  • Removal of Annual Dollar Maximums
  • Preventive Care will now be covered at 100%

Grandfather Status:

  • Effective October 1, 2010, Anthem Blue Cross will be making all of their EmployeeElect plans eligible for Grandfather Status
  • The EmployeeChoice and BeneFits portfolios, as well as the Indian Tribes plans, will not maintain Grandfather Status

Specialty Product Discounts:
Anthem Blue Cross has lowered the rates on their most popular Dental Blue Gold Plus 100-80 plan by 8.5% in April…combine that sale with $25,000 of Life and the group receives an additional 6% off the rate for a total savings of 14.5%.

 And don’t forget the 1% RAF savings when a group buys at least $25,000 of Life coverage (down to a .90 RAF). In many cases, the 1% RAF savings can cover the entire cost of the life premium.

RAF Promotion Update:
Anthem Blue Cross is continuing with their current RAF promotion program through December 15th effective dates:

Groups with 6 or more enrolling medical subsribers with a renewal of 1.06 or less (with their current carrier) will receive an automatic .90 RAF.

There is one notable change for PEO groups:

Anthem Blue Cross will include PEO groups with 15 or more enrolling medical subscribers in the fourth quarter (assuming they meet all other eligibility requirements.)

Anthem Blue Cross of CA – Small Group Medical Rate Action for April 2010

Anthem Blue Cross of CA – Small Group Medical Rate Action for April 2010
Anthem Blue Cross has announced their Small Group rates for April 2010. After two consecutive quarters of no increases (July and October 2009) and a moderate 4% increase in January, Anthem Blue Cross has announced moderate increases for April 2010. Anthem’s Small Group medical portfolio will experience an average increase of 4.7%. 

Here’s the breakdown:

EmployeeElect HMO plans will see a new business average increase of 4.8%. 

  • HMO 100% plans, Classic $20, Saver $20 and EmployeeChoice Saver HMO will receive an average increase of 5%.
  • Classic $30 and $40 plans, Saver $30 and $40 plans and both Select HMO plans ($25 and $35) will receive an average increase of 4%.

 EmployeeElect PPO plans will see a new business average increase of 4.3%.

Premier PPO Plans:

  • Premier PPO Copay $10/$20/$30 will receive an average increase of 4%.                       

PPO Copay Plans:

  • PPO Copay $20/$30/$40 will receive an average increase of 4%.

PPO GenRx Plans:

  • PPO Copay $25/$35 will receive an average increase of 4%.
  • GenRx PPO $45 will receive an average increase of 2%.

 Solution PPO Plans:

  • Solution 2500 and 3500 PPO will receive an average increase of 5%.
  • Solution 5000 will receive an average increase of 4%.  

Elements Plans:

  • Elements Hospital/Hospital Plus and Hospital Preferred will receive an average increase of 5%. 

EPO Plans:

  • EPO plans will receive an average increase of 5%. 

EmployeeElect Lumenos HIA+ Plans will receive an average increase of 5%.

  • Lumenos HIA+ 750 and Lumenos HIA+ 500 will receive an average increase of 5%. 

EmployeeElect Lumenos HSA Plans will see a new business average increase of 6.1%.

  •  Lumenos HSA 2000/3000/5000 (100/70) will receive an average increase of 8%.
  •  Lumenos HSA 1500 (80/50) will receive an average increase of 6%; Lumenos HSA 2500 (80/50) will receive an average increase of 3%; Lumenos HSA 3500 (80/50) will receive an average increase of 2%.

 EmployeeChoice plans will see a new business average increase of 7%. 

 BeneFits plans will  see a new business average increase of 4.7%.

Specialty April 2010 Rate Announcement

Anthem Blue Cross is lowering the rates on some of their most popular Dental Blue plans effective 4/1/10. 

  • 10% reduction on Dental Blue Silver 100-80
  • 11% reduction on Dental Blue Silver Plus 100-80
  • 5% reduction on Dental Blue Gold 100-80
  • 8.5% reduction on Dental Blue Gold Plus 100-80 

The Dental Blue Gold Plus 100-80 plan was their #1 selling Dental Blue plan in 2009. 

There will be a slight increase to the Dental Blue Platinum rates effective 4/1/10: 

  • 2.5% increase on Dental Blue Platinum 100-80
  • 5.6% increase on Dental Blue Platinum Plus 100-80

 There will be no changes to rates for their other dental plans on 4/1/10. 

Benefit change:

There is one benefit change for all Dental Blue members. Effective 4/1/10, pregnant women and diabetics will have access to a third cleaning per calendar year as deemed necessary by their dentist. The cleaning will not count towards their annual maximum benefit. 

This document is not intended to be authoritative, and its accuracy is not guaranteed. It is believed to be correct at the time of its printing. Any questions about official interpretations of the law should be directed to legal counsel.

Anthem Blue Cross of California – July 2010 Small Group Rate Action

Anthem Blue Cross Small Group has announced their July 2010 medical rate action. The good news is that the total average quarterly increase is a modest 1.9% with no reduction in benefits. Below are the average medical rate adjustments effective July 1, 2010.    

  • EmployeeElect PPO plans will see a new business average increase of 1.4%
  • EmployeeElect HMO plans will see a new business average increase of 1.1% 
  • EmployeeElect CDHP plans will see a new business average increase of  5.2% 
  • EmployeeChoice plans will see an average new business increase of 3.5% 
  • BeneFits plans will see an average new business increase of 3.5%

 July – September Renewal Increases  

The July through September renewal increases will vary greatly due to the rating changes Anthem Blue Cross has gone through in the past year. There has been a large variance by product and region, however, the average annual renewal increase for groups renewing during these three months is approximately 10%.

 Ancillary product changes  

Dental:

Small Group dental rates will have no rate increases with the exception of the Indian Tribes who will receive a 5% trend increase affecting approximately 1,000 members.

 Vision:

The Blue View Vision and Vision Plus plans will be receiving either a rate pass or a $1.00 increase depending on the rating tier of each plan.   

 Vision benefit enhancements include: 

  • Transition lens coverage for both children and adults. Children under age 19 may purchase transition lenses at no copay and adults may purchase them for a $75 copay
  • Factory scratch coating on eyeglass lenses will now be standard coverage
  • Tiered pricing for progressive lenses and anti-reflective coatings

 Life:

There will be no Life rate increases.

This document is not intended to be authoritative, and its accuracy is not guaranteed. It is believed to be correct at the time of its printing. Any questions about official interpretations of the law should be directed to legal counsel.

Anthem Blue Cross of California 7/1/2010 51-99 Rate Action

After a full year of either new business rate passes or moderate increases, Anthem Blue Cross announced another moderate medical rate increase for July 1, 2010 new business rates. We are excited about the consistency of their pricing changes!
 

Check out the 7/1/2010 rate guide now:
NEW 51-99 EmployeeElect Rate Guide