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Broker News | September 2015 | Vol. 10 No. 8
Broker News | September 2015 | Vol. 10 No. 8

Early Renewals for Groups Impacted by the Expansion of Community Rating

Before open enrollment begins, we want to provide you with some information specific to early renewals for groups that may be impacted by the expansion of community rating.

For groups impacted by the mandate, we are making slight modifications to our mid-year benefit change policies:

  1. Groups that are currently experience rated, have 51 - 100 full time equivalent employees, and are scheduled to renew on or after January 1, 2016 will be allowed to request a 12 month contract for an experience rated plan running from December 1, 2015 through November 30, 2016. All member benefit accumulators would reset on December 1, 2015 as result of this change.
  2. Groups that are currently experience rated, have 51 - 100 full time equivalent employees, and are scheduled to renew after January 2016 will be allowed to move to a community rated product effective January 1, 2016 regardless of their currently scheduled renewal date. All member benefit accumulators would reset on January 1, 2016. As result of this change and full underwriting paperwork will be required.
  3. Groups that are currently community rated, have 100 or fewer full time equivalent employees, and are scheduled to renew in January 2016 will NOT be allowed to renew in a community rated plan ahead of their scheduled renewal. This affirms our current policy of not allowing mid-year benefit changes.
  4. Exceptions will be allowed for groups that are currently community rated but have more than 100 full time equivalent employees, and therefore must move to an experience rated program upon renewal in 2016. These groups will be allowed to renew in a community rated product effective December 1, 2015 with full underwriting. All member benefit accumulators will reset December 1, 2015 as a result of this change.

If you have any questions, please contact your account consultant.

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