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1-99: Anthem Rate Adjustments Effective January 2015

Oct 22, 2014

ANTHEM ADJUSTMENTS

Anthem Blue Cross has announced rate adjustments for their ACA-compliant plans for January 1, 2015 effective dates with changes to benefits and underwriting.

SMALL GROUP 1-50

  • Medical (ACA Plans):
    • HMO Plans: 3.0%
    • PPO Plans: 6.1%

  • Dental (Prime & Complete): modest rate increase 
  • Dental (Legacy Plans): RATE PASS
  • VisionRATE PASS
  • Life: RATE PASS

IMPORTANT NOTE: Producer renewals will no longer be mailed. You may contact b&p for renewals or download via the Producer Toolbox.    

MID-MARKET 51-99

  • Medical:
    • HMO Plans: 6.0%
    • PPO Plans: 5.1%

  • Dental, Vision, Life: RATE PASS

1-50 RATING RULES 

  • Member level rating will be based on each family member's age and the employer zip code.
  • Rates will adjust for age at the plan's anniversary.
  • New hire rates will be based on the age that they were at the time of enrollment.

PLAN CHANGES FOR JANUARY

Anthem is making significant changes to their Medical portfolio beginning with January 1, 2015 effective dates. Plans will be discontinued, receive benefit updates and new plan names. See below for more information

Are plan names changing?
Yes! The plan names will include reference to metallic level, network name, product type, copayment or deductible, coinsurance and out-of-pocket maximums. For example, the Anthem Preferred DirectAccess (gwfa) has been renamed Anthem Gold PPO 500/20%/4500.

For a complete list of 2015 plans, view the Contract Code List or the 2015 Product Information resource.

What plans are being discontinued?
In total, 31 plans will be discontinued. Anthem has created a Discontinued Plans resource that provides a high-level, side-by-side comparison of the discontinued plan next to the most-similar plan that enrollment will be transitioned to at the group's renewal. Also read the Discontinuance Letter

Which new plans will the discontinued plans be mapped to?
Please reference Anthem's Discontinued Plans resource and Discontinuance Letter. The group must notify Anthem during their renewal if they prefer to make alternative plan selections.

What benefits will change in the remaining plans?
Benefit changes will vary by plan; however, all plans will now have Pediatric Dental and Pediatric Vision embedded with benefits applying to the Medical plan deductible and out-of-pocket maximum. All plans will also receive the LiveHealthOnline benefit. Please reference Anthem's Amended Plans resource and Amended Letter for more details.

Will enrollment forms and marketing materials change?
Yes. The enrollment forms for January 1, 2015 effective dates are now available. Contact a member of your b&p Sales Team for assistance.


What is LiveHealth Online?
It is a new communication tool that lets employees talk todoctors online by two-way video. ACA PPO members will pay a copay for the visit and ACA HMO and non-ACA members will pay $49 per visit. For more information, view the Employer Flyer or go to www.livehealthonline.com.

Will Pediatric Dental be Embedded in 2015?
Yes. Pediatric Dental benefits will be embedded in Anthem Medical plans in 2015. bpQuote has already been updated to reflect this change. See Anthem's announcement for more details.

January 2015 Book Rates

Book rates for January 2015 effective dates are also available on the b&p website.


Please ​contact any member of your b&p Sales Team for assistance with quote requests and questions regarding the details above - 888.722.3373.

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