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1st Quarter 2015 Rate Updates

Oct 23, 2014

Small Group Rate Updates 
First Quarter 2015

First quarter rate adjustments have been announced and all carriers are available for quoting. In addition to rate updates, we want to remind you that Medical rates will be based on the employer zip code starting with January 1, 2015 effective dates. 

In case you want to submit new business in December to avoid the January rate increase, view the December 2014 deadlines. Information regarding each carrier's January 2015 updates are provided below.


Rates

Rates
Aetna
Available
Delta Dental
Available
Anthem Blue Cross
Available
Kaiser Permanente
Available
Blue Shield
Available
Health Net
Available
California Choice

Available
UnitedHealthcare
Available
Choice Builder
Available
VSP
Available
AETNA ADJUSTMENTS 
Aetna announced rate adjustments for their ACA-compliant plans for January 1, 2015 effective dates with minor changes to benefits and underwriting.

PORTFOLIO CHANGES
Effective January 1, 2015 Aetna is discontinuing 2 of their plan offerings and adding 13 plans to their portfolio, 6 of which are SCCIPA ACO plans (only available in Santa Clara County).

ANCILLARY
Aetna has announced a RATE PASS for Dental and Life plans. Dental rates have been extended through January 31, 2015 and Life dates have been extended through March 31, 2015. Effective January 1, 2015, Dental rates for groups 10+ will be based upon the employer zip code.

January 2015 Book Rates
Book rates for January 2015 effective dates are also available on the b&p website.
ANTHEM ADJUSTMENTS
Anthem Blue Cross 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.

CALIFORNIACHOICE ADJUSTMENTS 

California Choice has announced rate adjustments for ACA-compliant with January 1, 2015 effective dates with minor changes to benefits and underwriting.

HEALTH NET OFFERING UPDATE
Health Net's CaliforniaChoice PPO plans for small employers are temporarily unavailable due to an issue with the forms. While they address the issue, the rest of Health Net's extensive portfolio of products are not impacted by this issue. Once the issue is resolved, Health Net will update CaliforniaChoice.

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

CHOICE BUILDER ADJUSTMENTS 
Choice Builder announced rate adjustments for Delta Dental and Ameritas for January 2015 effective dates. Other carriers in the Choice Builder offering will not experience rate or benefit changes. Updates include:
  • New rates for Delta Dental (HMO and PPO) and Ameritas
  • New Delta Dental Platinum PPO plan
    • Available to group size 2-199
    • Delta Dental Premier Network
    • Replaces current Delta Dental Platinum PPO plan
DELTA DENTAL ADJUSTMENTS 
Delta Dental announced a RATE PASS for their January 1, 2015 effective dates with changes to benefits and underwriting.

PLAN DESIGNS
Groups with 2-4 employees will have expanded access to plan designs. PPO C, a PPO plus Premier plan, will be available with a $1,000 annual maximum along with the optional D&P Maximum Waiver.

UNDERWRITING
Dual choice options are being expanded to include groups with as few as 4 employees. Minimum enrollment for dual choice option will be lowered to 4, with 2 in one plan with the balance in the other. Groups having less than 10 total primary enrollees and seeking a dual choice option, may choose from one of the 2-4 segment PPO plans, including the new plans indicated above, and one of the DeltaCare USA plans.

January 2015 Book Rates

Book rates for January 2015 effective dates are not yet available. Once they become available, you can access them on the b&p website.   

HEALTH NET ADJUSTMENTS 
Details regarding Health Net January 2015 ACA-compliant rate adjustments are pending. 

PORTFOLIO CHANGES

Effective January 1, 2015, Health Net will discontinue their current WholeCare and Salud HMO y Mas offerings and replace them with refreshed WholeCare and Salud HMO y Mas plans that offer the same quality and value as the prior versions of these plans. Groups will be asked to make an election of which plans they wish to elect for their upcoming renewal.   

 

January 2015 Book Rates

Book rates for January 2015 effective dates are not yet available. Once they become available, you can access them on the b&p website.   

UHC ADJUSTMENTS 

UnitedHealthcare announced rate adjustments for their ACA-compliant plans with January 1, 2015 effective dates with changes to benefits.

SMALL GROUP 1-50

  • HMO: 1.5% base rate increase for all counties and networks
  • PPO: 2.1% base rate increase for all counties and networks

PORTFOLIO CHANGES

Effective January 1, 2015, UnitedHealthcare will discontinue a few of their plans and replace with new offerings. UHC will also add new Rx plans and HMO Rx plan codes. Chiropractic care will now be covered under all HMO plans in the UHC Multi-Choice package and basic infertility benefit services will no longer be covered under Platinum plans, but they will be offered as an optional benefits with all HMO plans. 

 

To view all of UHC's January 1, 2015 updates, please read their 2015 Small Group Product Grid

 

January 2015 Book Rates

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

VSP ADJUSTMENTS 

VSP announced rate adjustments for their Vision plans for January 1, 2015 effective dates with minor language changes on the plan summaries.

  • Choice Plans: 3%
  • Signature Plans: 3%

PLAN SUMMARIES 

In the section that discusses brand names with an extra $20 frames allowance, Michael Kors is being removed and Anne Klein has been added (this selection will change from time to time). You will also see the term "doctor" change to "provider," and the term "affiliate providers "will become "retail chains."   

 

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. 

Sincerely,
beere&purves
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