2-50: Aetna Extends RAF Guarantee through 2011

Jun 15, 2011

RAF Promotion EXTENDED through December 31st, 2011

(Based on number of enrolling employees)

Group size 2 - 4:	Automatic 1.10
Group size 5 - 9:	Enrolling employees will be medically underwritten to determine their RAF
Group size 10+:	Maximum .90 RAF if groups meet program rules & eligibility

Please review our updated RAF promotion and guidelines below:

Groups applying for the guaranteed RAF must be AB1672 eligible and have a current RAF of 1.06 or less with their current carrier.
Groups that received a 10-point increase in their RAF are ineligible.
COBRA/CalCOBRA enrollees do not count toward the enrolled employee counts.
Groups with 30% or more of COBRA/CalCOBRA enrollees are excluded from the RAF promo.
Groups coming from CaliforniaChoice, Contractor’s Choice, HSA California, Kaiser Permanente Choice Solution, or groups that have withdrawn from Aetna within 12 months of the requested date are not eligible.
Groups coming from a large group contract that are AB1672 eligible are eligible if they can provide a large group renewal of less than a 20% increase within 90 days of their requested effective date.
Carve out groups (management/non-management, union/non-union) are not eligible for RAF promotions.
Groups must submit a copy of both their current and last year’s renewal or their issued RAF at new business.
Groups must apply for the RAF promotion prior to final underwriting approval.
Employers funding a portion of the employee’s deductible, copayment/coinsurance will only be eligible for Aetna’s RAF promotion when using Aetna HealthFund HRA. (Please note: HSA plans are eligible for RAF promo when funding is through a federally qualified HSA).
Groups coming off a PEO arrangement are not eligible.