2-50: Aetna January and February 2012 Updates

Voluntary Dental

The voluntary dental participation requirement has been changed from 25% to 30% of eligible employees effective January 1, 2012.

RAF Promotion
Aetna's RAF Guarantee has been extended through June 30, 2012.

• 2-5 enrolled = automatic 1.10 RAF
• 6-9 enrolled = .95 RAF with a renewal RAF of 1.0 or lower
• 10+ enrolled = .90 RAF with a renewal RAF of 1.06 or lower

Please review the promotion guidelines below:

• Groups with 6 - 9 enrolling must be AB1672 eligible and have a renewal RAF of 1.0 or less with their current carrier.  Groups can be medically underwritten to qualify for a RAF lower than the .95 guarantee RAF.
• Groups with 10+ enrolling must be AB1672 eligible and have a renewal RAF of 1.06 or less with their current carrier.
• Groups with 6+ enrolling that received a 10-point increase in their RAF are ineligible.
• Groups are only eligible for the RAF promotion 60 days prior to or 60 days following their renewal date.
• 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from CaliforniaChoice, Contractor’s Choice, HSA California, Kaiser Permanente Choice Solution, or groups that have withdrawn from Aetna within 12 months of the requested date are not eligible.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).