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2-50: RAF Guarantee Extended through December 2010

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AETNA July 1, 2010 through December 15, 2010 (Based on number of enrolling employees)
Group Size	RAF Promo	Medical Underwritten
		Minimum RAF	Maximum RAF
2-4	n/a	1.1	1.1
5-9	n/a	.90	1.1
10 – 14	.95	.90	1.1
15+	.92	.90	1.1
Groups are eligible for a lower RAF upon review of medical information on the application.

 

Groups must submit a copy of their 'original' current and prior renewal or their issued RAF at new business.  (Revised renewals will not be accepted)

• 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 must apply for the RAF promotion prior to final underwriting approval
• AB1672 eligible groups moving from a large group contract are eligible if the group provides a large group renewal of less than 20% increase within 90 days of their requested effective date
• Groups that received a 10-point RAF increase are ineligible
• Groups with 30% or more COBRA/Cal-COBRA enrollees are ineligible
• COBRA/Cal-COBRA enrollees do not count toward enrolled employee counts
• Groups moving from CaliforniaChoice, Contractor's Choice, HSA California, Kaiser Permanente Choice Solution and/or groups that have withdrawn from Aetna within 12 months of the requested date are ineligible
• Carve out groups (management/non-management, union/non-union) are ineligible
• 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).