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2nd Quarter 2015 Rate Updates

Feb 06, 2015

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Small Group Rate Updates
Second Quarter 2015

Second quarter rate adjustments have been announced and are available for quoting. Since changes vary by carrier, plan and region, any member of your b&p Sales Team will be able to provide plan specific rate changes.

In case you want to submit new business in March to avoid an April rate increase, view the March 2015 deadlines. Information regarding each carrier's April 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 RATE ADJUSTMENTS
Aetna has announced rate adjustments for April 1, 2015 effective dates with no changes to benefits or underwritng.  All rates are available for quoting!

SMALL GROUP 1-50

  • Medical:
    • HMO Plans:
    • PPO Plans:

  • Dental: RATE PASS through April 30, 2015 
  • Life: RATE PASS
APRIL BOOK RATES
Book rates for April 2015 effective dates are provided below and are also available on the b&p website.

ANTHEM RATE ADJUSTMENTS
Anthem Blue Cross has announced average statewide rate adjustments by product for April 1, 2015 effective dates.  All rates are available for quoting!

SMALL GROUP 1-50

  • Medical (ACA Plans) 
    • HMO Plans: 3.4%
    • PPO Plans: 3.1%

  • Dental (Prime & Complete): modest rate increase
  • Dental (Legacy Plans except Dental Net): RATE PASS
  • Vision: RATE PASS
  • Life: RATE PASS
MID-MARKET 51-99

  • Medical
    • HMO Plans: 6.0%
    • PPO Plans: 6.4%
  • Dental, Vision, Life: RATE PASS
APRIL BOOK RATES 
Book rates for April 2015 effective dates are provided below and are also available on the b&p website.

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.

CALIFORNIACHOICE ADJUSTMENTS
California Choice has announced rate adjustments for April 1, 2015 effective dates with minor benefit changes for Western Health Advantage (WHA) plans. All rates are available for quoting!

MEDICAL
CaliforniaChoice received a RATE PASS from Kaiser Permanente and Sharp Health Plan. In addition, WHA will add seven new plans effective April 1, 2015, increasing their plan offerings to 15!

NEW WHA PLANS
  • Platinum HMO B
  • Gold HMO B
  • Silver HMO B
  • Bronze HMO B
  • Silver HMO C (HSA Qualified)
  • Bronze HMO C (HSA Qualified)
  • Bronze HMO D (HSA Qualified)

ANCILLARY

California Choice has issued a RATE PASS for their ancillary offerings with no changes to benefits or underwriting. 

 

APRIL BOOK RATES 
Book rates for April 2015 effective dates are provided below and are also available on the b&p website.

DELTA DENTAL ADJUSTMENTS
Delta Dental announced a RATE PASS for January 1, 2015 through December 31, 2015 effective dates. All rates are available for quoting!

JANUARY 2015 BOOK RATES 
Book rates for April 2015 effective dates are provided below and are also available on the b&p website.

HEALTH NET ADJUSTMENTS
Health Net has announced average statewide rate increases by product for April 1, 2015 effective dates with no changes to benefits or underwriting. All rates are available for quoting!

MEDICAL

Based on our evaluation of specific Health Net's Small Group products, rate adjustments from January 1, 2015 to April 1, 2015 increase for all rating areas by product are as follows:
  • WholeCare HMO: approximately 1.95%
  • PPO: approximately 2.49%
  • EPO: approximately 1.97%

ANCILLARY

Health Net has announced a RATE PASS for Dental, Vision, Acupuncture, Chiropractic, and Life plans.

 

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

UNITEDHEALTHCARE ADJUSTMENTS
UnitedHealthcare has announced rate increases for April 1, 2015 effective dates with no changes to benefits or underwriting.

MEDICAL
  • HMO: 1.6% average statewide rate increase
  • PPO: 1.1% rate increase in Northern California
  • PPO: 3.5% rate increase in Southern California
APRIL BOOK RATES 
Book rates for April 2015 effective dates are not yet available. Once they become available, you can access them on the b&p website.

DISCONTINUED PLANS
Effective April 1, 2015 the plans below will no longer be available for new business.
  • Select Plus PPO 15/750/20% Gold (7V-L)
  • Select Plus HSA 1500/20% Silver (GN-4)
  • Select Plus HSA 5000/20% Bronze (GN-7)
They will be available for April and May renewing groups. June renewing groups going forward will be auto-mapped to new plans.

VSP ADJUSTMENTS
VSP has announced a rate adjustments for heir Vision plans for January 1, 2015 through December 31, 2015 effective dates with no changes to benefits or underwriting. All rates are available for quoting!

MEDICAL
  • Choice Plans: 3.0%
  • Signature Plans: 3.0%
JANUARY 2015 BOOK RATES 

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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