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Aetna Extends RAF Promo through June 2012

Nov 15, 2011

RAF Promotion EXTENDED through June 30, 2012


Please review 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.

•Effective 2/1/12, groups are eligible for the RAF promotion either two months (60 days) before or two months (60 days) after 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from CaliforniaChoice, Contractor’s Choice, HSA California, Kaiser Permanente Choice Solution, or groups that have withdrawn from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).

• Groups coming off a PEO arrangement are not eligible.

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