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CA Open Enrollment Deadline Extensions December 2018

Quick update on deadline extensions announced last 24 hours.

Covered CA extends deadline for 1/1/18 start dates to December 22nd

Valley Health Plan matches Covered CA extension to December 22nd

Oscar Health has extended off exchange private market deadline to December 31 for 1/1/18 start dates.  

I will add any new announcements to this post to keep it all in one place.

Remember, California Open Enrollment goes through January 31, 2018. 

Dave
www.davefluker.com

408-847-6139
dave@davefluker.com





Recent posts

Stay Grandfathered? Anthem Blue Cross Grandfathered Plan Discontinuation Update (pt 3)

This morning Anthem sent agents the grandfathered plan change downgrade matrix for 2018. 

This shows which plans are being cancelled and which, if any, grandfathered plans those affected can move to.  If they wish to remain grandfathered.

Some plans have grandfathered options, some have no options.  If there are no options to move to another grandfathered plan AND you live in an area where Anthem is no longer selling ACA plans, you will have to change to another insurance company for 2018.  Remember Anthem is only selling ACA plans in areas 1, 7 & 10 in 2018.

Agents are ready to help you with your 2018 health insurance options.  Call your agent, call me, heck, call trump if you want to 😉  Plans scheduled for discontinuation will end on 2/28/2018.  Last date to enroll in a new ACA plan is January 31 however to start 2/1 enrollment needs to be completed by January 15th.

Dave
www.davefluker.com
408-847-6139





Anthem Blue Cross Errors with Grandfathered Discontinuation Notices

Was hoping Part I would be enough.  This may be a multi-part series 😕

California subscribers may have received a letter early in December indicating that their grandfathered Anthem health insurance plan was being cancelled 2/28/18.  Apparently some letters were sent in error and those plans are, in fact, not being cancelled.

Correction letters were supposedly sent out 12/8 to notify those subscribers of the error.  So be on the lookout if you received a cancellation letter regarding your grandfathered Anthem health plan.

As of today, the only plan I know is being cancelled is the Clear Protection 5000.  Some HIPAA plans may also be cancelled.  

Anthem is not releasing any information to agents about which plans are being discontinued nor which clients are affected.  Nice 🙄

If you have received a cancellation notice and not the subsequent "we goofed" letter, please comment on which plan you are on.  Maybe we can figure out the super secret list of plans.  

Dave
www.davefluker.com

d…

Wells Fargo Facing Insurance License Suspension or Revocation

The California Department of Insurance and Insurance Commissioner Dave Jones announced this morning that the department is seeking to suspend or revoke Wells Fargo's insurance licenses.

Department alleges Wells Fargo signed up 1,500 consumers for insurance without their consent
Department of Insurance seeking to suspend or revoke its licenses for alleged improper insurance sales practices related to the company's online insurance referral program, which resulted in insurance products being purchased and paid for by consumers without their knowledge. 
Read the Dept of Insurance Accusation

Read the Dept of Insurance Investigation



Dave
www.davefluker.com

408-847-6139
dave@davefluker.com




CVS To Acquire Aetna For $69B

Drug Store chain operator CVS Health Corp. has agreed to acquire Aetna for $69 Billion.  

This year’s largest corporate acquisition will combine one of the nation’s largest pharmacy benefits managers (PBMs) and pharmacy operators with one of its oldest health insurers, whose national business ranges from employer healthcare to government plans.
 This merger may signal a change in the delivery of certain healthcare services.

CVS plans to use its low-cost clinics to provide medical services to Aetna’s roughly 23 million medical members. In addition to health clinics and medical equipment, CVS could provide assistance with vision, hearing and nutrition.
The merger still needs approval as similar mergers between Aetna & Humana as well as Anthem & Cigna were denied last year.  However, in those cases both parties were health insurance carriers, not pharmacy benefit management.

Read the full article on Reuters




Dave
www.davefuker.com

408-847-6139
dave@davefluker.com



Anthem Blue Cross CA Medicare Supplement Rate Changes for March 2018

Anthem Blue Cross has announced a March 1, 2018 rate change for California Medicare Supplements.  This applies to Pre Standardized, 1992 Standardized and 2010 Modernized Medicare Supplements..



2010 Modernized
Plan A 0.0% Plan F 3.4% Plan N 0.0% Plan High F (Closed) 0.0% Plan G 0.0% Mod Disabled 5.8%
1992 Standardized
Plan A 1.5% Plan C 1.9% Plan F 1.4% Plan I 1.7% Plan J 2.5% SmartChoice 9.9% SmartChoice Preferred 9.9%
Pre-Standardized
ClaimFree Companion Care 0.0% ClaimFree Prudent Buyer 0.0% ClaimFree Prudent Buyer Platinum 3.0% ClaimFree Std Plan A 0.0% ClaimFree UltraCare 0.0% ClaimFree UltraCare Plus $10K 0.0% ClaimFree UltraCare Plus $25K

Anthem Discontinuing Individual Grandfathered Health Plans Early 2018

Anthem Blue Cross California notified agents this morning that they intend to discontinue 200 individual & family grandfathered health insurance contracts effective 2/28/18.

Grandfathered plans are those health insurance plan purchased prior to 2010 and still in force.

To reduce the administrative burden of maintaining multiple products/contracts, we will be discontinuing about 200 grandfathered plans/contracts, many of which only have a few members. This change will impact around 14,000 members and some of these members may have other Anthem options to replace their plans.

As of today, the specific products and contracts are unknown.  I was told we should expect more information by mid-December.  

For those on grandfathered plans, be aware that Anthem is only selling individual health insurance (EPO) in areas 1, 7 and 10 (Santa Clara County, Stockton area and northern Counties).  Those in other rating areas will need to change insurers and find new coverage (and move to ObamaCare).

I …