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Showing posts from November, 2010

PCIP Premium Decrease (HHS)

According to recent press, the federal government has indicated that it plans to decrease the premiums for the federal PCIP (temporary risk pools) by 20% in order to encourage greater enrollments.

Apparently enrollment in the new PCIP has been lackluster at best.

I do not yet know if the decrease will be applied to the CA PCIP as it is being run by the state (MRMIB) and not a direct federal risk pool.

Unless the government can find more $$$ to pump into the pools, this is going to likely create a reduced number of enrollment slots meaning less people will be able to be covered at the lower premium.

California's PCIP is scheduled to hold an average of 23,100 people at any given time with a possible increase in two years if scheduled federal funding is available. Obviously a 20% premium decrease under existing funding ($761MM) would likely lower the number of subscribers by that same percentage.

Health Net CA Blackout Coming Up

Health Net of California has announced a blackout for individual & family coverage plans (IFP) in a couple of weeks. The blackout will be lifted when the new PPACA-compliant plans are approved and available for January 1, 2011.

The blackout will occur on November 18th (online quoting), and the last day to submit applications for December 1, 2010 start dates will be November 22nd. Any applications received after 11/22 will not be processed.

Any application submitted on or before 11/22 that is not approved and enrolled by 12/10/10 will be cancelled and returned to the applicant.

Health Net CA will advise agents as to the progress of the PPACA-compliant plans and at what point applications and online quoting will be made available after the blackout.

This blackout does not effect HIPAA plans, only underwritten coverage plans.

Congratulations Rick Bronstein!

Rick Bronstein, a fellow agent and friend, ran for the office of CA Insurance Commissioner in the 2010 election.

Rick placed third in the race and garnered almost 300,000 votes. Not to shabby for a 3rd party candidate with no corporate backing nor war chest.

Congratulations, Rick. You certainly made them take notice. Now, get back to work LOL!

Anthem Blue Cross CA Update

Just wanted to update on my suspending sales with Anthem Blue Cross CA.

I have spoken with Anthem concerning my issues with their processes and am supposed to be receiving some correspondence from "on high" regarding my issues and concerns. As of today I have not yet received anything from Anthem in this regard. I understand the correspondence has to be cleared by the legal department due to technical nature (I am sure it's HIPAA-related).

I am willing to work with Anthem Blue Cross to resolve these concerns and to assist people in buying both guaranteed-issue HIPAA coverage and underwritten coverage (one the plans are actually available -- they are still blacked out pending DOI approvals).

In the meantime, I am continuing with Anthem Blue Cross small group products as they are a good carrier for the types of groups with which I specialize (spousal/family).

I just wanted to update and let you all know where things stand.