What's Not Changing?

• Annual Deductibles
• Copayment/Coinsurance
• Out-of-Pocket maximums
• Pharmacy Copayments

What's Changing?

• Rates are changing on all small Group Medical and dental plans
• Medical Risk Adjustment Factors (RAF's) are changing for some groups (not to exceed +/- 10%). However, there are more RAF reductions than increases.
• How we communicate with agents and groups

What’s Added:

• New medical plans for EmployeeElect and BeneFits
• New Dental Blue offerings to groups
• Renewing medical groups may qualify for 1% savings on medical premium when adding 25K or more of Life coverage

Who is Affected?

• Focal Renewal Cycle Groups on 5/1/07 (original effective dates prior to 12/1/03)
• Anniversary Renewal cycle Groups on their next 12-month anniversary dates on or after 5/1/07 (original effective dates 12/1/03 or after)

Agents and employers will be notified as follows:

Focal Groups:	Agent Mailings begins: March 1 Employer Mailings begins: March 19
Anniversary Groups:	Agent Mailings: 45 days prior to effective date
	Employer Mailings: 30 days prior to effective date

Downloadable References:

The following resources are available to download for your use:

• Small Group Rates
  • EmployeeElect
  • EmployeeChoice
  • BeneFits

• Rate Guides:
  • EmployeeElect - New Version 3/5
  • EmployeeChoice - New Version 3/5
  • BeneFits

• Informational Brochures
  • Lumenos Flyer
  • GenRx $45 Flyer
  • EmployeeElect You Choose
  • EmployeeChoice You Choose
  • BeneFits You Choose

• Summary of Features – As of May 1, 2007
  • Lumenos HSA Compatible 1500
  • Lumenos HSA Compatible 3000
  • Lumenos HIA Plus 3000
  • PPO $45 GenRx Copay

• Specialty Plans and Discounts
  • Add Dental, Vision and Life
  • Dental Blue Flyer
  • Dental Blue Benefits
  • Dental Blue Rates - New 3/5
  • Small Group Dental Matrix
  • Life Flyer

• Options/How to Make Changes Resources
  • Options: Employer Contributions, Workers’ Comp and Premium Only Plan (P.O.P.)
  • How to Request Changes
  • Plan Change Request Forms:
    • For groups that offer all plans on EmployeeElect (Medical - All Plans)
    • For groups that offer all plans on EmployeeElect single or designated plan
    • For groups that offer EmployeeChoice (Medical Echoice)
    • For Standard Dental Plans
    • Request a new Dental Blue Plan
  • Lumenos HSA Opt-In/Opt-Out Postcard – For New Lumenos HSA Plans Only

• Annual Notices
  • HIPAA Notice of Privacy Practices
  • Grievance Procedure
  • Women’s Health and Cancer Rights Act of 1998
  • Medicare Part D Notice

• Employer Letters
  • EmployeeElect/EmployeeChoice
  • BeneFits