Individual & Family
Group health
Medicare Supplement

Best rates GUARANTEED

Free Assistance 800-320-6269

California health insurance  -   Group health Insurance  -   Early Anniversary

Early Anniversary for California Group Health

Quick tips on the Anthem Blue Cross of California Clear Protection PPO Plan
Clear Protection Plans in California Carriers are announcing early 2013 group early renewals (detail below)
Anthem Blue Cross Clear Protection 3300 "Early Renewal" may save you $1000's in 2014 (detail below)
Clear Protection 3300 Expect most carrier to follow suit or lose the business
Clear Protection 3300 For companies exploring health insurance, make sure to secure before 2013 year's end

With health reform being rolled out in full force now, we're starting to see some interesting reactions in the market to it.  It's akin to a game of chess where one moves spawns a whole new list of potential moves from the other side and in this case, the other side would be small business owners and California health insurance carriers.  The State department in charge of ACA (Affordable Care Act) implementation made the first move a few weeks back when the stated that existing members on individual or group plans will roll over to the new Exchange plans on their anniversary month.  That was the first move and we have since received notifications from major carriers of their response.  There's a way for California companies to save a lot of money during 2014.  Let's take a look at what your move might be.

So what is the anniversary month?

For group health plans in California, anniversary month is the month in which the plan originally started.  For example, if the original start date for the group plan (not an individual employee) was April 1st, April would be the anniversary month going forward.   An actual employee's effective original effective date doesn't affect this.  In California, this is the month when company's can change coverage, add dependents, and make other changes for the company's health plan.  So what does this anniversary month for California companies have to do with Health Reform?

The State piggybacks anniversary months for Health Reform roll over

Any new groups signing for group health benefits Jan 1st, 2014 or after will automatically have only the Exchange (or their non-Exchange counterpart) plans to choose from.  What about existing groups and members?  The new Exchange plans are expected to be more expensive although not as high as the individual/family market.  It's actually a good move since having all existing group plans switching over Jan 1st would be a nightmare for the carriers, the Exchange, brokers, and companies.  It's going to be tricky enough already!  To wrap up, an existing group health plan will roll to one of the Health Reform plans on their anniversary date.  This is where it gets interesting.

The first carrier notifies of early renewal

Everyone in the industry is expecting rates to go up at between 15-30% on the group health market in California mostly due to plan designs since we already have guaranteed issue, maternity, mental health parity, etc.  The new plans will be richer and more expensive on average.  One of the major carriers realized this and announced that they will allow existing group health plans to have an early renewal of 12/1/2013 regardless of when their standard month was.  This will essentially allow those group plans to stay on their old plans (and more importantly, rates) until 12/1/2014 and avoid 11 months of higher rates.  The carrier realized that if they did not do this, many those companies (at least those with savvy brokers...hmmm hmmm) would simply switch to another carrier effective 12/1 and get the same result.  Another major carrier has followed suit and you really can't be the last one standing so they will all likely do the same.  It's being called the Health Reform Pump Fake or Health Insurance Pump Fake.  If your group health agent hasn't explained this option to you, we're happy to help.  Information is power and in this case, it's quite a bit money as well.  

Carrier Deadlines (as they are made public)
Kaiser:  August 30st, 2013 form download for intent to early renew (fax or email to us)
United:   (verifying)
Aetna:  45 days prior to requested renewal date
Anthem Blue Cross:  Nov 15th, 2013; form download  (fax or email to us)
Blue Shield of California:  revised Oct 14th, 2013; form download  (fax or email to us)
Health Net of California:
Contact us for early renewal form, processing, and details.

 

 

You can run your California Group Health Benefits Quote to view rates and plans side by side from the major carriers...Free.

Again, there is absolutely no cost to you for our services.  Call 800-320-6269 Today!

YOU MAY STILL BE
ABLE TO ENROLL

In just 15 minutes:

  • - Get the most tax credit available
  • - Find the best plan for your needs
  • - Enroll right over the phone!




Call 800-320-6269

Our Services are FREE to You!

Need Help
With Existing Account

We can help you:

  • -Get required docs to covered Ca.
  • -Make changes to income and other info
  • -Choose and finalize plan enrollment
  • -Make sure you get right tax credit
  • -Payment/membership issues with carriers

Call to Enroll over the Phone in 15 Minutes

If Your Income
Is In This Range

Current Years Estimate; All those that file together on one 1040:


Single Person: $16k - $47k
2 People $22k - $64k
3 People $27k - $80k
4 People $33k - $97k

Call 800-320-6269
Anthem Blue Cross California
Blue Shield of California under Covered California
Kaiser of California
Health Net of California
Aetna
and more
Thousands of Californians
Hundreds of California Companies
SUCCESSFULLY
ENROLLED
Thousands of Californians
Hundreds of California Companies

from SC

"My sincere thanks for making a miracle happen- 2014 health insurance !! Many thanks for your expertise and advice yesterday !!"

from SD

"Thanks again for your help - I had absolutely no idea how to get this done when I got up this morning. You've made it remarkably easier than I expected. I hope you're not stuck at the office all night..."

from KV

"Anyway, I hope you got some time off this past week! Thank you again for your help and efforts on my behalf! I was very lucky to find you."

from EK

"I thank you very much for the time that you have invested in handling everything

from SR

"I truly appreciate the quick response and will think of you in the future if I need to make any changes to my insurance plans."

from VH

"You are awesome... takes a huge worry off my back, thank you for your kind. thanks for your time and kindness. !!"

from SA

"Wow, I can't thank you guys enough for your help...I couldn't imagine trying to tackle this on my own!"

from LM

"You are my new best friend. A HUGE thank you again.

SUCCESSFULLY
ENROLLED
Find out what customers are saying about our services
About Calhealth.net

20 years of experience in the California health insurance market has taught us one thing...Competent and experienced guidance is Invaluable

We can quickly (very important) size up your health insurance needs and clearly explain the options available to you. Our focus is finding the most coverage at the best cost to you.

We are licensed Covered Ca agents with in-depth knowledge of their plans, process, and tax credits.

Call us...you will be Pleasantly Surprised.  800-320-6269

Request a 10 Minute Health Plan Check-up

We'll quickly see if you have the best priced plan available and if you qualify for a tax credit

800-320-6269
calhealth website

Our Services are FREE to You

Calhealth.net is a Goodacre Insurance Services Website

This website is owned and operated by Goodacre Insurance Services, which is solely responsible for its content. This site is not maintained by or associated with Covered California, and Covered California bears no responsibility for its content. The email address and phone numbers that appear throughout the site belong to Goodacre Insurance Services, and cannot be used to contact Covered California.