Effective January 1, 2008, Blue Cross of
Californiaís new business rates on most plans
within the EmployeeElect and BeneFits portfolios
will be reduced by five percent! Renewing groups
starting January 1, 2008, will also take
advantage of this lower renewal rate.
Please rest assured there are no medical benefit changes and this is not an early FOCAL.
Itís business as usual for the following innovative plans:
Rates for the following Blue Cross plans will
not change with January 1, 2008, effective
Health Savings Account (HSA) and Lumenos consumer-driven health plans.
PPO 3500 (HSA-compatible).
PPO 2400 (HSA-compatible).
Lumenos HSA 1500.
Lumenos HSA 3000.
Lumenos HIA Plus 3000.
Indian Tribe plans.
Please also note, rates for the EmployeeElect
portfolio for groups of 51 to 99 will remain
Lowered guaranteed RAF.
Blue Crossís lower enrollment size requirements
make it easier for more AB 1672 new groups to
qualify for a lower RAF. Health questions are
not required. Furthermore, the lowest RAF
available is .90 and RAFs are guaranteed for the
initial 12 months from the medical coverage
The following guaranteed RAF continues from August 1, 2007, through January 15, 2008, effective dates:
Groups of 8 to 12 receive a .95 RAF.
Groups of 13 to 50 receive a .90 RAF.
New Dental Blue 100-80 plans offer more.
Blue Cross is introducing six new dental plans.
They mirror the current Dental Blue 100 Metallic
plans, but offer 80 percent out-of-network
reimbursement. They also offer all the same
benefits as the existing dental plans, but with
added perks such as:
Higher out-of-network reimbursements (on par with the original Metallic plans).
Negotiated rates for non-covered services obtained in-network.
Negotiated discounts after calendar year maximum is reached.
The new Dental Blue may just be the alternative your clients are looking for to offset the January 1, 2008, Dental rate action.
Our take on Jan 2008 Rate roll-back
This is great news for two reasons. First, Blue
Cross tends to be the first California health
carrier to market with changes whether it's
required changes in benefits or introduction of
new technology and options. The fact that they
are reducing rates mid-year is ultimately good
for the California Small Group market. It means
that competitive forces in the market are
requiring them to reduce rates to compete with
other health carriers in the market or that the
increase in medical costs on the claims side has
slowed more than they expected. They typically
have a rate increase May 1st so a mid-year
change like this is good news. They do not want
to wait till next May to start these changes.
Either way, it's good news. We can only hope it
continues going forward in the California health
As for the Dental Blue suite of plans, this is
Cross' expansion of their dental networks to
better compete with the Delta's of the world.
This is an important step for them in offering a
complete package to California small business
for health, dental, and life insurance.
Again, there is absolutely no cost to you for our services. Call 800-320-6269 Today!
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