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May 2005

NEW PRODUCT from 5Star Life!
Now we can offer group life benefits for groups starting at three (3) lives. Maximum Guaranteed Issue limit will be $50,000 per person. Group census required for quoting.

Also, offer voluntary individual term life up to $100,000. Simplified Issue underwriting. Level premiums and benefits to Age 100.

Employee Manual
The Employee Manual is the Employers’ first defense against costly lawsuits from employees. Offer your clients our custom made Employee Manual which outlines an Employer’s policies toward his/her employees. For more information, please contact our Sales Department.



PacifiCare Small Group
Renewal changes for the 5/1 CARA-1 focal renewal have been completed. Please be advised anyone requesting a plan change will receive new ID cards within the next three weeks.

For CARA-2 (new and renewal cases), effective 7/1/05, rates and benefits will be changing. We will have more on the changes in next month’s News Update.

Please note: Effective immediately, SDHP plans are no longer available to CARA-1 and CGA groups, except CARA-2 groups.
PacifiCare Individual & Family Plans
Effective 5/1/05, IFP rates have changes and two new plan designs have been added as HSA-Compatible plans:
1. HDHP 35/80-50/2700
2. HDHP 100-50/1000

Look for more updates in next month’s News Update.

Health Net Small Group
RAF Program Revisions effective 5/1/05.
Here is the complete RAF structure.
Groups of:
• 2 to 5 start a 1.10
• 6 to 9 start 0.90, based on employees’ Individual Health Questionnaire
• 10 to 14 start a 0.90, based on employers’ group-level Health Questionnaire
• 15+ is guaranteed at 1.00 OR employers may complete a group-level Health Questionnaire for a 0.90

Rate Reductions, effective 6/1/05, for the following plans:
• EOA 25
• Silver Network plans: HMO 20 & HMO 40
• HMO 40
• All other plan rates remain the same

Health Net Individual & Family Plans
Final Reminder! Effective 7/1/05, first month’s premium is required to be submitted with ALL Enrollment Applications. If it is not remitted, then the application will be held up for approval until it is received.

New Product!

SimpleChoice PPO plans will be launched on 7/1/05. These plans are created to be easy to explain, understand, and sell. Look for more details in our next month’s News Update.

Effective 7/1/05, your clients will receive a rate increase on their existing plan. An Important Notice will be sent to your clients by Health Net.