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June 2005
Upcoming CARA Focal Renewal Dates
• 8/1/05 – Health Net CARA/CGA-1
• 9/1/05 – American General CARA Voluntary Dental Plan – Group # V220891
• 9/1/05 – AIG Independent Trucking Contractors Plan – Group # OCC8062916
• 9/1/05 – SmileSaver Dental Plan – Group # S01663 & S01664
Please be advised that Renewal Notice will be going out in the next couple of weeks.
New Products!
MMWI Employee Manuals Small employers need to protect their business from lawsuits. • Sexual Harassment • Wrongful Termination • HIPAA (Privacy Act) • California’s “Sue Your Boss” Law A properly designed employee manual is the employer’s first line of defense.
Allstate Disability Plan
• 3-Day elimination period for accident
• 7-Day elimination period for sickness
• Benefit period – Six months
• Up to $1,800 monthly benefit
• Premiums as low as $29.26 per month (all ages)
• Simplified underwriting
5Star Life
Group Term Life Plans
• 3 or more lives
• Guaranteed issue limits up to $50,000
Worksite Term Life Plan to Age 100
• Premiums as low as $4.00 per week
• Includes critical illness benefit
• Simplified underwriting
Health Net Small Business Group
Effective 8/1/05 (For New and Renewing Groups)
Enhanced Choice portfolio of 19 plans is now available to Groups with 6 or more enrolled employees:
• Minimum 6 enrolled employees AND minimum 75% participation
• All plans available, EXCEPT for VCP plans
• Can be written as sole carrier or alongside another carrier
• Minimum contribution $100 or 50% of lower cost plan
NEW HMO XTRA Value plans will be launched.
• Same plan designs as HMO 20 and HMO 40 with benefit adjustments
• Available throughout California
• Also available with full network or Silver Network
8/1/05 Rates are effective through October effective dates.
• Region Change: moved Stanislaus from Region 2 to Region 1
• Just a modest trend rate increase
PacifiCare Small Business
Effective 7/1/05 (For New and Renewing Groups)
• Two Usual & Customary SignatureOptions (PPO) plans will be discontinued: 10/90-70/250 and 15/90-50/250. Any groups affected by this change will automatically renew onto the SignatureOptions (PPO) 15/90-50/250 Limited Fee Schedule plan
• SignatureValue (HMO) 30-40/70 will also be discontinued and replaced with a new plan, SignatureValue (HMO) 35/600d
• BENEFITS CHANGED for PacifiCareValue (HMO) 10/500d and SignatureOptions (PPO) 70-50/2000 plans
NEW effective 7/1/05 PacifiCare Small Group Summary Matrix is available upon request.