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October 2005

PacifiCare CGA groups are renewing on December 1, 2005. Renewal information kit will be going out next week.


Blue Shield Individual and Family Plans
Effective December 31, 2005, the IFP Active Choice Plan 600 will be withdrawn from the market. All current IFP Active Choice 600 members will be offered the opportunity to transfer to any openly marketed IFP plan of their choice without going through medical underwriting. Blue Shield will be sending out reminder notifications to current members. We encourage agents to contact their clients and assist them through the transition process to procure new coverage.

MMWI Employee Manual and Maintenance Program
*Stepped up enforcement of sexual harassment laws can devastate any employer who does not have a written policy in place.
*HIPAA now requires additional guidelines.
*Wrongful termination suits are also increasing.
*Recommend that your clients have their current employee manual checked for accuracy and if they have no manual, recommend the MMWI program.

Allstate Workplace / Accident-Disability Plan
*Disability benefits up to $1,800 per month
*3 days wait for Accidents / 7 days wait for Sickness
*Simplified issue - no blood or urine testing
*Available at 1 enrollment
*Single rate tier for all ages 18 to 64

Allstate Workplace / Critical Illness Plan
*Benefits from $5,000 to $100,000 with Lump Sum benefit payment
*Simplified issue – no blood or urine testing
*Cancer benefit option available
*Guaranteed renewable for life

5Star Life / Group Life & Voluntary Term Life
*Group life benefits for companies of 3 or more employees
*Guaranteed issue limit - $50,000
*Voluntary term life plans for as little as $4.00 weekly
*Simplified issue – no blood or urine testing

Health Net Individual & Family Plans
*SimpleChoice plan series offer low cost deductible plans with 100% coinsurance
*Ask about the current bonus program - $65 per case
*Ask about the additional AIS bonus program
*Ask about the AIS “fast pass” underwriting program

AIS Website Program
*Lowest price point around
*Create your own web identity
*Resale opportunities – Keep close to your clients and create new prospects
*Special pricing – call for details

CONEXIS / COBRA Administration
*Employers can now transfer their COBRA administrative problems to a professional TPA and dramatically reduce their exposure to law suits, penalties and fees.
*Low set up fee of $300.00 (one-time)
*$1.00 per participant, per month

CONEXIS / FSA Benefits
*Offer employees qualified pre-tax benefits for health care, dependent care, and employee paid premiums.
*Low set up fee of $300.00 (one-time)
*$5.95 monthly participant fee
*Services include a debit card

MWG / United HealthCare Dental
*For groups of 2 or more employees
*Employer paid or voluntary rates
*Low cost Basic Plan for preventive care only available
*85th percentile of UCR
*Call for quotes

Security Life / APEX Dental Plans
*Employer paid plans for groups of 2 or more.
*Voluntary plans starting at 1 enrollment
*See any dentist
*80th percentile of U.C.R.
*Individual plan also available

VSP Vision plans
*3 group plans
*1 individual plan
*Employer paid or voluntary rates
*No participation requirement
*Ask about the “second opinion” policy for AIS agents