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January 2006
Great News!!
CARA Delta Dental (Employer Paid) Plans # 464 & 465 ~ Effective Immediately!
The minimum enrollment has been lowered from 5 to 3 employees.
CARA VSP~ Effective 3/1/06
We are pleased to announce that ALL CARA VSP plans will receive a rate pass for the renewal year. Current rates will remain the same until 2/28/07.
New Products!!
CARA Accident Expense Plan
A supplemental benefit for accident claims. Low premium. No health questions. Guaranteed issue. Available for full-time and part-time employees. Great supplement to PPO plans (and HSAs).
• Up to $3,000 annual benefit for business owners
• Up to $2,500 annual benefit for employees
• $250 deductible
• $5,000 AD&D benefit included
Employee Manual and Maintenance Program ~ Costs as little as $700!
The Employee Manual is the employer’s first defense against devastating lawsuits and fines from their employees. The content is reviewed and updated each year to reflect new rulings, and all policies are checked to ensure compliance. For more information, call us.
PacifiCare Small Group ~ Effective 2/1/06
• QHDHP 80-50/2700 and SDHP 80-50/2000 plans will be added to the Choice Series.
• There will be minimal rate changes.
• Rating Area Change – Imperial County will be moving from Area 9 to Area 3.
Blue Shield Individual & Family Plans ~ Effective 2/1/06
• Rates will be increasing.
• Two new plans: Active Start Plan 25 and Access+ Value HMO
PacifiCare Individual & Family Plans ~ Effective 2/1/06
• PPO HIPAA plan rates and plan options are changing.
• New SDHP 70-50/3000 plan will replace PPO 70-50/2000 plan for new enrollees.
• Current members of PPO 70-50/2000 plan will remain as long as premiums are received.
Health Net Individual & Family Plans ~ Effective 1/1/06
• No rate increase.
• Three new NO DEDUCTIBLE PPO plans: SimpleValue 50, SimpleValue 40, and SimpleValue 30.
• Copays apply to Office Visits and Preventive Care services.