Carriers

Aetna

Click here to view this carrier’s COVID-19 website

BlueChoice HealthPlan

BlueChoice HealthPlan’s COVID-19 website

  • Order your BlueChoice marketing material from the Storefront
    • Make sure you are prepared to sell BlueChoice plans by ordering marketing material from the Storefront. While you’re there, be sure to check out the new 2021 Blue Option and BusinessADVANTAGE materials!

Allsavers

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Allstate

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Cigna+Oscar

TN and GA:

  • Be on the lookout for upcoming invites for their fall broker webinars. Cigna+Oscar is excited to share their new plans for 2022.  You can also register here!

Companion Life

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Guardian

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ANCILLARY RATE HOLDS GO INTO EFFECT

At Guardian, their customers are their top priority. Guardian continues to monitor the coronavirus (COVID‐19) pandemic and are sharing information to help support your Guardian benefit programs. They have discussed rate renewals during the current business disruption period with many customers, and are pleased to announce our plan renewal approach in the immediate term.

Employer Groups with Less Than 500 Employees , Guardian will retain rates (no rate change) on all renewals for May 1, 2020 through August 31, 2020 plan anniversary dates.

Click here for more details.

April 6, 2020

Guardian will retain rates (no rate change) on all renewals for May 1, 2020 through August 31, 2020 plan anniversary dates for groups under 500 lives. Click here for more details.

March 2020

Guardian will extend an additional 30 days to the grace period of any group struggling to pay their premium based on Covid-19. Guardian has also launched a site referenced below pertaining to their Group and Voluntary products related to COVID19 benefits.

Humana

  • Temporary ID Cards for LMG
    • The Launch My Group post-submission member status screen will now provide frequently requested member information and temporary ID cards! This information will be available for new business from the time of enrollment through the first 30 days of the group’s active coverage.
  • Don’t Miss Out! Enroll New LFP Groups, Get Admin Fee Credit!
    • Write new Level Funded Premium (LFP) groups with September 1 through December 1, 2021, effective dates.
    • Enroll via Launch My Group.
    • Earn a $300 per subscriber administrative fee credit.
  • Learn about Humana’s Community Rated Portfolio for 2022
    • Their 2022 Community Rated (CR) portfolio will go live for quoting on October 1, 2021 with a January 1, 2022 effective date. Some states may be eligible for early quoting as state approvals are received.
    • CR for 2022 will offer choices with competitive differentiation and price points without unnecessary confusion or administrative costs.
    • What’s new for CR 2022 portfolio?
      • ACA allowable MOOP of $8,700
      • Ultra-lean option
      • On Hand copay: new plan design!
        • Pharmacy – Rx5 Blended
        • Copays offered on select services
      • On Hand FL, GA, KS, MO, TX: richer options $4,500 and $6,500 DED/OOP and leanest option of $8,700 DED/OOP
      • Rx5 Blended benefit design on select Canopy (FL, GA, MO, KS, TX) and Copay plans (GA, MO, KS)
      • No additional reductions will occur in 2022 in MI and UT
  • Humana’s 2021 Humana Producer Guide is available to download, click here >>> Humana Producer Guide. This great resource is full of very useful information on doing business day-to-day with Humana.  It covers everything from quoting through installation, including HRAE underwriting and Launch My Group tool.

Kansas City Life

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Principal

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Sun Life

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  • Get more with Sun Life’s Hospital Indemnity plan
    • Sun Life has expanded their Hospital Indemnity product to include even more features and benefits! Their plan still includes all the basics that are essential for coverage, but you now have the option to add on the following:
      • More coverage for pregnancy and childbirth – plans can now include routine well baby nursery care
      • More benefit options that cover a broader range of a hospital experience like intermediate step-down unit stays, inpatient surgery and emergency room treatment
      • More flexibility in high/low plan options for employee choice
      • More first day benefits
      • More benefits that can be paid on the same day

      Watch this short video to learn more about their expanded Hospital Indemnity plan. And, for even more details, check out their new brochure.

UnitedHealthCare

Click here to view this carrier’s COVID-19 website

  • North Carolina – Small Group Fully Insured Commission Update
    • New base commission rate schedule for fully insured small medical groups up to 50 eligible in North Carolina with effective dates on or after October 1, 2021.
    • This new commission schedule is effective for new fully insured medical groups with up to 50 eligible employees in North Carolina with effective dates on or after October 1, 2021, and existing fully insured medical groups with up to 50 eligible employees in North Carolina on their first renewal on or after October 1, 2021.
    • Click here for more information.

Unum

Click here to view this carrier’s COVID-19 website

  • Unum’s Enhanced Supplemental Health Offering:
    • Unum’s supplemental health offering includes Accident, Critical Illness, & Hospital coverage. Health plans and disability insurance help employees in times of need, but this coverage may have gaps that lead to out-of-pocket expenses. Unum’s supplemental health benefits add financial protection for employees in the event of a serious health issue. The following enhancements are included in Unum’s offering:
      • Accident, Critical Illness, & Hospital:
        • Enhanced Be Well benefit: includes all existing screenings, annual exams by a physician (dental & vision visits qualify), child physicals, well baby visits, and immunizations
        • No cap in the number of child claims (3 children with 3 wellness claims = $150 payout)
      • Critical Illness:
        • New covered conditions: Dementia (including Alzheimer’s), ALS, Functional Loss (version of LTC rider), Multiple Sclerosis, Parkinson’s, Infectious Diseases, and minor coronary artery disease are covered at 100%
        • Enhanced Cancer Coverage: Unum treats all stages of Breast Cancer as Invasive, resulting in a 100% benefit.
        • Recurrence Benefit: Paid at 100% with 6 month separation
      • Accident:
        • New covered benefits: x-ray, prescription drug, short stay hospitalization, knee cartilage (meniscus) injury, ruptured/herniated disc injury, injection benefit for tetanus, rabies, antivenom, dental filling/chip repair, general anesthesia, transfusion, and internal injuries
      • Hospital:
        • New benefits that are considered HSA-compatible: rehab unit, substance abuse facility, mental/nervous facility, lodging, and short stay