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Blue Cross Enrollment for Employees Who Previously Waived Coverage

3/24/2020

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Blue Cross Enrollment for Employees Who Previously Waived Coverage

Blue Cross will allow a medical, dental and vision group special enrollment period (SEP) for fully insured and small business funding groups choosing to participate. This SEP event is in light of the COVID-19 pandemic and is intended to allow employees on groups to enroll that are not currently serving a group established eligibility waiting period and had previously waived group coverage.
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Here are the details:

  • The SEP will be for an April 1, 2020, effective date.
  • The enrollment period will be open for requests received between March 24, 2020 and April 3, 2020.
  • Enrollment requests must be managed through the group as the group must choose to participate (no formal notification to Blue Cross is needed) and must approve of all eligibility changes as such changes affect employer contributions, payroll deductions, etc. (payroll records are not required).
  • Employees serving the group established eligibility waiting period are not eligible to enroll. Employees that had previously waived coverage only are eligible to enroll.
  • Currently enrolled employees can use this period to add eligible dependents if desired.
  • This SEP event is open to all fully insured and SBF groups regardless of size. If the group wishes to participate, all they need to do is send in approved applications. Medical, dental and vision change cards to add dependents and/or new enrolling applications do not need the applicant’s signature. No further action is needed.
  • This SEP event does not apply to life and disability products.

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Open Enrollment Ends in 11 Days!

12/4/2019

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Just 11 days away! If you have not made your Open Enrollment appointment or finished your 2020 insurance enrollment with us, you are running out of time! 

​To help us out, please send us your best estimate for your 2020 household income so we can get updated rates to you and help you with your 2020 plan selection.
MAKE YOUR APPOINTMENT

D O   Y O U   Q U A L I F Y   F O R   A.  T A X   C R E D I T  ?
Here are a few of the rules:
  • You must file a 2020 tax return
  • You cannot be offered group health insurance through your employer or a spouse’s employer
  • If married, you must file MARRIED FILING JOINTLY
  • For your household size, you must make above the 138% income and below the 400% income shown below
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Humana Go365 Premium Discounts

7/16/2019

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​Humana's Wellness Engagement Incentive (WEI)

Humana’s Wellness Engagement Incentive (WEI) Recognition Program automatically earns premium credits for fully insured and Level Funded Premium (LFP) groups with fewer than 100 employees based on their engagement in Go365®.
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​Humana's Wellness Premium Discount (WPD)

For fully insured groups with more than 100 employees, they’re automatically eligible for Humana’s Wellness Premium Discount (WPD). Through this discount program, groups can earn up to 8% discounts on their medical renewal rates as more of their employees reach Silver, Gold, or Platinum Status in Go365.
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7% premium credit for each Silver employee

Through the WEI, these groups can earn A 7% premium credit for each employee who reaches Silver Status and a 15% premium credit for each employee who reaches Gold Status or higher. This video shows how easy it can be for employees to reach Silver Status in Go365 and start earning premium discounts.
WEI Program
WPD Program
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Learn more about Go365

Humana go365 Program
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Louisiana Insurance Commissioner Issues Cease and Desist Order to United HealthCare for Intention to Omit Producer Commissions in Louisiana

5/31/2019

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Insurance Commissioner Jim Donelon issued a cease and desist order today to United HealthCare Services, Inc. and/or UnitedHealthcare Insurance Company, its subsidiaries and affiliates (collectively hereafter referred to as “United”) for their intention to implement the removal of producer commissions from upcoming renewals of certain group health insurance products. 

“In reviewing this situation I found it necessary to order the company to stop all efforts to implement such policy and to revise all applicable schedules of commissions and relevant rate and form filings to appropriately reflect the full commission payment required by law,” Commissioner Donelon stated. “This action is meant to both protect Louisiana’s health insurance producers who are due compensation and preserve our authority in making sure insurers writing in Louisiana are in compliance with our laws.”

The Louisiana Department of Insurance (LDI) was contacted in May by numerous producers who indicated that they had been notified of United’s intention to implement a zero-dollar schedule of commissions applicable to all policies sold to groups of greater than 100 insureds with an effective date on or after September 1, 2019. Accompanying this notification was an inducement to work with United and affected insureds to negotiate a “replacement” agency fee to be paid by the insured to the producer and an offer by United to facilitate this payment.

According to insurancenewsnet.com Health Agents for America President/CEO, Ronnell Nolan said, “It’s really appalling because our members have been fighting to get paid, and that bill is important. Lowering health care costs is what we want for our clients. But our members aren’t getting commissions on the individual market and UnitedHealthcare is not even paying for groups of 50 and above. So how can anybody point the arrow toward our members and say we’re part of the problem? We’re not part of the problem. Agents have been losing money since the passage of the ACA."

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  • About Us
  • 2023 Open Enrollment
  • Our Services
    • Health >
      • Individual/Family Insurance
      • Group Insurance >
        • Employee Retention Credit
      • Short Term Insurance
      • Medi-Share Christian Ministry Sharing
      • Medicare Supplements
      • Travel Medical Insurance
      • Medical Tourism
      • Hospital Recovery Insurance
      • Accident Insurance
      • Critical Illness Insurance
    • Dental
    • Vision
    • Term Life Insurance
    • Pet Insurance
  • SCHEDULE
  • Contact
  • Blue Cross Members
  • FAQ