NY Office - 516-352-7000

NJ Office - 973-257-5558


Ancillary News Updates

UHC logo

UHC Dental - GOOD NEWS! We will offer a second year rate pass on new business dental in the 51-99 space for effective dates of 7-1-14 thru 12-1-14. In addition, for renewals during the same time-frame; customers will receive their needed renewal increase for 2014 and the 2015 renewal will be capped at 6%.

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Principal Financial 2014

Get a Bigger Piece of the Pie with Broker Bonus Bucks

Don’t miss your chance to earn more on cases with 10-49 eligible employees. Through the end of the year, receive $100* each time you sell a new Principal Life Insurance Company case with at least 3 lines of coverage, or renew a case with 2 new additional lines of coverage. And if voluntary term life (VTL) is one of the new coverages, you will receive an extra $100.*

New case  3+ new lines of coverage (includes VTL) $200/client
 New case  3+ new lines of coverage (no VTL) $100/client
 Renewal  2+ new additional lines of coverage (includes VTL)  $200/client
Renewal 2+ new additional lines of coverage (no VTL) $100/client

•    Coverage effective dates: September 1 – December 31, 2014.
•    Qualifying coverages: Fully insured employer-paid and voluntary dental, short-term disability (STD), long-term disability (LTD), group term life, voluntary term life (VTL), vision and voluntary critical illness from Principal Life.

Example 1      

•    Sell a new case with 3 lines of coverage (STD, VTL and critical illness).
•    Earn $200 broker bonus bucks.

Example 2      

•    Renew a case and add 2 new additional lines of coverage (dental and VTL).
•    Earn $200 broker bonus bucks.

Example 3      

•    Sell a new case with 4 lines of coverage (STD, LTD, group term life and vision).
•    Earn $100 broker bonus bucks.

Please call your FNA Representative for more information.

Julie J Malandro, Director of Sales
300 Interpace Parkway | Building C 210
Parsippany, NJ 07054
Phone: 973.404.9382
Cell: 732.757.1219

P.S. Use this program to move toward your 2015 platinum status in our Privileged Partner Program.
*Payment sent end of first quarter 2015.

Final determination of the bonus amount and/or payment rests solely with the Principal Financial Group. The bonus formula may change or terminate at any time without prior notice. Please remember to abide by the company’s policy on disclosure of compensation. You can obtain more information, as well as a sample disclosure form, at www.principal.com.
If you are not appointed with any company of the Principal Financial Group® and do not want to receive any further marketing emails, click here and we'll remove you from our global marketing email list.
Copyright © 2014 Principal Financial Services, Inc., 711 High Street, Des Moines, Iowa 50392
Disclosures and Terms of Use | Privacy and Security
For producer use only.  This material is not intended for use in sales situations or with the general public.
"The Principal," "Principal Financial Group," the Edge Design, "We'll Give You An Edge" and the illustrated character are registered service marks of Principal Financial Services, Inc.
EC4408 | 08/2014

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Delta Dental Broker Appointment Portal

Great New! Nw brokers can go online and apply for appointment directly on the Delta Dental portal. Simply create an account by filling in all fields and then select Create Account.  After the account has been created, login to the main page to complete your application. Click here for details.

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United Concordia recently released a streamlined, customizable online tool designed specifically for benefits administrators. The secure account management portal is a one-stop gateway to United Concordia’s enrollment and billing. Visit our Employer’s page at UnitedConcordia.com for additional information.

New Rates just released. Click below

UCCI PPO Rates 8/1/2014 - 12/1/2014

Did you know that as Americans age, the Baby Boomer generation reaches retirement age in ever growing numbers. Of these 75 million Americans, about 3 million will hit retirement age, every year, for the next 20 years. This presents an increasing challenge as well as a huge opportunity in the Healthcare marketplace.  Let us show you the basics.

We have prepared a quick reference sheet called "Medicare 101" which should answer a lot of questions about the eligibility of your potential Medicare clients.  Randy Frey, a recent addition to FNA stands ready to assist your.  Randy can be reached at 516.348.7160 or by e-mail rfrey@fnainsurance.com.



DENTAL COORDINATION OF BENEFITS - EHB UnitedHealthcare Medical / Non-UnitedHealthcare Dental

Additional information about UnitedHealthcare’s EHB Dental product.

  • Pediatric benefits are embedded in every medical plan  (one exception is RI where each client has a choice)
  • EHB plans share accumulators and out of pocket maximums
  • Subscribers will receive pediatric dental ID Cards
  • Coordination of benefits between your EHB and traditional plan, one claim submission when all dental is with UnitedHealthcare
  • The traditional family dental plan brings added value and automatically coordinates with the pediatric benefits included in the medical plan
How will the two plans coordinate benefits when an employee has pediatric coverage embedded in the medical policy and also has a separate dental plan?
If a pediatric member has both UnitedHealthcare medical and dental plans:
  • This scenario offers the greatest ease in coordination of benefits
  • These members enjoy the convenience of one dental claim submission process and one network and one customer care unit
  • Coordinated adjudication, payment and benefit tracking to ensure they receive the full benefits of both plans
  • Medical coverage will be primary
    • Out-of-pocket costs of dental services will be applied to the medical deductible and out-of-pocket maximum, even if services are reimbursed by the secondary dental plan
If a pediatric member has a UnitedHealthcare medical plan and another carrier’s dental plan or vice versa:
  • Final determination about whether Medical will be primary or secondary will be determined by which policy/carrier the member was enrolled in first
  • The information provided on the claim will begin to help the insurance carriers determine if the pediatric member is covered first by their medical plan or their dental plan
  • If the claim indicates that the member’s only coverage is under the UnitedHealthcare medical or dental plan, then we would process that claim in accordance with the plan benefit

Click below to find an example of both scenarios to further illustrate the above information. If you have any questions please call your FNA Broker Representative.

UnitedHealthcare EHB Dental Product


Help your clients save money on group benefits by telling them about the multiple product discount from Principal Life Insurance Company. With voluntary benefits and flexible product design, offering quality group benefits can be practical and affordable. Find out how to save for your client...MORE


Principal Financial - Enhanced Support and Service
Are you a top producer? Top Producers qualify for Principal Financial Group's Group Benefits Privileged Partner Program and rewarded for outstanding sales results and dedication. Find out MORE

Standard Security to reduce statutory DBL rates for all groups with less than 50 lives. Providing the New York market with DBL coverage for more than 50 years Rated “A-” (Excellent) by A.M. Best Company.

Cigna Health and Life Insurance Company
At Cigna, improving the health and well-being of individuals is fundamental to everything they do. That’s why they do more than just offer health improvement programs. Cigna's health improvement team takes the time to get to know your client and its employee population up close – then works with them to find the right elements for a health improvement strategy that targets what works best for them. And their health improvement programs give individuals a variety of ways to discover better health on their own, or work with someone who can give them the extra help they need.

To learn more about Cigna’s one-of-a-kind approach to health improvement, contact your FNA representative.

Reduced DBL Rates Effective 5/1/2014

NEW YORK, NY   April 8, 2014 -- Standard Security Life Insurance Company of New York has been approved by the New York State Department of Financial Services for a rate reduction on its statutory DBL coverage.    Further,  SSLICNY has simplified their statutory rating structure by eliminating separate rates for 1-9 and 10-49 life groups.   The newly approved statutory rates are for all groups, 1-49 lives, for either available billing mode  (annually or quarterly in arrears).
Click below for the new rates:

National Benefit Life



National Benefit Life Press Release: Wesco Insurance Company acquired National Benefit Life Insurance Company's group statutory disability benefits business. Transition is expected to be seamless


UnitedHealthcare Specialty Update January 2014

Due to ACA reform, there have been changes to approved applications in the tri-state area. We have obtained the most up-to date applications that each group submission should use from here on. Please use these applications moving forward in order to help us process your groups as quick and smooth as possible. Below you will find the following:
•    New York Dental and Vision Only Employer Application 2014
•    New Jersey Dental and Vision Only Employer Application 2014
•    Connecticut Dental and Vision Only Employer applicatio 2014

Husband/Wife Groups:
UHC Standalone and OBM will follow suit with medical when determining eligibility of Groups consisting of Husband and Wife. The passage of the Affordable necessitated a focus on federal (as opposed to state) requirements for determining what entities qualify to purchase a group health plan. Under ERISA in order to qualify as a “group health plan” an employer must have employees other than just the sole owner and the owner’s spouse who are eligible to purchase coverage under the plan documents.

Guardian Life Logo




Guardian Small Group Sales - Guardian can now offer your clients a Voluntary Life product to groups with as little as 3 employees.  Please call for more details.  Voluntary Life Down to 5 Enrolled Lives or Voluntary Life Down to 3 Enrolled Lives


Delta Dental releases Exchange Certified Pediatric Dental Options for Small Business - At Delta Dental of New York, Inc., we’ve always been dedicated to providing the very best dental coverage
to small businesses, at affordable prices. And, that hasn’t changed, even with health care reform and the
Affordable Care Act. In fact, there is no need to disrupt dental benefits.

Guardian Life Logo

Guardian is rolling out our  2014 NJ TDB Program and they can guarantee savings.........

--  Group is 16 - 300 lives
--  TDB is currently with the State of NJ
--  Employer rate is equal to or less than $0.45

--We can guarantee savings   

Advantages of placing your TDB business with Guardian
-- Guaranteed savings for employer
-- We pay commissions (state does not)
-- We absorb annual assessment fee

If you have a prospect or targeted client, please provide the most recent AC174 form*.

Metlife is making available ACA compliant pediatric dental services on all small groups (under 50) starting 1/1. PPO and DMO pricing outlines below:DHMO Pricing Impact for Groups with Under 51 Eligible Lives These are the notices from Metlife when a group is for new business - not a renewing group.

These are for renewals indicating the decrease in rates for under 51 lives if they waive.The attached are going out with Metlife renewals advising that Metlife is including all pediatric dental services in all plans renewing 1/1, groups do have the option to decline these services and get the reduced rates as outlined in the attached

NBL Disability specialists - You asked…we listened!! Effective January 1, 2014, National Benefit Life Insurance Company will offer an enhanced New York Disability Program, DBL DELUXE™, for groups under 50 lives. By choosing one of these plan options, your client can increase the maximum weekly benefit from $170 for a New York disability claim incurred on or after January 1, 2014. NOTE - 2 files Enriched annc and flyer


Horizon BCBSNJ Rebrands its Life and Disability Business Under New Company Name.  Horizon BCBSNJ Rebrands its Life and Disability Business Under New Company Name.  Focus on Convenience and Lowering Costs for Customers
Horizon Blue Cross Blue Shield of New Jersey has placed a new, but well-recognized, label on its ancillary product business: Horizon Insurance Company. Applies to: All markets

The Affordable Care Act (ACA) brings many changes to dental benefits – making it more important than ever to work with the right carrier.
Good news! Your clients’ medical plans will likely include the pediatric Essential Health Benefit (EHB) – making them compliant with state requirements.  Now you can focus on ensuring the group offers quality family dental benefits to keep employees healthy, satisfied and control costs.
Guardian can meet these needs:

  • Guardian offers a unique option that covers the entire family, excluding pediatric preventative care for members under age 19 that is likely part of the medical plan
  • This means that members under age 19 will be covered for basic and major services under their Guardian plan without being subject to the medical plan’s deductibles and out –of-pocket maximums
  • With one of nation’s strongest networks it easy for members to find an in-network dentist near them offering discounted care

Remember, choosing a standalone dental carrier like Guardian allows employers to get the most value from their dental plan due to cost savings, network and expertise.  Click here to learn more.

When it comes to ACA, we've got you and your clients covered. To help your small business clients and our customers comply with the ACA, MetLife is adding pediatric dental benefits that meet EHB requirements, wherever possible, to existing dental plans 50 and under eligible lives in select states(1) effective January 1, 2014, without requiring any work from you or your clients.



A Robust Wellness Offering - Be sure to check out our Wellness Platforms for groups with 10 - 99 eligible employees and customizeable options for groups of 100+

Core Includes:
Employee Branded Wellness Portal
Bilingual Site Set-up
Dedicated Wellness Team
Telephonic wellness coaching
and much more.
Core Plus and Enhanced Core details are available as well.


Turn up the heat and earn big with Assurant's new Small Group Bonus.  Don’t let this opportunity cool off. Assurant Health’s Turn up the Heat campaign means hot opportunities for you to make extra cash. We’re talking $100 for each issued employee—paid to you on a monthly basis*!


The more things change, the more our dental rates stay the same.

We know you’re working hard to help your clients prep for healthcare reform changes. One thing that isn’t changing is dental insurance pricing from Principal Life Insurance Company. In fact, they are offering even greater stability and savings for your clients and their employees with a two-year rate guarantee in tandem with reduced pricing – at a time when they’ll welcome it the most.