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New York News

United Healthcare

 UHC has released their February Newsletter with important updates, news about webinars and refreshers that include the recently released UW Guidelines. Please be sure to review the February Newsletter.

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OSCAR

As a reminder, Oscar is introducing a 51% small group participation requirement for all New york groups effectuating on and after March 1, 2018.  Oscar would also like to  share with you a one-pager that you can take use you to better educate our clients about Oscar's footprint, projected revenue in 2018, and more!

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healthpass

HealthPass has announced that the renewal window for March groups will close on 2/20/2018.  March renewal applications submitted after this date will require a manual process to re-open the window and may subject the entire gorup to delays of up to 2-3 business days from receipt.

 PDF icon2SMClick here to download the full pdf document

UHC Oxford 2015

**Important Broker Alert**

UPDATES to Oxford’s Underwriting Guidelines to meet DFS Guidance - We received the following up updates from UHC Oxford regarding changes to the underwriting guidelines for new and renewing groups for coverage starting on 1/1/18.  We have posted them to our website for you to review.  The most important details in order to comply with DFS guidance are as follows:

UHC has recently updated their 2018 underwriting guidelines for new and renewing groups for coverage starting on 1/1/2018 they are available from the link below  for your reference.  Below you will find detail on the items that have been updated in order to comply with DFS guidance.

To qualify as a group eligible for coverage under Employee Retirement Income Security Act (ERISA), a group must have at least one common law employee who is both eligible for and enrolled in the coverage.  If no "employees" are covered by the plan, an employee benefit plan does not exist.

As a reminder, the following individuals are not eligible employees and if enrolled, do not satisfy this requirement:
a.    a person who does not meet the common law employee definition under Department of Labor and Internal Revenue Code rules.
b.    a former employee who is covered through retiree benefits, COBRA or state continuation;
c.    an employee who does not live, work or reside in the  United States;
d.    individual proprietors/owners and their spouses (“sole proprietors” or “partnerships”).  

Sole props must have at least one other eligible employee that also enrolls.

The New York Department of Financial Services (DFS) also provided additional guidance surrounding the small group annual open enrollment period.  A link to the DFS guidance is included below:

http://dfs.ny.gov/insurance/health/market-rules-guide.pdf

NOTE that The IDEA portal will be updated to reflect this guidelines in the near future.

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HealthPass SM for web

The HealthPass Online Portal (HOP) is now open to accept April 2018 renewal applications! If your group is not making changes at renewal, their policy will be automatically renewed and you do not need to take action. And don't forget to follow HealthPass on social media to learn more about HealthPass New York!

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EmpireBCBS2013 isolatedMED

Empire has announced that they have enhanced their network offering to give members more of what they really want. Empire offers three networks to meet member's demands, providing a great balance of choice, access and value.  In addition, Empire  BlueCross BlueShield Participating Acute Care Hospitals offer all small group health plans full national access with no restrictions. Click the links below to read more about Empire's enhanced network offerings and about the increased numbers of hospital members will have access to.

healthfirst

Broker Bulletin: New HSA Option from Healthfirst Good news! In 2018, Healthfirst’s bronze level plans for small groups are Health Savings Account (HSA)-qualified. Save money on Healthcare expenses and lower tax free deductions.

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PrimePay Logo CMYK 72dpi2016

The broker webinar of the year: Tech is Transforming the Industry

Broker Concierge from PrimePay - Find out how you can deliver what your clients are demanding - employee benefit technology which is a MUST in today's industry. Find out how to register for this important webinar.

PDF icon2SMClick here to download the full pdf document

United Healthcare

UHC Dental

UHC has decided to continue the 5% rate cap guarantee on all new Dental sales all the way through JULY effective dates! They will continue to keep pushing for these extensions and we will keep you up to date as approvals come through.

Guidelines for eligible groups are as follows:
  • Effective Dates: December 2017 through JULY 2018
  • Group Size: 2 to 100 eligible lives
  • Exclusions: Groups situs in RI, WI, WA, FL (2 to 50), ACEC groups

Cigna logo

Cigna’s self-funded plans have transitioned to the Cigna90 program for maintenance medications.  

PDF icon2SMClick the link to download the pdf document

OSCAR

In an important message from Louis DeStefano, hear all about Oscar's recent partnership with AXA. In addition, an update on Oscar nearing 1 billion in revenue and how Oscar is shaking up the healthcare system.

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EmpireBCBS


Empire’s Q2 rates are here!  Download the rate card as well as the Downstate Contract Code key for submitting cases with HealthConnect quotes.

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HealthFirst New Logo R

Healthfirst Commission Update - Healthfirst is committed to growing with you. That’s why they will be offering brokers an opportunity to earn more in the new year. Just announced, Small Group compensation for new and renewing business in 2018 will be 4% of the premium.

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Oscar Health logo blue SMALL web

Oscar changes participation requirements starting with  March 1, 2018 effective dates. Oscar will be introducing a 51% small group participation requirement for all New York groups effectuating on and after March 1, 2018

Cigna logo
Cigna has released their newsletter with latest on the Tax Reform Impact on ACA ,  24/7 National Support for All Veterans,   NY Family leave handbook and more.  Click below to access the newsletter.

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Oscar Health logo blue SMALL web

Oscar and HealthPass have teamed up to offer your clients expanded options at a great price for 2018!  They also offer plan mapping support for your clients who may still be enrolled with CareConnect to 2018 Oscar Plans. 

PDF icon2SM Click here to download the full pdf document

Oscar Health logo blue SMALL web

Happy Holidays from Oscar! You will now have until Monday, January 8th to complete applications for January 1 small group coverage. 
 

Oscar Health logo blue SMALL web

Don't forget: the deadline to enroll your on-exchange New York individual clients for January 1 coverage is this Friday, December 15th. The deadline to enroll off-exchange New York individual clients for January 1 coverage with Oscar is Sunday, December 31.
In case you need a refresher, you can easily enroll your individual off-exchange clients with Oscar through your customized link here: hioscar.com/get-quote/NPN. Once your client enrolls, we’ll give you credit!

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HFirst New Logo R2015

Healthfirst will be extending their small group new business deadline for January business.They will accept employer applications via your GA enrollment portal through Wednesday 1/3/18 for business with an effective date of 1/1/18. NOTE if business is submitted after their standard new business deadline of the 23rd of the month, that coverage may not be approved until after the effective date. If coverage is approved, Healthfirst may not be able to produce a group number, member ID numbers, or member ID cards until effectuation is complete, which could be after the effective date of the policy.

MORE Healthfirst's Broker Bulletin -Healthfirst has made some attractive changes to their product portfolio for 2018. Please be sure to check out their at a glance benefit plan changes that they are implementing for 2018.

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HealthPass SM for web

REMINDER - The renewal window for January groups will close on 12/26/2017. January renewal applications submitted after this date will require a manual process to re-open the window and may subject the entire group to delays of up to 2-3 business days from receipt. Keep this in mind and work closely with your FNA Representatives.

PDF icon2SM Click here to download the full pdf document

EmblemHealth 4C 300dpi
 
Emblem Commission Update - Emblem is committed to supporting their broker partnerships. That’s why in 2018 they are offering increased commission rates (four percent up from three percent in 2017).

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HealthPass SM for web
 
News about Special Open Enrollment Reminder - for CareConnect and Oscar and Extended New Business Submission Deadline Reminder. Click below for details.

 

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HealthFirst New Logo R
HealthFirst - HealthEquity Update - We are pleased to announce that we have contracted with HealthEquity as the ustodian for H S A accounts. Our 2018 Bronze Pro & Pro Plus EPO plans are H S A compatible and Healthfirst will cover the account set up fee and monthly  administration fee for any
employer/employee who chooses to implement an H S A compatible plan with Healthfirst and HealthEquity as the custodian.

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UHC logo

UHC Broker Connection December 8, 2017 - Reminder about two preventive changes for 12/1/17 regarding the use of statins, vision provider updates and more. Click below to access the Newsletter.

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