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Ancillary News Updates

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.

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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.

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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.


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*!



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.


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.


Below are the updated Q2 2013 dental and vision rate cards.  UnitedHealthcare has reduced vision rates by over 30% in NY, NJ and CT as they went from a regional rate card to a state specific card.  Also, they have added some new plans to the dental rate cards in downstate NY, see the 5 new plan designs below.  Call me with any other questions.


Horizon Broker Brief 2013 -  National Dental Grid.   Horizon BCBSNJ Brief Notes V. 22, No. 900, Nationwide Dental Network for Blue Cross and Blue Shield Customers.

Zurich - Important Statutory Disability Updates for NY - Zurich delays cancellation of First Quarter NY Statutory Disability Overlife business to April 1, 2013. This is in an effort to give employers more time to work with impacted customers in determining their future insurance needs.


11/15/12- Update to Ancillary Claims Processing Rules New Effective Date January 1, 2013 On October 12, 2012, Horizon Blue Cross Blue Shield of New Jersey announced changes tohow providers will be required to file certain ancillary claims and how these claims will be processed by all Blue Plans, including Horizon BCBSNJ.

11/5/12 -  Colonial Life has recieved 30 top honors in 7 years for products, service and innovation The 2012 Bene!ts Selling Readers’ Choice Awards contest results are in and, once again, brokers named Colonial Life their top choice in all categories relevant to their business! What we’re proud of most? Find out more about Colonial's latest accolades Voted #1 across the board by the Broker community.


11/5/12 Colonial Life 30 top honors in 7 years for products, service and innovation The 2012 Bene!ts Selling Readers’ Choice Awards contest results are in and, once again, brokers named Colonial Life their top choice in all !ve categories relevant to our business! Voted #1 across the board by the Broker community.


10/8/12 - UHC Select managed care dental product (DMO) UnitedHealthcare's New Managed Care DMO is now available in NY. While groups must be domiciled in these specific New York counties, network coverage makes it an ideal option for employees who live in New Jersey and Connecticut as well.


8/24/12 - Standard Security Life Insurance Company. Providing the New York market with DBL coverage for more than 50 years Rated “A-” (Excellent) by A.M. Best Company


8/15/12 - Principal Leverage these tool to build your Law Firm business. Law firms are an excellent market for employee benefits. Not only do attorneys understand the need for coverage, attorneys have assets, skills and practices that need specialized protection.


8/14/12 Guardian’s network – in the palm of your hand. Introducing the Guardian AnytimeSM Mobile App! Guardian is committed to not only developing the right plan designs


8/13/12 PPO Dental/Vision ID card update.  Effective new business and inforce cases on renewal dates begining 9/1/12 Guardign will be using electronic
ID cards that employers and members can access through GuardianAnyTime.