Stockton Builders’ Exchange
2010 Health Plan Renewal Summary
The following is a summary of the changes to watch for this year as you review your options.
ALL RENEWAL PAPERWORK IS DUE BY FEBRUARY 28TH, 2010.
Term Life Insurance – MetLife
o Small rate changes for both Basic and Optional (Voluntary) term life products
o Both are Portable for 30 days after terminated employment
Dental – 1 Carriers : MetLife No Rate changes
o MetLife- Increased IN-Network preventative from 80% to 100%; Implants now covered
o 3 Tiers: 1-5; 6-19; 20+
o Ortho coverage for 6+ enrolled EEs- Old Premier Access Ortho coverage grandfathered in.
Voluntary Multi-life disability income – Met Life- Same Great Carrier!!
o Non-cancelable; guaranteed renewable policy
o Up to 15% discounts available to the employees of all member firms
Chiropractic / Acupuncture - American Specialty health Plans of California, Inc.
o Chiropractic and Chiropractic & Acupuncture – No rate or benefit changes
Vision – 2 Carriers to Choose from : Blue view and vsp
VSP (Vision Service Plan)
o Same Vision Plan benefits with addition of polycarbonate lenses for children under 18
o Discounts even after benefits are completely used
Blue view vision (Division of Anthem Blue Cross)
o Same Vision Plan Benefits with a 30% discount compared to 2006 rates
o Additional Retail Providers – Lens Crafters, Pearle Vision, Sears Optical
o
Medical - Required Participation in a medical plan is now 100% for Groups 1-2; 75% for Groups 3+
Kaiser
o Three Rate Tiers based on group size and carrier underwriting
o New Kaiser Accounts tier based on size or direct Kaiser tier rate(if previously with Kaiser)
o Existing Kaiser Accounts – Tier status based on experience rating by Kaiser underwriting
o One New Plan – $40/2000
o $0/1500 is changed to 0/2000; discontinued $0/2200 & HRA plans
o All plans except K15 & K20 are available to groups of 1&2 enrolled
o Benefit structure for HSA plans have separate deductibles & OOP maximums
HealthNet
○ New HN accounts tier based on size only 1-5 groups Tier 1; Groups 6+ minimum Tier I-V based
on Individual and/or Employer health questionnaires determined by HN.
o Existing Health Net Accounts – Tier status based on experience rating by Health Net underwriting
o New HSA Plan – Value HSA 4500: Deductible matches OOP maximum, pays 100%
o HMO 40, HSA Value 4500 plans are available to groups of 1&2 enrolled
o New PPO Value 30
o New Health Net Accounts can apply for discounted rate tier by submitting health statements
(6-9 enrolling) or an Employer Statement (10+ enrolling) to Health Net underwriting
○ 75% for groups 1-9 when offered with Kaiser
o Existing & New groups >10: HealthNet Participation Updates (if offered with Kaiser)
o 60% if only Health Net HMOs and HSAs are offered alongside Kaiser
o 70% if any Health Net PPO (non-HSA) Plans are offered alongside Kaiser
o There is NO minimum participation requirement if only 1 Health Net HSA (no HMO or PPO plans) is offered alongside Kaiser AND a minimum of 6 eligible employees enroll with Health Net.
o Options Plans; HSAs 1500, 2000 & 3500; HMO Value 20, HMO ST. 30 & PPO ST. 40
are being discontinued. Unless otherwise chosen, automatic migration to nearest benefit structure will change enrollment.
Q&A Insurance Marketing, Inc. Denise Haycock - 1-800-595-1339 Lic. #OB17048
