Anthem CA Small Group Q1 2018 Rate Announcement - Presented by: Alyson Stone Director, CA Small Group Account Management
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Anthem CA Small Group
Q1 2018 Rate Announcement
Presented by: Alyson Stone
Director, CA Small Group Account Management
Agenda
•Small Group Q1 2018 Rate Action Details
•2018 Portfolio Change Highlights
•Important Dates
•Underwriting - Flexibility, convenience and speed, continued!
•What New with Anthem Specialty
•Rest Easy Campaign
•Just a few of Anthem’s noteworthy Value Adds!
•Q & A
22
CA Small Group
Q1 2018 Rate Action
Quarterly Rate Change Average:
HMO: 2.4%
PPO: -0.4%
Combined: 0%!
Annual/Renewal Rate Change Average:
HMO: 7.5%
PPO: 5.75%
Combined: 5.9%
33
Quarterly Rate Actions
– 27 Months
Our consistent pricing continues…
Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Net
2016 2016 2016 2016 2017 2017 2017 2017 2018 Change
PPO -0.4% 2.7% -0.4% -1.2% 3.1% 3.2% -0.4% 6.6%
HMO -7.2% 2.3% -1.0% -4.6% 2.8% 2.2% 2.4% -3.1%
44
2018 Portfolio
Change Highlights
HMO plans
Now include a variety of lower out-of-pocket options and a new Gold HMO $1,000 deductible option
PPO plans
Benefits (office visit copays, out of pocket maximum and pharmacy) have been updated to offer more
affordable options
CDHP plans
A new Bronze HSA $4,500 option has been added to the portfolio
ADDED:
Gold HMO 1000/30%/4000 (offered on both Full and Select networks)
Bronze PPO 4500/35%/6550 w/HSA (offered on both Full and Select networks)
DISCONTINUED:
Silver HMO 1750/40%/7150 (Full and Select network options discontinued)
55
Important Dates
• 1/1/18 Rates will be posted on Producer Toolbox 10/1
• 1/1/18 Rates were released to quoting vendors and will go LIVE on 10/5
• 1/1/18 Renewals will be posted to Producer Toolbox on 10/20 (producer renewals are no longer mailed)
• 1/1/18 Group renewals will be mailed on 10/26
• 1/1/18 Group renewals will be available on Employer Access 10/30
• 2018 Materials to be live on EasyRenew site on 10/4
• 2018 Materials to be live on Producer Tool Box on 10/5
• 1/1/18 Anniversary date change requests due by 11/15
• 1/1/18 ACE Broker Program qualification communication targeted for late November
66Underwriting - Flexibility,
convenience and speed, continued!
Relaxed Participation!
Through 3/15/18 effective dates. 30% participation required for 5 or more subscribers enrolled.
DE9C not required with 6 or more subscribers enrolling!
Through 3/15/18 effective dates. Groups with prior coverage must submit prior carrier bill. Excludes virgin
groups.
Valid Waiver
Through 3/15/18 effective dates. Individual coverage both on and off of the Exchange will be accepted as a valid
waiver
Dual HMO Networks! (Dual network no longer offered for PPO)
Through 3/15/18 effective dates. Groups can select both of our HMO networks to be offered alongside each
other!
Same Day Turnaround for New Business Enrollment!
If we receive your new business submission by 8 AM Monday through Friday, Anthem will provide same day
review and approval, subject to completeness of new business submission*. Case must use census Enrollment
Tool for same day turnaround, excluding holidays.
*same day review & approval does not include clarifications or missing information identified.
77We’re working hard
to keep it simple.
Anthem Specialty
Six exciting things to help you sell more Specialty during the
busy season!
1. Simplified Metallic Dental Complete PPO Plans – We’ve added a new option to
the Gold plan, which now includes 90th percentile out-of-network reimbursement
with and without adult/child orthodontia on an employer-paid or voluntary basis.
Popular plans (Platinum, Gold, Silver and Bronze) and simple pricing make it
easier than ever to sell!
2. New 2017 and 2018 Metallic Dental Complete PPO Rate Cards – Now available!
(Top Selling Metallic plans will also be included in all group renewals beginning
eff. 1/1/18)
3. Additional Premium Savings for groups with 26 to 100 employees – Don’t let
pricing prevent a sale. Let Anthem Connect generate your dental, vision, life and
disability quotes for the best pricing available.
4. 5% Bundling Discounts – Your small group clients can save 5% on their dental,
vision, life and disability premiums when they buy new dental and add vision, life
and/or disability coverage.1
5. New Benemod form to add Specialty – We have created a Specialty benefit For more information or to get a quote on
modification form to add or change dental, life, vision and disability coverage to dental, vision, life or disability,
contact our small group quoting team at
current Anthem medical groups.
anthemsgspecialtyquotes@anthem.com
or Anthem Connect at
6. Dental Net and Custom Dental Plans – DHMO plans and special requests are no connectca@anthemdentaladmin.com
problem at Anthem. Just contact your Anthem Connect rep to make it happen.
1 Groups with current specialty coverage are not eligible for this discount. Applies to life plans with a $25,000 minimum benefit. 8
Contact your Anthem representative for details.New Brand Campaign highlights how
we can help our employers ‘Rest Easy’
We have launched a new brand campaign with fresh, bold new ads that focus on
tangible and compelling ways we help our customers overcome their challenges.
To help them ‘Rest Easy’.
• Media Channels: Spot TV, Print, Outdoor Prints and Digital screens, Radio, Digital
Audio, Digital and Social
• Campaign period: September 4th – the end of 2017
• Markets: Los Angeles and San Francisco
“You have Anthem, and they have real people to talk to who are empowered to answer any questions you have...”
“For all the things that keep you up at night, Anthem has a solution.”
“Rest Easy”
99New Brand Campaign highlights how
we can help our employers ‘Rest Easy’
The right face for
Anthem Blue Cross
Someone to humanize and bring
Anthem Blue Cross to life
Reassuring with a little tough love
for those who are kept awake at night
Charming and no-nonsense
Funny, charismatic and alluring
THE SPOKESPERSON: Trustworthy
TEA LEONI
“You have Anthem, and they have real people to talk to who are empowered to answer any questions you have...”
“For all the things that keep you up at night, Anthem has a solution.”
“Rest Easy” 10
10Just a few of Anthem’s
noteworthy Value Adds!
• PayForward, an Anthem exclusive program offering up to 15% cash back! Available to our members for
simply shopping with the retailers they do today by enrolling in PayForward, linking their credit card(s) to their
account and shopping at over 12,000 participating retailers in store and online such as Target, Best Buy,
Nordstrom, and Macy’s...
• A dedicated enrollment and billing representative to support our Top 25 agency partners with urgent
requests.
• Telemedicine through Live Health Online, virtual visits with a licensed physician available 24 hours a day, 7
days a week.
• At home and on-site care delivered through HEAL, our partner for on-demand house call and on-site care in
select counties.
• Anthem Whole Health Connection, integrated health care to take full advantage of every opportunity to
detect, treat and prevent medical conditions sooner.
• Employer Access, a convenient enrollment and bill payment online tool for employers (and agents) to
manage their health plan easily, quickly and securely.
11
11Thank You!
12
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