Blue Cross California Individual Ppo Share 2500 Premiums

In the proposed rate increase filing with California Department of Managed Health Care (DMHC) on August 1, 2014, Anthem Blue Cross included 79 health plans that they would be terminating at the end of year. Titled Exhibit P – Terminated Plans, effective 2015, Anthem Blue Cross lists 39 pre-ACA and 40 post-ACA individual and family plans that will be terminated. Fourteen of the plans scheduled for termination were offered through Covered California.

Blue Cross plan terminations listed

Within the rate filing to justify either their rate increases or decreases with the DMHC, Anthem Blue Cross listed plans whose past claims experience help forecast future expenses for all their individual and family plans offered off and on exchange. Down load the full Anthem Blue Cross Pipeline document with the list of terminated plans at the end of the post. From the filing they state on page 140-

Following are the plans that will be terminated prior to the effective date:

This includes plans that have experience included in the URRT during the experience period and any plans that were not in effect during the experience period but were made available thereafter.

HIPAA plans shrinking in membership

A good chunk of the pre-ACA plans to be terminated are guarantee issue HIPAA plans that individuals and families may have purchased either before or after their COBRA benefits ended. This HIPAA plans tended to be expensive and it would not be unreasonable to assume that many of the plan members have migrated to less expensive tax subsidized plans offered through Covered California.

Pre-ACA plans have larger provider networks

The one benefit these pre-ACA plans have is usually a wider network of providers. Individuals forced to give up their existing pre-ACA plan may find that their current physician may not be in-network for the new ACA plans. Another issue is that Anthem Blue Cross no longer offers PPO plans in all parts of the California. Current members of plans to be terminated will have to transition into an EPO or HMO plan in their region. Anthem Blue Cross no longer offers PPO plans in the regions of 4, 15, 16, 18, or 19. (See: Premium rate increases by carrier, by plan, by region)

Catastrophic plan were seldom purchased

Similar to other insurance companies and health plans, Anthem Blue Cross will be terminating their Catastrophic plans on and off the exchange. The Catastrophic plans with $6,350 deductible were only slightly less expensive than the Bronze plans with a $5,000 deductible. Consequently, only 1% of Californians signed up for the Catastrophic plan through Covered California.

Just adding children's dental benefits?

The other "on-exchange" or Covered California plans may only be having their model number terminated. Because all Covered California plans must now include pediatric dental, this benefit increase may have necessitated Anthem Blue Cross to terminate plans in their system and reissue the same plan with children's dental and a new model number. The off exchange plans always required the purchase of pediatric dental, but there is impetus to rename off exchange plans with the same metal tier levels used in Covered California. So the termination of the off-exchange plans may be just to change the name.

I requested clarification in an email on August 20th about the terminations, but Anthem Blue Cross has yet to reply to my inquiry. Consequently, aside from the fact that Anthem says they are terminating individual and family plans in California, we don't know which plans will be closed for ever and which ones might be undergoing a simple name change.

List of plans Anthem Blue Cross 2015 Terminated Plans

Anthem Blue Cross
Exhibit P – Terminated Plans
Individual and Family
Effective January 1, 2015

Pre ACA Terminated Plans

Plan ID Name/Product
06AY HMO Saver
06AZ HMO Select
06C0 Individual HMO
06C1 HMO Saver
06C2 HMO Select
06C3 HIPAA Select HMO
06C4 HIPAA HMO Saver
06C5 Conversion HMO
07TQ HMO
0ADG HIPAA 2000
0ADS HIPAA Share 2500
0ADV HIPAA Share 2500
0ADW HIPAA Conversion
0AE0 Group Conversion HMO
0AFW HIPAA Select HMO
0AFX HIPAA HMO Saver
0G44 HMO Saver
0G5B Individual HMO
0G5C HMO Saver
0G5Y HMO
0JT7 HIPAA PPO Share 5000
0JT8 HIPAA PPO Share 7500
0JTX Conversion PPO Share 7500
06AH PPO_Share 3500
06AV PPO_Share 3500
06AW PPO_Share 7500
06AX PPO_Share 5000
06BX PPO_Share Plus 3500
06BY PPO_Share Plus 7500
06BZ PPO_Share Plus 5000
07TU PPO_Share 2500
07TV PPO_Share 1500
07TW HIPAA Share 2500
0ADJ HIPAA Share 1500
0ADQ HIPAA Share 1500
0ADT HIPAA Share 1500
OADY PPO_Share 500
0ADZ PPO_Share 1000
PE41 MRMIP Graduate Plan

Post ACA Terminated Plans

Plan ID Plan/Product Exchange
27603CA1xxxxxx Anthem –
140001 Catastrophic DirectAccess PPO On
160007 Catastrophic DirectAccess EPO On
160001 Bronze DirectAccess – cacg EPO On
140002 Bronze DirectAccess – cacf PPO On
200001 Bronze DirectAccess w/H.S.A. – caci EPO On
190001 Bronze DirectAccess w/H.S.A. – cach PPO On
160005 Silver DirectAccess – cbmm EPO On
140006 Silver DirectAccess – cbmq PPO On
150003 Silver Guilded Access – cbmu HMO On
160003 Gold DirectAccess -ccat EPO On
150001 Gold Guilded Access – ccau HMO On
160004 Platinum DirectAccess – ceac EPO On
140005 Platinum DirectAccess – ceab PPO On
150002 Platinum Guided Access – cead HMO On
230001 Catastrophic Guided Access PPO Off
250008 Catastrophic Guided Access EPO Off
250001 Core Direct Access – cacg EPO Off
230010 Core Direct Access – cacf PPO Off
270002 Core DirectAccess w/H.S.A – caci EPO Off
260001 Core DirectAccess w/H.S.A. – cach PPO Off
250002 Core Direct Access – caci EPO Off
230011 Core Direct Access – cacj PPO Off
250004 Core Direct Access – caao EPO Off
250003 Core Direct Access – caan EPO Off
230006 Core DirectAccess – cacs PPO Off
230005 Core Direct Access – caae PPO Off
250005 Core DirectAccess w/child dental – cdao EPO OFF
230007 Core DirectAccess w/child dental – cdae PPO Off
250006 Essential DirectAccess – cbmm EPO Off
230008 Essential DirectAccess – cbmq PPO Off
240001 Essential Guided Access – cbmu HMO Off
250007 Essential DirectAccess – cbng EPO Off
230009 Essential DirectAccess – cbnk PPO Off
250010 Essential DirectAccess – cbno EPO Off
230002 Essentials DirectAccess – cbns PPO Off
250011 Preferred DirectAccess – ccat EPO Off
230003 Preferred DirectAccess – ccas PPO Off
240002 Preferred Guided Access – ccau HMO Off
250012 Premier DirectAccess – ceac EPO Off
230004 Premier DirectAccess – ceab PPO Off
240003 Premier Guided Access – cead HMO Off

ABC DMHC PDF Pipeline

3.0 MiB
1410 Downloads
Details

Department of Managed Health Care \"Initial PDF Pipeline\" documents filed by the carrier for their 2015 premium rate review. The PDF Pipeline covers the majority of documents filed with DMHC for the review of their proposed rates. Other spreadsheets referenced in the PDF Pipeline document can be found at the DMHC website under the respective carriers filing.

Category: Rate Filings 2015
Date: August 25, 2014

Anthem Blue Cross Health Insurance

duncanthenand.blogspot.com

Source: https://insuremekevin.com/anthem-blue-cross-set-terminate-79-health-plans-california/

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