Get Ready for A Individual Black Out

[ABC]

The carriers however will not stop issuing business at anytime. That is a ridiculous assertion in my opinion. There is going to be no blackout. Carriers may change the plans they are selling but will not stop at any time issuing policies.

Good, because you are. But the hysterics are appreciated.

Have you guys talked to your sales reps about it?

I have two different sources one from GR and the other from Wellpoint that told me they were very concerned. Wellpoint rep said there is a very good chance of a freeze on new individual sales.


My GR guy is in training all day today about whats going to happen Sept 23rd.


Please contact your sales reps and get there feedback on this issue.


Why is so difficult to believe this could be a possibility?

State DOI can take a very long time to approve a new plan design. How many people work in the a State DOI?

Like I said I hope I am wrong but everyone should have communications with their sales reps.

 

[HealthGuy]

I think this is pure bull kaka.

 

[somarco]

ABC could be right, but I still say it is political posturing. GR has been trying to get new policy series approved in GA for almost 4 years. No word on current filings.

BX has filed for new policy series and they usually get things approved quickly.

 

[STIBROKER]

Apparently Assurant has a new plan coming out called Clarity.....this should be interesting......meeting in Atown is Aug 24th......

 

[Crabcake Johnny]

Clarity is already out in certain markets - I believe it requires a credit check.

 

[HealthGuy]

STI: Hasn't Clarity already been in TX for some time?

 

[STIBROKER]

not sure...have to look at my quote engine.....hot dahammm...I guess I do sell it....

Assurant Health - Assurant Clarity



Assurant ClaritySM – Plan Details

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Finally, health insurance that's simple and affordable. Assurant Clarity offers two plan options to choose from. Network coverage includes:
Deductible Plan

• Deductible – You select the amount you'll pay first – we pay the remainder of your covered charges for the calendar year.
• One family deductible – Only one deductible for the whole family – making it easier to track and meet.
• No coinsurance – We pay 100% of covered charges after you meet your deductible.
• Prescription drugs – Your prescriptions apply toward your medical deductible, so you don't need to meet a separate deductible.
• Wellness visits covered immediately – Many services1 are covered at 100% right when your policy starts - and additional services are subject to your deductible.
• HSA compatibility – Use the Assurant Clarity plan in conjunction with a Health Savings Account for qualified medical expenses.
• No payments to providers at the time of service – When using Assurant Clarity doctors and hospitals.
• 24-hour access to doctors by phone per call with TelaDoc™.

Zero Deductible Plan

• Out-of-pocket maximum – We pay 50% of your health care costs until you reach the amount you choose to pay each calendar year. Afterward, we pay 100% of covered charges.
• No network medical deductible
• Coinsurance – We pay 50%, you pay 50% – for covered charges up to the out-of-pocket maximum you select above. Afterward, we pay 100% of covered charges.
• Prescription drugs – First, you pay a deductible – $500 for an individual or $1,000 per family – for both generic and brand names at any phramacy you choose. We pay 50% of the remaining charges.
• Wellness visits covered immediately – Many services1 are covered at 100% right when your policy starts - and additional services are subject to coinsurance.
• No payments to providers at the time of service – When using Assurant Clarity doctors and hospitals.
• 24-hour access to doctors by phone per call with TelaDoc™. 1 As mandated by the Patient Protection and Affordable Care Act (PPACA). Visit ahrq.gov/clinic/uspstfix.htm for more information or talk with your agent.
  2 Subject to deductible or coinsurance.
  
  © 2004 - 2010 Assurant, Inc. All rights reserved.
  Assurant Health is the brand name for products underwritten and issued by Time Insurance Company and John Alden Life Insurance Company.

 

[Crabcake Johnny]

I think you're right - here's the Clarity PDF for TX:

http://www.box.net/shared/8lhycjv6ba

 

[STIBROKER]

looks like about 2/2010...

STI: Hasn't Clarity already been in TX for some time?

 

[TXINSURANCE]

Good luck getting Internet leads to pass a credit check.