No Loss, No Gain

[somarco]

Which states have enacted no loss, no gain provisions when transitioning from group to individual? How about IFP to IFP?

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Over 100 views and no response. Should I assume the answer is none?

 

[Yagents]

I had to 're-read it 99 times and still don't know what you're asking

 

[GreenSky]

I had to 're-read it 99 times and still don't know what you're asking

Giving up so soon?

Rick

 

[somarco]

No loss, no gain is perhaps a dated term for continuity of coverage.

In the group market employers replace their current plan with a new one and no loss, no gain (continuity of coverage) is assumed by the new carrier.

If your old plan had a $3000 deductible then 80/20 and was replaced in July by a new employer plan (same employer) that has a similar plan design, employees covered under the old plan neither lost nor gained on the change.

Employees who had satisfied all or part of their deductible under the old plan carried over the deductible and OOP limits to the new plan through the end of the calendar year.

No loss, no gain was for group to group only.

If you left your employer and chose IFP coverage your deductible and OOP did not carry over to your IFP.

Same is true in going from IFP to IFP.

Whatever happened under your old plan is lost and does not carry over to IFP.

What I am hoping to learn is, have the rules governing group to IFP or IFP to IFP changed in some states or not.

 

[DS4]

Employees who had satisfied all or part of their deductible under the old plan carried over the deductible and OOP limits to the new plan through the end of the calendar year.

I have no group carrier in Calif that will do that

 

[jessicakappor]

I am understanding it little bit, can you brief me out what are you asking exactly?