- 948
True. I forgot for a minute . . . .
When is the Next Open Enrollment Period for ACA?
- Thread starter wehotex
- Start date
True. I forgot for a minute . . . .
Go back and read your earlier comment. Especially the part about contract year deductibles.
Your state may be different, but most IFP have calendar year deductibles. Coventry used to have (and maybe still does) have contract year deductibles.
If all your carriers have contract year deductibles then there is no problem moving someone mid year.
I assumed you mistyped and meant to say calendar year deductibles.
But now that you have challenged me, I am confused. Or are you?
Did you mean calendar year or contract year deductibles? There is a big difference.
I wasn't really challenging you, but OK.
I am well aware of the difference between calendar and contract year deductibles.
Contract/Calendar year has always been an issue. You work for Joe Bob's Car Shop and meet your November contract year deductible in November. Then you go work for Mary Pat at the drug store, who is on a calendar year. And have to meet the new deductible 2 months later.
Yes, 99.9% of Indy plans are on a calendar year
Scenario 1: We enroll "as normal" Fall of 2016 for a 1/1/17 Effective Date. We RE-ENROLL Spring of 2017 for a 7/1 Effective Date. IF a client makes the decision the switch, they are responsible for the deductible "moving" to the new carrier. (I'm sure there's an executive order that can be written for that)
Scenario 2: We do NOTHING Fall of 2016 for 1/1/17. Everyone is stuck on the same plan until 7/1, with an OEP in the Spring of 2017 So the 1/1/16 plans are actually 18 months. Again, there will have to be a deductible credit law passed, order passed, whatever, for people who want to move on 7/1.
Scenario 3: We keep doing what we are doing and fixing it on the back-end.
I'm sure there other scenarios those were just the 3 that came to mind immediately.
My point in the previous post was this:
If a client has BCBS on 12/31 and blows out their knee, BCBS wants the deductible. The client moved during OEP to United. The surgery takes place on 1/1, UHC wants the deductible, too. Since its the same "issue" the carriers don't make you pay the deductible twice. UHC will take the BCBS deductible and apply it. That's what I meant by we aren't losing much for the 7/1.
AND DON'T FORGET....there's 2 elections somewhere in the mix. Who knows what this thing will look like after the midterms. We are all talking about long
term strategy. While FFM is sending out letters and can't process the documents they requested in 2014
Again, I apologize if you felt challenged. That certainly wasn't my intention.
I am well aware of the difference between calendar and contract year deductibles.
Contract/Calendar year has always been an issue. You work for Joe Bob's Car Shop and meet your November contract year deductible in November. Then you go work for Mary Pat at the drug store, who is on a calendar year. And have to meet the new deductible 2 months later.
Yes, 99.9% of Indy plans are on a calendar year
Scenario 1: We enroll "as normal" Fall of 2016 for a 1/1/17 Effective Date. We RE-ENROLL Spring of 2017 for a 7/1 Effective Date. IF a client makes the decision the switch, they are responsible for the deductible "moving" to the new carrier. (I'm sure there's an executive order that can be written for that)
Scenario 2: We do NOTHING Fall of 2016 for 1/1/17. Everyone is stuck on the same plan until 7/1, with an OEP in the Spring of 2017 So the 1/1/16 plans are actually 18 months. Again, there will have to be a deductible credit law passed, order passed, whatever, for people who want to move on 7/1.
Scenario 3: We keep doing what we are doing and fixing it on the back-end.
I'm sure there other scenarios those were just the 3 that came to mind immediately.
My point in the previous post was this:
If a client has BCBS on 12/31 and blows out their knee, BCBS wants the deductible. The client moved during OEP to United. The surgery takes place on 1/1, UHC wants the deductible, too. Since its the same "issue" the carriers don't make you pay the deductible twice. UHC will take the BCBS deductible and apply it. That's what I meant by we aren't losing much for the 7/1.
AND DON'T FORGET....there's 2 elections somewhere in the mix. Who knows what this thing will look like after the midterms. We are all talking about long
term strategy. While FFM is sending out letters and can't process the documents they requested in 2014
Again, I apologize if you felt challenged. That certainly wasn't my intention.
