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Just reading product updates and noticed this:
INDIVIDUAL MEDICAL
Diabetes ratings revised
The ratings for the Diabetes Program have been revised to allow for more diabetic and pre-diabetic applicants, which means an expanded client base for you!
Please remember that individuals must meet all the following criteria to be considered for coverage, and other factors may affect the coverage decision also.
Pre-diabetes* or type 2 diabetes only
Applying for a CoreMed or OneDeductible plan with a deductible of at least $2,000
Resident of a state where a rating can be applied
Age 55 through 63
Not taking insulin, Byetta or other injectable medication for diabetes
No diabetes-related health complications (neuropathy, retinopathy with more than two lesions, kidney disease, coronary artery disease, peripheral vascular disease, cerebral vascular disease)
If Type 2 diabetes, no tobacco use within the past two years
* Pre-diabetes includes conditions of glucose intolerance, hyperglycemia, impaired fasting glucose, hyperinsulinemia, insulin intolerance and insulin resistance.
Also....
Effective date change and no prior coverage rating decrease in 17 states
For applications signed or submitted June 1, 2011, and later, when a client does not have prior coverage, please note a change to effective date rules. In AK, AL, AR, AZ, FL, GA, IN, MD, MI, MO, MN, MT, NE, OH, PA, SC, TN, TX, WI and WY, the first available effective date for clients with no prior coverage will be 30 days after the application signature/submission date. If that date falls on the 29th, 30th or 31st of the month, the next available effective date will be the first day of the following month.
Also, for plans with effective dates July 1, 2011, and later, the rating for applicants with no prior coverage will be decreased by 8.7% for OneDeductible plans, 8.7% for CoreMed plans with prescription copays and 4.9% for CoreMed plans with prescriptions subject to the plan deductible in AK, AL, AR, AZ, FL, GA, MD, MI, MO, MT, NE, PA, SC, TN, TX, WI and WY. These rate decreases are included in the state-specific rate changes that appear below.
The effective date delay is already in effect in CO, ID, IA, LA, ND, NV, SD, UT and WV.
And finally, a large rate decrease for these zips:
For effective dates July 1, 2011, and later, rates in Tampa/St. Petersburg (ZIPs 335-357 and 346) have been decreased 48% on OneDeductible and 29% on CoreMed for clients with prior coverage. For clients with no prior coverage, rates have been decreased 52% on OneDeductible and 32% on CoreMed.
Many more state-specific changes - view the agent update.
INDIVIDUAL MEDICAL
Diabetes ratings revised
The ratings for the Diabetes Program have been revised to allow for more diabetic and pre-diabetic applicants, which means an expanded client base for you!
Please remember that individuals must meet all the following criteria to be considered for coverage, and other factors may affect the coverage decision also.
Pre-diabetes* or type 2 diabetes only
Applying for a CoreMed or OneDeductible plan with a deductible of at least $2,000
Resident of a state where a rating can be applied
Age 55 through 63
Not taking insulin, Byetta or other injectable medication for diabetes
No diabetes-related health complications (neuropathy, retinopathy with more than two lesions, kidney disease, coronary artery disease, peripheral vascular disease, cerebral vascular disease)
If Type 2 diabetes, no tobacco use within the past two years
* Pre-diabetes includes conditions of glucose intolerance, hyperglycemia, impaired fasting glucose, hyperinsulinemia, insulin intolerance and insulin resistance.
Also....
Effective date change and no prior coverage rating decrease in 17 states
For applications signed or submitted June 1, 2011, and later, when a client does not have prior coverage, please note a change to effective date rules. In AK, AL, AR, AZ, FL, GA, IN, MD, MI, MO, MN, MT, NE, OH, PA, SC, TN, TX, WI and WY, the first available effective date for clients with no prior coverage will be 30 days after the application signature/submission date. If that date falls on the 29th, 30th or 31st of the month, the next available effective date will be the first day of the following month.
Also, for plans with effective dates July 1, 2011, and later, the rating for applicants with no prior coverage will be decreased by 8.7% for OneDeductible plans, 8.7% for CoreMed plans with prescription copays and 4.9% for CoreMed plans with prescriptions subject to the plan deductible in AK, AL, AR, AZ, FL, GA, MD, MI, MO, MT, NE, PA, SC, TN, TX, WI and WY. These rate decreases are included in the state-specific rate changes that appear below.
The effective date delay is already in effect in CO, ID, IA, LA, ND, NV, SD, UT and WV.
And finally, a large rate decrease for these zips:
For effective dates July 1, 2011, and later, rates in Tampa/St. Petersburg (ZIPs 335-357 and 346) have been decreased 48% on OneDeductible and 29% on CoreMed for clients with prior coverage. For clients with no prior coverage, rates have been decreased 52% on OneDeductible and 32% on CoreMed.
Many more state-specific changes - view the agent update.
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