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So....I know what I am doing this year........and these plans are community rated – there is no underwriting call 512-963-5000 for details....
AS OF JANUARY 2017 THE STATE OF TEXAS HAS BROUGHT BACK HUSBAND AND WIFE TWO MAN GROUPS. That’s right Texas HAS made all the health insurance company’s that are pulling out of the ACA or as it has been called OBAMACARE to bring back Husband and Wife two man groups.Are you sick of not having a PPO to choose from? Well now Texas has reinstated the Husband and Wife two man groups. That’s right you can get the same Health Insurance plans that the big company’s offer. And to top it off the rates are the same as your crappy Obamacare Plan.
Below is an excerpt from a recent Hot Topic e-mail that was sent today by BCBSTX. I wanted to reiterate and add some detail as I have had many recent discussions on the qualifications of small groups. Many will be impacted by this change.
Based on a new communication from the Texas Department of insurance, BCBSTX will approve groups that are owned by 2 spouses or owned by 1 spouse and employ the other. Other group micro group qualifications are not changed.
In order for 2 life spouse groups to be accepted employment of one spouse and ownership of the other must be documented. Alternatively ownership by both spouses must be documented. If specific documentation of either of these situations is not present, I do not believe that the group will be approved.
Small Group (1-50): TDI Updates FAQ on “Mom and Pop” Businesses
On Dec. 1, 2016, the Texas Department of Insurance (TDI) issued and expanded its Frequently Asked Questions (FAQs) related to “Mom and Pop” groups.Under the FAQs, TDI specifies that issuers cannot refuse to accept or non-renew businesses comprised solely of two employees who are married to each other, for small group (1-50) coverage.
Documentation Requirements
Paperwork submission requirements have not changed. Please continue to submit the Employer Group Information (EGI) form and other required documents. We request that producers with businesses applying for new coverage on or after Dec. 1, 2016, who are impacted by this FAQ (i.e., businesses comprised solely of two employees who are married to each other), include a note with the case submission indicating that the applicants are married to each other.
For additional questions, please contact your Blue Cross and Blue Shield of Texas Sales Representative.
Here is the paperwork BCBS requires to enroll a new group.
1.Small Employer Benefit Program Application (BPA)
2.Employee applications
3.Signed BCBS quote
4.Proof of wages (TWC report or other payroll documents)
5.Texas Supplemental Employee Verification form – needs to list out any employees who are not on the TWC report.
6.Proof of business – required only in TWC is not available
7.Employer Group Information form
8. EFT form or physical check for 1st month’s premium.
Husband and Wife Two Man PPO Health Insurance in Texas is back
Husband and Wife Two Man PPO Health Insurance in Texas is back
AS OF JANUARY 2017 THE STATE OF TEXAS HAS BROUGHT BACK HUSBAND AND WIFE TWO MAN GROUPS. That’s right Texas HAS made all the health insurance company’s that are pulling out of the ACA or as it has been called OBAMACARE to bring back Husband and Wife two man groups.Are you sick of not having a PPO to choose from? Well now Texas has reinstated the Husband and Wife two man groups. That’s right you can get the same Health Insurance plans that the big company’s offer. And to top it off the rates are the same as your crappy Obamacare Plan.
Below is an excerpt from a recent Hot Topic e-mail that was sent today by BCBSTX. I wanted to reiterate and add some detail as I have had many recent discussions on the qualifications of small groups. Many will be impacted by this change.
Based on a new communication from the Texas Department of insurance, BCBSTX will approve groups that are owned by 2 spouses or owned by 1 spouse and employ the other. Other group micro group qualifications are not changed.
In order for 2 life spouse groups to be accepted employment of one spouse and ownership of the other must be documented. Alternatively ownership by both spouses must be documented. If specific documentation of either of these situations is not present, I do not believe that the group will be approved.
Small Group (1-50): TDI Updates FAQ on “Mom and Pop” Businesses
On Dec. 1, 2016, the Texas Department of Insurance (TDI) issued and expanded its Frequently Asked Questions (FAQs) related to “Mom and Pop” groups.Under the FAQs, TDI specifies that issuers cannot refuse to accept or non-renew businesses comprised solely of two employees who are married to each other, for small group (1-50) coverage.
Documentation Requirements
Paperwork submission requirements have not changed. Please continue to submit the Employer Group Information (EGI) form and other required documents. We request that producers with businesses applying for new coverage on or after Dec. 1, 2016, who are impacted by this FAQ (i.e., businesses comprised solely of two employees who are married to each other), include a note with the case submission indicating that the applicants are married to each other.
For additional questions, please contact your Blue Cross and Blue Shield of Texas Sales Representative.
Here is the paperwork BCBS requires to enroll a new group.
1.Small Employer Benefit Program Application (BPA)
2.Employee applications
3.Signed BCBS quote
4.Proof of wages (TWC report or other payroll documents)
5.Texas Supplemental Employee Verification form – needs to list out any employees who are not on the TWC report.
6.Proof of business – required only in TWC is not available
7.Employer Group Information form
8. EFT form or physical check for 1st month’s premium.
Husband and Wife Two Man PPO Health Insurance in Texas is back
Husband and Wife Two Man PPO Health Insurance in Texas is back
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