ConnectiCare | SalesCall
ConnectiCare | SalesCall
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May 2020 - In this issue
Commercial
Medicare Advantage plans
For all brokers
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Find providers in our new national network for FlexPOS plans
ConnectiCare will begin to offer First Health, an Aetna subsidiary, as a national network to large and small employer groups considering FlexPOS plans. This will start with groups that renew or enroll on Aug. 1, 2020.
Beginning next week (June 1), you’ll be able to search providers in the First Health national network using our Find a Doctor tool. Choose “FlexPOS national network” under type of plan. This will redirect you to look for providers outside the Connecticut area.
The First Health network will increase provider options for members and give members better value when they have deductibles or coinsurance costs. First Health has about 968,000 health care providers, including 700,000 specialists and 5,900 hospitals.*
*Source: First Health, as of December 2019.
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Reminder: Help clients who are losing coverage with plans from ConnectiCare
The economic turbulence caused by the coronavirus (COVID-19) pandemic has many people searching for health insurance. Do you have clients who:
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Are losing health insurance coverage through an employer, spouse, parent, or domestic partner?
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Have individual plans but have had a drop in income?
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Are eligible for Medicare?
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In all the cases above, ConnectiCare can help. We offer individual and family plans through Access Health CT, the state’s insurance marketplace; SOLO individual and family plans; and Medicare Advantage plans.
Let your clients know they can reach out to you, or they can:
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Call us at 1-877-530-1222 (plans for individuals under age 65) or 1-877-224-8221 (TTY: 711) (Medicare-eligible individuals). Medicare lines are open 8 a.m. to 8 p.m., seven days a week.
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Visit accesshealthct.com for Access Health CT plans.
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Get a quote for individual SOLO plans.
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Share this flyer on options for individual health insurance in the state of Connecticut.
Note: ConnectiCare will pay commission in 2020 on clients who qualify for a special enrollment period due to a qualifying life event.
This is intended to be used for general information purposes only and should not be relied upon as containing complete information regarding special enrollment periods or eligibility criteria for enrollment. An individual will not be enrolled under a special enrollment period until an application is completed, reviewed, and sufficient proof of an individual’s qualifying event is provided.
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Small group administration moves to CBIA
A reminder: ConnectiCare is expanding our relationship with the Connecticut Business & Industry Association (CBIA) to include administration of most fully-insured small group plans. ConnectiCare plans will also continue to be available through Access Health CT.
Brokers will go directly to CBIA or Access Health CT to enroll groups in ConnectiCare small-group plans. This change will take effect for new and renewing plans with effective dates starting Aug. 1.
ConnectiCare will continue to administer current groups until they are migrated to CBIA administration. You will be notified as your clients are migrated.
CBIA membership and dues are not required for businesses who purchase small group ACA plans. With this change, broker commissions will be paid through CBIA. CBIA will also manage premium billing, and the broker and employer web portals.
Advantages of CBIA administration:
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You’ll be able to view group and membership information (and make changes) before enrollment dates through the CBIA broker website.
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Groups will be able to pay premium invoices online from a checking or savings account (in addition to by check or electronic funds transfer, or EFT). Download EFT form here.
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A small group employer may select a maximum of five (5) plans.
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What’s not changing:
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Your ConnectiCare sales and account team will continue to support your new sales and client relationships. CBIA account management will support installation of both renewals and new accounts. This contact guide has the phone numbers, email addresses, and web addresses you’ll need.
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ConnectiCare will continue to develop new products that meet the market’s needs and demands.
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Groups that do not become CBIA Health Connections members will continue to use ConnectiCare enrollment forms. Please visit cbia.com/connecticare-forms to access forms. Please note the updated fax, mailing, or email instructions for where to submit the forms.
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ConnectiCare renewing groups should complete the renewal response and group size certification forms. An enrollment change form should only be completed for new member enrollments or changes.
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Health savings or health reimbursement (HSA or HRA) account integration through HealthEquity or another third party will continue.
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As a reminder:
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New and renewing groups with effective dates starting Aug. 1 will have a nationally known telemedicine provider in Teladoc®.
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Employees and their covered dependents will get new member ID numbers and cards. The letter with the ID card will instruct members to use only the new card when visiting a doctor, picking up a prescription, or visiting another health care provider after their plan’s effective date.
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All group ID numbers will update upon migration to CBIA starting Aug. 1, 2020. Migrating groups will receive their new group ID numbers in the month before their effective dates.
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All coverage with the exception of newborns and adoptions are effective on the first of the month following the waiting period. A group’s new hire waiting period can be the first of the month following 0, 30, 60, or 90* days. Groups whose current waiting period is 0, 30, or 60 days will be defaulted to the first of the month following that waiting period unless otherwise noted.
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We created an employer guide to small-group changes that you can use with your employer groups to review the changes.
CBIA is available to guide you through the renewal process. Call 1-860-525-2242 or email CCIADMIN@CBIA.com with any additional questions.
*An orientation period of up to one month is permitted. The 90-day waiting period must begin on the first day after the orientation period.
ConnectiCare® is the brand name used for products and services provided by one or more ConnectiCare group of subsidiary Companies. Coverage is provided by and services are administered as follows: In Connecticut, Group HMO & POS coverage is underwritten by ConnectiCare, Inc. FlexPOS, SP/Self-funded services, and Dental coverage is underwritten and provided by ConnectiCare Insurance Company Inc., and its affiliates, with services administered through DentaQuest LLC. CBIA Service Corporation provides certain administrative services to ConnectiCare Insurance Company, Inc. and its affiliates for a fee.
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CMS issues SEP for eligible Medicare beneficiaries from March 1-June 30, 2020
The Centers for Medicare & Medicaid Services (CMS) recently issued a special enrollment period (SEP) for eligible beneficiaries to enroll or disenroll in a Medicare plan.
The purpose of this SEP is to give an eligible beneficiary (someone who was unable to and did not make an election during another valid election period because of an emergency or major disaster) an opportunity to make an enrollment or disenrollment request.
To be eligible for this SEP:
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The beneficiary must reside, or have resided, in an area the Federal Emergency Management Agency (FEMA) declared as an emergency or major disaster from March 1-June 30, 2020; AND
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The beneficiary must have had another valid election period at the time of the incident; AND
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The beneficiary must not have made an election during that other valid election period.
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The SEP is also available to those individuals who don’t live in the affected areas but rely on help making healthcare decisions from friends or family members who live in the affected areas.
This SEP, officially referred to as "Special Enrollment Period (SEP) for Individuals Affected by a FEMA-Declared Weather-Related Emergency or Other Major Disaster: Applicable for COVID-19," is its own separate SEP and is not an extension of the Initial Enrollment Period for Part D (IEP for Part D) or Initial Coverage Election Period (ICEP).
The purpose of this SEP is to give an eligible beneficiary another election period to use if they missed their IEP for Part D, ICEP, or any other SEP, as defined by CMS.
Please note: you cannot proactively market this SEP. We are only providing this for your information.
For more information, read the full May 5, 2020 memo on the CMS website or contact your ConnectiCare sales representative.
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No-cost telehealth benefits extended through June
Caution is key to controlling spread of COVID-19. ConnectiCare members can continue to use telehealth for covered medical and mental health services without paying a deductible, copayment, or coinsurance through June 30.
No-cost telehealth visits apply to any illness or injury – not just coronavirus (COVID-19). Members must, however, use in-network primary care doctors, specialists, or mental health clinicians.
COVID-19 testing coverage extended, too
ConnectiCare members will not pay cost shares for tests to diagnose COVID-19 or the visit to a doctor or other health care provider. This policy is in effect for as long as there is a public emergency.
Find answers to questions about COVID-19 coverage on our website: for commercial members and for Medicare members.
The benefits described above apply to fully-insured plans. Self-funded employer groups may have different coverage.
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Questions from the Chief Sales Officer
Earlier this month, Chief Sales and Marketing Officer Brian Pagliaro sent an email to ask about your experience working with ConnectiCare. Your feedback will help him and his team better support you. (Plus, you could win a $50 VISA gift card for responding!) If you haven’t already, please take a few minutes to complete the short survey.
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© 2020 ConnectiCare | 175 Scott Swamp Road | Farmington, CT 06032 | Privacy Policy| Social Media Policy
ConnectiCare is a brand name used for products and services provided by ConnectiCare Insurance Company Inc., and its affiliates, members of the EmblemHealth family of companies.
ConnectiCare, Inc. is an HMO/HMO-POS plan with a Medicare contract. Enrollment in ConnectiCare depends on contract renewal.
ConnectiCare Insurance Company, Inc. is an HMO SNP plan with a Medicare contract and a contract with the Connecticut Medicaid Program. Enrollment in ConnectiCare depends on contract renewal.
Coverage is provided by and services are administered as follows: In Connecticut: Group HMO and POS coverage, and Individual HMO coverage is underwritten by ConnectiCare, Inc.; Group coverage for coinsurance plans and Individual POS coverage is underwritten by ConnectiCare Insurance Company, Inc. In Massachusetts: Group HMO and POS coverage is underwritten by ConnectiCare of Massachusetts, Inc. FlexPOS, PPO coverage, ASO/Self-funded services, and Dental products are administered or underwritten by ConnectiCare Insurance Company, Inc.
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