Blue Cross of Georgia - George E Daniel Jr - Agent, Daniel Health Insurance - Blue Cross Blue Shield Rates and Premiums, Georgia Health Insurance - Blue Cross Blue Shield of Georgia Health Insurance

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Rate Generator Version Verification and Update Instructions

Rate Generator- Online Quoting for Premier, SmartSense and Short Term

GA AGENT GUIDE

Online tools help to bring clarity to health care reform

Keeping up with health care reform law changes can be tricky. Wouldn't it be nice if the information you need is available in one place? We thought so, too. That's why Blue Cross and Blue Shield of Georgia has developed a website dedicated to health care reform. Learn about the tools - a small business tax credit calculator and grandfathering decision tool - available through the website.

Health care reform snapshot

Here's a quick review of last month's health care reform news. To learn more, visit our new health care reform website.

Health care reform and student health plans (November 19)

Important Individual HCR Product Update

Since the introduction of the Patient Protection and Affordable Care Act (PPACA), we've been working to create a product portfolio that blends mandated benefits with consumer choice. It's our goal to continue to offer a wide selection of plans for individuals and their families that you, our valued business partner can count on, now and in the future.

We are currently in the process of satisfying the necessary regulatory approvals and updating our systems to quote and administer the revised products. We will be able to communicate our approved PPACA-compliant plans shortly.

Until we are ready to introduce these plans, we will offer an interim portfolio that includes mandated benefits, with most plans at today's rates. Most of the products offered will look familiar to you. Additionally, we are pleased to introduce a new product into our portfolio, Premier Plus POS. See below for details on all of our Initial Product Offerings, effective September 20, 2010:

Interim PPACA-Compliant Product Offerings	Change in Benefits Post 9/20/10	Available Rates for Use:
SmartSense Plus POS	· Unlimited Lifetime Maximums · Dependent age to 26 · In Network Preventive covered at 100% not subject to deductible · Removed any annual dollar maximums · No pre-existing on children <19 · Remove $500 deductible on brand drugs for the enhanced drug coverage	SmartSense POS 3^rd Quarter 2010 Rates
Tonik	· Unlimited Lifetime Maximums · In Network Preventive covered at 100% not subject to deductible · Removed any annual dollar maximums · No pre-existing on children <19	Tonik 4^th Quarter 2010 Rates
Short Term	No change; not affected by Health Care Reform or PPACA.	Current Short Term 2010 Rates
Premier Plus POS	NA; new product. Key selling points: small coinsurance %, built in vision exams, maternity rider available on deductible plans of $2,500 or greater.	Premier Plus POS 4^th Quarter 2010 Rates

In addition to the products listed above, we will continue to offer the following guaranteed issued products with the appropriate PPACA reflected mandates:

Blue Value Select HCTC
GA Health Insurance Assignment Plan
GA Conversion
GA Enhanced Conversion

The following products will not be available for new sales with effective dates after September 22, 2010:

BlueChoice HSA (HDHP PPO plans)

Important Quoting and Selling Information for our initial product portfolio

ITEM	LOCATED ON	AVAILABLE
Online Quoting tools and application	PlanFinder Individual Producer Site	09/20/2010
Sales materials	Merrill Connect via the Individual Producer Site	09/18/2010
Paper application	Click here for current application	Immediately

Look for additional training coming from your RSM to discuss further details of the Initial Product Portfolio.

All of the initial health care reform products offer next day effective dates, so the first effective date for sales on Monday, September 20^th will be on Tuesday, September 21^st.

Additional Information

§ We will notify you when the rest of our health care reform product portfolio is available.

§ The current application will be used for the 9/20 product offerings. As always, we value our partnership with you.

§ The Agent Services Renewal Quoting tool will be unavailable until late October for 1st quarter 2011 renewal quoting while the rating tables are updated.

§ The applications submitted after 9/20/2010 will not be available on the Applicants portion of AgentServices until 9/23/2010. For application status, you can contact broker services at gabrokerservices@bcbsga.com.

§ The downgrade options and rates provided in the October rate notices will be honored through October 1, 2010 and will follow their standard renewal schedule.

§ You will receive an updated product movement options grid in a separate communication.

Thank you for your continued patience through this process. We recognize our responsibility to continue to serve our business partners and offer you alternatives for your customers. We value the relationship we've developed with you over the years and remain committed to the Individual market. We look forward to continuing to offer your clients the quality coverage options they want and need!

If you have any questions, please contact your local regional sales manager or Broker Services at 866-215-4879.