Small Business Application

Transcription

1 Small Business Application for Group Enrollment Agreement/Group Policy Medical and Life/AD&D plans are provided by Health Net of Arizona, Inc. and/or Health Net Life Insurance Company (together, Health Net ). In Arizona, Health Net of Arizona, Inc. underwrites benefits for HMO plans, and Health Net Life Insurance Company underwrites benefits for indemnity plans and life insurance coverage. Health Net Life Insurance Company s Dental PPO and dental indemnity insurance plans are provided by Unimerica Insurance Company and administered by Dental Benefit Providers, Inc. (together, the DBP Entities ). Health Net Life Insurance Company s Vision plans are provided by Fidelity Security Life Insurance Company and serviced by EyeMed Vision Care, LLC (together, the Fidelity Entities ). Neither the DBP Entities nor the Fidelity Entities are affiliated with Health Net. Obligations under dental and vision plans are neither obligations of, nor guaranteed by, Health Net Life Insurance Company. Application is hereby made for a Group Enrollment Agreement/Group Policy provided by Health Net, Unimerica Insurance Company and/or the Fidelity Entities, the provisions of which are to be made available to all eligible employees, as defined, and their eligible dependents, as defined, desiring coverage hereunder. The following information regarding employee data is being submitted to allow Health Net, the DBP Entities and/or the Fidelity Entities to determine the eligibility of employees seeking enrollment. Welcome to Health Net Simple steps for completing the form: 1. Carefully review and select the plan option(s) that are best for your business. 2. Make a copy of the completed application for your records. If a correction is needed, cross out and initial each correction. Please do not use a white-out product. Health Net Medical: (English) Health Net Life: Health Net Dental: Health Net Vision: For administrative use only: New and Existing Business/Group Please send all completed paperwork to your designated account executive or broker. HNM

2 1. Health plan information (Select coverage.) Pediatric vision is included in all medical plans. Health Net Life Insurance Company: PPO Platinum: $15/$30/$350 $15/$30/$500 $15/$30/$750 Gold: $20/$40/$500 $20/$40/$1,000 $20/$40/$2,000 Silver: 20%/20%/$1,500 20%/20%/$2,000 30%/30%/$1,500 30%/30%/$2,000 30%/30%/$2,000 (HSA) 20%/20%/$2,000/$5,000 (HSA) 20%/20%/$2,000/$6,350 (HSA) Bronze: 50%/50%/$5,500 Health Net of Arizona, Inc.: HMO Platinum: $15/$30/$350 $15/$30/$500 $15/$30/$750 Gold: $20/$40/$500 $20/$40/$1,000 $20/$40/$2,000 Silver: $30/$50/$1,500 $30/$50/$2,000/$5,000 $30/$50/$2,000/$6,350 Health Net of Arizona, Inc.: CommunityCare HMO Platinum: $15/$30/$3,000 $20/$40/$2,000 $20/$40/$4,000 Gold: $25/$50/$5,000/$600 $30/$60/$6,000/$500 $30/$60/$6,000/$750 Silver: $30/$50/$2,000 $45/$65/$1,500 20%/20%/$2,000 Bronze: 40%/40%/$3,500 (HSA) 40%/40%/$5,000 (HSA) Ancillary options Buy-Up Dental (Health Net Life Insurance Company: DPPO) Adult Vision (Health Net Life Insurance Company: PPO) Green 2 Green 5 White 6 Elite Supreme Preferred Purchasing pediatric dental coverage with Health Net? Yes No Notice: If No, I confirm that I am purchasing pediatric dental coverage with another carrier as required by the ACA mandate. The health care reform law requires pediatric dental services to be covered as one of the 10 required essential health benefits. 2. Life and AD&D benefit selection Option A $15,000 flat amount for all employees. Option B $25,000 flat amount for all employees (15 50 employees). Option C $50,000 flat amount for all employees (25 50 employees). 3. Employer group information (For changes to existing coverage, please complete only sections 3, 4, 5, 6, and 10.) Corporate name (including DBA): Tax ID number (TIN): Corporation Sole proprietor Partnership Other: Physical street address: City: State: ZIP: County: SIC: Total number of employees worldwide: Billing address: City: State: Zip: Administrator contact: Phone number: address: Billing contact: Phone number: address: COBRA administrator: Phone number: address: Cobra billing: Phone number: address: 4. Effective date information Requested effective date (mm/dd/yy) Medical Dental Vision Life and AD&D Requested renewal date (mm/dd/yy) HNM

3 5. Eligibility information Total number of employees (including those in the probationary period): Full-time employees: Part-time employees: Number of waivers: Total number of employees applying for coverage: Total number of employees eligible for coverage: Are there any eligible employees/dependents who reside outside of the State of Arizona? Yes No If Yes, please list employee(s) below. Attach additional sheets if necessary. Name: Location (city, state, ZIP): Name: Location (city, state, ZIP): Does employer wish to offer domestic partner coverage? Yes No Please note PPO groups only: In accordance with California Insurance Code, sections and , effective January 1, 2012, Arizona employer groups who have employees that reside in California must provide the California residents with domestic partner coverage equivalent to the spouse coverage offered. Number of employees terminated in the last 12 months: Is the group required to provide COBRA continuation coverage? Yes No Total number of COBRA continuants: Total number of COBRA continuants in election period: 6. Employer s probationary period 1. Will there be eligibility conditions that will apply prior to the probationary period? Yes No (e.g., being in an eligible job classification, achieving job-related licensure requirements, or satisfying a reasonable and bona fide employment-based orientation period ). 2. Employer s probationary period for new hires/rehires First of the month following: Date of hire 1 month 30 days 60 days 3. Do you want to waive the probationary period for all enrollees at initial enrollment? Yes No 4. Employee eligibility Hours per week: 7. Employer contribution (Employer contribution for Health is a minimum of 50% or $100 per single employee premium and for Life is 100% (2 9 enrollees) and 50% (10 50 enrollees).) Employee Health: % or $ Employee Life: % Employee Dental: % Employee Vision: % Dependent Health: % or $ Dependent Dental: % Dependent Vision: % Note: Dental and Vision can be either voluntary or employer-paid. If employer-paid, you must complete the employer contribution section. If you select Dental and/or Vision with no contribution, indicate Current carrier (List carrier if any.) Is your company currently active with other health insurance? Yes No If so, will you be canceling your other health insurance if approved with Health Net? Yes No Current health insurance carrier: Is Health Net the only plan offering (sole carrier)? Yes No If No, list other carrier(s) or administrator(s): Workers compensation carrier: Number of employees not covered by worker s compensation: (Employers required to have workers compensation must have a policy in effect to be eligible with Health Net.) HNM

4 9. Underwriting criteria (continued) General conditions (continued) 1. The issuance of coverage and a Group Enrollment Agreement and/or Group Policy is subject to underwriting review and approval by Health Net, Unimerica Insurance Company, and/or the Fidelity Entities and receipt of the first month s premium. The initial quoted rates are subject to the Health Net Entities, Unimerica Insurance Company, and/or the Fidelity Entities review and revision based on actual enrollment and any other variations in the group from conditions outlined in the Underwriting Assumptions. 2. Coverage will be effective on the noted effective date if the Application is accepted and approved by Health Net, Unimerica Insurance Company and/or the Fidelity Entities as appropriate. 10. Important, read carefully Health Net reserves the right to retroactively adjust the rates provided if information subsequently received from the group about its eligible employees/dependents indicates this information was incomplete or inaccurate or a material misrepresentation was made in the Application, and such information would have materially affected the rate calculation. Further, the proposal quotation may be invalidated or an enrolled group may be retroactively terminated and all premiums refunded if any material misrepresentations or omissions are found. I understand that Health Net is relying on the information provided herein and considers it material to the insurance risk assumed by Health Net. Renewal premiums for small groups are based on the following factors: (1) the medical inflation rate; (2) changes in coverage; (3) changes to the demographic characteristics of the group; (4) changes in the geographic area in which your business resides; Premiums are guaranteed for one year and will not be changed mid-year except for: (1) statutory changes mandating a mid-year benefit change; (2) any changes in benefits or enrollment criteria requested by you. Applicant, in the event this Application is accepted, agrees to cooperate with Health Net in complying fully with the requirements of section 2715 of the Public Health Service Act to disclose summary plan and benefit information to eligible and renewing plan participants and beneficiaries. Applicant acknowledges that it has received information provided by Health Net, Summary of Benefits and Coverage to Eligible and Covered Persons Instructions for Reproduction and Distribution and agrees to assume the responsibilities assigned to the Group thereunder. The following standard minimum participation and contribution requirements apply unless modified in quote or renewal Underwriting Assumptions. Minimum Contribution is defined as: The employer contribution toward Health Net premium must be equal to or greater than 50% or $100 per employee single premium. Minimum Participation is defined as: For groups of 1 5 eligible employees, 70% participation is required. For groups of 6 50 eligible employees, 50% participation is required, excluding valid waivers. Failure to maintain these minimum contribution and minimum participation requirements may result in termination or nonrenewal. The Company (and broker by signing below) certifies that the information provided on this document is complete and accurate. The Company shall notify Health Net promptly of any changes in this information that may affect the eligibility of employees or their dependents, including the addition of any newly hired eligible employees or dependents and the termination or resignation date of any employees who are terminated by the employer. All coverages, enrollment provisions, eligibility requirements, benefits, limitations, and exclusions have been thoroughly explained to eligible employees. The undersigned hereby acknowledge responsibility for obtaining and for sending an electronic or printed copy of the Summary of Benefits and Coverage document ( SBC ) to plan participants and beneficiaries. To retrieve your group s SBCs, go to Acceptance of this Application is subject to final approval by Health Net and shall be based upon all information supplied by the Company, the requested benefits, and any other information obtained from outside sources which Health Net deems appropriate. Upon acceptance by Health Net, this Application shall be attached to and shall become part of the Group Enrollment Agreement (the GEA ). The GEA may be terminated by Health Net for the group s failure to meet certain obligations under the GEA, including, but not limited to, maintaining the agreed-upon group contribution and employee and/or dependent participation levels as set forth in the contract. Officer of the company signature: Officer title: Date: Applicant's signature above confirms: 1) Applicant s agreement to all the terms and conditions set out in this Application, including the Conditions of Enrollment and Underwriting Assumptions; and 2) the accuracy and completeness of the information that the Applicant has entered in this Application. HNM

5 11. Broker information Broker 1 Broker name: Health Net broker ID #: Department of Insurance license #: Tax ID #: Agency name: Phone #: Fax: Address: City: State: ZIP: Broker signature: Date: Account executive name/code: Date: Broker commission split: Broker 2 Broker name: Health Net broker ID #: Department of Insurance license #: Tax ID #: Agency name: Phone #: Fax: Address: City: State: ZIP: Broker signature: Date: Account executive name/code: Date: Broker commission split: General agent Name of agency: General agent/id: General agent representative signature: Date: General agent verification: Open Enrollment materials provided to the Employer included the applicable Summary of Benefits and Coverage (SBC). The Employer s method of distributing the SBC during Open Enrollment is consistent with Health Net s instructions for reproduction and distribution. 12. For Health Net use only Underwriter signature: Date: Approved: Billing #: Effective date: Medical Dental Vision Declined: Medical Dental Vision Representative signature: Date: Group # (Health): Policyholder # (Life): Medical plan: Health Net of Arizona, Inc. underwrites benefits for HMO plans, and Health Net Life Insurance Company underwrites benefits for indemnity plans and life insurance coverage. Health Net of Arizona, Inc. and Health Net Life Insurance Company are subsidiaries of Health Net, Inc. Health Net is a registered service mark of Health Net, Inc. All rights reserved. HNM

6 Ensure Your Employees Understand Their Health Care Summary of Benefits and Coverage to eligible and covered persons Instructions for reproduction and distribution. Affordable Care Act (ACA) 1 requirement for employers that sponsor group health plans As required by the ACA, health plans and employer groups must provide the Summary of Benefits and Coverage (SBC) to eligible employees and family members, who are: currently enrolled in the group health plan; or eligible to enroll in the plan, but not yet enrolled; or covered under COBRA continuation coverage. Health Net of Arizona, Inc. and Health Net Life Insurance Company (Health Net) are committed to ensuring compliance with all timing and content requirements with regard to the distribution of the SBC. To meet this goal, you are required to provide the SBC in the exact and unmodified form, including appearance and content, as provided to you by Health Net. Please follow the instructions below so you will know how to distribute the SBC. SBC form and manner You may provide the SBC to eligible or covered individuals in paper or electronic form (i.e., or Internet posting). If you provide a paper copy, the SBC must be in the exact format and font provided by Health Net, and, as required under the ACA, must be copied on four double-sided pages. If you mail a paper copy, you may provide a single SBC to the employee s last known address, unless you know that a family member resides at a different address. In that case, you must provide a separate SBC to that family member at the last known address. For covered individuals, you may provide the SBC electronically if certain requirements from the U.S. Department of Labor are met. 2 If you the SBC, you must send the SBC in the exact electronic PDF format provided to you by Health Net. If you post the SBC on the Internet, you must advise your employees by or paper that the SBC is available on the Internet, and provide the Internet address. You must also inform your employees that the SBC is available in paper form, free of charge, upon request. You may use the Model Language below for an e-card or postcard in connection with a website posting of an SBC: (continued) 126 C.F.R ; 29 C.F.R ; and 45 C.F.R Such requirements can be found at 29 C.F.R b-1(b). This document is provided to you as a customer courtesy and is not intended to be legal advice. Please consult with your own legal counsel to determine your responsibilities under the SBC regulations of the Affordable Care Act.

7 Availability of Summary Health Information As an employee, the health benefits available to you represent a significant component of your compensation package. They also provide important protection for you and your family in case of illness or injury. Your plan offers a series of health coverage options. Choosing a health coverage option is an important decision. To help you make an informed choice, your plan makes available a Summary of Benefits and Coverage (SBC). The SBC summarizes important information about any health coverage option in a standard format to help you compare across options. The SBC is available online at: <[group s website.com]>. A paper copy is also available, free of charge, by calling the toll-free number on your ID card. Timing of SBC distribution Upon application. If you distribute written application materials, you must include the SBC with those materials. If you do not distribute written application materials for enrollment, you must provide the SBC by the first day the employee is eligible to enroll in the plan. Special enrollees. For special enrollees 3, you must provide the SBCs within 90 days following enrollment. Upon renewal. If open enrollment materials are required for renewal, you must provide the SBC no later than the date on which the open enrollment materials are distributed. If renewal is automatic, you must provide the SBC no later than 30 days prior to the first day of the new plan year. If your group health plan is renewed less than 30 days prior to the effective date, you must provide the SBC as soon as practicable, but no later than 7 business days after issuance of new policy or the receipt of written confirmation of intent to renew your group health plan. At the time your plan renews, you are not required to provide the Health Net SBC to an employee who is not currently enrolled in a Health Net plan. However, if an employee requests a Health Net SBC, you must provide the SBC as soon as you can, but no later than 7 business days following your receipt of the request. Notice of SBC modification Occasionally, there will be material change(s) to the SBCs other than in connection with a renewal, such as changes in coverage. You must provide notice of the material changes to employees no later than 60 days prior to the date on which change(s) become effective. You must provide this notice in the same number, form and manner as described above. When such changes are initiated by Health Net, Health Net will provide you with modified SBCs for distribution. Uniform glossary Employees and family members can access a glossary of bolded terms used in the SBC by visiting or by calling Health Net at the number on the ID card to request a copy. Health Net shall provide a written copy of the glossary to callers within 7 business days after Health Net receives their request. If you have any questions, please contact your Health Net client manager. 3 Special enrollees are individuals who request coverage through special enrollment. Regulations regarding special enrollment are found in the U.S. Code of Federal Regulations, at 45 C.F.R ; 26 C.F.R ; and 29 C.F.R This document is provided to you as a customer courtesy and is not intended to be legal advice. Please consult with your own legal counsel to determine your responsibilities under the SBC regulations of the Affordable Care Act. Health Net of Arizona, Inc. underwrites benefits for HMO plans, and Health Net Life Insurance Company underwrites benefits for indemnity plans and life insurance coverage. Health Net of Arizona, Inc. and Health Net Life Insurance Company are subsidiaries of Health Net, Inc. Health Net is a registered service mark of Health Net, Inc. All rights reserved.