VISION UNDERWRITING GUIDELINES SMALL GROUP AETNA AMERITAS PRODUCT OFFERINGS Product Combinations Single plan option. (Same rates regardless of contribution/participation) Dual Choice: Focus/Vision Perfect, or ViewPointe/Vision Perfect. Available with 50+ eligible. Triple Choice: Available to groups between 100-1,000 eligible. Voluntary Product Combinations Same as above Product Combinations. Same as above Product Combinations. Network EyeMed Varies by plan: EyeMed VisionCare Access, EyeMed Select, VSP Signature, & VSP Choice Group Size 2-50 enrolling. 3–2,000. DE-9C not required. Stand-Alone Yes. Yes. Rate Guarantee 4 years. 24 months. Admin Fee None. None. Contribution 0-100% of employee cost. Minimum 25% of employee cost. Participation Minimum 2 enrolled. Minimum 60% of eligible employees. Employer may specify if employees can waive when 100% ER contribution. Voluntary Plan Contribution 100% employee paid. 100% employee paid. Voluntary Plan Participation Minimum 2 enrolled. Minimum 3 enrolled. Out-of-State No maximum. No maximum. Carve-Outs Union carve-outs are allowed with a minimum of 5 enrolled employees who reside within the CA network service area; total group population (union+non-union) must be 50 or less. Available, rules may vary based on each groups demographics. 1099 Employees Not eligible. 1099’s may be eligible, determined on the groups specific demographics. Owner Only Groups Corporations: Eligible if there is at least one W-2 employee enrolling in medical. If the only employees are owners and/or spouses, and they are W-2, the group is eligible. All other types: Not allowed. Must have at least one nonspouse, “common law” employee on the DE-9C and enrolled in medical. Allowed. Industry Loads None. None. Open Enrollment Yes. Yes; EE only. Section 125 plan is required. Open enrollment must coincide with Section 125 election period. Load applies. Dependent Eligibility Up to age 26. Up to age 19 or up to age 24 if a full-time student. ELIGIBILITY Rev. Date 2/10/15 Page 1 of 4 VISION UNDERWRITING GUIDELINES ANTHEM BLUE CROSS CALCPA PRODUCT OFFERINGS Product Combinations Employer may elect single plan or dual option. Single plan option. Voluntary Product Combinations Employer may elect single plan or dual option. Not available. Network Anthem Blue View VSP Signature Network or VSP Choice Network Group Size 2–50. DE-9C required. 2–50 eligible and enrolled. DE-9C required. Must be headquartered in CA. Available to accounting firms in public practice or firms offering general financial services (SIC 8721). To be eligible, more than 50% of all of the firm’s owners (principals, proprietors, partners, shareholders, or other owners) must be CPA members of CalCPA, or Associate members of CalCPA. All CPA owners must be members of CalCPA in good standing. Stand-Alone Yes. Must be written alongside medical. Rate Guarantee 24 months. 12 months. Admin Fee None. None. Contribution Minimum 50% of employee cost. Minimum 100% of employee premium. Participation Minimum 75% of eligible employees. If 100% employer paid then 100% participation required. 100% of eligible employees must enroll. Voluntary Plan Contribution Less than 50% employer contribution; may be 100% employee paid. Not available. Voluntary Plan Participation Minimum 10 enrolled. Not available. Out-of-State 49% maximum. 49% maximum. Carve-Outs Due to PPACA: Management vs. Non-Management Carve-outs are not eligible. Allowed with minimum of 5 enrolled. Union/Non Union carve outs are guaranteed issue with 5 min enrolled only when the total group size with the Union employees is 50 or fewer. Not allowed. 1099 Employees Not eligible. Not eligible. Owner Only Groups A sole proprietorship is ineligible without a common law employee. A spouse does not constitute a common law employee (refer to employee eligibility requirements). Owners, that are not spouses, may demonstrate that they meet the eligible employee criteria by providing W-2s or completing the Eligibility Statement. Allowed, includes husband/wife groups. Industry Loads None. None. Open Enrollment Yes. Open Enrollment occurs once a year through Nov-Dec, and all changes are effective January 1. Dependent Eligibility Up to age 26. Up to age 26. ELIGIBILITY Rev. Date 2/10/15 Page 2 of 4 VISION UNDERWRITING GUIDELINES CALIFORNIACHOICE® HEALTH NET METLIFE PRODUCT OFFERINGS Product Combinations Single plan option; discount program. Single plan. Single plan. Voluntary Product Combinations Single plan option. Single plan. Single plan. Network EyeMed EyeMed MetLife 2–50. DE-9C required. 2–50. Must have 2 enrolled. DE-9C required. 5–50 Book Rated. Must be in business at ELIGIBILITY Group Size least 1 year prior to the effective date of the coverage. DE-9C required for groups with more than 50% family members. Groups with less than 10 employees, no more than 75% of the group can be direct family members Employees age 65+ must be less than 20% of the group. Stand-Alone No. Yes 5–9 enrolled: must be sold with dental. 10+ enrolled: must be sold with either dental, life or disability. Rate Guarantee 12 months. 12 months. Cases sold off cycle from medical will have their first renewal in conjunction with medical. 24 months. Admin Fee Fee based on group size: 2-8 employees: $20 per month. 9-20 employees: $25 per month. 21+ employees: $30 per month. None. None. Contribution N/A; Discount Eyecare Program included Minimum 50% employee. No minimum requirement. Participation N/A; Discount Eyecare Program included for all members and dependents Minimum 75% of eligible with at least 2 enrolled employees. 10% of eligible with a minimum of 5 enrolled employees. Voluntary Plan Contribution 100% employee paid. Voluntary rates apply to group with less than 75% participation and/or 50% contribution ; may be 100% EE paid. No minimum requirement. Voluntary Plan Participation No participation requirement. Dependent enrollment for voluntary vision does not have to match dependent enrollment for medical. Voluntary rates apply to group with less than 75% participation and/or 50% contribution. Must have at least 2 enrolled employees. 10% of eligible with a minimum of 5 enrolled employees. Out-of-State 49% maximum. Out-of-state employees considered Area 9 for rating purposes. 49% maximum. Groups with more than 25% of the employees residing out of state must be custom rated. Carve-Outs Not allowed. Union employees are considered ineligible. Not available. Allowed - Minimum 5 enrolled. 1099 Employees Not eligible. Commissioned employees must earn a base salary at least equal to minimum wage to qualify. Not eligible. Not eligible. Owner Only Groups Not allowed. Must have at least one nonspouse, “common law” EE on the DE-9C. Not allowed. Must have at least one nonspouse, “common law” EE on the DE-9C. Allowed. Industry Loads None. None. None. Open Enrollment Yes, with medical. Yes. Included on all plans. Dependent Eligibility Up to age 26. Up to age 26. Up to age 26. Rev. Date 2/10/15 Page 3 of 4 VISION UNDERWRITING GUIDELINES PRINCIPAL UNITEDHEALTHCARE VSP PRODUCT OFFERINGS Product Combinations May offer multiple plan combinations based on defined job classes. May not offer multiple plans where employees can choose their plan selection. Single plan only. Single plan only. Voluntary Product Combinations Same as Product Combinations above. Single plan only. Single plan only. Network No network. VSP Access Plan: discounts offered through VSP. UnitedHealthcare VSP Group Size 5+. DE-9C not required. 2–99. DE-9C not required. 2–300. DE-9C required for non-voluntary plans with less than 10 enrolled EEs. Stand-Alone Yes Yes. Yes. Rate Guarantee 12 months. 24 months. 12 months. Admin Fee None. None. $15 per month. New groups of 2-4 enrollees: For the first year, discounted to $10 per month. Contribution Employer Paid: 100%. Contributory: Between 1-99% Employer Paid: 75%–100% toward both employee and dependent premium Buy-up: 75%–100% toward employee premium 50/50: 50%–74% toward employee premium 100% of employee cost. Participation Employer Paid: 100% of eligible. Contributory: Minimum 20% of eligible or 5 enrolled, whichever is greater. Minimum 75% participation with at least 50% of total eligible regardless of valid waivers 100% with a minimum of 2 enrolled. Voluntary Plan Contribution 100% employee paid. 0%–49% toward employee premium 100% employee paid. Voluntary Plan Participation Minimum 20% of eligible or 5 enrolled, whichever is greater. Minimum 2 eligible and 1 enrolled. Must have 2 enrollees. Out-of-State No set maximum, determined on a case by case basis. No limit. No limit. Carve-Outs Allowed. Carve-out population must meet minimum standard participation guidelines. Available with 5+ eligible and enrolling employees. Eligible class descriptions include: Salary/Hourly, Union/Non-Union and Management/Non-Management. Any type of carve-out is allowed such as Union/Non-union, Management/Nonmanagement, Salaried/Hourly. 1099 Employees Not eligible. No more than 25% of the enrolled groups can be 1099 employees. Yes, if the 1099 employee is included in the medical plan. Owner Only Groups Allowed. Not allowed. Must have at least one non-spouse, “common law” employee on the DE-9C. Allowed as long as owners are members of the group and are involved in the day to day operations of the group. Industry Loads None. None. None. Open Enrollment Included on all employer paid and voluntary vision groups. Yes. Non-voluntary Plans: Yes, for unenrolled dependents only. Voluntary Plans: Yes, for unenrolled employees & dependents. Dependent Eligibility Up to age 26. Up to age 26. Up to age 26. ELIGIBILITY All information published herein is gathered from sources which are thought to be reliable, but the reader should not assume that the information is official or final. Reliance on this information received from LISI shall be at your sole risk, and LISI assumes no responsibility for any errors, omissions, or damages arising. Users of this information are encouraged to confirm with other sources, and to seek qualified advice if embarking on any actions that could carry personal or organizational liabilities. Rev. Date 2/10/15 Page 4 of 4
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