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IBC guides small group customers on reform and platform transformation through renewal communications
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As the Affordable Care Act (ACA) brings unprecedented change to our industry, Independence Blue Cross (IBC) is leading the way in transforming health care and delivering what customers need to meet these new challenges.
There are two significant changes occurring in 2014, and we want to ensure that both you and your customers are prepared. First, the new health care reform law requires new products, processes, and requirements. Second, we are transitioning to a new operating platform. As a result, there are many new capabilities and products to introduce due to health care reform, as well as changes to how group customers manage their health plans due to the new operating platform. We are committed to ensuring that your customers understand IBC's new product offerings, and are supported during their renewal.
How IBC will assist small group customers during renewal
IBC will prepare your small group customers (2-50 employees) by sending a series of carefully planned information packets that are coordinated with each group's renewal date.
The series begins with a mailing to all small group customers about what they can expect to receive from IBC in the coming months. Next, IBC will send monthly communications, coordinated with your customer's renewal date, to help guide them through their renewal process and explain our new products, account administration changes, and improvements to the member experience.
The planned series of information packets and timing is as follows:
- Packet 1: Introduction and Health Care Law. Introductory overview to renewal communications series and guide on health care law. This packet will be sent to all customers on July 23, 2013.
- Packet 2: New Products. Summary of our many new products, including our new Blue Solutions Choice plans, Spending Account product suite, and Healthy Lifestyles Solution options. This packet will be sent to customers four months prior to their renewal date.
- Packet 3: Account Administration and Member Benefits. Education on changes to account structure, group portal, billing, and member. This packet will be sent to customers three months prior to their renewal date.
- Packet 4: Renewal. Customer renewal package with buy-down options and mapping to new products. This packet will be sent to customers two months prior to their renewal date.
- Packet 5: Reminder. Promotion of plan options, reminder to renew, and 'check list' of upcoming activities. This packet will be sent to customers one month prior to their renewal date.
The first information packet helps customers understand how the new health care law affects the way they provide health care benefits. It will include a letter and a Small Business Guide to Health Care Law. Similar to the individual consumer version that was introduced this spring – Health Care Law and You – the small business version addresses changes specific to employers. A version of the guide for large group employers is also in development.
This Guide provides information and tools that will help your customers prepare for the changes ahead as key parts of the law are implemented. It includes:
- an outline of the upcoming health care law changes;
- helpful charts that detail new plan requirements and tier structures;
- step-by-step instructions for calculating eligible employees;
- tips to help your customers understand and properly claim their tax credits;
- a glossary that explains common health care terms.
We'll share the details and advance copies of these communications as each information packet is finalized for release.
As always, IBC is here to help you and your customers navigate health care choices during this transition. If you have any questions, please contact your IBC account executive.
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Independence Blue Cross offers products directly, through its subsidiaries Keystone Health Plan East and QCC Insurance Company, and with Highmark Blue Shield. Independent licensees of the Blue Cross and Blue Shield Association. |
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