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Starting July 1, Covered California for Small Business (CCSB) is offering new Blue Shield plans, providing more options for enrollees. These plans include the Access+ HMO Network with Platinum, Gold, and Silver metal tier options, as well as the Bronze Trio HMO 7000/70. The two most popular Blue Shield High Deductible Health Plans (HDHP), Silver Full PPO Savings 2300/25% and Bronze Full PPO Savings 7000 plans, are also now available.
All of these plans offer benefits such as Wellvolution, Teladoc Mental Health, Nurse Help 24/7, LifeReferrals 24/7, and the Blue Card program for when members are outside of California.Login To Prism
Despite the intense media focus on repeal, replace and repair, the laws and regulations of the ACA are still in effect, including the Employer Shared Responsibility provisions (“Play or Pay”). Early each year, your clients should answer the following critical question: Was their count of full-time plus full-time equivalent employees 50 or more on average during the prior year?
If the answer is “yes,” then your client is an Applicable Large Employer (ALE) and must offer coverage to full-time employees or potentially incur penalties. You will want to quickly have a discussion with them about putting a plan in place.
However, if the answer is “no,” then they are not at risk of incurring penalties if they choose not to offer coverage. This includes not offering coverage during the current year even if they were an ALE in prior years.
Have your clients asked and answered that key question? If not, you may want to quickly engage in a discussion with them about the topic. For your reference, Claremont has developed a comprehensive Play Or Pay Guide for Brokers. In it you and your clients can learn how to:
If your client determines they are an ALE for the first time, there is transition relief that permits them to not offer coverage through March of their first year as an ALE. This article provides helpful information for new ALE’s and their deadline for offering coverage.
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