Notifying Customers About 2Q 2011 Rates

The New York State Insurance Department ("NYSID") now has the authority to review and approve in advance health plan premium rate increases for community-rated plans. For small groups (including sole proprietors) renewing in the second quarter of 2011, we received approval from NYSID for final premium increases over our currently-filed first quarter 2011 rates.

Since we were unable to notify groups renewing April 1, 2011 of their new rates within 60 days of their renewal date, these groups will continue to pay their current monthly premium through April 30, 2011.
Your clients' new rates, which were approved by NYSID, will take effect for groups renewing in April on May 1, 2011, and will remain in place through March 31, 2012. Please be aware that if an April renewing group makes plan changes, these changes will be effective April 1, 2011 -- with the appropriate second quarter NYSID-approved rates applied to the group's bill. Groups renewing in May will receive their new rates upon renewal through the normal renewal processing.

We have sent to affected EmblemHealth groups notifications about the approved percent increases over currently-filed first quarter 2011 rates. The percent increases by renewal date are as follows:

Underwriting Company

April/May 2011

GHI 9%
HIP* up to 4.1%
HIPIC up to 10%

*includes EmblemHealth CompreHealth plans

Please note that the approved increases above do not reflect the total renewal rate increase in most cases. Other components will factor into your clients' total renewal rate increase. ?????

  1. The impact of federal health reform, which affects 2Q 2011 renewal increases;
  2. The elimination of the Timothy's Law subsidy, which affects 2Q 2011 renewal increases;
  3. Previously filed rate increases, which affect 2Q 2011 renewal increases for GHI, HIP and HIPIC.

To view samples of the renewal notifications we sent to groups, please click on the appropriate link below:

EmblemHealth/GHI groups renewing April EmblemHealth CompreHealth groups renewing April
EmblemHealth/GHI groups renewing May EmblemHealth CompreHealth groups renewing May
HIP groups renewing April HIPIC groups renewing April
HIP groups renewing May HIPIC groups renewing May

We look forward to continuing to work closely with you to best serve our customers and your clients. If you have any questions, please contact your EmblemHealth representative.