May 3, 2021
BCBS will complete rating offices and issuing quotes on May 13th so we can start sending the rates out to the offices on the 14th. We will then need a strong push from all parties to get as many groups as possible to move forward.
Lisa is planning another Zoom on May 17th after having had time to review the rates and can provide some guidance on how they stack up in comparison to ACA / individual rates for similar plans. If we do this Monday the 17th, everyone will have their rates by then so specific questions can be asked around them.
Our final numbers only show 728 employees submitted information for electing coverage and we need better than 1 out of 3 to enroll to get to the 250 count to put coverage in place.
We will ask offices for a yes or no back from every group by May 28th. At that point if we get the 250, it will go back to BCBS to see if final rates need to change based on final enrollment or not. BCBS gets two more weeks at that point to let us know and then we roll out the rates again and complete paperwork for installation.
April 21, 2021
In order to keep the schedule of a July 1st start date, the health information requested in the email from North Risk Partners and BCBS must be submitted by this 5 p.m. this Friday, April 23rd
If you have questions, you can contact Brandon Ruser at North Risk Partners - (402) 592-7777 or NEDA@northriskpartners.com
Once the information is received, BCBS anticipates getting rate quotes to your offices by May 7th. Lisa Daniels will do another Webinar at that time to walk through the next steps.
March 20, 2021
The Zoom Powerpoint by Lisa Daniels with North Risk Partners on March 19th is linked here.
Beginning April 1st, dental offices will receive an email from NEDA@northriskpartners.com regarding what information will need to be submitted to BCBS. Offices with up to 14 eligible employees must submit an application utilizing the BCBS data hub. Offices with 15 or more eligible employees will submit a member level census in order to receive underwritten rates. All data hub applications or censuses must be returned by April 16th.
Any NDA member can certainly reach out to North Risk Partners if you have any further questions.
Risk Advisor, Partner
Account Manager - Employee Benefits
Account Manager - Employee Benefits
P: (402) 592-7777 | F: (402) 592-1924
March 15, 2021
Great news, we have achieved the number we needed of interested groups and enrollees to move forward with the underwriting process with BCBS. We consider this phase 2 of implementing the association plan.
Phase 2 can be a bit complicated as the process varies based on the number of employees each of you, as a dental office, have interested in enrolling for coverage. Since BCBS will establish both the association plan rate tiers and the group rates offered to each dental practice utilizing this step, it is very important the information submitted is as accurate as possible. Any changes to the enrollment count or dependent information submitted through this step, could result in the final rates given to you also being altered.
Please see an outline of the next steps below. Lisa Daniels with North Risk Partners will be hosting a virtual meeting on Friday the 19th at 10:00 am to walk through these steps and answer any questions you may have. This meeting will be recorded and emailed out as well.
Please join us for virtual meeting on Friday March 19th to discuss these steps and any questions you may have in further detail. The log in information for this meeting is below:
Join Zoom Meeting - https://zoom.us/j/96519631734
Meeting ID: 965 1963 1734
North Risk Partners has established an email address to handle all communications relating to the Nebraska Dental Association plan. All emails will come from NEDA@northriskpartners.com
. Please make sure this email is marked as a safe sender on your end.
1. Each dental practice will need to submit the data on all eligible employees in order to receive underwritten rates. The process to do this varies based on the number of employees that need or will elect coverage through the Association plan.
A. Any dental practice with 1-14 employees that will elect coverage will need to submit enrollment forms utilizing the BCBS data hub. On 4/1 North Risk Partners will email each dental practice of this size a communication to send out to your employees including a link and instructions. All eligible employees (enrolling or waiving coverage) will need to click on the link, create a user name and password and walk through the application process. If enrolling for coverage they need to complete the data and health information on themselves and any dependents, if waiving they will indicate they are waiving coverage and if they are enrolled elsewhere.
B. Any dental practice with 15 or more employees enrolled can submit a group level census listing all eligible employees and all covered dependents (name, gender, date of birth, zip code, coverage election). On 4/1, North Risk partners will send an email to each practice with the required census to be completed. This information must be returned in the same format in order for BCBS to provide final rating.
2. All information will need to be completed online or census information for groups with over 15 enrolled to North Risk Partners by 4/15. North Risk Partners will provide periodic updates to each dental practice every 3 days on the status of your applications.
3. Once all information is submitted to BCBS – the goal will be to work with BCBS & the Association to establish all rate tiers, plans, underwriting guidelines by May 16.
4. Provide rates to all dental practices and determine their intent to move forward by June 1st. If the 250 final enrollment count is met, move forward with Association level paperwork.
5. June 1st – July 1st, complete all group level paperwork and final submission of enrollment information for a July 1st effective date.
The biggest challenge any dental office will have throughout this process is any enrollment data changes. Since BCBS will provide final rates based on how each employee / dependent elected coverage in step 1 above, if the enrollment information changes by +/- 10% for any group, BCBS reserves the right to rerate the group and the rating tier assigned may change. It is very important that employees do not choose to elect coverage to just “look and see” what the rates are if it is likely they will not enroll due to spousal coverage / parental coverage / Medicare etc... If this happens you will have many changes prior to final enrollment and your rates may change each time.
January 28, 2021
Click the image above or here for the Office Survey
For question #7: it is a requirement for all employer health plans in Nebraska that the employer contribute at least 50% of the single premiums. If an employer is not willing to do this, they cannot enroll for coverage through the program.
For #8: the number of total eligible means the number of employees you have that will meet the minimum hourly weekly work requirement and be offered coverage.
For example, you may require employees to work 25 hours per week to be eligible. If you have ten employees, but only 6 are eligible satisfying the 30 hr/week requirement, enter “6” for this question. Each employer will have the opportunity to determine what your hourly minimum is.
This number should include anyone that meets this hourly requirement even if they will be waiving coverage due to coverage elsewhere (spouse’s plan, Medicare, parent’s plan etc…). If you have part-time employees that will not be offered coverage, do not include them in this number.
November 13, 2020
Here we are in a nutshell:
- BCBS and North Risk Partners are interested in helping the NDA launch an association health plan (AHP).
- Legitimate concerns remain – COVID and enough NDA members & staff participating.
Minimum # of lives signing up for insurance – 250 (includes dentists, hygienists, assistants and office staff – DHPs)
First Hurdle – completing a short survey (about 7 questions) from each office to determine how many DHPs are actually interested in obtaining health insurance and will fill out the health questionnaire in order to receive a quote. If we don’t obtain 1,500 interested DHPs, we are done – no need to go further. Why? Historically, only one in six “interested” actually purchase insurance.
Office Survey will go out to NDA offices in January. It will be helpful to have several offices volunteer to be "cheerleaders" in their district, calling other offices and encouraging them to fill out the survey. If your office would like to be a cheerleader in your district, please contact David.
Second Hurdle – If we obtain at least 1,500 interested DHPs, BCBS will set up a data hub for DHPs to complete a health questionnaire.Once the entire office of interested DHPs fill out the questionnaires, information will be sent to BCBS for rate quotes.
The health questionnaires must be completed within a two-week period so that quotes can be returned to the group.
Final Hurdle –250 DHPs in the group receiving rate quotes must commit to sign up for insurance. If we have 250 committed DHPs signing up for insurance, we can launch the NDA Health Insurance group. If we don’t have 250, we are done with our attempt to launch an AHP.
If we establish an AHP, the plans will go into effect June/July 2021.
Q?: Can you switch health plans mid-year?
A: Yes, although health insurance plans are renewed annually, they are actually month-to-month agreements.
The AHP will have 4 to 5 plan options, with several “tiers” of rating based on the office DHP.
The NDA has been following the efforts of Nebraska State Bar Association AHP, now entering its third year.This year, the NSBA AHP will have a 0% increase in their premiums.
On December 20, 2018, the first meeting of the NDA Health Insurance Alliance,
was held with Michelle Sitorius, attorney for the Alliance, NDA Executive Director David O'Doherty and Board members Drs. Brad Krivohlavek, Chris Foix
, Shay McGowen, Sami Webb and Steve Wirth
. The Board elected the following officers: Drs. Krivohlavek (President), Chris Foix (Vice President) and Steve Wirth (Secretary/Treasurer). Only NDA members who will be purchasing insurance through the Alliance are eligible to be Board members. The Board then approved filing a Form M-1 with the Department of Labor. In January, the Board will be reviewing plan designs with United Healthcare to be introduced to NDA offices later in January.
On November 16, 2018, members of the NDA Board of Trustees pictured below and Pat Bourne and Michaela Valentin, team leaders for Aon Risk Solutions interviewed representatives of United HealthCare and Aetna. Blue Cross & Blue Shield intially indicated a desire to particpate, but later declined. After an afternoon of interviews, the Board selected United Healthcare as the insurance carrier for the NDA Health Plan. Aon and UHC will meet to finalize a number of plan options for the Board to select - six options in total for NDA members and employees to choose from.