7/27/2019 Insurance Letter from Blue Cross Blue Shield

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R ECEIVEDB Y :

Contract N umber: SailrieNIeptember 30, 2013

BlueCross B lueShieldof Alabama

Rickey L Stokes2_513045Dothan, AL 36301-8364Dear Mr. Stokes:

Thank you for being a valued Blue Cross and Blue Shield of Alabama member and for placing your trust in us to providefor what matters most your health. It's no secret that the Affordable Care Act (commonly known as healthcare reformObamacare) is bringing changes to the healthcare industry. Despite all the changes, Blue Cross is available to assist yocontinue to provide you with quality health coverage.How will the Affordable Care Act affect my health coverage?Based on new requirements of the Affordable Care Act, the plan you are currently enrolled in must end afterDecember 31, 2013. Beginning in 2014, all health insurance companies must offer plans that meet certain requirementscurrent plan does not meet all of the new Affordable Care Act benefit requirements. The Affordable Care Act will requiAmericans to have health insurance, so it is important to maintain coverage throughout 2014 or the federal governmenrequire you to pay a fine. We will offer new individual and family health plans that include all required benefits of the ACare Act. Enclosed is a summary of the new health plans we are offering to you for a coverage effective date beginningJanuary 1, 2014.What do I need to do?There is nothing you are required to do. We will automatically enroll you into our new Blue Secure Silver plan to help ya break in health coverage. With Blue Secure Silver, you will enjoy the security of our vast provider network and the pmind that comes with having quality Blue Cross health coverage. With no further action on your part, your new contrautomatically begin on January 1, 2014, and we will bill you for this recommended plan in December. Your new monpremium for this plan will be $ 1,211.05 1 . We have enclosed highlights of your new plan for you to review.What if I want to choose a different plan?Open Enrollment for all of our new plans begins October 1, 2013, and ends March 31, 2014. If you prefer to choose a dplan, you may enroll in any one of them by following these easy steps:

Visit www.ibcbsal.com/switch, to choose a different plan. Make your new plan choice on the enclosed Change of Benefit Plan Election form. Or, call our Customer Service Department toll free at 1-855-350-7443 (TTY 711) Monday through Friday 7:30 a

6:00 p.m.We must receive your new plan choice on or before December 15, 2013, to ensure your effective date of coverage wJanuary 1, 2014. If you want to keep the recommended plan, there is nothing you need to do. We will automaticallyand you will be billed for your new premium amount.

7/27/2019 Insurance Letter from Blue Cross Blue Shield

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OpenEnrollmentbegins

Is financial help available?Beginning January 1, 2014, you may be eligible for financial assistance to help lower your health costs. Known as subsidiethese are tax credits that you can use to offset the cost of your health insurance. Depending on your annual income, you meligible for a subsidy. We have an easy-to-use tool that can help you determine if you may be eligible for financial assistansee which plans are subsidy eligible. Simply go online at www.ibcbsal.com/switch and choose Get a Quote & Switch.How is my premium determined?The new law requires that all health insurance companies use a rating method called "member level rating." With this nmethod, each person on your insurance policy will be rated based on their age, whether or not they use tobacco, and thein which you live.Once each member has been rated, then all amounts will be added together to get the family rate. Dependent children aand older will be individually rated and included in the family premium amount. To view your member level rating, visitwww.ibcbsal.com/switch.

Important Dates to Remember

r Last day to submit yourou r1Opennew plan choice for anNew Plan inrollmenteffective date of 1/1/2014eginsnds1 0 / 1 / 2 0 1 31 / 1 / 2 0 1 32/1/2013 12/15/2013 1/1/2014/ 1 / 2 0 1 4/ 1 / 2 0 1 4/ 3 1 / 2 0 1 4What about my dental coverage?Due to the requirements of the new law, we will no longer be able to offer your current dental rider with your new heaWe will automatically enroll you into Dental Blue, one of our stand-alone dental plans. This change will take effectJanuary 1, 2014. Your new monthly premium for your dental plan will be $75.00 1 . You will receive a separate ID card fodental plan before the new year.What if I want to choose a different dental plan?Enclosed is a summary of the dental plans we offer for a coverage effective date of January 1, 2014. Open Enrollment for our dental plans begins October 1, 2013, and ends March 31, 2014. This is the only time to switch dental plans and not hare-serve any waiting periods. If you prefer to choose a different plan, you may enroll in any one of them by following thessteps:

Go to www.ibcbsal.com/switch, to choose a different plan. Or, call our Customer Service Department toll free at 1-855-350-7443 (TT( 711) Monday through Friday 7:30 a.m

6:00 p.m.We must receive your new plan choice on or before December 15, 2013, to ensure your effective date of coverage will January 1, 2014. If you want to keep the recommended plan, there is nothing you need to do. We will automatically en

and you will be billed for your new premium amount.Blue Cross is available for assistance:If you have questions or need assistance, please call our Customer Service Department at 1-855-350-7443 (TTY 711), or bythe Contact Us link located at the bottom of our home page at AlabamaBlue.com . With many changes coming in 2014, wyou may have questions. We appreciate the opportunity to provide your health coverage and look forward to continuing you in the future.

Tim Sexton

7/27/2019 Insurance Letter from Blue Cross Blue Shield

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Please use the table below to see what is required by healthcare reform, and what Blue Cross and Blue Shield of Alabama idoing for our members.

Healthcare Reform Requirements How Blue Cross and Blue Shieldof Alabama has you covered

The plan you are currently enrolled in mustend after December 31, 2013.

Blue Cross will automatically enroll you ina new healthcare reform compliant plan,effective date January 1, 2014.

Beginning in 2014, most Americans musthave health insurance or may have to paya fine.

Blue Cross is offering 9 new health plansthat comply with healthcare reform.

Open enrollment for all of our new plansbegins October 1, 2013, and endsMarch 31, 2014.

You will automatically be enrolled in a newplan. If you qualify for a subsidy or want tochoose a different plan, visitwww.ibcbsal.com/switch.

The new law requires that all healthinsurance companies use a rating methodcalled "member level rating."

To view your member level rating, visitwww.ibcbsal.com/switch.

Your dental rider will end afterDecember 31, 2013.

Blue Cross will automatically enroll youin a new dental plan, effective dateJanuary 1, 2014.

Open enrollment for dental beginsOctober 1, 2013, and ends March 31, 2014.

Visit www.ibcbsal.com/switch to choose adifferent dental plan.

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