Several Submission Deadlines Drawing Near

Underwriting Deadlines are Approaching for December Business

December 2019 Submission Deadlines

Don’t forget to consider the Thanksgiving holiday period will add into carrier turnaround times when setting expectations for your December clients.

What is SB78 / Special Open Enrollment Period for Employees Previously Waiving Coverage?

CA Senate Bill 78 (SB78) requires Californians to have qualifying health insurance coverage throughout the year. California residents who don’t comply could face a financial penalty unless they qualify for an exemption. SB78 goes into effect January 1, 2020.

Several carriers are allowing a one-time special open enrollment for employees and/or their dependents who previously declined coverage in 2019 to come onto the group health plan effective January 1, 2020.

See the RBG Special Open Enrollment Period (CA SB78) Chart for application dates and details by carrier. This chart will be updated as additional information becomes available.

LEARN MORE about the new California individual mandate

Special Enrollment Period Window is Now Open for Groups Unable to Meet Minimum Participation and/or Contribution Requirements

Don’t miss the once-a-year window to help your small group clients that are unable to meet minimum participation and/or contribution requirements. These groups are eligible for coverage with minimum participation and contribution requirements waived, per ACA mandate, during the Special Enrollment Period (SEP) for submissions received November 15 – December 15, 2019 for January 1, 2020 effective dates. Groups must meet all other small group eligibility requirements other than participation or contribution.

Submissions via the Special Enrollment Period must be 100% clean and complete and submitted within the SEP enrollment window -no exceptions. See the RBG New Business Special Enrollment Period Chart for carrier deadlines, guidelines and requirements.

To help our brokers have successful Special Enrollment Period outcomes, RBG requests all SEP group submissions be sent to your RBG team by Tuesday December 10, 2019 to allow time for thorough review to ensure clean and complete submission by the carrier deadline.

Contact Your RBG Representative for Additional Information