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September 17, 2010
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Anthem Blue Cross Individual Business to Suspend Child-Only Coverage Effective 9/23/10

Anthem Blue Cross is committed to offering a broad range of products and services that meet customer needs in the changing health insurance market, and to implementing the new health care reform legislation in a way that benefits our customers and members.

We have reviewed the rules regarding the provisions of the Patient Protection and Affordability Care Act (PPACA) limiting the application of pre-existing condition exclusions for children under 19. Unfortunately, there remains a great deal of uncertainty as to how the rules will be implemented and what the impacts might be on participating insurers. 

While some carriers may continue to offer child-only policies, other carriers have dealt with this lack of clarity by choosing to discontinue new business sales of their child-only policies.  Some have cited the lack of an effective mandate for individuals to obtain coverage, as well as ongoing market uncertainty.  Unfortunately,  this has created an unlevel competitive environment.  As a result, Anthem Blue Cross has decided to suspend the sale of child-only policies indefinitely, beginning September 17, 2010.

We will continue to monitor the situation and provide additional details on any changes to our process and policies as they become available.

Please Note: This decision has no impact on any existing child-only policies.  In addition, we will continue to accept children on family policies as long as the primary subscriber is 19 or older.


Why is Anthem Blue Crosssuspending the sale of new child-only policies?

Anthem Blue Cross is committed to offering a broad range of products and services that meet customer needs in the changing health insurance market, and to implementing the new health care reform legislation in a way that benefits our customers and members.

We have reviewed the rules regarding the provisions of the Patient Protection and Affordability Care Act (PPACA) limiting the application of pre-existing condition exclusions for children under 19. Unfortunately, there remains a great deal of uncertainty as to how the rules will be implemented and what the impacts might be on participating insurers. 

While some carriers may continue to offer child-only policies, other carriers have dealt with this lack of clarity by choosing to discontinue new business sales of their child-only policies.  Some have cited the lack of an effective mandate for individuals to obtain coverage, as well as ongoing market uncertainty. Unfortunately,  this has created an unlevel competitive environment.  As a result, Anthem Blue Cross has decided to suspend the sale of child-only policies indefinitely, beginning September 17, 2010.

When will Anthem Blue Cross stop selling these polices?

Due to ongoing uncertainty, Anthem Blue Cross  has made the decision to suspend the sale of child-only policies and policies where the primary subscriber is under 19 years of age, for effective dates of 9/23 or later. Quoting capability for child-only policies will begin being removed on September 17, 2010.

Will Anthem Blue Cross's family plans be offered to children 18 and under?

Anthem Blue Cross will continue to offer family policies that have dependent coverage to subscribers who are 19 years of age or older. 

Will Anthem Blue Cross participate in an "open-enrollment period" for child only plans? 

No, Anthem Blue Cross  has made the decision to suspend the sale of child-only policies and policies where the primary subscriber is under 19 years of age, for effective dates of 9/23 or later.

Will this impact all states in which Anthem Blue Cross's affiliated health plans are currently providing Individual Child-only plans?

The suspension of child-only plans will apply to all states unless a particular state requires the offering of child-only policies.  Based on state specific requirements, we will continue to offer Child-only plans in Maine and New York, and in open enrollment periods in Ohio and Virginia. Child-only plans will also be offered in those states requiring such policies for conversion and HIPAA eligible individuals.  Existing policyholders will not be impacted by this action and they may continue in their current coverage.










Anthem Blue Cross is the trade name of Blue Cross of California. Anthem Blue Cross and Anthem Blue Cross Life and Health Insurance Company are independent licensees of the Blue Cross Association. Independent licensee of the Blue Cross Association. ® ANTHEM is a registered trademark of Anthem Insurance Companies, Inc. The Blue Cross name and symbol are registered marks of the Blue Cross Association.
This email was sent to: rogermarks@roadrunner.com

This email was sent by: Anthem Blue Cross Agent Support
P.O. Box 9074 Oxnard, CA 93033 USA


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