Participation and Alongside Guidelines

Aetna

Standalone

1-4 enrolled employees: 65% through 12/31/2020
5+ enrolled employees: 25% through 12/31/2020

Alongside Another Carrier

25% participation and a minimum of 5 employees enrolling required for groups offering another carrier’s HMO plan

Anthem BlueCross

Standalone

1-4 enrolled employees: 65% participation through 9/15/2020 effective dates

5+ enrolled employees: 25% participation through 9/15/2020 effective dates

Alongside Another Carrier

Employees covered by the same employer on another group policy are not considered a valid waiver

Another carrier’s HMO or PPO plans can be sold alongside Anthem as long as Anthem receives the required participation

Blue Shield of California

Standalone

70% participation for mirror plans

65% participation for off exchange plans

25% participation for off exchange plans available to group of 5+ enrolling through the end of 2020

0% participation for groups selecting Trio only plans with no end date

Applies to Specialty Products

Alongside Another Carrier

Only one major medical carrier is allowed to be written alongside Blue Shield. Health exchanges are not eligible. MediExcel or SIMNSA can be written alongside as a third carrier

The Mirror Package for Small Business cannot be offered alongside another carrier. At least 25% of the total number of eligible employees must enroll with no fewer than 5 enrolled. Blue Shield must be the sole carrier for dental, vision and life plans

Employees who enroll with Kaiser will be considered invalid waivers.

CaliforniaChoice

Standalone

1-2 eligible employees:100% participation

3+ eligible employees: 70% participation

Alongside Another Carrier

Cannot be written alongside another carrier

Health Net

Standalone

Enhanced Choice A package: 66% for 1-5 and 50% for 6+ eligible employees

Enhanced Choice B package: 66% for 1-5 and 35% for 6+ eligible employees

No participation requirement for Salud Package with minimum of 2 enrolled through 9/30/2020

HMO Package: No participation or Participation Attestation Form required with 6+ active enrolling employees through 9/30/2020

Alongside Another Carrier

Another carrier’s HMO or PPO plans can be sold alongside Health Net as long as Health Net receives the required participation

Employees covered by the same employer on another group policy will not be considered a valid waiver on the Enhanced Choice A & Enhanced Choice B plans

Kaiser Permanente

Standalone

50% of eligible employees must be covered by a group plan

Alongside Another Carrier

A minimum of 1 must enroll with Kaiser Permanente

UnitedHealthcare

Standalone

60% participation for all group sizes excluding valid waivers

Uniform dependent enrollment is required. All enrolling dependents Product Selection must match for each line of coverage

Alongside Another Carrier

Choice Simplified Package alongside to staff model carrier: 60% participation between the two carriers with 5 CA employees enrolling with UHC is required

Multi-Choice® State Package alongside to staff model carrier: 60% participation with UHC is required

Eligible staff-models include: CCHP, KP, MediExcel, Sharp, SIMNSA, Sutter and WHA

Participation and Alongside Guidelines

This guide has been created as a quick reference and does not replace the full underwriting guidelines published by each carrier
Please refer to the carrier guidelines for additional information