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Provide Savings with Aetna's Premium Savings Program

Changes ahead for Small Group Employers
The health insurance landscape is constantly changing making it difficult to keep track of all the opportunities available. Thats where we come in. Aetna is committed to helping you and your clients navigate through the changing health care landscape and help you unlock the right combination of cost and coverage to fit your clients needs. Aetnas Premium Savings program an early renewal option, is one way that we can help provide cost savings to some of your clients during this time of change
Introducing Aetna's Premium Savings Program

In 2014, changes set in motion by the Affordable Care Act (ACA) may lead to dramatic increases in premiums. Factors such as essential health benefits, maximum plan deductibles, the application of new taxes and fees, and new rating rules will combine to push insurance premiums up substantially for some small businesses. The rate impact can vary. So the more you understand todays options and current dynamics, the better you can provide the best solution to meet your clients needs. By electing a fourth quarter 2013 renewal, some of your clients can achieve significant cost savings in 2014 and take time to assess their business needs for the future, without sacrificing their current coverage today. Even if your clients have already renewed their policy this year, there is still time to take advantage of the

savings - Aetna is extending this offer to all renewing and new business clients. We will work with you to determine the best option that meets your clients' needs. Options to consider for your clients who may benefit from this offer: Elect an off-cycle renewal September 1 - December 1, 2013 and keep current benefits and rate levels in place for the following twelve months. Maintain current renewal cycle in 2014 and move to the ACA based plans and rates. Clients may benefit by moving to Aetna due to competitive rates that remain constant from July 2013 through December 2014. Advance notice is required for Groups who are interested in participating in the Premium Savings program - Groups with a current Jan-June renewal need to request an off-cycle renewal 90 days prior to the requested effective date, with acceptance needed 45 days prior to new renewal date. (i.e. February renewal requesting a November 2013 renewal, need to request this by August 1, with notification of acceptance by September 15) Groups with an upcoming July-Dec renewal need to provide acceptance 30 days prior to their current renewal date (i.e. August renewal with off-cycle renewal for December, notification of acceptance is needed by July 1) Mark your calendars To assist you in talking with your clients about this program, well be hosting a series of educational webinars on the upcoming dates: Session 1: Monday, April 15, 2013 from 1-2pm EST Session 2: Wednesday, April 17, 2013 from 2- 3pm EST Session 3: Friday, April 19, 2013 from 1-2pm EST In addition, we will provide you with a comprehensive dashboard that includes your groups effective dates and preliminary information to help you determine the best solution for your clients. And, well be including a flyer that you can share and discuss with your small employer groups.

If you have any immediate questions, or would like more information about Aetnas Premium Savings program, contact your local Aetna sales executive.
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