Soon, we’ll be sending our 2021 individual and family plan renewal and discontinuation letters. Read on for details about these notifications.
Individual and family renewal packets
Individual and family plan subscribers will get a renewal packet that includes a cover letter, a customized Office of the Insurance Commissioner (OIC) prescribed letter, and a flyer with information about their plan’s renewal or changes.
For members who no longer qualify for the Basics Plus catastrophic plan, notification must be postmarked by October 1, 2020. For members whose plans are renewing, notification must be postmarked by November 1, 2020.
These letters are templates provided by the OIC and include:
- Projected 2021 monthly premium rates, which incorporate annual age-band changes
- For on-exchange plans, the premium rate doesn’t take into consideration tax-subsidies and/or cost-savings reductions a member may be eligible for; this information will be provided by the Washington Health Benefit Exchange
- A benefit and cost-share comparison between 2020 and 2021
- Information about changing plans, including required references to the OIC and Washington Healthplanfinder websites
- Off-exchange plan renewal notice
- Member aging off catastrophic plan notice
- On-exchange plan renewal notice
- Cost-share changes and plan mapping
Cover letter and flyer
The cover letter includes additional information about:
- Important changes for 2021:
- Most refills of medications will need to be done through mail order
- Core provider network changing to CoreSelect
- Dates for changing plans
Coverage that fits your life flyer includes information about:
- How to change plans
- Where to get more plan information and how to see if members qualify for financial assistance
- Using virtual care
- Using mail order for prescription refills
- Where to go to get information on our dental plans
2021 rate adjustment
- The OIC-approved average rate decrease is -4.86%.
- Actual rate adjustments vary by plan, rating region, and any age-band rate change that may occur as of January 1, 2021, or member’s age if they enroll anytime between February and December 2021.
- The premium indicated in the OIC prescribed renewal letter does not include:
- Tax credit subsidies that exchange enrollees may be eligible for.
- Dental premiums for those off-exchange clients who have enrolled in an optional dental plan for 2020. Dental coverage will roll over into 2021 unless the subscriber makes a change.
Delta Dental of Washington benefit and rate changes for 2021
- Pediatric dental rates decrease by 1.08% and adult/family dental plan rates decrease by 1.75%. Rate adjustments are spread among all members with dental coverage, whether they use their coverage or not.
- There are no benefit changes on the pediatric or adult/family dental plans.
- Benefit and premium details can be found on pages 10 and 11 of Cost share changes and plan mapping.
Additional plan and enrollment information
- For 2021 open enrollment, please use our online enrollment system to enroll your clients.
- Existing Kaiser Permanente members who want to make changes to their policy should complete the Account Change Form.
- Details about our 2021 individual and family plans will be available prior to November 1, 2020, at kp.org/wa/producer-kpif. Individual and family sales kits will start mailing the week of October 19, 2020.
- If you’re interested in selling our exchange-only individual and family plans, visit Washington Health Benefit Exchange.
- Individual and family plan dental coverage will automatically renew. No action is needed unless members want to change or cancel their current dental plan.