Click on the Anthem logo to browse 2014 plans.
If you are currently covered by an individual Anthem Blue Cross Blue Shield health insurance policy (vs. one you get through your employer) we have some critical information for you.
Anthem policyholders either already have received or will receive soon a letter from Anthem explaining the options for complying with the new health care law — the Affordable Care Act (also known as “Obamacare”).
Here is a summary:
If you have a Non-Grandfathered Plan
(A non-grandfathered health plan is one that was purchased on or after March 23, 2010. Learn more.)
| Option 1 – Transition to a New Anthem ACA-Compliant Plan
Depending on your policy anniversary date, Anthem may offer to transition you to a new ACA-compliant, off-exchange plan on your next renewal date. Anthem will offer you a new plan that is as close to your current plan as possible. To accept this offer, you must sign and return the Acceptance of Health Plan form included with your mailing. Note: if you are eligible for a subsidy under ACA, Virginia Medical Plans can help you purchase your insurance on your state’s exchange so you can receive the subsidy. |
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Option 2 – Renew Early For policyholders with an anniversary date between February – November, 2014, you have the option to renew your current plan early. Your new policy effective date will be December 1, 2013. Renewing early allows you to keep your current coverage, at December 2013 rates, through November 30, 2014. At that time, you will need to choose an ACA-compliant plan. Early renewal simply delays the requirement to comply with the law. Click here to learn why early renewal may be a good choice. You should have received a New Policy/Contract Offer Acceptance Form with your Anthem mailing that must be completed and sent back to Anthem by *Date extended twice. Update as of 11/27/13: you have until December 16 to renew early. |
| Option 3 – Apply for a new ACA-Compliant Plan
From October 1, 2013 – March 31, 2014, Virginia Medical Plans can help you enroll in any on- or off- exchange plan that will be effective in 2014. Click here for a free quote on a new Anthem plan. Note: You will have the opportunity to indicate whether or not you believe you are eligible for a subsidy. If you are eligible, we can help you purchase insurance through your state’s exchange so you can receive the subsidy. |
If you have a Grandfathered Plan
(A grandfathered health plan is one that was purchased before March 23, 2010 and has been continuously in effect since then. Learn more.)
| Option 1 – Remain on Your Current Plan But first do a little research to be sure that both the coverage and current pricing still make sense for you. Give us a call or email us to discuss. Note: If you are eligible for a subsidy under ACA, we can help you purchase a new plan on your state’s exchange so you can receive the subsidy. |
| Option 2 – Choose a New ACA-Compliant Plan We recommend you research whether or not a new plan would be a better fit for you. But remember, once you terminate a grandfathered plan, your grandfathered status is pierced and you can not go back to that plan. Note: If you are eligible for a subsidy under ACA, we can help you purchase a new plan on your state’s exchange so you can receive the subsidy. Click here to browse 2014 Anthem plans. |
Whatever your situation, Virginia Medical Plans can help you make the decision that makes the most sense for you. But it’s tricky, so give us a call or send us an email.
Quick Link: Anthem online
