Big changes in health insurance are coming for 2014. Some of your clients are likely concerned about how the Affordable Care Act (ACA) will affect their businesses. Having options at a time of change is a great thing. We want to help ease the uncertainty, so we are excited to offer three effective-date options for clients to consider.

1. December 1, 2013
2. December 31, 2013
3. January 1, 2014

Our January 2014 rates are live in BenefitExpress. If you haven't done so, we encourage you to check out our new products and competitive pricing. This offer applies to rates in Benefit Express for groups with 2 to 50 eligible. If you have questions, please contact your account executive.

*Clients domiciled in Maryland, Ohio and West Virginia are not eligible for a 12/31/13 effective date. 

As we previously communicated, Coventry will exclusively offer benefit plans that meet all health care reform requirements within our standard medical products. As a result, we are replacing all of our standard health benefit plans to comply with 2014 Affordable Care Act (ACA) requirements. ACA applies different rules by group size. As a result, we will continue to maintain two standard product portfolios: one in small group up to 50 employees and one for clients with more than 50 employees. 

For existing clients, current coverage will continue until the policy period ends in 2014. At that time, we will identify a new plan option based on your client's current coverage, however clients can select from any of our available products within each of our product portfolios. As always, we encourage clients to make changes 15 to 30 days before the effective date. If no changes are requested, we will renew the policy based on the pre-selected benefit plan(s).   

If you have questions, please contact your account manager.