NetCare as an alternative to COBRA and mini-COBRA

As a result of Utah House Bill 188, state law now requires insurers to offer alternative health insurance coverage, called Utah NetCare Plans, as an alternative choice to COBRA and mini-COBRA.

A COBRA/mini-COBRA eligible member has the choice of COBRA/mini-COBRA or either a High Deductible NetCare Continuation option or a Low Deductible NetCare Continuation option. If the member chooses a NetCare option, mini-COBRA guidelines will supersede COBRA guidelines (regardless of group size). The member will only be allowed a maximum of 12 months coverage with no additional opportunities for extension based on other qualifying events.

Because these alternative NetCare plans are available January 1, 2010, regardless of when the group renews, NetCare choices have been developed for those on our current BlueChoices plans as well as for a member on one of our Innova/Engage/HSA plans. Quoting for these options will be available December 4, 2009.

NetCare Continuation BlueChoices Benefit Summaries

• NetCare Low Deductible Option Groups 2-50
• NetCare High Dedutible Option Groups 2-50
• NetCare Low Deductible Option Groups 51+
• NetCare High Deductible Option Groups 51+
• NetCare Alternative Coverage: Notice sent to new and renewing groups beginning March 1, 2010