October Renewal Date: January 1, Dear Blue Cross of Idaho Member,

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1 October 2017 Renewal Date: January 1, 2018 Dear Blue Cross of Idaho Member, Thank you for choosing Blue Cross of Idaho for your health insurance needs. If you want to keep your current plan, you don t have to do a thing. We ll automatically renew your coverage effective on January 1, This packet includes important information about your insurance renewal. Please take some time to review these materials. Please note: We have not received High Risk Pool rates. Because of this, we entered a premium amount of $1 as a placeholder for these products. We will send you additional information as we receive it. A required healthcare reform notice with important renewal information. An Amendment to your policy effective with your renewal. A Policy Update outlining plan changes. Please read this information carefully. A copy of the Women s Health and Cancer Rights Act of 1998 notice. We understand that health insurance can be confusing. We are here to help when you need us. If you have questions about your plan, please call Blue Cross of Idaho customer service at Sincerely, Peter Morrissey Vice President of Sales Enclosures 0118 No Rate Ind Non QHP HRP Member Renewal

2 Dear Member: Your health insurance coverage will soon be due for annual renewal. You have the option to renew your current policy or choose a new health insurance plan. As you may be aware, the Affordable Care Act (ACA) requires all individuals to enroll in health insurance coverage that includes a specific set of benefits and consumer protections known as minimum essential coverage. Individuals who have minimum essential coverage are not subject to a tax penalty. The federal government has concluded that your current health insurance plan meets the minimum essential coverage standard. Therefore, if you renew your current plan, you will not be subject to a tax penalty when you file your federal tax return for 2017 and later years. However, in making your choice, you should remember the following. First, you have the option to enroll in a new health insurance plan that provides greater consumer protections and benefits. The ACA requires coverage for new health insurance plans to comply with the following: Individuals cannot be denied coverage based on a pre-existing medical condition. Health insurance premiums cannot be based on health factors, so you will not pay higher premiums because you have a health problem, need to see medical providers frequently, or have expensive health insurance claims. Insurance carriers cannot cancel your coverage if you get sick or become injured. There is no annual or lifetime dollar limits on how much your health insurance will pay for services considered essential health benefits. The out-of-pocket costs you pay other than monthly premiums are limited to an annual dollar amount. For 2017, individuals pay no more than $7,150 and 1

3 families will pay no more than $14,300. For 2018, individual out-of-pocket costs will be limited to $7,350 and family out-of-pocket costs to $14,700. There are two enrollment periods when you may choose a new plan: 1. You have a 120-day special enrollment period in which you may enroll in a new plan instead of renewing your current plan. This special enrollment period begins 60 days before the end of your current plan year, and lasts 60 days after it ends. It is important to enroll in the new plan by the 15th of the month before your current plan ends to avoid a break in coverage. 2. You also have the opportunity to enroll in a new plan during the annual fall enrollment period for coverage beginning in January of the following year. The annual enrollment period for 2018 coverage will begin November 1, 2017 and run through December 15, Second, by enrolling in a new health plan you may be able to pay lower monthly premiums and out-of-pocket costs. If you enroll in the new plan through Idaho s health insurance exchange, Your Health Idaho, you may be able to qualify for advance tax credits to help pay your monthly premiums, as well for additional assistance paying outof-pocket costs. For more information on Your Health Idaho, and to view health insurance plans available through your special enrollment period, please visit You may also enroll in a new health plan not sold on Your Health Idaho. If you enroll outside Your Health Idaho, you will not qualify for assistance in paying for your health insurance plan premium, but you will still have access to a wide selection of plans providing greater consumer protections which may cost less than your current plan. If you have questions on this letter, please contact us, your insurance agent or broker, or the Idaho Department of Insurance at , or at

4 AMENDMENT TO THE BLUE CROSS OF IDAHO INDIVIDUAL POLICIES Effective with your renewal, the following Blue Cross of Idaho Individual Policies shall be amended as follows: Idaho Basic Individual Policy Form No BASIC 2001 (01/01) Idaho Catastrophic A Individual Policy Form No CAT A 2001 (01/01) Idaho Catastrophic B Individual Policy Form No CAT B 2001 (01/01) Idaho Standard Individual Policy Form No STANDARD 2001 (01/01) Idaho HSA Individual Policy Form No (01/06) The Policy shall be amended as follows: 1. The How We Notify You language in the How to Submit Claims Section, shall be amended to read: BCI will send the Insured an Explanation of Benefits (EOB), either electronically or by mail, as soon the claim is processed. The EOB will show all the payments BCI made and to whom the payments were sent. It will also explain any charges BCI did not pay in full. Insureds should print the electronic copy and keep this EOB for their records. If you would like a paper copy of your EOB, you may request one from BCI Customer Service. 2. The Entire Policy-Changes section in the General Provisions Section shall be amended to include application in the list of items which form part of the Policy of insurance. 3. The Subrogation and Reimbursement Rights Of Blue Cross Of Idaho section shall be amended to the following in the General Provisions Section: The benefits of this Policy will be available to an Insured when he or she is injured, suffers harm or incurs loss due to any act, omission, or defective or unreasonably hazardous product or service of another person, firm, corporation or entity (hereinafter referred to as third party ). To the extent that such benefits for Covered Services are provided or paid for by Blue Cross of Idaho under this Policy or any other Blue Cross of Idaho plan, agreement, certificate, contract or policy, Blue Cross of Idaho shall be subrogated and succeed to the rights of the Insured or, in the event of the Insured s death, to the rights of his or her heirs, estate, and/or personal representative. As a condition of receiving benefits for Covered Services in such an event, the Insured or his or her personal representative shall furnish Blue Cross of Idaho in writing with the names, addresses, and contact information of the third party or parties that caused or are responsible, or may have caused or may be responsible for such injury, harm or loss, and all facts and information known to the Insured or his or her personal representative concerning the injury, harm or loss. In addition, the insured shall furnish the name and contact information of the liability insurer or its adjuster of the third party including the policy number of any liability insurance that covers, or may cover, such injury, harm, or loss. Blue Cross of Idaho may at its option elect to enforce either or both of its rights of subrogation and reimbursement. Subrogation is taking over the Insured s right to receive payments from other parties. The Insured or his or her legal representative will transfer to Blue Cross of Idaho any rights he or she may have to take legal action arising from the injury, harm or loss to recover any sums paid on behalf of the Insured. Thus, Blue Cross of Idaho may initiate litigation at its sole discretion, in the name of the Insured, against any third party or parties. Furthermore, the Insured shall fully cooperate with Blue Cross of Idaho in its investigation, evaluation, litigation and/or collection efforts in connection with the injury, harm or loss and shall do nothing whatsoever to prejudice Blue Cross of Idaho s subrogation rights and efforts. Blue Cross of Idaho will be reimbursed in full for all benefits paid even if the Insured is not made whole or fully compensated by the recovery. Moreover, Blue Cross of Idaho is not responsible for any attorney s fees or other expenses or costs incurred by the Insured without prior written consent of Blue Cross of Idaho and, therefore, the common fund doctrine does not apply to any amounts recovered by any attorney the Insured hires regardless of whether amounts recovered are used to repay benefits paid by Blue Cross of Idaho, or otherwise. Additionally, Blue Cross of Idaho may at its option elect to enforce its right of reimbursement from the Insured, or his or her legal representative, of any benefits paid from monies recovered as a result of the injury, harm or loss. The Insured shall fully cooperate with Blue Cross of Idaho in its investigation, evaluation, litigation and/or collection efforts in connection with the injury, harm or loss and shall do nothing whatsoever to prejudice Blue Cross of Idaho s reimbursement rights and efforts. Form No (01/18) Page 1 of 2

5 The Insured shall pay Blue Cross of Idaho as the first priority, and Blue Cross of Idaho shall have a constructive trust and an equitable lien on, all amounts from any recovery by suit, settlement or otherwise from any third party or parties or from any third party s or parties insurer(s), indemnitor(s) or underwriter(s), to the extent of benefits provided by Blue Cross of Idaho under this Policy, regardless of how the recovery is allocated (i.e., pain and suffering) and whether the recovery makes the Insured whole. Thus, Blue Cross of Idaho will be reimbursed by the Insured, or his or her legal representative, from monies recovered as a result of the injury, harm or loss, for all benefits paid even if the Insured is not made whole or fully compensated by the recovery. Moreover, Blue Cross of Idaho is not responsible for any attorney s fees or other expenses or costs incurred by the Insured without prior written consent of Blue Cross of Idaho and, therefore, the common fund doctrine does not apply to any amounts recovered by any attorney the Insured hires regardless of whether amounts recovered are used to repay benefits paid by Blue Cross of Idaho, or otherwise. Rights of subrogation and reimbursement extend to any right the Insured has to recover from the Insured s insurer, or under the Insured s Medical Payments coverage or any Uninsured Motorist, Underinsured Motorist, or other similar coverage provisions, and workers compensation benefits. Blue Cross of Idaho shall have the right, at its option, to seek reimbursement from, or enforce its right of subrogation against, the Insured, the Insured s personal representative, a special needs trust, or any trust, person or vehicle that holds any payment or recovery from or on behalf of the Insured including the Insured s attorney. Blue Cross of Idaho s subrogation and reimbursement rights shall take priority over the Insured s rights both for benefits provided and payments made by Blue Cross of Idaho, and for benefits to be provided or payments to be made by Blue Cross of Idaho in the future on account of the injury, harm or loss giving rise to Blue Cross of Idaho s subrogation and reimbursement rights. Further, Blue Cross of Idaho s subrogation and reimbursement rights for such benefits and payments provided or to be provided are primary and take precedence over the rights of the Insured, even if there are deficiencies in any recovery or insufficient financial resources available to the third party or parties to totally satisfy all of the claims and judgments of the Insured and Blue Cross of Idaho. Collections or recoveries made by an insured for such injury, harm or loss in excess of such benefits provided and payments made shall first be allocated to such future benefits and payments that would otherwise be owed by the Plan on account of the injury, harm or loss giving rise to Blue Cross of Idaho s subrogation and reimbursement rights, and shall constitute a Special Credit applicable to such future benefits and payments that would otherwise be owed by Blue Cross of Idaho under this or any subsequent Blue Cross of Idaho Plan or coverage. Thereafter, Blue Cross of Idaho shall have no obligation to provide any further benefits or make any further payments until the Insured has incurred medical expenses in treatment of such injury, harm, or loss equal to such Special Credit. Except as amended, the policy shall remain unchanged. This amendment is attached to and forms part of the policy issued to the Enrollees. In witness whereof, BLUE CROSS OF IDAHO HEALTH SERVICE, INC., by its duly authorized officer, has executed this amendment. Blue Cross of Idaho Health Service, Inc. PO Box 7408 Boise, ID Keith G. Bushardt Sr. Vice President, Sales & Customer Experience Form No (01/18) Page 2 of 2

6 POLICY UPDATES To Your Blue Cross of Idaho Individual Policy Please Read Carefully Dear Blue Cross of Idaho Enrollee: This Policy Update is a summary of the changes to your health insurance coverage effective on your Policy s renewal date. We encourage you to review this carefully. For reference, the words and terms capitalized in this document are defined in your member contract. How To Submit Claims Section Updates have been made to include that your Explanation of Benefits (EOB) can be received either electronically or by mail. You can print an electronic copy or contact Blue Cross of Idaho Customer Service to request a paper copy by mail. General Provisions Section The Entire Contract-Changes section has been updated to include application as a listed item of the Contract. The entire section of Subrogation and Reimbursement Rights of Blue Cross of Idaho has been replaced with new subrogation language. Please note: This Policy Update is only a brief highlight of the changes made by Blue Cross of Idaho Ind HRP

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8 Important Notice The Women s Health and Cancer Rights Act of 1998 requires health plans and insurers to provide the following mastectomy-related services. 1. reconstruction of the breast on which the mastectomy/lumpectomy was performed; 2. surgery and reconstruction of the other breast to produce a symmetrical appearance; and 3. prostheses and treatment of physical complications at all stages of the mastectomy/ lumpectomy, including lymphedemas. Benefits are subject to the standard surgical deductibles, copayments and coinsurance amounts of your policy. If you have any questions, please contact our customer service department at or the number on the back of your member ID card. Originated Form No (01-17) 3000 E. Pine Avenue, Meridian, ID P.O. Box 7408, Boise, ID (208) An Independent Licensee of the Blue Cross and Blue Shield Association