Horizon-BCBSNJ has decided to permit the 4th quarter renewals, which include October, November and December, to renew within their existing pre-ACA plan.

Groups renewing in those time frames will receive notification along with their renewal options for both their pre- ACA and ACA option. The ACA notification include the 90 day non-renewal letter with the recommended, mapped ACA plan and option to shop within the Horizon ACA product portfolio. The pre-ACA notification will reference that the group is able to renew their 2013 plan as is.

The grandmother renewals will be rated using the pre-ACA small group rating structure which will allow them to keep 4-tiered rates, Medicare carve-out rates and dependent to 31 discounts.

Lastly, it is important to note that if a group does not submit a plan selection for their renewal, they will automatically soft-convert to their mapped, ACA compliant plan.

For any questions on Horizon's Grandmothering process, please contact [email protected]