Blue Shield has announced an option to delay individual and family non grandfathered policy cancellations and migrations.

This does not apply to Medicare or Groups

Blue Shield has previously notified non grandfathered policyholders of the cancellation and migration (automatic change with no loss of coverage) that will take effect on January 1, 2014. Blue Shield will give these policyholders an option to delay the cancellation and migration until April 1, 2014. Here is what you need to know.

1- if you delay the migration until April you will not be credited for any portion of your current deductible or out of pocket expenses. You will have a new deductible and out of pocket expense to satisfy beginning April 1, 2014.

2- if you are subsidy eligible and wait until April you will not receive a subsidy until we send an application to Covered California requesting an April 1, 2014 effective date. You will not receive a subsidy for the months of January-March.

3- I have sent previous e mails indicating that the new plans to which you will be migrated will have different provider networks. If you opt to delay your migration to April you will have your current network until that time.

The Blue Shield provider finder is difficult to navigate. I will send an e mail next week with instructions so you may search for your providers.

I do know that UCLA Medical Center and Cedars Sinai Medical Center will not be PPO providers in the migrated plans effective January 1, 2104. If you need these facilities between January 1, 2014 and March 31, 2104 you may do so by delaying your migration. Remember your out of pocket costs will not be transferred to the new policy on April 1, 2014.

 If your policy is grandfathered you can keep your plan and the existing network of Blue Shield providers. You will not be migrated. This is a huge advantage.

 I am still waiting for approval of rates and benefits of other companies. I will send you an e mail when they become available.


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