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Tobacco-Use
Rate – BluePreferred
has a discount for non-tobacco users. To be eligible
for these rates, an individual must not have used any tobacco
product (cigarettes, cigars, chewing tobacco, pipe) for twelve
(12) consecutive months prior to the date of application.
For a family program, ALL members must be non-tobacco
users for twelve (12) consecutive months to qualify for non-tobacco
user rates.
Rate
Calculation – Figure the total monthly
rate for BluePreferred for Individuals by adding the rates
for each person to be covered by the policy. Choose
a deductible, then figure for each individual's age, sex,
and tobacco use. If anyone in the household uses tobacco,
then the whole family receives the tobacco rates. A
policy may also cover a spouse and eligible dependent children.
The
"child" rate is for an unmarried dependent child
younger than age nineteen (19). If a child is applying
for a child-only policy where there are no adults on the policy,
his or her rate is figured by the 0-24 age category. For
a multiple child only policy, please list the youngest child
as the applicant for the 0-24 rate, and siblings as dependents
for the child rate.
Family
coverage can include an unmarried child who is under 24 years
of age who is financially dependent upon the parent. At
the end of the month of the limiting age, as appropriate,
the child is automatically removed from coverage as a dependent
and has the opportunity to continue the same coverage on his
or her own policy. If financial dependency is to continue
between the ages of 19-24, we must receive substantiating
documentation. If an unmarried child age 19 or older
is medically certified as disabled and dependent upon the
parent, we must receive notice of the condition in order for
the child to qualify for the dependent rate.
Rates
are based on age, gender, benefit plan, family size, and tobacco
use.
Final
underwriting and rate determination will be made by Anthem
Blue Cross and Blue Shield upon receipt, review, and acceptance
of your signed application.
The
rates for BluePreferred PPO for Individuals are subject to
change with 30-day written notice. Prior to a premium
change, Anthem will send out a written notification 30 days
in advance of such change. Anthem is not required to
notify a member of a premium increase when a member enters
into a new age bracket. When a customer or spouse attains
an age that requires a change to a new rate category, the
adjustment will be made the January following his or her birthday.
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