Dear C.A.R. Member:
Given today’s challenging healthcare environment, I’m pleased to let you know that open enrollment for group medical and vision coverages through C.A.R. runs through May 15. You now have an opportunity to enroll for coverage effective June 1, 2010.
This is your chance to get guaranteed issue health insurance through C.A.R.’s medical plan, as well as an opportunity to enroll for vision coverage. After May 15, you won’t be able to enroll in the C.A.R. program until the winter of 2010 for a Jan. 1, 2011, start date.
I encourage you to make some time today to review the information below so you are able to make an informed decision regarding insurance options for yourself and your family. If you have a qualifying event — the loss of group coverage, for example — or if you are a new C.A.R. member (between your 60th and 120th day of membership), you may be eligible now for all coverages. Call RealCare to find out if you qualify.
C.A.R. offers five plans through Anthem Blue Cross and 11 plans through Kaiser Permanente. Here are some important elements of C.A.R.’s open enrollment insurance offerings:
Kaiser Permanente – Guaranteed issue and no pre-existing conditions limitations;
Anthem Blue Cross of California – Guaranteed issue, and the ability to choose from PPO, HMO, or HSA programs. There are no pre-existing conditions limitations on the HMO plan;
MetLife Dental – Two PPO plans available, with competitive pricing and no waiting periods. Currently, dental coverage only is available if you have a qualifying event or if you are a new C.A.R. member. The annual Open Enrollment for dental is available for all others: During Oct. 15 through Nov. 30 for a Jan. 1 effective date. Please call RealCare if you have questions as to whether you qualify for dental now at (800) 939-8088, ext. 202. Members in the Inland Empire and Los Angeles and San Diego counties, also may call (800) 588-8628;
Medical Eye Services vision – No copay for exams, and no copay for frames and lenses with MES-approved providers once every 12 months;
MetLife Life – $25,000 or $50,000 of life and accidental death and dismemberment (AD&D) coverage, featuring guaranteed issue for new members with underwriting necessary for existing members.
Additional insurance products, available to you at any time through C.A.R., include Aflac accident and cancer insurance with a C.A.R. discount; VPI Pet Insurance offering C.A.R. members a 5-percent discount; AD&D insurance for members and their families; and long-term care and individual disability insurance.
RealCare, C.A.R’s. only endorsed health insurance agency, is ready and available to help compare your current plans and make the best choice for you and your family. For more information, call RealCare at (800) 939-8088 ext. 202, or go to http://realcare.biz/realtors. For those members located in the Inland Empire and Los Angeles or San Diego counties, you may call RealCare at (800) 588-8628 or go to www.RealCare.biz/KN.
I hope you’ll take advantage of this important member benefit available to you, and sign up today if you’re in the market for coverage. Even if you only want a check-up on your current coverage and price, call RealCare and they can either confirm what you have or provide you with another option.
CALIFORNIA ASSOCIATION OF REALTORS®