ÿþ<html> <head> <title>100611</title> </head> <body bgcolor=white lang=EN-US link=blue vlink=purple jquery1285362686734=41 jquery1285355562531=42 jquery1287180298468=43 jquery1283467321765=46 jquery1283454571968=29 jquery1279907695906=94 jquery1278710090671=46 jquery1277855881984=43 jquery1277837058312=44 jquery1276109412499=37 jquery1276106122452=40 jquery1276023222312=44 jquery1276120003093=39 jquery1277853670078=46 jquery1278092017339=46 jquery1278101410153=47 jquery1279048986906=42 jquery1279058487281=43 jquery1279832665046=83 jquery1280173031435=41 jquery1280180957357=40 jquery1275513481312=43 jquery1273189794953=40 jquery1273181562968=47 jquery1272922427796=64 jquery1271878266375=39 jquery1271447667000=66 jquery1261593501593=61 jquery1270058053997=51 jquery1269462703295=55 jquery1268864184934=49 jquery1267818517168=48 jquery1267730564015=74 jquery1267126806318=59 jquery1267053178125=70 jquery1263241996750=71 jquery1262647041828=49 jquery1262636384500=63 jquery1262646079953=42 jquery1262647495031=52 jquery1266957598484=70 jquery1267126181836=51 jquery1267655479656=79 jquery1267659345703=83 jquery1267750940390=47 jquery1268678464562=68 jquery1268691448015=48 jquery1269041411250=73 jquery1269980722062=67 jquery1270074073937=48 jquery1271710387984=49 jquery1271963664478=38 jquery1272999021031=40 jquery1273017484000=41 jquery1274476354343=69 jquery1274478900015=38 jquery1274479164140=46 jquery1275520110640=48 jquery1275604639968=39 jquery1308677859343=46 jquery1288208747807=48 jquery1317929935210=59 jquery1317929935210=59> <body bgcolor="#FFFFFF" class="Normal"> <div class=WordSection1> <div align=center> <table border=0 cellpadding=0 width=740> <tr> <td width="100%" valign=top class="Normal"><p><b><i><span style='font-size:18.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;; color:black'><img width=731 height=100 id="_x0000_i1025" src="http://www.rbgsocal.com/rogersreport/rrbanner.gif" title="" complete=complete></span></i></b></p> <p align=center style='text-align:center'><span style='font-size:24.0pt;font-family:"Arial","sans-serif";"Times New Roman";color:red'>Self Funding Wrap Guidelines</span><span style='font-size:18.0pt;font-family:"Arial","sans-serif";"Times New Roman";color:black'>&nbsp;</span><span style='font-size:18.0pt; color:black'> </span></p> <p><strong><span style='font-family:&quot;Arial&quot;,&quot;sans-serif&quot;; color:black'>Definition of a  Wrap Plan </span></strong></p> <p><span style='font-family:"Arial","sans-serif";"Times New Roman";color:black'>A  wrap plan includes any employer-sponsored plan, which is:<br> (1) Paid for or funded in whole or in part by the employer and/or the employee;</span></p> <p><span style='font-family:"Arial","sans-serif";"Times New Roman";color:black'>(2) Provides reimbursement for (a.) health plan deductibles, copayments, coinsurance, or medical expenses, or (b.) provides for the payment of set amounts in the event of hospitalization.</span></p> <p><span style='font-family:"Arial","sans-serif";"Times New Roman";color:black'>Examples include: an employer-funded flexible spending account (FSA), a health reimbursement account (HRA), self-funding or partially self funding of the deductible or other benefits, an IRS Section 105 plan, a medical expense reimbursement plan (MERP), or a hospital confinement policy. For this definition, a wrap plan does not include a health savings account (HSA) or employee-funded general purpose flexible spending account (FSA).</span></p> <p><strong><i><u><span style='font-family:&quot;Arial&quot;,&quot;sans-serif&quot;; color:black'>CARRIERS ALLOWABLE  WRAP PLANS</span></u></i></strong><span style='font-size:18.0pt;font-family: &quot;Arial&quot;,&quot;sans-serif&quot;;color:black'> </span></p> <p><strong><u><span style='font-family:&quot;Arial&quot;,&quot;sans-serif&quot;; color:black'>Aetna</span></u></strong></p> <p><span style='font-family:"Arial","sans-serif";"Times New Roman";color:black'>Will allow HRA s  wrapping and  self funding of the deductible alongside any Aetna plan (<em><span style='font-family: &quot;Arial&quot;,&quot;sans-serif&quot;'>including the HMO 70% coinsurance plan effective 7-1-11) </span></em>under the following guidelines:&nbsp;</span></p> <ul type=disc> <li><span style='font-family:"Arial","sans-serif";"Times New Roman"'>Employers can fund up to 50% of the deductible for all plans except for the HSA plans </span></li> </ul> <ul type=disc> <li><span style='font-family:"Arial","sans-serif";"Times New Roman"'>Employer funding a portion of the employee s deductible, copayment/coinsurance will only be eligible for Aetna s RAF promotion when using Aetna HealthFund HRA </span></li> </ul> <ul type=disc> <li><span style='font-family:"Arial","sans-serif";"Times New Roman"'>Aetna will continue to request a Statement of Understanding at new business and renewal to confirm groups are only funding a maximum of 50% of the deductible For all other Aetna MC plans, including the HRA 5000 and the MC 10,000 plans, the only funding allowed is through Aetna s HealthFund HRA. The maximum amount of the deductible the employer can contribute is 50%&nbsp;<br> &nbsp;</span></li> </ul> <p><strong><u><span style='font-family:&quot;Arial&quot;,&quot;sans-serif&quot;; color:black'>Blue Shield</span></u></strong><strong><span style='font-family:&quot;Arial&quot;,&quot;sans-serif&quot;; color:black'> </span></strong><strong><span style='font-family:&quot;Arial&quot;,&quot;sans-serif&quot;; color:red'>(effective January 1, 2012)</span></strong><strong><span style='font-family:&quot;Arial&quot;,&quot;sans-serif&quot;; color:black'>&nbsp;</span></strong></p> <p><span style='font-family:"Arial","sans-serif";"Times New Roman";color:black'>Allows the following plan to be wrapped: </span></p> <ul type=disc> <li><span style='font-family:&quot;Arial&quot;,&quot;sans-serif&quot;; color:black'>Simple Savings 3400/6800 </span></li> </ul> <p><span style='font-family:"Arial","sans-serif";"Times New Roman";color:black'>There is no restriction on how much of the deductible is funded. The following guidelines apply:&nbsp; </span></p> <ul type=disc> <li><span style='font-family:&quot;Arial&quot;,&quot;sans-serif&quot;; color:black'>Groups using <em><span style='font-family:"Arial","sans-serif"'>any employer-sponsored wrap plan or product</span></em>, other than an HSA or employee funded general purpose FSA, are not eligible for the RAF program.</span><span style='"Times New Roman"'> </span></li> <li><span style='font-family:"Arial","sans-serif";"Times New Roman"'>Groups with employees enrolling in the plan permitted to pair with a wrap product - Simple Savings 3400/6800 - are not eligible for the RAF program. This exclusion applies whether the plans are offered as standalone or as part of any package.</span></li> </ul> <p><strong><u><span style='font-family:&quot;Arial&quot;,&quot;sans-serif&quot;; color:black'>HealthNet</span></u></strong><strong><span style='font-family:&quot;Arial&quot;,&quot;sans-serif&quot;; color:black'> (No change to guidelines)</span></strong></p> <p><span style='font-family:"Arial","sans-serif";"Times New Roman";color:black'>Allows the following plans to be wrapped: </span></p> <ul type=disc> <li style='color:black;'><span style='font-family:"Arial","sans-serif";"Times New Roman"'>HRA 3000 </span></li> <li style='color:black;'><span style='font-family:"Arial","sans-serif";"Times New Roman"'>HRA 5000</span></li> </ul> <p><span style='font-family:"Arial","sans-serif";"Times New Roman";color:black'>No restriction on the percentage of deductible that may be funded. Employer may apply for RAF promotion.</span></p> <p><strong><u><span style='font-family:&quot;Arial&quot;,&quot;sans-serif&quot;; color:black'>UHC</span></u></strong><strong><span style='font-family:&quot;Arial&quot;,&quot;sans-serif&quot;; color:black'>&nbsp;</span></strong><strong><span style='font-family:&quot;Arial&quot;,&quot;sans-serif&quot;; color:red'>(effective November 1, 2011)</span></strong></p> <p><span style='font-family:"Arial","sans-serif";"Times New Roman";color:black'>Allows the following plans to be wrapped:</span></p> <ul type=disc> <li style='color:black;'><span style='font-family:"Arial","sans-serif";"Times New Roman"'>J3-V 2000/70% </span></li> <li style='color:black;'><span style='font-family:"Arial","sans-serif";"Times New Roman"'>J3-W 3000/70% </span></li> </ul> <p><span style='font-family:"Arial","sans-serif";color:black'>The employer may use United HealthCare or another HRA administration company. The maximum amount of the deductible the employer can contribute is 50%. RAF promotion does apply. </span></p> <p><strong><u><span style='font-family:&quot;Arial&quot;,&quot;sans-serif&quot;; color:black'>Sharp</span></u></strong><strong><span style='font-family:&quot;Arial&quot;,&quot;sans-serif&quot;; color:black'> (No change to guidelines) </span></strong></p> <p><span style='font-family:"Arial","sans-serif";"Times New Roman";color:black'>No plans at this time are HRA compatible and/or allow HRA self fund wrapping.</span></p> <p align=center style='text-align:center'><span style='font-size:13.5pt;font-family:"Arial","sans-serif";"Times New Roman";color:black'>Please call us with any questions about Self Funded Wrap Guidelines</span></p> <p align=center style='text-align:center'>&nbsp;</p></td> </tr> <tr> <td width="100%" valign=top class="Normal"><div align=center style='text-align:center'><span style='font-family:"Arial","sans-serif";"Times New Roman"'> <hr size=2 width="100%" align=center> </span></div> <p align=center style='text-align:center'><span style='font-family:"Arial","sans-serif"'>&nbsp;<img width=514 height=29 id="_x0000_i1027" src="https://app.icontact.com/icp/loadimage.php/mogile/150263/0851081d0583caf0f6637202ebc48b94/image/gif" title="" complete=complete></span></p> <div align=center style='text-align:center'><span style='font-family:"Arial","sans-serif";"Times New Roman"'> <hr size=2 width="100%" align=center> </span></div></td> </tr> <tr> <td width="100%" valign=top class="Normal"><p align=center style='text-align:center'><span style='font-family:&quot;Arial&quot;,&quot;sans-serif&quot;; color:navy'><img width=600 height=65 id="_x0000_i1029" src="http://www.rbgsocal.com/images/phonefax.jpg" title="" complete=complete><br> </span><span style='color:navy'><a href="mailto:quotes@rbgsocal.com"><strong><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><shape style="width: 105.75pt; height: 29.25pt;" id="_x0000_i1030" type="#_x0000_t75" alt=""><imagedata o:href="cid:image004.gif@01C917EB.60D03120" src="file:///C:%5CDOCUME%7E1%5CJames%5CLOCALS%7E1%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_image004.gif">e-mail us!</span></strong><span style='font-size:13.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;; text-decoration:none;text-underline:none'> </imagedata></shape></span></a></span><span style='font-family:"Arial","sans-serif";color:navy'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span><a href="http://www.rbgsocal.com/"><strong><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><shape style="width: 110.25pt; height: 29.25pt;" id="_x0000_i1031" type="#_x0000_t75" alt=""><imagedata o:href="cid:image005.gif@01C917EB.60D03120" src="file:///C:%5CDOCUME%7E1%5CJames%5CLOCALS%7E1%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_image005.gif">visit us online!</span></strong><span style='font-size:13.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;; color:windowtext;text-decoration:none;text-underline:none'> </imagedata></shape></span></a></p> <div align=center style='text-align:center'><span style='font-family:"Arial","sans-serif";"Times New Roman"'> <hr size=2 width="100%" align=center> </span></div> <p><span style='font-size:7.5pt;font-family:&quot;Verdana&quot;,&quot;sans-serif&quot;; '>Some documents in this eBroadcast may be presented in standard PDF format. 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