ÿþ<html> <head> <title>101411</title> </head> <body bgcolor=white lang=EN-US link=blue vlink=purple jquery1316632767687=52 jquery1310679188718=35 jquery1307665642203=32 jquery1307665027140=33 jquery1297366994578=42 jquery1291316496938=43 jquery1275604639968=39 jquery1275520110640=48 jquery1274479164140=46 jquery1274478900015=38 jquery1274476354343=69 jquery1273017484000=41 jquery1272999021031=40 jquery1271963664478=38 jquery1271710387984=49 jquery1270074073937=48 jquery1269980722062=67 jquery1269041411250=73 jquery1268691448015=48 jquery1268678464562=68 jquery1267750940390=47 jquery1267659345703=83 jquery1267655479656=79 jquery1267126181836=51 jquery1266957598484=70 jquery1262647495031=52 jquery1262646079953=42 jquery1262636384500=63 jquery1262647041828=49 jquery1263241996750=71 jquery1267053178125=70 jquery1267126806318=59 jquery1267730564015=74 jquery1267818517168=48 jquery1268864184934=49 jquery1269462703295=55 jquery1270058053997=51 jquery1261593501593=61 jquery1271447667000=66 jquery1271878266375=39 jquery1272922427796=64 jquery1273181562968=47 jquery1273189794953=40 jquery1275513481312=43 jquery1280180957357=40 jquery1280173031435=41 jquery1279832665046=83 jquery1279058487281=43 jquery1279048986906=42 jquery1278101410153=47 jquery1278092017339=46 jquery1277853670078=46 jquery1276120003093=39 jquery1276023222312=44 jquery1276106122452=40 jquery1276109412499=37 jquery1277837058312=44 jquery1277855881984=43 jquery1278710090671=46 jquery1279907695906=94 jquery1283454571968=29 jquery1283467321765=46 jquery1287180298468=43 jquery1285355562531=42 jquery1285362686734=41 jquery1290026324917=48 jquery1295466635843=45 jquery1302820379546=34 jquery1310673821218=38 jquery1314040676640=38 jquery1318632738312=48 jquery1318632738312=48> <body bgcolor="#FFFFFF" class="Normal"> <div class=WordSection1> <div align=center> <table border=0 cellpadding=0 width=740> <tr> <td width=800 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'>Updated Carrier Underwriting Guidelines</span></p> <p align=center style='text-align:center'><span style='font-size:18.0pt;font-family:"Arial","sans-serif";"Times New Roman";color:red'>10/14/11</span></p> <p align=center style='text-align:center'><span style='font-size:18.0pt;font-family:"Arial","sans-serif";"Times New Roman";color:black'><a href="http://www.rbgsocal.com/forms/uw_guides.pdf"><strong><span style='font-family:"Arial","sans-serif"'>Click Here to go to the Updated&nbsp;Small Group Carrier Guidelines</span></strong></a></span></p> <p><strong><span style='font-size:13.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;; color:black'>Here&nbsp;are the&nbsp;updates that have been made to the Small Group Carrier Guidelines:&nbsp;&nbsp; </span></strong></p> <p><strong><i><u><span style='font-size:13.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;; color:black'>Blue Shield:</span></u></i></strong></p> <ul type=disc> <li style='color:black;'><span style='font-size:13.5pt;font-family:"Arial","sans-serif";"Times New Roman"'>Carrier Wrap Guidelines  Added the new guidelines for offering Blue Shield s new January plans alongside another carrier s HMO plan. </span></li> <li style='color:black;'><span style='font-size:13.5pt;font-family:"Arial","sans-serif";"Times New Roman"'>Carve Out Criteria  Amended guidelines for writing location, salary vs. hourly and union carve outs currently with Blue Shield. </span></li> <li style='color:black;'><span style='font-size:13.5pt;font-family:"Arial","sans-serif";"Times New Roman"'>HRA Eligibility  Added new guidelines for writing an HRA plan effective January 1 with the new Simple Savings plan. </span></li> <li style='color:black;'><span style='font-size:13.5pt;font-family:"Arial","sans-serif";"Times New Roman"'>Multiple Plan Options  Added the new guidelines for offering multiple plans with Blue Shield s new January plans. </span></li> <li style='color:black;'><span style='font-size:13.5pt;font-family:"Arial","sans-serif";"Times New Roman"'>Participation Guidelines- Added the new guidelines for participation for Blue Shield new plans effective January 1.&nbsp;</span></li> <li style='color:black;'><span style='font-size:13.5pt;font-family:"Arial","sans-serif";"Times New Roman"'>Spin Off  Added clarification to guidelines that state 50% of a spin off group must have been insured with the prior Blue Shield plan&nbsp;under the&nbsp;prior employer. </span></li> <li style='color:black;'><span style='font-size:13.5pt;font-family:"Arial","sans-serif";"Times New Roman"'>Union Carve Outs  Clarified the guidelines&nbsp;for writing&nbsp;a union vs. non-union group under guarantee issue for groups of 2 to 50 employees (51 to 299 is non-GI in all cases).</span></li> </ul> <p><strong><i><u><span style='font-size:13.5pt;font-family: &quot;Arial&quot;,&quot;sans-serif&quot;;color:black'>Sharp:</span></u></i></strong></p> <ul type=disc> <li style='color:black;'><span style='font-size:13.5pt;font-family:"Arial","sans-serif";"Times New Roman"'>Carrier Wrap Requirements  Removed all language regarding their old PPO plan, which is no longer available for new sales. </span></li> <li style='color:black;'><span style='font-size:13.5pt;font-family:"Arial","sans-serif";"Times New Roman"'>Carve Out Criteria  Amended to show current guidelines for writing a carve out with Sharp. </span></li> <li style='color:black;'><span style='font-size:13.5pt;font-family:"Arial","sans-serif";"Times New Roman"'>Multiple Plan Options - Removed all language regarding their old PPO plan, which is no longer available&nbsp;for new sales. </span></li> <li style='color:black;'><span style='font-size:13.5pt;font-family:"Arial","sans-serif";"Times New Roman"'>Out of State  Added new guidelines for writing groups with out of state employees. </span></li> <li style='color:black;'><span style='font-size:13.5pt;font-family:"Arial","sans-serif";"Times New Roman"'>Participation Guidelines - Removed all language regarding their old PPO plan, which is no longer available&nbsp;for new sales. </span></li> </ul> <p><strong><i><u><span style='font-size:13.5pt;font-family: &quot;Arial&quot;,&quot;sans-serif&quot;;color:black'>United Healthcare:</span></u></i></strong></p> <ul type=disc> <li style='color:black;'><span style='font-size:13.5pt;font-family:"Arial","sans-serif";"Times New Roman"'>Carrier Wrap Requirements  Amended guidelines to reflect new PremierSource plan options available November 1st.&nbsp; </span></li> <li style='color:black;'><span style='font-size:13.5pt;font-family:"Arial","sans-serif";"Times New Roman"'>HRA Section  Updated to reflect UHC s new plans available to write with an HRA starting November 1st.&nbsp;</span></li> <li style='color:black;'><span style='font-size:13.5pt;font-family:"Arial","sans-serif";"Times New Roman"'>Multiple Plan Options  Updated guidelines to reflect UHC s new guideline for writing select full network and reduced network HMO plans together.</span></li> </ul> <p>&nbsp;</p></td> </tr> <tr> <td 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 border=0 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 class="Normal"><p align=center style='text-align:center'><span style='font-family:&quot;Arial&quot;,&quot;sans-serif&quot;; 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