Small Group RAF Specials
Carrier Special Offer
Required Enrollment
Available Through
Notes (Additional rules and exclusions may apply, please contact Price Associates)
Aetna 1.10 RAF Guarantee
2-4
 February 1 - December 15, 2008 Effective dates 
● New AB1672 qualified groups/Groups with no prior coverage do not qualify
● Groups w/ CalChoice, or that withdrew from Aetna over the past 12 months ineligible
● Current RAF must be 1.06 or lower
● Must submit both current renewal and last year's renewal or issued RAF for new business
● Groups that received a 10 point increase in RAF are ineligible
● COBRA enrollees do not count toward employee counts 
● 25+ enrolling do not have to submit busines structure paperwork with the new business submissio
Medicall underwritten to determine RAF
5-9
.90 RAF Guarantee
10-50
Anthem Blue Cross .95 RAF Guarantee
10-14
 May 1 - August 15, 2008 Effective Dates 
● New AB1672 qualified groups
● No medical questions required / .90 is the best possible RAF 
● RAF is guaranteed for initial 12 months from medical coverage effective date
● 25+ enrolling do not have to sumbit proof of ownership paperwork

● For 'Come Home to Blue' details please call Price Associates
.90 RAF Guarantee
15-50

6% Dental Savings
6% Life Savings

2-50
 Ongoing until
otherwise notified		 
● New AB1672 qualified groups 
● Available to inforce Small Group clients 
● No savings given to groups that add Life and Dental on different effective dates 
● Provides a 6% savings off both Life/Dental premiums for groups that purchase $25K of Life and Dental at the same time.
Integrated Workers' Comp Discount
2-50
Ongoing until
otherwise notified
 ● The workers' compensation must be written through the Integrated Department and within 6 months of the Medical effective date (after 6 months it will be subject to medical underwriting
● Groups with an RAF of 1.00 or lower will receive a .90 RAF
● Groups with an RAF of 1.01 through 1.05 will receive a 5-point Meidcal RAF discount
● Groups with a RAF of 1.06 through 1.10 do not qualify for a Medical RAF discount
● Groups will receive an automatic 10% discount of the workers' compensation rate regardless of the Medical RAF.
1% Medical Savings
2-50
Ongoing until
otherwise notified

● New AB1672 qualified groups
● Minimum of $25k Life must be purchased
● .90 is best possible RAF
California Choice® .90 RAF* or 1.0
15+
7/06 & later effective dates
● In order to qualify for a .90 the group must submit a copy of their current renewal RAF Statement (within 3 effective dates of their requested CaliforniaChoice effective date) from their current carrier showing a renewal RAF of 1.0 or less*
● Group must submit a copy of the Renewal during the underwriting process*
1.0 RAF Guarantee
5-14
 Ongoing until
otherwise notified
1.10 RAF Guarantee
2 - 4
Kaiser Permanente Choice Solution Groups replacing existing Kaiser
1.10
 Existing 1-5 Ees & Adding Less Than 10 Ees

● Life only employees and COBRA members are not included in employee count

● RAF is guaranteed for initial 12 months from medical coverage effective datew

● Most current Kaiser RAF (.95 and 1.05 will be rounded to a 1.0)
1.00
 Existing 1- 5 Adding More than 10 EEs (11-15)
.90
 Existing 1-40 Ees adding 10 EEs or more (16+)
Most Current Kaiser RAF(.95 and 1.05 will be rounded to 1.0)* Existing 6-40 ee's and adding less than 10 ee's
Groups not replacing Kaiser
1.10
 2-5 Employees

● Offer good for Effective Dates February 1 - July 1, 2008
● New AB1672 qualified groups
● Groups without prior coverage, currently enrolled in Kaiser Permanente direct or through CaliforniaChoice, an exchange, association trust fund or union are not eligible
● Current carrier Renewal RAF must be 1.05 or lower and copy of the renewal notice is required
● Enrollment numbers are counted on Medically enrolled at initial enrollment and throught the year/Life only employees and COBRA members are not included in employee count
● Renewal RAF guaratee is for the first year

.90
 6-10 Enrolling Employees no RAF guarantee at renewal.
.90
 11-15 Medically Enrolling .95 RAF guarantee at renewal - must maintain 11+ enrolled throughout the year.
.90
 16- 50 Medically Enrolling .90 RAF guarantee at renewal - must maintain average of 16+ enrolled throughout the year.