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Policy on Retroactive Transactions
of Health Plan Membership
BACKGROUND and FACTS:
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Group
Benefits Strategies (GBS) provides each Participating Governmental
Unit with a monthly bill for health plans that include
a list of enrollees by health plan |
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CCMHG requires each Participating
Governmental Unit to (1) pay as billed, (2) review the membership
lists each month and (3) inform GBS' Manager of Enrollment &
Billing of any disputed enrollments |
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Health plans permit retroactive changes
up to following the event (termination
or enrollment) |
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HPHC
makes capitation payments to physicians as well as fee payments.
These capitated amounts cannot be recovered once paid |
CCMHG'S POLICY:
The CCMHG's policy is 60
days retroactivity for enrollment transactions. The CCMHG will
consider exceptions in 3 cases. In all cases reimbursements to
governmental units will be net of any expenses that cannot be recovered
from health plans, healthcare providers, reinsurer, or other.
No exceptions will be made to the 60-day
retroactive except for the following:
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Terminations because of death
Health plan terminations will be made beyond the 60-day
retroactivity period to the date of death of the member when the
Participaing Governmental Unit provides Group Benefits Strategies (GBS)
with a valid death certificate. Fees and payments withheld by
the health plan, healthcare provider, and/or reinsurance premiums will
be subtracted from the amount owed to the governmental unit. In
the case of health plans with monthly capitation payments to
providers, the CCMHG wil make an estimate of these payments made on
behalf of the member since his/her death and will subtract this from
the premium credited to the governmental unit. The estimate will
not be a subject of dispute.
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Member enrolled with two CCMHG
employers for the same period (BCBS only)
A governmental unit may request an exception to the 60-day
retroactivity if it has failed to terminate a member who is then
simultaniously covered with the same health plan through another CCMHG
employer. The unit must put its reqauest in writing to GBS
explaining the circumstances. No such
request will be processed with retroactivity beyond 6 months,
and any fees withheld by the health plan and claim payments along with
reinsurance premiums will be subtracted from the amount credited to
the CCMHG employer requesting the relief.
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Member simultaneously enrolled with
a non-CCMHG employer (BCBS only)
If the member was enrolled through the same
health plan with an employer that is not part of the CCMHG
while erroneously remaining enrolled with the CCMHG employer, the
CCMHG employer may make a written request to GBS for retroactive
termination beyond 60 days but not exceeding 6 months. The CCMHG
employer making the request will bear the burden of documenting that
the member has coverage on the same plan through another
employer. Any fees withheld by the health
plan and claim payments will be subtracted from the amount credited to
the CCMHG employer requesting the relief. |
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