Commercial Insurance Rating Formulas - PDF by apv12851


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                                                                            PO Box 7469, Bend, OR 97708 
                                                                            Local 541.385.5315 
                                                                            40 Four Mile Drive, Suite 8, Kalispell, MT 59901 
                                                                            Local 406.751.2460 
                                                                            Toll Free 888.863.3637 
                                                                            June 28, 2010
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                                       Important Information:
              Clear One Small Employer Plans to be Discontinued Effective January 1, 2011

    In May of this year, Clear One Health Plans, Inc. became a wholly owned subsidiary of PacificSource
    Health Plans. PacificSource is an independent, not-for-profit community health plan with a 77-year
    history serving people in the Northwest. PacificSource is well-known locally for their dedication to
    service excellence. Enclosed is information about the company’s experience, philosophy, and
    operational performance.

    As noted in the May e-mail announcement, we are working to merge Clear One’s commercial insurance
    operations with PacificSource’s operations to achieve greater administrative efficiencies. These
    changes will ultimately provide you with a higher level of personal service. As part of these changes, it
    has become necessary to discontinue Clear One small employer plans where PacificSource offers a
    similar plan.

    Your current Clear One plan will be discontinued effective January 1, 2011. As a result of this
    discontinuance, you may move to any PacificSource plan available to the small employer market any
    time prior to January 1, 2011. PacificSource plans offer many of the same coverage options available to
    you now through Clear One, plus many new extras for your employees, such as emergency assistance
    while traveling, reimbursement for health-related classes, and access to online resources to help
    manage their health. Rates are based on the rating formulas filed with the Oregon Insurance Division
    and vary based on your organization’s demographics and the benefits you select.

    It is our goal to make the transition to PacificSource as easy and hassle-free as possible for you and
    your employees. We encourage you to learn more about the transition process through our dedicated
    Web site: There, you’ll find links to plan summaries,
    information about no-cost extras, and fliers about PacificSource’s operational and financial

    What will happen between now and January 1?
        If your next annual renewal is on or before January 1, 2011:
        Prior to your renewal date, you will receive information about your options. Your renewal will
        include information on PacificSource small group plans and rates, as well as information on
        continuing with your Clear One plan until it is discontinued on January 1, 2011. If you choose to
        remain on a Clear One plan at renewal, your plan year will effectively be shortened and you will
        need to select a new plan, whether it is from PacificSource or another carrier, for January 1, 2011
        when the Clear One plans are no longer available.
     If your next annual renewal is after January 1, 2011:
     Before the January 1, 2011 discontinuance of your Clear One plan, PacificSource will provide you
     with information about their small employer plans and rates. They are committed to working with
     you to help you transition to a similar PacificSource plan on January 1 with no disruption in
     coverage. Whether you select PacificSource or another insurer to provide your group coverage,
     your new plan year will begin on the date you transition from Clear One.

Interested in moving to a PacificSource plan prior to your renewal or January 1?
You are welcome to move to a PacificSource plan any time prior to January 1. If you do so,
PacificSource will credit your Clear One plan deductibles and out-of-pocket expenses toward your new
PacificSource plan. New enrollment applications will not be required. For details and rate information,
you are welcome to contact your agent, or a representative of the PacificSource sales team at (541)
330-8896, or toll-free at (888) 877-7996. If you choose to keep your coverage with Clear One, you will
need to find alternative coverage, whether with PacificSource or another carrier, for January 1, 2011
when the Clear One plans are no longer available.

Until you move to a new plan, your employees should continue to contact Clear One Member Services
for assistance at (541) 385-5315 or toll-free at (888) 863-3637. If you have any questions about this
notice of discontinuance, please contact a member of the Clear One sales team at (541) 330-4967. We
appreciate your patience as we work to merge our operations.


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