Health Care Update from Heller Management

Just received this afternoon via e-mail:

TO: All Hands (U.S. Offices)

We recognize that health insurance coverage is a very important issue for our employees and their families. CIGNA, our primary medical and dental care insurance provider, has confirmed that coverage for all personnel insured under that policy is in place for October. We can also confirm that our premium payment terms are current with our other providers, Kaiser and Group Health Cooperative, and we have no reason to believe that those benefits will be discontinued provided we continue to meet our premium payment schedule, something we have every intention of doing.

The situation concerning continued coverage for other benefits is more complex. We are currently working to address continued coverage and will have more information on these benefits shortly.


1 Response to “Health Care Update from Heller Management”

  1. 1 Maria Cusmille, CFP 30 October 2008 at 6:33 pm

    Given that group plan has disbanded, COBRA is not option. For the state of California, ex- employees have the following options:
    1). Buy a Health Net Short Term plan or Anthem Blue Short Term. The deductibles/ rates vary and are subject to limited underwriting.

    2. Buy a HIPPA plan from any of the carriers which offer a plan. Anthem Blue Cross, Blue Shield and Aetna have plans; however, prices vary. This would be a guaranteed issued plan (not subject to underwriting) and you could not be declined assuming you have a). a certificate of creditable coverage from CIGNA show 18 months of coverage ( you can call the customer service dept. and get them to email you a copy); and, b). letter on company letterhead sign by a person within the firm stating “no COBRA is offered due to the company disbanding and no longer operating as a group plan”.

    3). Apply for an individual insurance plan. This would take up to 10 business days and is subject to underwriting.

    You can apply directly with the insurance company or though an agent. The plan price will be same either way. If you go through agent, make sure they are an agent all state carriers.

    If I can help you in anyway, please call me at 805-444-8889 or email at

    Maria Cumsille, Certified Financial Planner®
    Managing risk through the effective use of insurance.
    Insurance Specialist
    CA LIC. # OE16215
    Health, Life, and Long Term

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