November 28, 2012

Notifying Groups and Subscribers About
2013 Final Renewal Rates

In accordance with NYS Insurance laws §§3231(e) and §§4308 (c), EmblemHealth must provide advance written notice of premium rate adjustments approved by the New York State Department of Financial Services (NYSDFS) to each policyholder and certificate holder affected by this premium rate adjustment.

In order to provide continued transparency and comply with the law, EmblemHealth sent rate change notification letters to groups and subscribers covered under EmblemHealth, samples of which are attached below:

The subscriber letters, starting with the January 1, 2013 renewals, were mailed approximately 60 days in advance of the policy renewal date and included a copy of the renewal letter the group received with the approved rates. Whether this is the group's final rates or not will depend on plan changes the group may or may not make during the renewal period.

If you have questions, please contact your EmblemHealth representative.

Thank you.