C.A.R. Health Plans Open Enrollment has started!

We emailed all clients on Friday and Saturday to let them know that Open Enrollment started 11/1.  Our email contained information about the changes for this Open Enrollment.  They are:


  • No changes to rates or benefits until the next renewal, 6/1/15.


  • No change to benefits for any of the Ameritas plans
  • Rates increase on each plan
    • Choice Plan – 5.92%
    • Select Plan – 6.06%
    • Value Plan – 8.12%


  • Effective 1/1/15, the C.A.R. vision plan will have a $25 Materials Copay for glasses or contacts.  Exams are still free, and members can still get exams and glasses or contacts every 12 months.
  • Rates will increase by 12%
  • Administrative Change:  Effective 1/1/15, a members whose vision coverage terminates may not re-enroll until the first Open Enrollment following a 13 month waiting period, or within 60 days of a loss of other coverage.


  • No changes to rates or benefits for the C.A.R. life, AD&D and Voluntary AD&D plans


We thank all those who support the C.A.R. Health Plans, and we encourage all members to review our benefits during this Open Enrollment.  Below are some of the advantages C.A.R. offers: Advantages of C.A.R. Plans

  • Group PPO plans with Anthem Blue Cross use the Statewide Prudent Buyer PPO network.  This is a much larger network than the one available to individual plan members or Covered California members.
  • Group HMO plan with Anthem also uses larger HMO network
  • Most Anthem plans utilize the larger “nationwide” drug formulary
  • Group Kaiser plans are often less expensive than individual Kaiser plans, with more options to choose from
  • Group dental is available with no waiting period for services and features plans that offer a benefit rollover for those who qualify
  • Group vision offers free exams every 12 months, and lenses/frames or contacts every 12 months
  • Group life insurance is guaranteed issue to NEW C.A.R. members who have not been hospitalized within 90 days of making application
  • Consolidated billing for all your benefit elections

Come see what C.A.R. can offer you!  Visit www.RealCareCAR.com/open