| If your business has an effective date prior to | | | | upcoming Focal Renewal May 1, 2007. We can |
| December 1, 2003, you will be receiving you will | | | | provide you with a summary of all rates by plan, by |
| receive your kit directly from Blue Cross. These kits | | | | rate area, by pay period, and for any of the Blue |
| will contain your groups' census information along with | | | | Cross plans offered in the Blue Cross Elect portfolio |
| the ammended plan designs and rate increases. This | | | | depending on your contribution situation. |
| advance notice will give us time to plan ahead and | | | | For more information on your Focal Renewal and |
| allow us to lock in your group business at current | | | | support contact Eric Trost at Pension & Benefit |
| premium levels, with 12-month rate guarantees and | | | | Insurance Services, Inc., call toll free at 1 |
| anniversary health coverage renewal cycles, over the | | | | 888-661-0700 or visit To review small business health |
| next few months. Today is not too early to lock in | | | | insurance plans and rates from other major carriers |
| Blue Cross rates for April effective dates! | | | | please contact me today. |
| Eric Trost of Pension & Benefit insurance | | | | Keep in mind that there are no deletion of plans this |
| services continues to be your primary source for all | | | | year with the Blue Cross focal renewal. However, |
| your Blue Cross Focal Renewal needs. We are here | | | | Blue Cross has inserted a couple of HSA type plans |
| once again to be your Focal Renewal resource! All | | | | into their portfolio for this year. |
| medical and dental plans are effected by the | | | | |