Prior Approval Rate Changes and/or Product Discontinuances

We have submitted a rate change request to the New York Department of Financial Services (NYDFS) to modify rates for our small group plans effective January 1, 2024, upon renewal.

New York State law requires that health insurance carriers provide an initial notice to affected groups when we submit requests for rate changes to the NYDFS. The law also requires that we explain proposed rate changes. Therefore, the below grid outlines the requested rate changes for our small group products. The submitted rate change requests are pending NYDFS approval.

An explanation of the proposed rate change requests can be found in the grid below. Since the NYDFS must approve all premium rates, the final 2024 rate increases will not be available until approval is received. At that time, we will send group benefit administrators a second notice, at least 60 days before your group’s 2024 effective date, with the approved rate changes. You have 30 days from our June 2023 filing date to contact Empire or the DFS to ask for more information about the rate-change filing or to submit written comments to the DFS. If you have any other questions, you can contact us by emailing Anthem at premiumratechange@anthem.com. Or, if you are an employee, you can call the customer service number on the back of your member ID card.

Written comments submitted to the DFS will be posted on the website of the DFS with all personal identifying information removed. Comments may be submitted to the DFS online at http://www.dfs.ny.gov/healthinsurancepremiums or by contacting:

NYS Department of Financial Services

Health Bureau — Premium Rate Adjustments

One Commerce Plaza

Albany, NY 12257

You may also reach the DFS by email at premiumrateincreases@dfs.ny.gov

*Important Note: On January 1, 2024, Empire BlueCross BlueShield/Empire BlueCross will become Anthem Blue Cross and Blue Shield/Anthem BlueCross. Only our name is changing. You and your employees can expect the same great benefits, service, and best-in-class networks you enjoy today. There is no action needed by you or your employees at this time. You will hear more about this change before your 2024 renewal date.