New GHLIT Medical Insurance Exchange Now Open

AVMA members with medical insurance through the Group Health and Life Insurance Trust (GHLIT) recently received a letter announcing some important news about the insurance program. Even if you don’t currently have GHLIT insurance, you might want to read on, because the news could also benefit you.

The letter announced that the AVMA GHLIT C.A.R.E. Insurance Exchange/Marketplace, a private insurance exchange for AVMA members that will help you secure insurance coverage tailored specifically to your needs, is now open for business to all AVMA members.

The new exchange provides members with the tools to shop for, compare costs and benefits, and enroll in a medical plan that best meets your needs. There is an array of insurance options available from a growing list of top carriers – all of which have been chosen specifically for veterinarians. These plans create an exclusive line of insurance products to protect you, your family and your business through every stage of your life. The exchange also includes access to other AVMA GHLIT non-medical insurance products, and live customer support is available to answer questions regarding your unique coverage needs.

As always, the AVMA GHLIT is dedicated to providing you – our members – access to the best available insurance coverage on the market today. We are confident that this exchange will benefit you by providing access to a variety of plans and easing this transition. But we need your help! Please be sure to review the information at your earliest convenience, as your current GHLIT medical insurance coverage will end on Dec. 31, 2013. To ensure that you are covered on Jan. 1, 2014, you must enroll between Oct. 1 and Dec. 15, 2013.

As always, please feel free to contact the GHLIT. Member-service representatives are ready to assist you and to answer your questions about the exchange and your insurance needs.

40 thoughts on “New GHLIT Medical Insurance Exchange Now Open

  1. Very disappointed in the AVMA options. There are a LOT of AVMA members. Can’t the AVMA use this large potential pool to get better rates from the Ins Co’s? It appears that most of the choices are more expensive than the comparable policies I have seen in the Healthcare.gov site and others.
    Why? The options are even more expensive than the GHLIT policies I have had in the past.
    Come on folks, can’t you do better for your membership?

  2. OK, this is progress. I am seeing plans for Kaiser and Blue Shield now. Not a lot, but at least I have some idea of the costs I will be looking at for a personal medical plan. I am a relief vet, booked through the end of December, and clinics are already asking about next Spring. Problem is, I can’t book days if I can’t quote a rate, and I don’t know what my daily rate should be until I know (roughly) how much my monthly expenses are going to be going up. The “compare” tool is a little wonky. Going to try viewing with different browsers because I bet the way it crops so that text always extends out of the frame is not how it is supposed to look.

  3. Your website is a real pain to navigate and the plans are difficult to decipher. Every time you view a plans details and return to plans your site kicks you back to page 1 plan 1 no matter whether you load 100 plans a page or not. It is almost impossible to review plan details with some of the companies.

    Requesting that biographical data on applicants be saved for future has not worked yet and I find myself typing in the same information over and over even on the same session.

    A much better approach would have been to send AVMA members brochure/pamphlets for the companies available plans so we could sit down and easily compare instead of trying to navigate/scroll through these web pages. With as much as this stuff costs I think you could afford it.

    Unfortunately your website must have been designed by the same people that did Obamacare. After several days of frustration I’m sick of it

    • Where’s the ‘like’ button for Dr. Landsheft? Guess I’m glad I’m not the only one who hit frustration long being cyphering out what comes next……

  4. I htink the new plans will be great. I now pay a huge surcharge with my current AVMA insurance becasue of a pre-existing condition, for which I take 2 cheap medicines and have never been hospitalized for. This is the highest surcharge (same as if I had a heart attack or cancer). The new plans will not be able to charge me a surcharge, so this will be great for me and many others. Many who are complaining about the ACA are probably now using it’s features ie keeping children on their plans until age 26, no pre-existing exclusoin for children, full coverage for preventive care (such as vaccines, colonoscopies, mammograms etc). These are all terific benefits and seem to get lost in the knee jerk response to “Obama Care”. Many folks hated Medicare at first too and it has turned out to be one of the best health plans available. Can’t wait for the new plans!

  5. My browser (Firefox) timed out while I was trying to select the 3rd plan for comparison and then kicked me back to the home page. This is going to be fun to do online.

    • I’m sorry to hear that you were not able to do a comparison. I’m not sure why the comparison tool didn’t work for you. I was able to compare 3 plans using Firefox as my browser.

      We want to make sure the GHLIT Exchange/Marketplace is working correctly so if you have a moment, can you try the comparison tool again? Please contact us if you experience the same problem again. Thank you for your patience!

  6. So, has anyone gotten a message other than “there are no plans available in your zipcode”? I think they may just be using us to test out their website, and it’s not really “live” yet.

    • The plans currently listed on the website are for 2013. If you are using the website to view 2013 plans, please use a start date in August.

      The 2014 plans are still being reviewed by the Department of Health and Human Services and will be released before October 1 in time for the public and private exchanges. As soon as the plans are released to us, they will be placed on the AVMA GHLIT C.A.R.E. website for the carriers who we have contracted with. The open enrollment period for 2014 plans is October 1, 2013 to March 31, 2014. To ensure that your coverage is effective January 1, 2014, you must enroll in a health plan by December 15, 2013.

  7. A few comments:

    First, the “req eff date” being limited to the end of August right now is of absolutely no help to those of us covered under the current plan through the end of the year. If AVMAGHLIT is going to serve its constituency and do right by those of us paying AVMA dues, they will actually think about how people will USE this system and will allow us to get quotes for coverage with a reasonable lead time. One month is NOT SUFFICIENT!

    Second, the response I got from the search was: “There are no products found for the zipcode entered.”
    Is the intent to be able to cover veterinarians throughout the country or are there specific locations that are served while others are neglected? I, too, expect better from this organization.

    Third, it would really be beneficial to have a tool where we can upload what our current coverage is (hint, you guys already HAVE THIS INFORMATION), and suggest comparable plans for us to consider.

    Again, demonstrates a lack of consideration of how people need to use a tool like this.

    While I’m happy that this finally rolled out, I’m disappointed with the implementation thus far and am scared for my medical care future!

    HELP!!

    Mark Terry, DVM
    Santa Fe, NM

    • The plans currently listed on the AVMA GHLIT C.A.R.E marketplace are for 2013. If you are using the website to view 2013 plans, please use a start date in August.

      The 2014 plans are still being reviewed by the Department of Health and Human Services and will be released before October 1 in time for the public and private exchanges. As soon as the plans are released to us, they will be placed on the AVMA GHLIT C.A.R.E. website for the carriers who we have contracted with. The open enrollment period for 2014 plans is October 1, 2013 to March 31, 2014. To ensure that your coverage is effective January 1, 2014, you must enroll in a health plan by December 15, 2013.

      The intent of the C.A.R.E marketplace is to assist members throughout the country in securing major medical insurance for 2014 and beyond.

      We appreciate your suggestion of uploading the current coverage to the CARE marketplace. Unfortunately this option is not currently available . If you would like to compare your current medical plan with the 2014 plans, please call the Trust office at 800-631-6360 and we will mail you a copy of your Summary of Benefit Coverage (SBC) or you can print a copy by visiting the AVMA GHLIT website. The SBC for your current plan can be found on your personal page under “My Coverage” on the right side of the page. Please note: The earliest you will be able to compare your current coverage to the 2014 plans will be October 1, 2013.

  8. Lets see. You can keep your current plan. LIE It will make premiums cheaper – My plan increased 55% once the Affordable Health care passed congress LIE This is going to be a disaster. Too late. People just wouldn’t wake up to reality and bought into the ” pie in the sky” lie. Have fun America. You never get anything for free which is how this was sold. It would be cheaper to pay the penalty and wait until you actually need health insurance since you can’t be denied. What a train wreck

    • At this time we are reaching out to several of the New England states insurance carriers who sell individual health insurance. We will continue to pursue top rated insurance carriers in each state. Our goal is to provide at least two choices in each state.

    • At this time we do not have any information on the coverage options or pricing of the 2014 plans. The 2014 plans are still being reviewed by the Department of Health and Human Services and will be released before October 1 in time for the public and private exchanges. Please be assured, once the plans are made available, the GHLIT will assist members in securing major medical insurance for 2014.

      • It is October 23rd and still no plans listed for the state of Pennsylvania? With a Dec 15th deadline time is running short.

        • Thank you for sending in your question to the AVMA.

          Initially the carriers were focused on 2014 plan rates for the Federal and State exchange/marketplaces. Very recently the carriers have begun to focus on the private exchanges/marketplaces, like AVMA GHLIT C.A.R.E. We are receiving plan information from the carriers daily and are working diligently to make them available on AVMA GHLIT C.A.R.E website as quickly as possible.

          The plans on the exchange are state and zip code specific which means that, plans offered in one part of the state may not be offered in other parts of the state. This is unfortunately what you are experiencing. There are plans available through AVMA GHLIT CARE marketplace in parts of Pennsylvania however there are currently no plans available in your locality. We anticipate that there will be plans available in your area soon.

          If you would like to talk to a dedicated AVMA GHLIT Representative, please call us at 877-473-6017 or contact your AVMA GHLIT agent.

          Thank you for your patience and understanding during this transition period. Please know that we appreciate your loyalty to the AVMA GHLIT.

          • I have given up with this AVMA exchange, and have called insurance carriers on my own. May be a good alternative for others to consider.

  9. I second Dr. McGrath’s comments. What is the point of looking at plans that would start coverage before Jan 1, 2014 since, more than once, your advice has been to keep the current insurance until it runs out Dec 31, 2013. When will the information on those plans become available? Looking at information on 2013 plans is moot since they are not what we will need to sign up for.

    • Hi Dr. J-D!!
      It’s for people like me. I’m losing coverage from my wife’s job as she retires so I’m looking for new medical coverage with AVMA/GHLIT so I can get off of COBRA.

    • The plans currently available on the exchange are for members who are looking for coverage for 2013 and not members who are looking for 2014 coverage. We have asked members to stay with the GHLIT until December 31st for several reasons. Members who change medical plans in 2013 will be subject to medical underwriting. This means, if you or one of your dependents have a pre-existing medical condition, the insurance company may exclude coverage for the pre-existing condition or they may deny coverage altogether. Starting in 2014, anyone with a pre-existing medical condition will be guaranteed medical insurance coverage and without extra surcharges. Many of the plans available today are not Qualified Health Plans (QHP) as defined under the Patient Protection Affordable Care Act. The 2014 plans offered on the AVMA GHLIT marketplace will all be QHPs. Also if you have currently met your medical/prescription medication deductible and decided to change plans in 2013, you would start your deductible over under a new insurance plan.

  10. I clicked on the link for “2014 plans” and it says the plans won’t be available until Oct. 1. Is there any way to get info on the 2014 plans before then?

    • Unfortunately, no. The 2014 plans are still being reviewed by the Department of Health and Human Services and will be released before October 1 in time for the public and private exchanges. We have contracted with several carriers and as soon as the plans are released to us, they will be placed on the AVMA GHLIT C.A.R.E. website. We are continuing to reach out and contact A rated carriers (and above) to provide a variety of plans from financially solid companies so we hope to have a more than one choice of an insurance carrier for each state.

  11. Like many, I had the AVMA GHLIT for many years- nearly 30 and around 8 years ago had a life-saving stem cell transplant for non-Hodgkin’s lymphoma. Very concerned about getting any kind of comparable coverage, given pre-exiting condition….

    • Starting 1/1/2014, anyone with any pre-existing medical condition(s) will be guaranteed insurance coverage, regardless of which insurance provider or company you choose. Therefore, we encourage you to keep your GHLIT medical coverage through 12/31/13.

  12. When I entered my information, a message returned that there are no options in my area. What does this mean? Will there be options available by fall 2013 or will I be on my own???

    • The plans currently available on the AVMA GHLIT CARE marketplace are for 2013. The 2014 plans are still being reviewed by the Department of Health and Human Services and will be released before October 1 in time for the public and private exchanges. The GHLIT will assist members in securing major medical insurance for 2014.

  13. Is this coverage actually available to ALL of the AVMA members? I am among those who have been *** for years by the failure of the health insurance to offer coverage to those of us in New England.

    • There are a limited number of companies who do sell health insurance in some of the New England states. The AVMA GHLIT C.A.R.E. Marketplace hopes to have a minimum of 2 insurance companies with plans available for each state for any AVMA member.

  14. Do you offer an individual plan for my family? So that I can go back to doing relief work. The promise of ” if your happy with your current plan you can keep it” was just another lie.

    • All of the plans on the AVMA GHLIT C.A.R.E. Marketplace are individual plans for veterinarians and their dependents. At this time we do not have any small group plans on the Marketplace. This may be an opportunity for the GHLIT in the future.

  15. Do you have health insurance supplements (Part B) to those of us using Medicare?
    Do you also have Part D, Pharmacy insurance?

    • We do have access to Medigap and Medicare Advantage plans for those veterinarians and their spouses turning 65 and those who are over 65.

      We can also help you select a Medicare Part D plan. For personalized assistance in selecting these plans, please call Ms. Marci Foster at 877-473-6017.

      For those members over 65, please contact Ms. Marci Foster at 877-473-6017 or Dr. Jody Johnson at 877-679-8854 for more information. The decisions on a Medicare Supplement (Medigap), Medicare Part D, and Medicare Advantage plans must take into consideration personal health information and cannot be a standardized answer.

  16. We do have access to Medigap and Medicare Advantage plans for those veterinarians and their spouses turning 65 and for those who are over 65.

    We can also help you select a Medicare Part D plan. For personalized assistance in selecting these plans, please contact Ms. Marci Foster at 877-473-6017 or Dr. Jody Johnson at 877-679-8854. The decisions on a Medicare Supplement (Medigap), Medicare Part D, or Medicare Advantage plans must take into consideration personal health information and cannot be a standardized answer.

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