Rate Adjustments

New Business Guidelines for Medicare Supplement Rate Adjustments (Open Block)
on Medicare Supplement plans underwritten by:

  • Aetna Health and Life Insurance Company (AHLIC)
  • American Continental Insurance Company (ACI)
  • Continental Life Insurance Company of Brentwood, Tennessee (CLI)

The date the applicant signs an application (application signature date) AND the policy effective date determine which rates to apply to your new business. Instructions on how to apply a rate change to NEW applications are provided in the table below. 

All currently marketed Aetna Medicare Supplement plans offer a 12-month rate guarantee. For existing policyholders affected by a rate adjustment, the change will become effective on the policyholder's next policy anniversary date that occurs on or after the rate change effective date. Rate change notices are sent to existing policyholders in accordance to the state's policyholder notification period.

The underscored (blue) text indicates a hyperlink. Hyperlinks allow you to view (download and/or print) the revised agent rate guide (when available) and the revised Outline of Coverage (OOC).

Agent rate guides, when available, are NOT part of the sales kit. Rate guides can be ordered standalone. One rate guide per agent please.
 

Please note that the Outline of Coverage on the E-App tool will not have the revised rates until approximately 30 days before the rate change goes into effect. You can access the revised Outline of Coverage in the table below.

Last updated: 7/29/16

 

 State

CO

Rate Chg
Effective
Date

Rate Guide

Policyholder
notification

When to apply the NEW rates to your New Business

 
 
Comments:Percentage rate adjustment
for plans:
As we transition to the new rates, continue to use the old (existing) rates UNLESS the application meets the condition listed below.

If the application signature
date is on or after:

And the policy effective
date is on or after:

Then, use the NEW rates
as provided in the OOC

ABFHF*GN

AL

ACI

06/01/17

ACIMS01148AL

30 Days

5/1/2017

6/1/2017 

ACIMS01063AL


3%3%4%3%7%
3%

AR

ACI

05/01/16

ACIMS01182AR

30 Days

4/1/2016

 5/1/2016 

ACIMS01048AR 050116

 

 15%15%  15%  15%  15%  15% 

AZ

ACI

04/01/16

ACIMS01196AZ

60 Days

3/1/2016

4/1/2016

ACIMS01067AZ 040116

10.2%10.2%13.2%13.2%6.6%4.6%

CA

CLI

09/01/16

 CLIMS01903CA 

 60 Days

8/1/2016*

9/1/2016

CLIMS01100CA 090116

5% rate decrease on
Plan HF 

7%
7%8%-5%7%7%

CO

AHLIC

05/01/16

 AHLMS01904CO

 30 Days

4/1/2016

 5/1/2016

AHLMS02960CO 050116

 Above age 65
9.5%9.5%12.5%12.5%5%3%
Below age 6530%30%30%30%28.7%26.3%

DE

AHLIC

07/01/16

AHLMS02720DE 

30 Days

6/1/2016*

7/1/2016

AHLMS02543DE 070116

  10% rate decrease on Plan G

---------10%--
GAAHLIC

02/01/16

AHLMS02830GA

60 Days

1/1/20162/1/2016AHLMS02761GA 020116
 5%5%5%5%5%5%
IAAHLIC04/01/16AHLMS02980IA

30 Days

3/1/20164/1/2016AHLMS02762IA 040116
8%8%8%8%8%8%

ID

CLI

10/01/15

CLIMS01214ID

30 Days

9/1/2015

10/1/2015

 CLIMS01087ID

 

8%8%8%8%----
ILAHLIC04/01/16AHLMS02922IL

30 Days

3/1/2016 4/1/2016AHLMS02763IL 040116
6%6%6%6%6%6%

IN

CLI

09/01/16

CLIMS02532IN

30 Days

8/1/2016

9/1/2016

CLIMS02244IN 090116

--7%6.5%------
KSAHLIC09/01/16AHLMS02578KS 

8/1/2016*

9/1/2016

AHLMS02544KS 090116
8.5% rate decrease
on Plan N
7%7%7%7%4%-8.5%
KYAHLIC

03/01/16

 AHLMS03067KY

30 Days

 2/1/2016*3/1/2016AHLMS02545KY10% rate decrease on Plans A, B, G-10%-10%5%5%-10%5%

LA

ACI

03/01/16

ACIMS01757LA

45 Days

2/1/20163/1/2016

ACIMS01759LA 030116

Above age 65

 9.5% 9.5%
11%
9.5%
5% 3%
Under age 6520%20%20%20%20%20%

MD

CLI

06/01/16

CLIMS01580MD

45 Days

5/1/2016

6/1/2016

CLIMS01086MD 060116

 

8%

8%9%8%5%3%

MI

ACI

03/01/16

ACIMS01155MI

30 Days

 2/1/2016

3/1/2016

ACIMS01068MI 030116

 3%3%6%6% 5% 3%

MN

CLI

08/01/16

 CLIMS01212MN

 30 Days

7/1/20168/1/2016

CLIMS01070MN 080116

 37% rate decrease on Extended Basic Plan; 8% rate increase on all other plans/riders

------------

MO

ACI

07/01/16

 ACIMS01154MO

 30 Days

6/1/2016

7/1/2016

ACIMS01043MO 070116

 

4%4%5%----4%

MS

ACI

08/01/16

ACIMS01153MS

 60 Days

7/1/20168/1/2016

ACIMS01045MS 080116

Above age 65
4.9%4.9%11%4.9%8%8%
Under age 65----25%--25%25%

MT

AHLIC

02/01/16

AHLMS02832MT

45 Days

1/1/2016

2/1/2016

AHLMS02546MT 020116

10% rate decrease
on Plan G
 

7% 7%
7%
7%
-10% --

NC

AHLIC

10/01/16

AHLMS02697NC

45 Days

9/1/2016

10/1/2016

AHLMS02547NC 100116

 7%
7%7%7% -- 3%

ND

ACI

06/01/17

ACIMS01190ND

30 Days

5/1/2017

6/1/2017

ACIMS01054ND

  

7.5% 7.5% 8.5% -- 5.4% --
NE

AHLIC

04/01/16AHLMS02981NE

30 Days

 3/1/20164/1/2016 AHLMS02764NE 040116
8%8%8%8%7%--

NH

CLI

01/01/16

CLIMS01870NH

 30 Days

12/1/2015

1/1/2016

CLIMS01098NH 010116

 3%3%3%3%3%3%

NJ

AHLIC

02/01/16

AHLMS02831NJ

 30 Days

1/1/2016

2/1/2016

AHLMS02765NJ 020116 

 5%
5%5%

5%

5%
5%

NM

ACI

10/01/16

ACIMS01189NM

 60 Days

9/1/2016

10/1/2016

ACIMS01056NM 100116

7.5% 7.5%7.5% 7.5% 6% 3%

NV

ACI

06/01/16

ACIMS01831NV

 60 Days

5/1/2016 

6/1/2016

ACIMS01826NV 060116

 

8.5% 8.5% 9.5% 8.5% 6% 3%

OH

AHLIC

03/01/16

AHLMS02263OH

 30 Days

2/1/2016

 3/1/2016

AHLMS02961OH 030116


3%3%6%6%6%3%

OK

AHLIC

03/01/16

AHLMS02464OK

30 Days

2/1/2016

3/1/2016

AHLMS02962OK 030116

 8.5%
8.5%8.5%8.5%8%3%

OR

CLI

06/01/17

CLIMS01786OR

30 Days

5/1/2017

6/1/2017

CLIMS01097OR

 

12%  12%  13%  12%  12%  12% 

PA

AHLIC

05/01/16

AHLMS01891PA

30 Days

4/1/2016 

5/1/2016 

AHLMS02963PA 050116


 3%3% 3%
3%
6%
3%

RI

CLI

03/01/16

CLIMS01208RI

30 Days

2/1/2016

3/1/2016

CLIMS01084RI


6%6%6%6%5%3%

SC

AHLIC

03/01/16

AHLMS01818SC

 30 Days

2/1/2016

3/1/2016

  AHLMS02964SC 030116

 

9.5%9.5%10.5%9.5%6%3%

SD

ACI

06/01/17

ACIMS01152SD

30 Days

5/1/2017

6/1/2017 

ACIMS01038SD

  

4.5%4.5%
5.5%
--6% 3%

TN

ACI

06/01/16

ACIMS01192TN

30 Days

5/1/2016

6/1/2016

ACIMS01052TN 060116

Rate increases vary by age 

9.5%9.5%11%9.5%7% 3%

TX

CLI

09/01/16

CLIMS01632TX

30 Days

8/1/2016

9/1/2016

CLIMS01625TX 090116

  

7%7%8%--6%3%

UT

ACI

09/01/16

ACIMS01829UT

 30 Days

8/1/2016

9/1/2016

ACIMS01096UT 090116

7.5%7.5%8.5%7.5%6%3%

VA

ACI

08/01/16

ACIMS01195VA

30 Days

7/1/2016

8/1/2016

ACIMS01053VA 080116

  

9.5%9.5%11%6%8%8%

VT

CLI

07/01/13

  CLIMS01879VT

 30 Days

 

 

CLIMS01091VT

 

      

WI

ACI

04/01/16

 ACIMS02235WI

  30 Days

 3/1/2016

4/1/2016

ACIMS02126WI 040116

Part B deductible rider:
13% increase

5%5%5%5%5%5%

WV

AHLIC

02/01/16

AHLMS02827WV

30 Days

1/1/2016

2/1/2016

AHLMS02766WV 020116 

 

4%4%4%4%4% 4%

WY

ACI

03/01/16

ACIMS01191WY

30 Days

2/1/20163/1/2016

ACIMS01057WY 030116


7%7%7%7%6%3%

*a cut-off date (based on the application signature date) does not apply to rate decreases.  The lower rates will be applied to any pending or issued policy that carries an effective date on or after the effective date of the rate change.