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AFA Underwriting Update.
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  New IMQ criteria for Ohio  
  Leveraging IMQs for Aetna Funding Advantage (AFA)  
  IMQs are win-win for AFA. When IMQs are used for underwriting, groups have the opportunity to save an average of 10% on their monthly AFA costs and they're more likely to receive a surplus share upon renewal*. 

And now starting with 5/1 effective dates, groups in Ohio with 24 or fewer enrolling employees will need to submit Individual Medical Questionnaires (IMQs) to receive an AFA underwritten proposal. Keep in mind:
  • For groups with prior self-funded coverage, we will require IMQs for 14 or fewer enrolling employees.
  • We still require IMQs for groups with no prior coverage
  • We'll gladly accept IMQs on any size group

Plus, we're committed to making IMQs easier on you and your groups. We're working on some tools and processes that will lighten the IMQ load - so stay tuned for some exciting enhancements! We'll also be announcing additional incentive programs.
If you have any questions, please contact your Aetna Representative.
  *Versus a group underwritten through GRx methodology. Based on AFA book of business analysis.
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Aetna Funding Advantage (AFA) plans are self-funded, meaning the benefits coverage is offered by the employer. Aetna Life Insurance Company only provides administrative services and offers stop loss insurance coverage to the employer.
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