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What is the difference between group conversion and nongroup coverage and why are the monthly rates for group conversion lower?

April 26, 2017conversion coverage difference group lower nongroup rates

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What is the difference between group conversion and nongroup coverage and why are the monthly rates for group conversion lower?

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Individuals converting to IC Blue + from a Blues group plan are referred to as “group conversion.” Individuals can convert when group health care coverage through an employer expires or is terminated. Group conversion rates are subsidized by most of our group customers, so the rates are less than those for nongroup. Nongroup coverage is offered to those individuals who are not eligible for group coverage through their employer or their spouse’s employer and who are not enrolled in Medicare. If you have questions about whether you, or a family member, are eligible for the group conversion rate, please call a BCBSM customer service representative at 1-800-869- BLUE.