The BCBSM and BCN underwriting policies require a 45-day lead time for benefit changes, and a 30-day lead time for maintenance changes.
Group wide changes vary greatly, and can be processed using a number of different methods, depending on the changes being made. Action Benefits recognizes that many changes can be executed within a shorter timeframe than required by the underwriting policies. However, adequate lead time is necessary to ensure that changes are completed by the desired effective date, so members can receive the appropriate benefits when seeking services. Appropriate lead time also helps to allow adequate time for follow-up requests for missing information or required documentation.