The ACA set MLR standards for health insurers. Why are you providing MLR rebates in the Texas individual market? Highmark Health Services is an independent licensee of the Blue Cross and Blue Shield Association, an association of independent Blue Cross and Blue Shield companies. For example, these activities may include: In general, these activities are aligned with criteria developed by professional medical associations, government agencies, accreditation bodies and other nationally recognized health care quality organizations. 74/Tuesday, April 17, 2018 … – GPO.gov. For purposes of the ACA’s MLR, what types of activities are considered to be quality improvement activities? Anthem Blue Cross Blue Shield (NV) Anthem Blue Cross Blue Shield is not providing an MLR rebate in 2020 for Nevada Small Groups. In general, MLR rebates may be issued in the form of a check or premium credit. 7. checks directly. These rebates … A requirement called the Medical Loss Ratio … 11; Download Fact Sheet. If medical loss ratio standards are not met, premium rebates would be issued to the applicable market segment(s). The rebates were issued in early to mid-August 2020. If the minimum MLR is not met within a market, insurers are required to pay a rebate to customers within MLR Annual Reporting Form Instructions – CMS. Blue Cross Blue Shield of Michigan Mutual Insurance Company (Detroit, Michigan) for the . This requirement is referred to as the “Medical Loss Ratio” standard or the “80/20 rule.” The 80/20 rule in the Affordable Care Act is intended to ensure that consumers get value for their health care dollars. Medical loss ratio forced carriers to devote more premium dollars to care, and record-high rebates were issued in 2019 and again in 2020 The Affordable Care Act's medical loss ratio has delivered nearly $5.3 billion in premium refunds to American consumers since 2012. Blue Cross and Blue Shield Association. All Rights Reserved. In . 7/31/2020. To which plans does the ACA’s MLR apply? Bundled payments result in a 20 percent average reduction in costs and improved quality of care. Louise Norris; Health insurance & health reform authority; November 9, 2020 ; MLR rebates: An overview. The ACA's MLR standard for individual and small group markets is 80%. Blue Cross and Blue Shield of North Carolina reported that for the first time it will rebate some customers an average of less than $75 each. Q. Support meaningful use of health information technology, or. The rest must be spent on medical care and programs that can help improve the quality of health care. What the Medical Loss Ratio Rule Means to You The Medical Loss Ratio rule is calculated on a State by State basis. By providing your phone number and zip code, you are authorizing a representative to contact you within 1–2 business days to answer your questions or discuss our current products and services. Medical loss ratio forced carriers to devote more premium dollars to care, and record-high rebates were issued in 2019 and again in 2020 . In general, the ACA’s MLR is the percentage of insurance premium dollars that a health insurer spends on health care services and reported as activities to improve health care quality for customers. In early August 2012, some U.S. employers with fully insured employee health benefit plans received a medical loss ratio (MLR) rebate. The group-size information is used to classify groups appropriately under the medical loss ratio (MLR) rules established by the federal Affordable Care Act (ACA). For purposes of calculating MLR, each state has an individual, small group and large group market. Small Group Carriers Anthem Blue Cross and Blue Shield have announced they will have a medical loss ratio (MLR) rebate this year for the 2019 coverage period. A. We will provide MLR rebates in the Texas individual market by Sept. 30, 2020. Our efforts have begun to pay off, but it's time for our relationship to evolve. Frequently asked questions for . Health insurance issuers must meet a minimum medical How will Blue Shield of California notify small group businesses that they are getting a rebate? What the Medical Loss Ratio Rule Means to You . A. ACA’s 2019 medical loss ratio rebates The Affordable Care Act's '80/20' rule delivered $1.37 billion in premium refunds to 8.9 million Americans in 2019, its eighth year. called the Medical Loss Ratio (MLR) and is calculated for an insurer’s overall business based on the market segments in each state, not at the group level. The Medical Loss Ratio (MLR) standard of the Affordable Care Act ensures that only 15% of the premiums an insurance provider collects can be spent on administrative costs. Blue Cross Blue Shield of Michigan announced Wednesday that it will soon issue more than $100 million in refunds to customers because it is paying out fewer medical … Simply select Get a Quote and you can view and compare our plans and pricing. 3. of . 83, No. The goal of this provision is to curb growth in health care premiums while ensuring that plans adequately cover healthcare expenses. If an insurer does not meet these MLR standards, it will pay rebates to its customers. We will provide MLR rebates in the Texas individual market by Sept. 30, 2020. October 26, 2016 . did not meet the Medical Loss Ratio standard. Rebates will be issued in August . Certain BlueChoice large and small groups in the District of Columbia, Virginia and Maryland will receive remediation rebates for MLR reporting years 2011 – 2016. In general, the ACA's MLR is the percentage of insurance premium dollars that a health insurer spends on health care services and expenses reported as activities to improve health care quality. Among other things, activities to improve quality of care are designed to improve health outcomes for members. You can save quotes for later or apply now. © Copyright document.write(new Date().getFullYear()) Health Care Service Corporation. Letters with checks begin mailing August 23, 2019 to eligible individuals. – As health insurers across North Carolina and the nation prepare to distribute medical loss ratio (MLR) rebates to customers, Blue Cross and Blue Shield of North Carolina (BCBSNC) is notifying customers that it exceeded the federal requirement for health care spending and is therefore not issuing rebates to customers. Q. Blue Cross Blue Shield of Massachusetts Surpasses Medical Loss Ratio Requirements for 2014 Introducing Telehealth—An Entirely New Way to See a Doctor Transforming the PPO Payment Model The Medical Loss Ratio (MLR) provision established by the Affordable Care Act (ACA) requires health insurers who fail to spend specified percentages of their premium income on medical and quality care improvement expenses to pay rebates to their customers. This version of Internet Explorer is out of date. The rebates are a result of the Medicare supplement or Medigap plans failing to meet the medical loss ratios (MLR). What should an employee/subscriber doif they have already cashed a rebate check? The Medical Loss Ratio (MLR) provision established by the Affordable Care Act (ACA) requires health insurers who fail to spend specified percentages of their premium income on medical and quality care improvement expenses to pay rebates to their customers. The ACA’s MLR standard for the large group market is 85%. 2. Health plans must submit their Medical Loss Ratio (MLR) report to U.S. Department of Health and Human Services by July 31 of each year. If you are an employer group whose health plan is with Anthem Blue Cross and Blue Shield, contact your Anthem . CHAPEL HILL, N.C. – As health insurers across North Carolina and the nation prepare to distribute medical loss ratio (MLR) rebates to customers, Blue Cross and Blue Shield of North Carolina (BCBSNC) is notifying customers that it exceeded the federal requirement for health care spending and is therefore not issuing rebates to customers. MLR is a basic financial measurement used in the Affordable Care Act (ACA) to encourage health plans to provide value to enrollees. The ACA’s MLR calculation is based on a 3-year rolling average for each state and market segment. A. What is Medical Loss Ratio (MLR)? The medical loss ratio – also known as the 80/20 rule – means that insurers have to disclose where they’re spending plan holder premium dollars. This new site may be offered by a vendor or an independent third party. A. Blue Cross and Blue Shield of North Carolina does not discriminate on the basis of race, color, national origin, sex, age or disability in its health programs and activities. Q. Q. The site may also contain non-Medicare related information. How will any MLR rebates be distributed? 2012, CareFirst . Small Group Carriers Anthem Blue Cross and Blue Shield have announced they will have a medical loss ratio (MLR) rebate this year for the 2019 coverage period. October 11, 2016 . Our mailing went to any employee who was enrolled at any point during 2011. A. The Works (Blue Cross Blue Shield) ... Update on medical loss ratio rebate notices July 27, 2012. Under Massachusetts law, if an insurer’s medical loss ratio is below the requirement, the company must issue rebates to the companies and people they insure. 4. Anthem Blue Cross announced that it will issue rebates to members enrolled in their Medicare Supplement plans in five different states. In general, the ACA's MLR is the percentage of insurance premium dollars that a health insurer spends on health care services and expenses reported as activities to improve health care quality. CareFirst BlueCross BlueShield and CareFirst BlueChoice, Inc. (CareFirst) will distribute all eligible types of Medical Loss Ratio (MLR) rebates in the current (payout) plan year as warranted by the premium ratio for the previous (rebate) plan year. BLUE CROSS®, BLUE SHIELD® and the Cross and Shield Symbols are regis tered service marks of the Blue Cross and Blue Shield Association, an association of independent Blue Cross and Blue Shield Plans. A: Blue Cross Blue Shield and many other providers are required to issue rebates because they did not meet a target for spending on customers’ medical claims in … 3. ACA MLR Rebates. 78.7%. Under the Affordable Care Act, the federal medical loss ratio requirements are 85 percent for large groups, which means that at least 85 percent of every premium dollar goes toward medical expenses and 80 percent for small groups and individuals.In Massachusetts, the requirement for small groups and individuals is even higher: Learn more about our non-discrimination policy and no-cost services available to you. The Medical Loss Ratio rule is calculated on a State by State basis. Blue Shield Launches AI Tool for Primary Doctor Matching | 11/19/2020 New primary doctor matching system is available to small group members in 2021 . In addition, some sites may require you to agree to their terms of use and privacy policy. Review plan options, get pricing and enroll today! Anthem Blue Cross and Blue Shield files report on medical loss ratio rebates June 29, 2012 . ... ACA MLR Rebates. Following an exit conference with the Company, the Company responded to each Finding and Recommendation. Update: Affordable Care Act (ACA) 2019 Medical Loss Ratio Rebates Blue Cross and Blue Shield of Texas (BCBSTX) is filing its Medical Loss Ratio (MLR) report today with the U.S. Department of Health and Human Services for the 2019 MLR reporting year. Rebates for subscribers who are part of small or large group accounts will receive notification that a rebate will be paid to their employer (with certain exceptions). One option is Adobe® Reader® which has a built-in reader. 14. Q. Blue Cross and Blue Shield of Texas (BCBSTX) will provide MLR rebates in the Texas individual market because we didn’t meet or exceed the ACA’s MLR standard in that market in 2018. Would you like to be contacted by one of our representatives? Blue Cross and Blue Shield of Kansas City (Blue KC) is issuing MLR rebates to approximately 9 percent of our members. 5; Having Accountable Care Organizations has meant fewer hospital admissions and ER services. Health plans must issue any rebates by September 30 of each year. Your clients with a Premera Blue Cross Blue Shield of Alaska individual health plan in 2018 may receive a Medical Loss Ratio rebate in the mail. Blue Cross and Blue Shield of Texas (BCBSTX) will provide MLR rebates in the Texas individual market because we didn’t meet or exceed the ACA’s MLR standard in that market for the 2019 MLR reporting year. Center for Consumer Information and Insurance Oversight . Blue Cross and Blue Shield of North Carolina (Blue Cross NC) and providers have already started teaming up. Affordable Care Act (ACA) 2019 Medical Loss Ratio (MLR) Rebates. PDF download: Federal Register/Vol. In your State, Blue KC did not meet the 80/20 standard. Finding the right health insurance is easy! Currently, Kaiser Permanente is saying they will not be issuing an MLR rebate this year. Medical Loss Ratio Rebates Paid in Current (Payout) Year for Previous (Rebate) Calendar Year Frequently Asked Questions. In 2012, Blue KC spent only 78.8% of a total of $128,526,708 in premium dollars on healthcare and activities to improve health care quality. Blue Cross and Blue Shield of Montana (BCBSMT) will provide MLR rebates in the Montana individual market because we didn’t meet or exceed the ACA’s MLR standard in that market for the 2019 MLR reporting year. Blue Cross Blue Shield Blue Care Network of Michigan. We will provide MLR rebates … In Maryland, CareFirst did not meet the Medical Loss Ratio standard. More. For more information, please read Key Questions About the ACA’s MLR. Blue Cross and Blue Shield of Oklahoma (BCBSOK) will provide MLR rebates in the Oklahoma individual and small group markets because we didn’t meet or exceed the ACA’s MLR standard in those markets for the 2019 MLR reporting year. For more information, please read Key Questions About the ACA’s MLR. That means we spent at least the required 80 to 85 percent of your premium dollars on health care. We apologize for any inconvenience. Your actual rebate amount will vary based on your employer’s contribution to your premium payment. Blue Cross and Blue Shield Association. Why are 2011 – 2016 MLR rebates being paid in May? For more details, visit: spent only . We will provide MLR rebates in the Texas individual market by Sept. 30, 2019. X. Independence Blue Cross (IBC) has prepared this document to answer Frequently Asked Questions (FAQ) about the Medical Loss Ratio provision of the Affordable Care Act – … Medical Loss Ratio Examination . Currently, Kaiser Permanente is saying they will not be issuing an MLR rebate this year. Anthem Blue Cross and Blue Shield files report on medical loss ratio rebates June 29, 2012 The Affordable Care Act (or health care reform law) requires health plans to meet a minimum medical loss ratio, which varies according to market. In 2017, Horizon Blue Cross Blue Shield of New Jersey is resuming its survey efforts to collect group-size information for 2016 from fully insured groups with between 35 and 75 enrollees. ACA MLR Rebates. Blue Cross and Blue Shield of New Mexico (BCBSNM) will provide MLR rebates in the New Mexico individual market because we didn’t meet or exceed the ACA's MLR standard in that market in 2018. Families USA, 2015. The ACA’s MLR standards apply to certain fully insured health insurance coverage in the group and individual markets. Virginia, CareFirst . We will provide MLR rebates in the Illinois individual market by Sept. 30, 2020. Blue Cross and Blue Shield of Oklahoma . The Affordable Care Act (or health care reform law) requires health plans to meet a minimum medical loss ratio, which varies according to market. We will provide MLR rebates in the Oklahoma individual and small group markets by Sept. 30, 2020. Letters with checks begin mailing August 23, 2019 to eligible individuals. If you did not receive a rebate, Blue Shield met or exceeded the medical loss ratio (MLR) requirements for your health plan. DEPARTMENT OF HEALTH & HUMAN SERVICES . ... Blue Cross NC spends 87 cents of every premium dollar on customers' health care, consistently exceeding the federal medical loss ratio (MLR). In … CareFirst will distribute two types of Medical Loss Ratio (MLR) rebates in 2018 for: a. Highmark Blue Cross Blue Shield of Delaware will rebate $21.5 million to customers. Affordable Care Act (ACA) 2019 Medical Loss Ratio (MLR) Rebates. Page . BCBSTX met or exceeded the ACA’s MLR standards in the Texas small group and large group markets in 2018. Blue Cross and Blue Shield of Texas (BCBSTX) will provide MLR rebates in the Texas individual market because we didn’t meet or exceed the ACA’s MLR standard in that market for the 2019 MLR reporting year. Health Care Reform: Medical Loss Ratio Rebates FAQ . 08/17/2020 | Press release | Archived content. If the actual MLR were to fall below this level (such as if actual claim costs turn out to be lower than expected), Wellmark would pay rebates to … The Patient Protection and Affordable Care Act (PPACA) survey allows us to accurately calculate medical loss ratios for the small and large employer group segments. 2. Other Adobe accessibility tools and information can be downloaded at http://access.adobe.com. Results . Health plan medical loss ratio met for large groups CHATTANOOGA, Tenn. —BlueCross BlueShield of Tennessee will mail more than $22 million in rebate checks by the end of September to individual policyholders and small employer groups who held medical coverage with the company during 2018. Your clients with a Premera Blue Cross Blue Shield of Alaska individual health plan in 2018 may receive a Medical Loss Ratio rebate in the mail. Commonwealth Fund, 2014. We will provide MLR rebates in the New Mexico individual market by Sept. 30, 2019. of a total of $ 20,000,000. in premium dollars on health care and activities to improve health care quality. All Rights Reserved. Gallup, 2015. The goal of this provision is to curb growth in health care premiums while ensuring that plans adequately cover healthcare expenses. If an insurer’s MLR doesn’t meet or exceed the ACA’s MLR standard in a certain market segment of a state, the insurer may provide MLR rebates in that market. A. At Blue Cross and Blue Shield of North Carolina (Blue Cross NC) we continue to ensure that we are giving our members the most value their plans have to offer. Blue Access for Members and quoting tools will be unavailable from 3am - 6am on Saturday, October 20. 200 Independence Avenue SW . Medical Loss Ratio (MLR) Annual Reporting Form submitted by BCBSM, Inc. (d/b/a Blue Cross Blue Shield of Minnesota) (the Company) for the 2013reporting year, including 2013, 2012 and 2011 data reported on that form. Wellmark Blue Cross Blue Shield of Iowa ... Medical Loss Ratio (MLR) meets the minimum requirement of 80% defined in the ACA. On July 24, we mailed the required notice to employees of customers who will be getting a rebate. Blue Cross and Blue Shield of North Carolina (Blue Cross NC) and providers have already started teaming up. Apr 17, 2018 … Payment Parameters for 2019. If they spend less than 80 percent (less than 85 percent for large group plans) on providing medical care, they must rebate the excess dollars back to … We will provide MLR rebates in the Texas individual market because we didn’t meet or exceed the ACA’s MLR standard in those markets in 2018. Given the inherently unpredictable nature of health care costs and utilization, it is not surprising that health plans may pay rebates to some customers in certain markets. Rebate checks being sent out in September will range from $3.51 to $487.08 per member. Blue Cross and Blue Shield of Montana (BCBSMT) will provide MLR rebates in the Montana individual market because we didn’t meet or exceed the ACA’s MLR standard in that market for the 2019 MLR reporting year. As a result, no MLR rebates will be provided in those markets for 2018. The Affordable Care Act's medical loss ratio has delivered nearly $5.3 billion in premium refunds to American consumers since 2012. ACA MLR Rebates. We'll be in touch with updates to help you better understand Health Care Reform and how it affects you. Q. ACA MLR Rebates. The Medical Loss Ratio (MLR) standard of the Affordable Care Act ensures that only 15% of the premiums an insurance provider collects can be spent on administrative costs. If we do not meet certain targets, we must issue rebates to individual members and small group employers. Maintenance Notification: Questions answered on insurance rebate Blue Cross Blue Shield issuing rebates Jul 23, 2012 Jul 23, 2012 Updated Mar 5 ... At issue are requirements known as medical loss ratios. View and compare our plans and pricing now by getting a quote. Health Care Reform: Medical Loss Ratio Rebates FAQ . The Affordable Care Act (or health care reform law) requires health plans to meet a minimum medical loss ratio, which varies according to market. 2018 Medical Loss Ratio (MLR) Rebate Q&A Q. Most PDF readers are a free download. When are rebates paid? Aug. 17, 2020 What Is the ACA's MLR? Blue Cross NC Names Dr. Centers for Medicare & Medicaid Services . Anthem continues to look for ways to ease the financial burden COVID-19 is creating for many of their employers and members. They don't apply to self-insured group health plans or to Medicare and Medicaid. The ACA’s MLR standard for individual and small group markets is 80%. When will any MLR rebates be provided? of . We will provide MLR rebates in the Texas individual market by Sept. 30, 2019. Medical Loss Ratio (MLR) Rebates Under the Patient Protection and Affordable Care Act (PPACA), BlueCross BlueShield of South Carolina is required to report our MLR to state and federal agencies annually. In 2014, CareFirst spent only 75.2% of a total of $979,774 in premium dollars on health care and activities to improve health care quality. medical loss ratio rebate checks. A. MLR rebates will be provided in the Texas individual market by Sept. 30, 2019. a. The Works (Blue Cross Blue Shield) ... Anthem Blue Cross files report on medical loss ratio rebates June 29, 2012 . In . A. Since it missed the Health Net and United Healthcare have not yet issued their statements on this topic. 1. Von Nguyen Chief Medical Officer. Blue Cross Blue Shield of Massachusetts will not be issuing rebates, as our loss ratio exceeded both state and federal medical loss ratio standards for all market segments subject to medical loss ratio regulations. Maintenance Notification: Blue Shield of California will send a notification letter and rebate check by Sept. 30, 2019. Medical Loss Ratio Rebates for 2019 The Affordable Care Act requires Blue Shield of California to refund part of the premiums it receives if it does not spend at least 80% of the premiums on healthcare services, such as doctors and hospital bills, and activities to improve healthcare quality, such as efforts to improve patient safety. PDF File is in portable document format (PDF). A Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield Association The Affordable Care Act (or health care reform law) requires health plans to meet a minimum medical loss ratio, which varies according to market. A. 1. Those receiving the rebates will include people who have policies through Delaware’s Affordable Care Act marketplace, individuals who buy policies directly from Highmark and small … We apologize for any inconvenience. Blue Shield of California (CA) Blue Shield of California announced a 2019 rebate, which was distributed on 9/30/2020. Blue Cross and Blue Shield of Illinois (BCBSIL) will provide MLR rebates in the Illinois individual market because we didn’t meet or exceed the ACA’s MLR standard in that market for the 2019 MLR reporting year. MLR Rebates. So this year we will be distributing Medical Loss Ratio (MLR) rebates to all eligible subscribers for the 2019 plan year. Why are some employer group plan and contract holders not getting a rebate? search. As noted above, the PPACA law requires Blue Cross Blue Shield of Massachusetts to calculate medical loss ratio standards for a given calendar year by market segment (individual, small and large group) and provide premium rebates for market segments that do not meet the minimum medical loss ratio standards. Blue Cross Blue Shield of Massachusetts will not be issuing rebates, as our loss ratio exceeded both state and federal medical loss ratio standards for all market segments subject to medical loss ratio regulations. Independence Blue Cross (IBC) has prepared this document to answer Frequently Asked Questions (FAQ) about the Medical Loss Ratio provision of the Affordable Care Act – commonly known as health care reform. ACA MLR Rebates. AGENCY: Centers … apply the definition of essential health benefits ….. MLR report to HHS, and provide rebates. The ACA set MLR standards for health insurers. Q. Medical Loss Ratio (MLR) Rebate Mailings Underway Background Under the Affordable Care Act (ACA), all health insurers must spend a minimum percentage of the premiums they collect on health care services and quality improvement activities for their members. Blue Access for Members and quoting tools will be unavailable from 2am - 5am Saturday, October 20. The rest must be spent on medical care and programs that can help improve the quality of health care. A. A Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield Association.© Copyright 2014 Health Care Service Corporation. Highmark Blue Cross Blue Shield Delaware will send $21.5 million in rebates this month to customers of its 2019 plan. ACA MLR Rebates. Blue Cross and Blue Shield of Texas (BCBSTX) will provide MLR rebates in the Texas individual market because we didn’t meet or exceed the ACA’s MLR standard in that market in 2018. If an insurer's MLR doesn't meet or exceed the ACA’s MLR standard in a certain market segment of a state, the insurer may provide MLR rebates in that market. Blue Cross Blue Shield of Michigan and Blue Care Network will return more than $100 million to many fully insured customers this year due to the … To view this file, you may need to install a PDF reader program. Anthem Blue Cross and Blue Shield files report on medical loss ratio rebates June 29, 2012. Washington, DC 20201 OVERSIGHT GROUP. Aug. 17, 2020 What Is the ACA's MLR? What the Medical Loss Ratio Rule Means to You The Medical Loss Ratio rule is calculated on a State by State basis. MLR Rebates. The ACA's MLR standard for the large group market is 85%. Health Net and United Healthcare have not yet issued their statements on this topic. We are proud to have surpassed the requirements by ensuring that more than ninety cents of every dollar goes toward paying medical expenses for our members. You are part of this 9 percent and, as an eligible member, Blue KC is issuing a rebate for you for 2012. Q. 2013 MLR Reporting Year . For a better experience, please update or consider using a different browser. MLR Talking Points and Frequently Asked Questions - updated September 21, 2016 You can learn more about the 80/20 rule and other provisions of the health reform law. Who does Florida Blue send the rebate to? What is the ACA’s Medical Loss Ratio (MLR)? External link You are leaving this website/app (“site”). We will provide MLR rebates in the Montana individual market by Sept. 30, 2020. Medical Loss Ratio Rebate Calculation 2019. Stay informed about the changes to the health care system and how they could affect you. Anthem Blue Cross Releases MLR Rebates Early This Year. Dollars to care, and record-high rebates were issued in early to mid-August 2020 rebates in Texas. 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And United Healthcare have not yet issued their statements on this topic touch with updates to help you understand! You better understand health care and programs that can help improve the quality health. A Notification letter and rebate check mid-August 2020 in September will range from $ 3.51 to $ per. Our non-discrimination policy and no-cost services available to small group and large group is! Eligible individuals New Primary Doctor Matching system is available to you this website/app ( “ site ”.. Frequently Asked Questions - updated September 21, 2016 ACA MLR rebates early this year we will MLR! Mlr calculation is based on a State by State basis State and market segment Act ACA. Measurement used in the Texas individual market by Sept. 30, 2019 in September will range from $ 3.51 $... July 24, we must issue any rebates by September 30 of each year, KC! 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