BEDDING — Inside the Home

Blue Island

RALPH LAUREN Shelter Island Blue KING SHEET SET NEW 1ST QUALITY NIP
RALPH LAUREN Shelter Island Blue KING SHEET SET NEW 1ST QUALITY NIP
$127.99
Time Remaining: 6d 10h 35m
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Ralph Lauren Shelter Island Blue Floral Queen Deep Fitted Sheet
Ralph Lauren Shelter Island Blue Floral Queen Deep Fitted Sheet
$9.99 (1 Bid)
Time Remaining: 2d 16h 42m

RALPH LAUREN Shelter Island Blue FULL SHEET SET NEW 1ST QUALITY NIP
RALPH LAUREN Shelter Island Blue FULL SHEET SET NEW 1ST QUALITY NIP
$95.99
Time Remaining: 6d 10h 47m
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Island Dream Tropical Boat Palm Tree Blue Summer Beach Twin Full Comforter Set
Island Dream Tropical Boat Palm Tree Blue Summer Beach Twin Full Comforter Set
$95.99
Time Remaining: 27d 22h 29m
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SURF BLUE WHITE OCEAN ISLAND HAWAII TWIN BED IN A BAG TEEN BOYS BEDDING NEW
SURF BLUE WHITE OCEAN ISLAND HAWAII TWIN BED IN A BAG TEEN BOYS BEDDING NEW
$95.97
Time Remaining: 29d 9h 46m
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Royal Heritage Home SEA GLASS Blue Green ISLAND BEACH OCEAN QUEEN DUVET SET 3PC
Royal Heritage Home SEA GLASS Blue Green ISLAND BEACH OCEAN QUEEN DUVET SET 3PC
$89.99
Time Remaining: 14d 17h 4m
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RALPH LAUREN Shelter Island Blue QUEEN SHEET SET NEW 1ST QUALITY NIP
RALPH LAUREN Shelter Island Blue QUEEN SHEET SET NEW 1ST QUALITY NIP
$111.99
Time Remaining: 6d 10h 35m
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New Pottery Barn Kid BLUE Surf KEY WEST Twin QUILT +SHAM tropical print island
New Pottery Barn Kid BLUE Surf KEY WEST Twin QUILT +SHAM tropical print island
$159.95
Time Remaining: 1d 6h 22m

Company Store Cotton Percale 300TC Flat Sheet Island Blue King NIP 5269S E3Z6
Company Store Cotton Percale 300TC Flat Sheet Island Blue King NIP 5269S E3Z6
$12.99
Time Remaining: 3d 6h 26m
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RALPH LAUREN Shelter Island Blue STANDARD PILLOWCASES NEW 1ST QUALITY
RALPH LAUREN Shelter Island Blue STANDARD PILLOWCASES NEW 1ST QUALITY
$35.99
Time Remaining: 3d 14h 51m
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Ralph Lauren SHELTER ISLAND BLUE 2 pc Standard Pillowcases
Ralph Lauren SHELTER ISLAND BLUE 2 pc Standard Pillowcases
$36.75
Time Remaining: 14d 17h 14m
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RALPH LAUREN Shelter Island Blue KING PILLOWCASES NEW 1ST QUALITY
RALPH LAUREN Shelter Island Blue KING PILLOWCASES NEW 1ST QUALITY
$39.99
Time Remaining: 3d 14h 45m
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West Elm Island Ikat King Size Duvet + 4 Euro Sham Covers Anthropologie NIP NWT
West Elm Island Ikat King Size Duvet + 4 Euro Sham Covers Anthropologie NIP NWT
$199.99
Time Remaining: 27d 10h 28m
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SURF BLUE WHITE OCEAN ISLAND HAWAII FULL BED IN A BAG TEEN BOYS BEDDING NEW
SURF BLUE WHITE OCEAN ISLAND HAWAII FULL BED IN A BAG TEEN BOYS BEDDING NEW
$99.97
Time Remaining: 29d 9h 39m
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pottery barn beach stripe cal king cottage bedskirt blue white tropical island
pottery barn beach stripe cal king cottage bedskirt blue white tropical island
$14.99
Time Remaining: 12h 4m
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New Ralph Lauren Catalina Island Blue Stripe Queen Duvet Cover NWT
New Ralph Lauren Catalina Island Blue Stripe Queen Duvet Cover NWT
$129.00
Time Remaining: 22d 13h 47m
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ISLAND LIVING FISH BLUE GREEN Queen Sheet Set
ISLAND LIVING FISH BLUE GREEN Queen Sheet Set
$59.99
Time Remaining: 20d 13h 16m
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Pottery Barn Kids Santa Barbara sleeping bag blue boys island surf club hawaiian
Pottery Barn Kids Santa Barbara sleeping bag blue boys island surf club hawaiian
$39.00
Time Remaining: 23d 5h 39m
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Ralph Lauren shelter island 12x16 custom toss pillow shabby pink roses on blue
Ralph Lauren shelter island 12x16 custom toss pillow shabby pink roses on blue
$25.00
Time Remaining: 29d 5h 7m
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1Q Ralph Lauren Shelter Island 4pc KING sheet set RARE blue chic shabby roses
1Q Ralph Lauren Shelter Island 4pc KING sheet set RARE blue chic shabby roses
$159.00
Time Remaining: 23d 2h 22m
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Shabby Ralph Lauren Shelter Island Blue Baby Throw Blanket  Sham So chic
Shabby Ralph Lauren Shelter Island Blue Baby Throw Blanket Sham So chic
$31.49
Time Remaining: 28d 4h 42m
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Pottery Barn kids Island surf woody bumper  blue cribskirt + denim crib sheet
Pottery Barn kids Island surf woody bumper blue cribskirt + denim crib sheet
$39.99
Time Remaining: 1d 2h 44m

1st NEW Ralph Lauren Shelter Island shabby pink roses blue standard pillowcases
1st NEW Ralph Lauren Shelter Island shabby pink roses blue standard pillowcases
$39.99
Time Remaining: 28d 2h 36m
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New Pottery Barn Kids BLUE SURF Twin DUVET + SHAM Santa Barbara island beach
New Pottery Barn Kids BLUE SURF Twin DUVET + SHAM Santa Barbara island beach
$84.50
Time Remaining: 5d 13h 39m
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RALPH LAUREN CATALINA ISLAND CREAM BLUE TWIN QUILT
RALPH LAUREN CATALINA ISLAND CREAM BLUE TWIN QUILT
$59.99
Time Remaining: 6d 16h 51m
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Ralph Lauren Catalina Island Blue Floral Shams Two
Ralph Lauren Catalina Island Blue Floral Shams Two
$54.99
Time Remaining: 5d 14h 54m
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New Ralph Lauren Twin sheet set in Island Blue Floral
New Ralph Lauren Twin sheet set in Island Blue Floral
$49.99
Time Remaining: 3d 17h 2m
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NEW Ralph Lauren CATALINA ISLAND Blue On White FLORAL Queen FLAT SHEET
NEW Ralph Lauren CATALINA ISLAND Blue On White FLORAL Queen FLAT SHEET
$32.50
Time Remaining: 1d 11h 30m
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NWT PARADISE THROW PILLOW Hawaiian Island Beach Sunset Blue Orange Ylw Hibiscus
NWT PARADISE THROW PILLOW Hawaiian Island Beach Sunset Blue Orange Ylw Hibiscus
$15.99
Time Remaining: 15d 16h 27m
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PoTTery BaRn KiDs Blue SANTA BARBARA SHAM for Duvet Island Bed Bedroom Pillow
PoTTery BaRn KiDs Blue SANTA BARBARA SHAM for Duvet Island Bed Bedroom Pillow
$19.99
Time Remaining: 14d 4h 44m
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Ralph Lauren SHELTER ISLAND BLUE Full Fitted Sheet
Ralph Lauren SHELTER ISLAND BLUE Full Fitted Sheet
$39.95
Time Remaining: 25d 30m
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NIP Ralph Lauren Catalina Island Blue Stripe Shams Two NIP
NIP Ralph Lauren Catalina Island Blue Stripe Shams Two NIP
$64.99
Time Remaining: 5d 14h 54m
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NECKER ISLAND BLUE BROWN RED TROPICAL KING COMFORTER SET
NECKER ISLAND BLUE BROWN RED TROPICAL KING COMFORTER SET
$169.99
Time Remaining: 20d 13h 16m
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New Pottery Barn Kids BLUE Island SURF Twin SHEETS Aloha
New Pottery Barn Kids BLUE Island SURF Twin SHEETS Aloha
$119.50
Time Remaining: 7d 9h 17m
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NEW Ralph Lauren Polo ISLAND RETREAT Stripe Indigo White Queen Duvet Cover 375
NEW Ralph Lauren Polo ISLAND RETREAT Stripe Indigo White Queen Duvet Cover 375
$129.99
Time Remaining: 1d 18h 4m

NEW POTTERY BARN KIDS 7PC BLUE ISLAND SURF F Q QUILT  SHAMS  FULL SHEET SET
NEW POTTERY BARN KIDS 7PC BLUE ISLAND SURF F Q QUILT SHAMS FULL SHEET SET
$279.99
Time Remaining: 9d 5h 55m
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NECKER ISLAND BLUE BROWN RED TROPICAL QUEEN COMFORTER SET
NECKER ISLAND BLUE BROWN RED TROPICAL QUEEN COMFORTER SET
$149.99
Time Remaining: 20d 13h 16m
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Ralph Lauren Catalina Island Chambray Blue Stripe Bedskirt 1st Quality Rare
Ralph Lauren Catalina Island Chambray Blue Stripe Bedskirt 1st Quality Rare
$29.00
Time Remaining: 11d 14h 37m
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1Q Ralph Lauren Shelter Island 4pc queen sheet set RARE blue chic shabby roses
1Q Ralph Lauren Shelter Island 4pc queen sheet set RARE blue chic shabby roses
$149.00
Time Remaining: 23d 2h 12m
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1st NEW Ralph Lauren Shelter Island shabby pink roses blue KING pillowcases
1st NEW Ralph Lauren Shelter Island shabby pink roses blue KING pillowcases
$41.00
Time Remaining: 9d 6h 26m
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New 2 RALPH LAUREN SHELTER ISLAND Blue Red Floral Kng Pillowcases
New 2 RALPH LAUREN SHELTER ISLAND Blue Red Floral Kng Pillowcases
$34.95
Time Remaining: 17d 17h 17m
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NEW Ralph Lauren Polo CATALINA ISLAND Pinstripe Blue Cream King Pillowcases
NEW Ralph Lauren Polo CATALINA ISLAND Pinstripe Blue Cream King Pillowcases
$34.99
Time Remaining: 1d 18h 4m

NWT Pottery Barn Kids Island full sheet sheet set surf patchwork beach blue
NWT Pottery Barn Kids Island full sheet sheet set surf patchwork beach blue
$89.95
Time Remaining: 10d 9h 30m
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New Ralph Lauren Catalina Island King Cream Blue Quilt NWT
New Ralph Lauren Catalina Island King Cream Blue Quilt NWT
$139.00
Time Remaining: 24d 10h 22m
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By Pawleys Island PA 7002 Parachute Camping Hammock Blue and Yellow Stripe
By Pawleys Island PA 7002 Parachute Camping Hammock Blue and Yellow Stripe
$38.24
Time Remaining: 24d 23h 58m
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Ralph Lauren CATALINA ISLAND Blue Cream Quilt Blanket FULL QUEEN
Ralph Lauren CATALINA ISLAND Blue Cream Quilt Blanket FULL QUEEN
$129.99
Time Remaining: 21d 8h 36m
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JCPenney home PARADISE ISLAND BEDSPREAD Assorted Colors  Sizes Retail 16000
JCPenney home PARADISE ISLAND BEDSPREAD Assorted Colors Sizes Retail 16000
$89.88
Time Remaining: 28d 14h 16m
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Pottery Barn kids Island surf baby blanket very rare EUC
Pottery Barn kids Island surf baby blanket very rare EUC
$29.99
Time Remaining: 1d 2h 35m
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S 3 Ralph Lauren Catalina Island Throw Pillows Quilt Embroid  Denim NWT
S 3 Ralph Lauren Catalina Island Throw Pillows Quilt Embroid Denim NWT
$180.00
Time Remaining: 6d 8h 37m
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Nautica SHELTER ISLAND BLUE 3P Twin Duvet Cover
Nautica SHELTER ISLAND BLUE 3P Twin Duvet Cover
$84.95
Time Remaining: 16d 12h 8m
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New Pottery Barn Kids BLUE SURF Twin QUILT + SHAM Santa Barbara island
New Pottery Barn Kids BLUE SURF Twin QUILT + SHAM Santa Barbara island
$189.00
Time Remaining: 12d 4h 39m
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CARIBBEAN JOE NECKER ISLAND BLUE ORANGE FLORAL Queen Comforter Set
CARIBBEAN JOE NECKER ISLAND BLUE ORANGE FLORAL Queen Comforter Set
$149.99
Time Remaining: 14d 17h 8m
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Ralph Lauren SHELTER ISLAND 2 STD PILLOWCASES blue pink floral new
Ralph Lauren SHELTER ISLAND 2 STD PILLOWCASES blue pink floral new
$37.95
Time Remaining: 25d 7h 32m
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SEA SHELLS ISLAND BEACH BLUE TROPICAL COTTON KING QUILT SET NEW COTTAGE BEDDING
SEA SHELLS ISLAND BEACH BLUE TROPICAL COTTON KING QUILT SET NEW COTTAGE BEDDING
$149.97
Time Remaining: 17d 7h 35m
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NIP Tommy Hilfiger Bedding STANDARD 2 Pillow Cases COTTON Amelia Island FLORAL
NIP Tommy Hilfiger Bedding STANDARD 2 Pillow Cases COTTON Amelia Island FLORAL
$12.99
Time Remaining: 1d 7h 2m
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Pottery Barn Blue Green Stripe TIE DYE Full Queen DUVET Surf Island Aloha
Pottery Barn Blue Green Stripe TIE DYE Full Queen DUVET Surf Island Aloha
$169.95
Time Remaining: 11d 12h 42m
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Pottery Barn Kids Twin Santa Barbara Duvet Blue NIP Island Aloha Tropical
Pottery Barn Kids Twin Santa Barbara Duvet Blue NIP Island Aloha Tropical
$75.00
Time Remaining: 1d 16h 48m
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TOMMY HILFIGER Tucker Island Blue Paisley 3pc DUVET SET King New in Package
TOMMY HILFIGER Tucker Island Blue Paisley 3pc DUVET SET King New in Package
$199.99
Time Remaining: 17h 31m
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New Ralph Lauren Catalina Island King Duvet Cover NWT Free USA Ship
New Ralph Lauren Catalina Island King Duvet Cover NWT Free USA Ship
$129.95
Time Remaining: 25d 12h 56m
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Pottery Barn Kid Santa Barbara Island Surf Aloha Hawaii Twin Quilt Set BLUE BOYS
Pottery Barn Kid Santa Barbara Island Surf Aloha Hawaii Twin Quilt Set BLUE BOYS
$299.99
Time Remaining: 4d 5h 24m
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PEM America Island Leaf Aqua Beige QUEEN Bed in a Bag Comforter Set NEW 240
PEM America Island Leaf Aqua Beige QUEEN Bed in a Bag Comforter Set NEW 240
$119.99
Time Remaining: 7d 8h 40m
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NEW Ralph Lauren Polo ISLAND RETREAT Stripe Indigo White King Duvet Cover 440
NEW Ralph Lauren Polo ISLAND RETREAT Stripe Indigo White King Duvet Cover 440
$149.99
Time Remaining: 1d 18h 4m

Rare 2003 New Pottery Barn Island Surf Aloha Blue Hawaiian Woody TWIN SHEET SET
Rare 2003 New Pottery Barn Island Surf Aloha Blue Hawaiian Woody TWIN SHEET SET
$149.99
Time Remaining: 6d 20h 47m
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TWO 2 TOMMY BAHAMA BLUE  WHITE INDIGO ISLAND STANDARD PILLOW SHAM NEW
TWO 2 TOMMY BAHAMA BLUE WHITE INDIGO ISLAND STANDARD PILLOW SHAM NEW
$24.99
Time Remaining: 6d 10h 15m
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SEASHELLS ISLAND TROPICAL EXOTIC SAND REVERSIBLE BLUE QUEEN COMFORTER SET
SEASHELLS ISLAND TROPICAL EXOTIC SAND REVERSIBLE BLUE QUEEN COMFORTER SET
$149.97
Time Remaining: 17d 6h 19m
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SURF BOARD OCEAN ISLAND HAWAII BOYS TEEN FUL WHITE BLUE QUILT SET NEW BEDDING
SURF BOARD OCEAN ISLAND HAWAII BOYS TEEN FUL WHITE BLUE QUILT SET NEW BEDDING
$123.47
Time Remaining: 14d 6h 55m
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DIANE VON FURSTENBERG ISLAND CLOVER BLUE WHITE Queen Sheet Set
DIANE VON FURSTENBERG ISLAND CLOVER BLUE WHITE Queen Sheet Set
$199.99
Time Remaining: 4d 5h 33m
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NIP Tommy Hilfiger Bedding 250 ct FULL FITTED Sheet COTTON Amelia Island FLORAL
NIP Tommy Hilfiger Bedding 250 ct FULL FITTED Sheet COTTON Amelia Island FLORAL
$15.99
Time Remaining: 1d 17h 8m
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2 FOR TWINS TOMMY HILFIGER SANIBEL ISLAND BLUE PINK STRIPE TWIN SHEET SET
2 FOR TWINS TOMMY HILFIGER SANIBEL ISLAND BLUE PINK STRIPE TWIN SHEET SET
$29.95
Time Remaining: 12d 7h 51m
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2 VILLA Blue White Island Fantasy STANDARD Pillowcases
2 VILLA Blue White Island Fantasy STANDARD Pillowcases
$28.04
Time Remaining: 18h 20m
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New Ralph Lauren Catalina Island King Cream Blue Quilt NWT
New Ralph Lauren Catalina Island King Cream Blue Quilt NWT
$139.00
Time Remaining: 22d 13h 47m
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SEASHELLS ISLAND TROPICAL EXOTIC SAND COLORED REVERSIBLE BLUE KING COMFORTER SET
SEASHELLS ISLAND TROPICAL EXOTIC SAND COLORED REVERSIBLE BLUE KING COMFORTER SET
$161.47
Time Remaining: 17d 6h 10m
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Ralph Lauren Catalina Island Pinstripe King Pillowcases NIP 1stQ
Ralph Lauren Catalina Island Pinstripe King Pillowcases NIP 1stQ
$44.00
Time Remaining: 4d 12h
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NAUTICA SHELTER ISLAND 18 ACCENT PILLOW NEW w TAGS NAUTICAL BLUE PLAID BUTTONS
NAUTICA SHELTER ISLAND 18 ACCENT PILLOW NEW w TAGS NAUTICAL BLUE PLAID BUTTONS
$44.00
Time Remaining: 18d 6h 43m
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NIP Tommy Hilfiger Bedding 250 ct FULL FLAT Sheet COTTON Amelia Island FLORAL
NIP Tommy Hilfiger Bedding 250 ct FULL FLAT Sheet COTTON Amelia Island FLORAL
$15.99
Time Remaining: 1d 17h 15m
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ANN GISH BIG DIAMONDS DUPIONI SILK ISLAND BLUE THROW PILLOW NIP
ANN GISH BIG DIAMONDS DUPIONI SILK ISLAND BLUE THROW PILLOW NIP
$50.96
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Ralph Lauren SHELTER ISLAND Floral Blue KING SHEET SET 4 pc 1st Qual NEW
Ralph Lauren SHELTER ISLAND Floral Blue KING SHEET SET 4 pc 1st Qual NEW
$249.99
Time Remaining: 11d 4h 59m
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NIP 4Pc RALPH LAUREN CATALINA ISLAND BLUE FLORAL EXTRA DEEP KING SIZE SHEET SET
NIP 4Pc RALPH LAUREN CATALINA ISLAND BLUE FLORAL EXTRA DEEP KING SIZE SHEET SET
$199.99
Time Remaining: 19d 17h 23m
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New Pottery Barn Kid Blue BERMUDA FISH TWIN SHEET SET or DUVET Island Sea Ocean
New Pottery Barn Kid Blue BERMUDA FISH TWIN SHEET SET or DUVET Island Sea Ocean
$149.99
Time Remaining: 2d 7h 57m
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RALPH LAUREN ISLAND RETREAT KING DUVET 8PC BEDDING SET BLUE
RALPH LAUREN ISLAND RETREAT KING DUVET 8PC BEDDING SET BLUE
$549.99
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TOMMY HILFIGER Tucker Island Blue Paisley 3pc COMFORTER SET Queen Coastal Decor
TOMMY HILFIGER Tucker Island Blue Paisley 3pc COMFORTER SET Queen Coastal Decor
$259.65
Time Remaining: 23d 2h 42m
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NEW Ralph Lauren Polo ISLAND RETREAT Stripe Indigo White Euro Sham 150
NEW Ralph Lauren Polo ISLAND RETREAT Stripe Indigo White Euro Sham 150
$39.99
Time Remaining: 1d 18h 4m

Pottery Barn Full Queen Island Patchwork Quilt with 2 Standard Shams
Pottery Barn Full Queen Island Patchwork Quilt with 2 Standard Shams
$300.00
Time Remaining: 13d 10h 1m
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NEW Custom Ralph Lauren Island Retreat Dot Neck Pillow
NEW Custom Ralph Lauren Island Retreat Dot Neck Pillow
$19.99
Time Remaining: 26d 16h 41m
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Karen Neuburger Queen Duvet Cover Set Block Island Blue
Karen Neuburger Queen Duvet Cover Set Block Island Blue
$120.00
Time Remaining: 25d 21h 35m
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2p PotteryBarn Kid Blue Plaid SURFSIDE Oceanside Twin Duvet+Sham Island Surf
2p PotteryBarn Kid Blue Plaid SURFSIDE Oceanside Twin Duvet+Sham Island Surf
$169.95
Time Remaining: 2d 17h 56m
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TOMMY HILFIGER Tucker Island Blue Paisley 3pc DUVET SET King Coastal Decor NEW
TOMMY HILFIGER Tucker Island Blue Paisley 3pc DUVET SET King Coastal Decor NEW
$229.65
Time Remaining: 3d 9h 40m
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New Tommy Bahama Hula Island Indigo Sham Pillow Standard Blue White Hawaii 2 Two
New Tommy Bahama Hula Island Indigo Sham Pillow Standard Blue White Hawaii 2 Two
$9.99
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Ralph Lauren Catalina Island Cream  Blue Stripe KING BED SKIRT New 1st Quality
Ralph Lauren Catalina Island Cream Blue Stripe KING BED SKIRT New 1st Quality
$65.00
Time Remaining: 11d 7h 43m
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COTTAGE CHIC OCEAN ISLAND BEACH BLUE SKY KING COMFORTER SET BED A BAG BEDDING
COTTAGE CHIC OCEAN ISLAND BEACH BLUE SKY KING COMFORTER SET BED A BAG BEDDING
$94.97
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New Pottery Barn Kids Blue ALOHA Surf ISLAND TOILE Twin or Full Queen DUVET Case
New Pottery Barn Kids Blue ALOHA Surf ISLAND TOILE Twin or Full Queen DUVET Case
$159.99
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1 Ralph Lauren Catalina Island Blue Cream Stripe Standard Sham NIP FREE SHIPPING
1 Ralph Lauren Catalina Island Blue Cream Stripe Standard Sham NIP FREE SHIPPING
$59.99
Time Remaining: 2d 9h 46m
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NEW Tommy Bahama 2 Piece Quilt and Sham Set Blue  White Indigo Island Twin
NEW Tommy Bahama 2 Piece Quilt and Sham Set Blue White Indigo Island Twin
$99.99
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New Pottery Barn Blue Island Toile Aloha Full Sheet Set
New Pottery Barn Blue Island Toile Aloha Full Sheet Set
$79.95
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NEW Ralph Lauren Catalina Island Pinstripe King Bedskirt Cream W Blue Stripes
NEW Ralph Lauren Catalina Island Pinstripe King Bedskirt Cream W Blue Stripes
$9.97
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5p Pottery Barn Kid Blue ALOHA Surf Beach Twin Quilt Sham Island Toile Sheet Set
5p Pottery Barn Kid Blue ALOHA Surf Beach Twin Quilt Sham Island Toile Sheet Set
$379.95
Time Remaining: 18d 19h 53m
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2 Nautica Shelter Island Blue Standard Shams 1stQ
2 Nautica Shelter Island Blue Standard Shams 1stQ
$55.95
Time Remaining: 4d 14h 21m
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TOMMY HILFIGER Amelia Island Striped 7pc COMFORTER SET Queen Pastel Pink Blue
TOMMY HILFIGER Amelia Island Striped 7pc COMFORTER SET Queen Pastel Pink Blue
$219.95
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Ralph Lauren ISLAND RETREAT DOT King Flat Sheet BNIP FREE SH 60 OFF REDUCED
Ralph Lauren ISLAND RETREAT DOT King Flat Sheet BNIP FREE SH 60 OFF REDUCED
$76.00
Time Remaining: 16d 9h 58m
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New Ralph Lauren Standard Pillowcases in Spa Island Retreat Navy Dot
New Ralph Lauren Standard Pillowcases in Spa Island Retreat Navy Dot
$47.99
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Blue Island
Blue Island

Blue Cross Blue Shield Most Expensive Health Insurance

The Sept. 23 deadline for compliance with several health reform benefit mandates brought negative impacts for several Blue Cross and Blue Shield plans. Most notably, Blue Cross and Blue Shield of North Carolina agreed to refund $155.8 million to members enrolled in individual coverage, citing the health reform law's grandfathering provisions as the catalyst. And other Blues plans have blamed the reform law for withdrawals from the child-only coverage market and for premium rate hikes in other lines of business, drawing criticism from regulators.

Under an agreement with the state insurance commissioner, BCBSNC said it will issue a one-time refund to 215,000 members. CEO Brad Wilson said at a Sept. 20 press conference that the funds are coming out of the company's "active life reserves," which are "portions of the premium that we set aside in the early years of a policy to keep premiums more stable over the life of the policy, as customers' medical expenses rise."

Under the health reform law's grandfathering provision, "policies purchased or substantially modified after March 23 of this year will end in 2014," Wilson said.
"Therefore, the reserves held for these products will cover a much shorter period of time, which allows for these funds to be released." He explained that refunds will equal a little more than 1.5 times an individual's monthly premium. A policyholder who pays $380 a month will receive a check for $690.

Yet BCBSNC also requested an average 7% rate increase for Blue Advantage PPO customers in August. The insurer said when it filed the proposed increase that it was the lowest since 2007, and that 28,000 customers would see decreases in their rates. The insurance commissioner approved a 5.37% increase.

So why the need for increases when the insurer's pockets are overflowing? Lew Borman, spokesperson for BCBSNC, says the issues were decided in separate discussions. "The rate filing was an annual filing, an annual discussion. The premium issue was separate." Premium increases, he asserts, "are based primarily on medical trend….The active life reserves come from 2010 and the rate filing is for 2011."

But one analyst contends the issues are, in fact, linked. The North Carolina Blues plan "apparently has excess statutory capital," says Brian Wright, an equity analyst at Collins Stewart LLC in New York. "There are two ways to reduce the excess. One way is to price premiums lower than they would be so that capital is degraded away." The problem with that method is that "consumers would get a false sense of what was actually happening with underlying health care inflation," he says. BCBSNC chose the second way to reduce excess, which is to give customers refunds on prior years' premiums. That way, Wright says, "consumers receive the same benefit on a dollar basis, but do not get the false impression that medical inflation is lower than reality."

There is some precedent for Blues plans returning excess capital to policyholders through premium givebacks. In 2003, a slowdown in the rate of increase in health care spending left many not-for-profit Blues plans with unexpectedly high reserves and brought intense scrutiny from state regulators. The result:

  • Blue Cross & Blue Shield of Rhode Island said in October 2003 that it would distribute $21 million to customers, hospitals and other providers via premium rebates and increased reimbursements. The insurer decided to use a "rate holiday" to return $7 million to employers. Each employer group would get a 5% discount on one month's premium payment. Another $7 million would be used to increase physician reimbursement, and the last $7 million was distributed to hospitals in Rhode Island.
  • BlueCross BlueShield of Tennessee said in October 2003 that it would refund $67 million in premium payments to fully insured group and individual members starting in December 2003. Any enrollees or businesses that had fully insured Tennessee Blues coverage for at least one month during 2003 were eligible to receive about 4.5% of premiums back, in the form of a check mailed in December 2003 or a credit on their statement for January 2004. The Tennessee Blues plan did not include providers in the giveback program.
  • Horizon Blue Cross Blue Shield of New Jersey said in February 2004 that it would distribute $33.8 million to small businesses, $7.9 million to senior Medigap members and $8.3 million to individual enrollees under age 65. In addition, the insurer said it would commit $5 million to provide computer hardware and software to a number of New Jersey hospitals and physicians.

Meanwhile, some Blues plans and other insurers have withdrawn from child-only coverage, citing issues with reform provisions related to pre-existing condition exclusions. The insurers said they no long would sell such policies as of Sept. 23, when they may no longer reject applicants up to age 19 based on pre-existing conditions. In Colorado, for example, WellPoint, Inc.'s Anthem unit and several other carriers, including Aetna Inc., CIGNA Corp., Humana Inc. and UnitedHealth Group's Golden Rule Insurance Co. subsidiary, said they would drop new sales of child-only policies while continuing to cover current child-only enrollees and to accept children with pre-existing conditions in new family policies. Insurers in several other states also reported that they would withdraw child-only products.

Under rules issued in June that take effect for plan years beginning on or after Sept. 23, 2010, insurers may no longer exclude pre-existing conditions from coverage for enrollees under the age of 19. In an effort to address concerns regarding adverse selection, HHS issued guidance July 27 authorizing insurers to restrict enrollment of children under age 19 "to specific open-enrollment periods," if permitted by state law. But the open-enrollment period must apply to healthy as well as sick children, while the insurers — and some state insurance commissioners, preferred to allow acceptance of healthy children year-round. HHS signaled that it would try to adjust open-enrollment periods to address the risk of adverse selection, but no deal had been reached by press time.

Meanwhile, insurers in several states blamed reform for premium rate hikes. The Rhode Island Blues plan, for example, reportedly told customers it would raise premiums by a few percentage points on top of already approved rate hikes to account for additional benefits mandated by the reform law. BCBSRI and other Rhode Island insurers that planned to impose similar rate hikes came under fire from Insurance Commissioner Christopher Koller. In a Sept. 9 letter to chief executives at the state's three largest insurers, Koller said that any changes to approved premium rates "as a result of PPACA [i.e., the reform law] will be considered material and an exception to the OHIC's previous decision….They may not to be applied in quotes to customers unless and until approved by this office." The insurers also must submit "analysis supporting the additional premium rate charge anticipated for each contemplated change and why it should cause average rates to increase by more than the amount approved."
BCBSRI spokesperson Kimberly Reingold told The AIS Report that "the guidelines under federal health care reform will add cost to employers and we currently are working with them to understand the specific impact to premiums, which will vary based upon benefits selected by each employer. Every time an employer changes their coverage, or we are mandated to cover new services…rates are adjusted." She added that "those rates could be anywhere from 1.8% to 3% more depending upon plan design."

HHS reacted strongly to news that insurers were blaming reform for rate hikes and market exits. In a Sept. 9 letter to the trade group America's Health Insurance Plans, HHS Sec. Kathleen Sebelius warned that there will be zero tolerance for "misinformation and unjustified rate increases" blamed on health reform. In her letter, Sebelius said that several insurers are falsely attributing 2011 premium increases to patient protections in the reform law. According to the administration's analysis and those of some "industry and academic experts," any potential premium impact from reform would be no more than 1% or 2%.

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18

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