Archive for the ‘UnitedHealthcare’ Category

UnitedHealthcare Specialty Plans – Update and Reminders

The recent specialty plans update and reminders are listed below.

Update

5% Dental Rate Cap Extended Through July 2021 Effective Dates

The UnitedHealthcare Dental Rate Cap Program guarantees that groups enrolling in a new plan will receive no more than a 5% increase at their first renewal.

• Group size of 2 – 100 eligible employees.
• Applies to both employer sponsored and voluntary coverage.
• Available to both new business and new coverage existing accounts (NCEA).

Reminders

Enhanced Dental Plan Options

• FlexAppeal Enhanced (X series)
  Dental plan codes with the letter ‘X’ include coverage for white composites, implants, and up to four cleanings per year with a supportive diagnosis.
• Preventive MaxMultiplier (H series)
  Dental plan codes with the letter ‘H’ do not apply preventive and diagnostic services towards the annual maximum (the same concept as Delta Dental’s ‘DPM Waiver’ and Principal’s ‘Preventive Passport’ feature).

Off-Cycle Specialty Adds
UnitedHealthcare allows certain specialty products to be added off-cycle without any approvals. The rate guarantee period will be adjusted so the off-cycle products renew at the policy anniversary.

Products that DO NOT require approval to be added off-cycle:

• Contributory and voluntary dental.
• Contributory and voluntary vision.
• Non-contributory and contributory basic life.
• Non-contributory and contributory long-term disability.
• Non-contributory and contributory short-term disability (employees working in CA, HI, RI, NY, NJ, and Puerto Rico are not eligible).

Products that DO require approval to be added off-cycle:

• Supplemental (Voluntary Life).
• Voluntary short-term and voluntary long-term disability.

Start quoting UnitedHealthcare specialty plans today!

Questions?
Contact your Claremont team at 800.696.4543 or info@claremontcompanies.com.

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Optimize Sales with UnitedHealthcare

Several popular carriers are drastically increasing prices, changing plan designs, reducing benefits, and re-certifying groups who do not meet eligibility. The solution for those groups — UnitedHealthcare (UHC), the largest national carrier with the largest provider network trusted by major corporations throughout the country.

Why UnitedHealthcare:

• Consistently lower rates.
• Best-in-class plans.
• Flexible underwriting.
• Specialty bundling savings.
• Robust value-add programs.

To learn more, download our UHC Highlight brochure.

Price Advantage

Instead of high-deductible health plans (HDHP) and downgraded benefits, present a new approach — one that relieves cost pressures, frustrations, and complexities. Offer UHC’s sizable price advantage. Did you know that groups with Anthem or Health Net may save on their Q4 renewal by moving to UnitedHealthcare plans with similar or richer benefits?

An example of UHC’s Q2-2021 savings:

See how much less UHC’s rates are in your region and statewide:

• Q2-2021 Top 3 Carrier Price Comparison – All Regions (1-19)*

Flexible Underwriting

Having trouble fitting some of your groups with the Blues? Are clients that no longer meet participation guidelines facing cancellation of coverage? No problem. UnitedHealthcare’s flexible underwriting provides a much needed solution for these groups in California and out-of-state.

California small groups qualify with:

• 60% participation after generous individual waiver allowances.
• 1099 contractors enrolling.
• No DE9C’s for groups with 10+ eligible employees — anytime (not just a promotion).
• High Kaiser Permanente participation, groups only need five CA employees on UHC and 60% total participation (between both carriers).

As the largest national carrier with the largest provider network, employees in multiple states receive excellent coverage with UHC (different underwriting guidelines apply outside of California, and vary by state).

More Savings

Value Added Member Benefits
Every small group client receives these programs at no additional cost:

• No fee COBRA, FSA, and POP – provide these no-cost services to clients with 2+ members.
• Virtual Visits – make it fast and easy for members to stay healthy with virtual visits. Best of all, copays are only $25 or less – a great value! Learn more.
• Gym Reimbursement – offer savings of up to $240 per member AND per spouse each year. A $480 value!
• Rally – incentivize good health with this easy-to-use and fun custom wellness app.
• Member App – give members everything they need to manage their accounts, from billing to virtual member cards.

Specialty Bundling
Offer employers a complete all-in-one benefits package that includes Medical, Dental, Vision, Life, and Long Term Disability, while also delivering savings of $7 PEPM. To simplify administration, there’s one bill, one point of contact, and integrated member tools. Attractive bundling discounts are also available for ACEC engineering groups. Details on UHC’s Packaged Savings® are available here.

ACEC Program
Small groups (2+ members), with a consulting engineer, can qualify for large group benefits and pricing with UnitedHealthcare’s unique ACEC Life/Health Trust Program.

Don’t wait!

Make sure you win or retain the business by being the first to quote UHC — don’t get left behind by leaving the door open for competitors.

New to UnitedHealthcare?
No worries. Claremont’s UHC experts, with over 125 years of combined benefits experience, will provide guidance and support every step of the way. From quoting similar plans to assessing new group eligibility and resolving post-enrollment issues, you can count on us to make the process faster and easier, so you can focus on your business and achieve your goals.

To learn how your groups can benefit by moving to UnitedHealthcare, contact Claremont today.

Questions? Need help?
Contact the small group experts at 800.696.4543 or info@claremontcompanies.com. We’ll help you make the sale!

*This analysis compares the best selling plan at each metal tier across three major statewide carriers.

UnitedHealthcare Specialty Plans – Update and Reminders

The recent specialty plan update and reminders are listed below.

Update

Employer Bundling Program extended to July 2021 to earn up to a $3,000 credit by bundling 3+ lines of new ancillary coverage.

Qualifications

• Hit the Annualized Premium Threshold of at least $7,500.
• Groups receive an administrative credit on the third or fourth invoice after the lines have been added.

Eligibility Requirements

• February 2021 – July 2021 effective dates.
• 1 -100 eligible employees in California and Colorado.
• 2-50 eligible employees in other states.
• Dental, vision, life, voluntary life, STD, and LTD. STD is not available in California because of CASDI.

Download the Employer Bundling Program flyer to learn about the savings on specialty plans.

Employer Bundling Program

Reminders

Dental and Vision Rate Passes Extended Through April 2021

• Applicable for groups of 2-100 eligible lives.
• Includes UnitedHealthcare and All Savers business.
• Life and disability coverage are still subject to review and potential rate increases due to filed claims.

Q2-2021 Small Group Rate Actions and Broker Bonus Programs

Broker bonus for new sales and renewing groups.

Specialty Benefits Quick-Quote-Tool

• Access the self-service quoting tool through United eServices using your UeS login information.
• The Quick Quote Tool is available now.
• Get the Specialty Benefits Quick Quote Tool Job Aid to see all the steps you need to follow for quoting dental, vision, and basic life for 2-100 eligible employees.

Start quoting UnitedHealthcare specialty plans today!

Questions?
Contact your Claremont team at 800.696.4543 or info@claremontcompanies.com.

Get The Latest News with Text Messaging!

Your success is important to us, and we’re actively working on new solutions to support you throughout the year. To get the latest news via text messaging in the future, simply provide your cell phone number here.

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UnitedHealthcare Webinar: COVID-19 Briefing on The Latest Vaccination Efforts

Stay up to date on the latest COVID-19 vaccination efforts by attending UnitedHealthcare’s webinar on January 27th at 12:00 pm PST.

Topics Include:

• Updates on vaccine availability, distribution, and vaccination efforts.
• Information about new COVID-19 variants and the implications for testing and patient care.
• A review of tools such as ProtectWell that help employers ensure workplace safety and compliance.
• Healthcare updates, including regulatory changes to improve transparency and potential new rules from the Biden Administration.

Register now.

Register for The Webinar

Questions?
Contact your Claremont team at 800.696.4543 or info@claremontcompanies.com.

Get The Latest News with Text Messaging!

Your success is important to us, and we’re actively working on new solutions to support you throughout the year. To get the latest news via text messaging in the future, simply provide your cell phone number here.

Sign Up for Text Messaging

UnitedHealthcare Small Group Rate Actions and Bonus Programs

Prepare for Q2-2021 with these rates actions, broker bonus programs, updates, and reminders from UnitedHealthcare.

Q2-2021 Small Group Rate Actions

• Northern California
  Quarterly Change: PPO +2.7% and HMO +2.3%
  Annual Renewal: PPO +3.9% and HMO +3.0%
• Southern California
  Quarterly Change: PPO +2.1% and HMO +2.3%
  Annual Renewal: PPO +0.3% and HMO +1.8%

Broker Bonus Programs*

‘New’ Sales Bonus

• Eligible California agents will receive a $100 bonus for each member enrolled in medical coverage sold during the bonus period.
• Eligible groups are fully insured medical groups with up to 100 eligible employees in California that have an effective date from January 1, 2021 – December 31, 2021, and have at least 10 employees enrolled in UnitedHealthcare medical coverage.
• Groups must be a California situs to be eligible for the bonus.

Renewal Bonus

• Eligible agents can earn an additional $100 bonus for each enrolled employee for groups that receive the ‘New’ Sales Bonus for 2021, and renew coverage in 2022.
• Another $100 bonus will be paid for each enrolled employee if the group renews coverage again in 2023.
• Bonus example:
  • When an agent sells an eligible medical group with 60 enrolled employees, with an original effective date in 2021, the agent is eligible for a new sales bonus of $100 per enrolled employee, or $6,000 ($100 x 60 employees).
  • When this group renews fully insured medical coverage in 2022 with 65 enrolled employees and is active on December 31, 2022, the agent will receive a 2022 renewal bonus of $6,500 ($100 x 65 employees).
  • When the same group renews fully insured medical coverage in 2023 with 70 enrolled employees and is active on December 31, 2023, the agent will receive a 2023 renewal bonus of $7,000 ($100 x 70 employees).

  

  • To learn more, download the flyer.

Current Small Business Broker Bonus
The current bonus program is in place and will be in addition to the bonus programs mentioned above for new groups written in 2021.

• Effective dates: March 1, 2020 through February 28, 2021.
• Eligible groups are fully insured medical groups, located in California, that have at least 10 enrolled eligible employees.
• The maximum bonus for eligible groups or a collection of affiliated groups is $50,000.
• Example of the payout amounts by group size and medical coverage:

• Download the flyer to learn more.

*Only agents permanently located in California are eligible for the bonus.

Underwriting

Choice Simplified Packages

• 3 packages that can be mixed and matched with all plans and networks.
• Employers can anchor with a base plan and allow employees to buy up to richer options or larger networks.
• To learn more, download the flyer.

Staff Model Guidelines
Only 5 California employees enrolled in UnitedHealthcare to offer alongside up to 2 Staff Model carriers, 60% overall participation required.

Out-of-State Guidelines
Does not require 51% to reside in a state.

Participation Certificate
Groups with 10+ employees can submit a participation certificate in lieu of a DE9C.

Start-Up Groups
6 weeks in business and 2 weeks payroll prior to the effective date.

Packaged Savings
Discounts for bundling specialty coverage (dental, vision, life and/or short-term disability) with medical coverage.

• Monthly credit per enrolled medical employee per month.
• Dollar amount to be credited does vary by line of coverage.
• Additional details can be found on the Package Savings Flyer.

Specialty Updates

Dental 
UnitedHealthcare is extending the 5% dental rate cap until July 2021 effective dates.

• Enhanced dental plans available:
  – X Series: Implants, white composites, and up to 4 cleanings per year (no missing tooth clause).
  – H Series: Preventative and diagnostic services do not count toward the annual maximum.
• Implants and ortho included in the CA DHMO plans.

Vision

• Retail network includes Lens Crafters, 1-800 Contacts, Warby Parker. and Glasses USA.
• Additional exam and materials benefits are available for diabetic, pregnant/nursing women and children under the age of 13.

Wellness Reminders

Motion HSA Prepaid Debit Card

HSA members (employee or spouse) can choose to receive incentives via an HSA deposit or via a prepaid debit card during Motion registration. The debit card may be used for non-health care-related expenses.

• Prepaid card option is effective January 1, 2021.
• Employee and spouse can have their own HSA account or prepaid debit card.
• Existing members will receive a notification.
• Members can change their options throughout the plan year.

Motion and Apple Fitness+

Motion members with an Apple Watch® can now receive 5 months access to Apple Fitness+ at no additional cost from January 1, 2021 through June 30, 2021.

Important Dates

• April 1, 2021 rate guides have been posted to the UnitedHealthcare portal.
• Q2-2021 rates are live in PRISM.
• New business submission deadlines are the 10th of every month.
• April 1, 2021 renewals are available.
• COVID-19 Public Health Emergency has been extended to April 20, 2021.
  UnitedHealthcare will cover medically appropriate COVID-19 testing during the national public health emergency period.
• Access the COVID-19 FAQs.

Drive sales with UnitedHealthcare’s valuable free services, including:

• • • Free COBRA, FSA and POP (2+ members)
    • Virtual Visits
    • Gym Membership
    • Rally Wellness App
    • Member Account Management App

Start quoting UnitedHealthcare today!

Questions?
Contact your Claremont team at 800.696.4543 or info@claremontcompanies.com.

Get The Latest News with Text Messaging!

Your success is important to us, and we’re actively working on new solutions to support you throughout the year. To get the latest news via text messaging in the future, simply provide your cell phone number here.

Sign Up for Text Messaging

UnitedHealthcare Vision Provider Network Update

UHC Vision Provider Network Update

• Effective January 1, 2021, 1-800 Contacts has become UnitedHealthcare’s newest online provider. Eligible members can apply their contact lens allowance by logging in at 1800contacts.com and selecting the insurance link.
• LensCrafters, a recent UnitedHealthcare partner, offers consumers a large selection of designer frames, convenient hours and locations.
• Check out this current listing of UnitedHealthcare’s brands and retail stores.

Reminders

Vision Coverage

• Members continue to have in-store and on-line access to Warby Parker® products and services. To learn more, visit warbyparker.com/united.
• GlassesUSA.com will continue to be offered as an online retailer.

Specialty Benefits Quick-Quote-Tool

• Get the Specialty Benefits Quick Quote Tool Job Aid to see all the steps you need to follow for quoting dental, vision, and basic life for 2-100 eligible employees.
• Access the self-service quoting tool through United eServices using your UeS login information.
• The Quick Quote Tool is available now.

Dental and Vision Rate Passes Through April 2021

• Life and disability coverage are still subject to review and potential rate increases due to filed claims.

Start quoting UnitedHealthcare Specialty plans today!

Questions?
Contact your Claremont team at 800.696.4543 or info@claremontcompanies.com.

Get The Latest News with Text Messaging!

Your success is important to us, and we’re actively working on new solutions to support you throughout the year. To get the latest news via text messaging in the future, simply provide your cell phone number here.

Sign Up for Text Messaging

Apple Fitness+ Now available to UnitedHealthcare Motion Members

Starting in 2021, UnitedHealthcare Motion® members with an Apple Watch® will be eligible to sign up for Apple Fitness+ and get a five consecutive month subscription at no additional cost.

Members will have access to Apple Fitness+ digital studio-style workouts with real-time metrics from Apple Watch synced to their iPhone, iPad or Apple TV, so they can follow their workout progress on screen. And they can choose from 10 workout types, with new workouts added every week that can be completed anytime, anywhere. Members can handpick music from their favorite artists to stay motivated. What’s more, Motion members may earn financial rewards for participating in Apple Fitness+ workouts.

Eligibility

The Apple Fitness+ promotion is available to any Motion-eligible member who activates the offer between January 1 – June 30, 2021, and has registered for UnitedHealthcare Motion and paired an Apple Watch on the UHCMotion mobile app. Once members pair an Apple Watch, they’ll receive a notification on how to redeem the Fitness+ promotion code.

Check out the press release to learn more.

Start quoting UnitedHealthcare today!

Questions?
Contact your Claremont team at 800.696.4543 or info@claremontcompanies.com.

Get The Latest News with Text Messaging!

Your success is important to us, and we’re actively working on new solutions to support you throughout the year. To get the latest news via text messaging in the future, simply provide your cell phone number here.

Sign Up for Text Messaging

UnitedHealthcare Vision Benefits Update

UnitedHealthcare Specialty plan reminders:

UnitedHealthcare’s Flexible Vision Network

• Includes 66 retail chains that offer convenient evening and weekend hours (good to know for groups with out-of-state locations). Many of the retail stores offer consumer discounts, on-going promotions, and a large inventory, unlike many private practice providers that are unable to due to space limitations.
• For a full list of providers, sign in to myuhcvision.com or call 800.638.3120.
• Download the vision provider network flyer to learn more.

Enhanced Maternity and Pediatric Vision Benefits 

• Additional maternity and pediatric vision benefits are included at no extra cost to members:
  • Two eye exams are covered each plan year for mothers-to-be and children up to the age of 13.
  • Coverage for one new pair of glasses (frames and lenses) at no additional premium cost if the vision prescription changes .5 diopter or greater in a plan year.
• Please note: these details are not included in UnitedHealthcare’s vision benefit summaries – only in this flyer.

Online Vision Providers: Warby Parker and GlassesUSA.com

• Warby Parker:
  • A network option for UnitedHealthcare members to purchase eyeglasses, prescription sunglasses, or contact lenses with vision benefits.
  • Free shipping.
  • A full refund or exchange is available within 30 days of receipt.
  • For more information, visit warbyparker.com/united.

• GlassesUSA.com:
  • Access to over 7,000 styles of glasses and sunglasses, including well-known designer brands and established house brands.
  • Ultraviolet, anti-reflective (anti-glare), and scratch-resistant coatings included at no additional cost.
  • Virtual Try-On allows members to see how the glasses fit.
  • Transparent pricing and benefits integration.
  • Free shipping and returns.
  • 24/7 customer support.

Start quoting UnitedHealthcare Specialty plans today!

Questions?
Contact your Claremont team at 800.696.4543 or info@claremontcompanies.com.

Get The Latest News with Text Messaging!

Your success is important to us, and we’re actively working on new solutions to support you throughout the year. To get the latest news via text messaging in the future, simply provide your cell phone number here.

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UnitedHealthcare Specialty Benefits Quick Quote Tool and Plan Administrator Guide for Life and Disability Products

Specialty Benefits Quick Quote Tool for Small Business

UnitedHealthcare’s newly launched Specialty Benefits Quick Quote Tool is a web-based self-service quoting tool that allows brokers to quickly and easily provide dental, vision, and basic life quotes for groups with 2-100 eligible employees. Easily access it through United eServices using your UeS login information

New Features Include:

• Summary census only for dental and vision quoting 2-50. No need to enter a full census!
• Comprehensive product portfolio.
• Advanced search options to filter portfolios based on needs.
• Side-by-side plan comparisons of benefits and rates.
• Benefit Summary accessibility.

Check out the Quick Quote Tool guide to learn more.

Get The Quick Quote Tool Guide

Plan Administrator Guide for Life and Disability Products

Get helpful action items and definitions to review as you administer your UnitedHealthcare life and disability coverage. Download the Plan Administrator Guide.

Get The Plan Administrator Guide

Questions?
Contact your Claremont team at 800.696.4543 or info@claremontcompanies.com.

Get The Latest News with Text Messaging!

Your success is important to us, and we’re actively working on new solutions to support you throughout the year. To get the latest news via text messaging in the future, simply provide your cell phone number here.

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New COVID-19 Briefing from UnitedHealthcare

Attend the UnitedHealthcare COVID-19 briefing for brokers on October 21, 2020 at 10 am PDT.

Date: October 21, 2020
Time: 10 am PDT
Place: Online
Cost: FREE

Learn about:

• Clinical insights, including a focus on testing and the challenges of the upcoming flu season.
• Operational updates, including the latest on access to care and telehealth.
• The latest trends in nationwide COVID-19 data and what they may mean for employers.

Register now.

Register Now!

Questions?
Contact your Claremont team at 800.696.4543 or info@claremontcompanies.com.

Get The Latest News with Text Messaging!

Your success is important to us, and we’re actively working on new solutions to support you throughout the year. To get the latest news via text messaging in the future, simply provide your cell phone number here.

Sign Up for Text Messaging