UnitedHealthcare Specialty Plans - Update and Reminders

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UnitedHealthcare Specialty Plans – Update and Reminders

Mar 8, 2021, 2 Minute Read

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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