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CARES Act Resources

April 3rd, 2020 in Agent Broker Broadcast

In an effort to help small businesses understand the intricacies of the CARES Act and benefits available to them, the U.S Senate Committee on Small Business & Entrepreneurship has created the following guide.

For more information, we encourage you to visit the U.S. Small Business Administration’s dedicated page for Coronavirus (COVID-19): Small Business Guidance & Loan Resources.

In addition to the above resource, we highly recommend visiting the U.S Treasury’s page on the CARES Act where you can find an overview of the Small Business Paycheck Protection Program and more.

As always, The Insurance Exchange is here for you and your clients. We are closely monitoring the constant changes and guidance provided by the U.S. government and our local carrier partners. Please do not hesitate to reach out to us with any questions or concerns you may have.

UHC COVID-19 Update

March 25th, 2020 in Agent Broker Broadcast

The Insurance Exchange is committed to providing you with the most up to date information from UHC on COVID-19 as it becomes available.

UHC COVID-19 Special Enrollment Period Updated information:

The Special Enrollment period UHC is offering its clients has been extended from March 23rd to April 6, 2020, for a April 1, 2020 effective date.

All Savers is also offering this special enrollment period.

There are specific guidelines that will apply to the Special COVID-19 Enrollment Opportunity. Please refer to the link:  https://www.uhc.com/content/dam/uhcdotcom/en/B2B-Newsletters/b2b-pdf/covid-19/faqs-special_enrollment.pdf

UHC has provided the following broker resources to help keep up to date with information as it becomes available:

Please direct members to the following link as the above resources are not designed to be shared with members: (https://www.uhc.com/health-and-wellness/health-topics/covid-19)

TIE Response to COVID-19

March 20th, 2020 in Broker Broadcast

The Insurance Exchange’s priority is to keep our employees and their families healthy while continuing to provide you and your clients with the same level of service you receive throughout the year.  As the coronavirus disease 2019 (COVID-19) continues to rapidly spread, we have made the decision to temporarily close our office and work remotely.  Thanks to modern technology, you will see no change in the level of service or information provided.  We will continue to receive mail and packages at our physical location and faxes via email.  Our employees will still be available by dialing our main number and using the dial by name directory, but we encourage you to utilize their direct lines listed below.

Kevin Balkin972.404.2620
Dylan Copeland972.404.2614
Joe Sherman972.404.2621
Sarabeth Wynne972.404.2601
Paula Johnson972.404.2623
Michelle Acevedo972.404.2616
Scott Hughes972.404.2613
Stacey Priddy972.404.2611
Barbara Vines972.404.2626
Amanda Wooldridge972.404.2619
Heather Holliday972.404.2618
Shanna Shuck972.404.2622
Tara Cagle972.404.2615
Lisa Ross972.404.2607
John Peter Bievenour II972.404.2610
Kathleen Bievenour972.404.2609
John Bievenour972.404.2608

Please do not hesitate to reach out to us with any questions or concerns.  

HealthiestYou: Coronavirus (COVID-19)

March 13th, 2020 in Broker Broadcast

If you think you might be infected with coronavirus (COVID-19), HealthiestYou doctors will answer your questions about the disease, ask a series of questions to evaluate your risk, and advise you on next steps. Their team is trained on the latest protocols for local and national notification, testing, and management of people under investigation for the virus.

Current members can request a phone or video visit with a HealthiestYou doctor by clicking here.

Not currently a member? You can signup instantly by clicking here!

Coronavirus (COVID-19): Help Your Clients Prepare

March 10th, 2020 in Agent Broker Broadcast

With the spread of Coronavirus (COVID-19), many employers are desperately searching for guidance.  We have complied the information below in an effort to keep you informed.  The attached articles include recommended strategies from the CDC for employers

Interim Guidance for Businesses to Plan and Respond to COVID-19
This guide provides information from the Centers for Disease Control and Prevention about how businesses and employers can plan for and respond to coronavirus disease 2019 (COVID-19). Click Here

Coronavirus Disease 2019 (COVID-19) Fact Sheet
This one-page fact sheet from the Centers for Disease Control and Prevention provides an overview of COVID-19 and coronaviruses in general. Click Here

UHC 1095-B and 1095-C forms

January 29th, 2020 in Broker Broadcast

Based on recent guidance for the Affordable Care Act, most printed 1095-B forms will have been suppressed and not mailed in January. These were previously sent to fully insured group subscribers. However, since the forms are no longer required for federal tax purposes, they are not required to be mailed in January like they have in the past. [Read more..]

2019 Broker Survival Guide

August 9th, 2019 in Agent Broker Broadcast

The 2019 4th Quarter Survival Guide for UnitedHealthcare and All Savers is here!  Product portfolios, value added benefit information, and much more are included in the pdf attached below.  If you have any questions, please contact your TIE Sales rep at 972.991.6500.

2019 Broker Survival Guide

All Savers 15-Month Rate Guarantee

July 15th, 2019 in Agent AllSavers Broker Broadcast

  • Available for 10/1, 11/1, 12/1, 1/1, 2/1, 3/1 and 4/1 effective dates!!
  • Same rates for either 12 months or 15 months
  • 15 Month rate guarantee is a 3 month contract followed by a 12 month contract
    • Example:  12/1s become 3/1’s
  • 15 Month Rate Guarantee Confirmation Form to be signed by the Broker and Employer

*Note:  Group forfeits surplus for the first 3 months

Reconciliation for the 15 months will follow the normal process from 2nd 12-month policy. Reconciliation rules still follow; the group has to be effective 3 months beyond the renewal date in order to be eligible for a potential surplus.  *See Chart above

Questions?  Please Contact:
Joe Sherman – 972.404.2621
Kevin Balkin – 972.404.2620
Amanda Wooldridge – 972.404.2619
Paula Johnson – 972.404.2623
Stacey Priddy – 972.404.2611

All Savers Portfolio Update 8/19

July 15th, 2019 in Agent Broker Broadcast

This All Savers portfolio update is effective 8/1/19:

  • PROFORMANCE Plans being added to All Savers
  • Most plans – $0 copay on kids 19 and under (similar to the UHC fully insured plans)
  • 15 month rate guarantee is available for groups with effective dates of 10/1/19 through 4/1/20 (no rate increase for choosing the 15 month option) **click here for details**
  • Navigate & Charter plans are now part of the All Savers portfolio (prior to this there were only PPO / EPO options) – make sure to ask your sales rep for specific details

You also have the option of having the Lab & X-rays being covered under the OV – Plans ending in e

OR

Lab & X-rays being subject to the deductible and coinsurance – Plans ending in LX (roughly a 5 – 7% savings)

We have attached the new plan grid as well as the popular “Why All Savers” brochure below .  Please remember we can enroll All Savers groups with a minimum of 5 EEs enrolling.

UHC AHPs on Hold Pending Appeal Decision

May 9th, 2019 in Agent Broker Broadcast

Effective May 7, 2019, UnitedHealthcare made the decision to place AHP quoting on hold pending the appeal decision by the court.  

If you have already received an existing New Rule AHP employer participant quote, UnitedHealthcare will honor the quote and will continue to install previously sold employer participant groups.

Employees and their covered dependents of previously enrolled employer participant groups may continue to enroll in coverage consistent with the terms and conditions of the policy. 

This action does NOT impact trade-based Old Rule bona fide employer AHPs that met the requirements in effect prior to the 2018 DOL Final Rule. The decision only affects geography-based New Rule AHPs.

Click here for more information from UHC

UHC 2019 Texas Producer Performance Guide

December 13th, 2018 in Agent Broker Broadcast

UnitedHealthcare’s 2019 Producer Performance Guide has been released.  The Performance Guide contains information regarding the medical and specialty commissions, bonuses, and UnitedHealthcare’s policies.  If you have any questions, please contact your sales rep at 972.991.6500.

UHC 2019 Texas Producer Performance Guide  

2018 AllSavers 15-Month Rate Guarantee

November 26th, 2018 in Agent Broker Broadcast

Give your clients the gift of a 15-month rate guarantee!  All Savers is offering a 15-month rate guarantee for new and select renewing groups with 12/1 and 1/1 effective dates, at no additional cost!  That’s right, the rates for the 15-month are the same as the 12-month option.

With this 15-month rate guarantee:

Effective Date  Renewal Date
12/1/2018 3/1/2020
1/1/2019 4/1/2020

It’s a win-win!  Your groups will enjoy the peace of mind of a 15-month rate guarantee and you’ll be moving business from your busiest time of the year!

Groups are required to sign a 12-month or 15-month attestation form for Dec. 1 and Jan. 1 effective dates.

All Savers 15-Month Rate Guarantee

Questions?  Please Contact:
Joe Sherman – 972.404.2621
Kevin Balkin – 972.404.2620
Amanda Wooldridge – 972.404.2619
Paula Johnson – 972.404.2623
Stacey Priddy – 972.404.2611

Association Health Plans (AHPs) Plans Are Here!!

October 19th, 2018 in Agent Broker Broadcast

Hopefully you were able to attend the UHC rollout of the AHP plans yesterday in Irving.  If you were not able to attend, there is some very exciting news about AHPs being rolled out by UHC.  Quoting for these plans should start very soon.  Great News! You don’t have to worry about doing any extra work to get an AHP quote for your groups.  As always, we at the Insurance Exchange are looking out for our agents’ best interests and ways to improve our service to you.  We have already looked at all quote requests for 12/1 and 1/1 effective dates and pulled the groups that could benefit from the AHPs to send up for quoting once the process begins.

All new quote requests for groups between 5 and 50 employees with an ATNE (Average Total Number of Employees) under 50 will also be sent an AHP quote.  Please be aware that the turnaround time on these quotes will be a little longer than our normal time for UHC fully insured and All Savers proposals.  Due to the slower turn around, you will receive your UHC and All Savers quotes first and then the AHP quote will follow a few days later.

AHP will not be a fit for every group due to the factors that go into rating these groups, but UHC believes it will be a good fit for about 50% of the groups in small business.  Just because AHP doesn’t work for one group doesn’t mean that it won’t work for the next.  If you have any questions, please contact your TIE Sales Rep.

2017 Broker Survival Guide

August 4th, 2017 in Broker Broadcast

UnitedHealthcare has released its 2017 4th Quarter Survival Guide for Fully Insured and Level-funded products.  Product portfolios, value added benefit information, and much more is included in the pdf attached below.  If you have any questions, please contact your TIE Sales rep at 972.991.6500.

2017 Broker Survival Guide

New All Savers Plans!

June 21st, 2017 in Agent Broker Broadcast

New All Savers plans for 8/1 effective dates have been released!  Highlights and grids are listed below:

AllSavers

  • 54 plans have been discontinued
  • 42 new plan designs
  • 4 HSA plans with RX copays after deductible (RX10)
  • 8 HSA plans with Medical and RX copays after deductible — Up to a 20% savings!!!
  • 12 Copay plans with ER copay+ded+coinsurance (NEW BENEFIT!)
  • 12 Primary Focus Plans
  • 6 Flex Focus Plans

New Primary Focus Plans – Provides up to 18% savings!!

  • Unlimited $0 PCP copays – OBGYN is considered PCP
  • Healthiest You Virtual Care $0 copay
  • $0 Tier 1 RX coverage
  • 4 Tier RX card with $250 Deductible on tier 3 and 4 only
  • Includes Motion to help enrolled Employees & Spouses each earn up to $1095 annually!!

New Flex Focus Plans – Provides up to 18% savings!!

  • 3 Office Visits – $0 OV copay (PCP or Specialist)
  • 2 Urgent Care Visits – $0 UC copay
  • Healthiest You Virtual Care $0 copay
  • Standard drug card
  • Includes Motion to help enrolled Employees & Spouses each earn up to $1095 annually!!

 All Savers Plan Grid

We are currently working to re-quote all prior 8/1 and 9/1 quote requests.

Primary Advantage Plans

February 14th, 2017 in Broker Broadcast

New fully insured product grid for groups 1 to 50, effective 4/1/17. The new Primary Advantage Plans have been added in package 21.

Primary Advantage Plans include:

  • $0 copays for Virtual Visits
  • $0 copays for Primary Care Physicians – All ages, not just children under 19
  • $100 copays for Specialists
  • $50 copays for Urgent Care

If you need benefit summaries or RX plan information, please contact your new business sales rep directly.

New All Savers Sales Bonus

January 22nd, 2017 in Broker Broadcast

Kick-off 2017 with an opportunity to make more money!  UnitedHealthcare has announced a new Sales Bonus for All Savers® Alternate Funding Cases with up to 50 Eligible Employees with effective dates from Feb 1 – Sept 30, 2017.  Agents in Texas can earn $100 – $500 per group written if they meet the bonus eligibility requirements.  See attachment below for bonus program details.  If you have any questions, please contact your TIE Sales rep at 972.991.6500.

All Savers Bonus Program

1/1 Rates Available Now

September 23rd, 2016 in Agent Broker Broadcast

January 1, 2017 rates are now available to quote!  The plan grids are much easier to read this year with all options on 4 pages for all 3 packages.  Reminder: Groups can offer as many plans as they wish; however, all plans must be in the same package.

One change for 2017 that you will notice is that lab and x-rays on some of the value plans are now covered under the office visit copay.  This is an enriched benefit from last year, making UnitedHealthcare plans one of the most enriched benefit plans in the 1 to 50 market.  Don’t forget the virtual office visits are included with every plan as well.

Below you will also find some additional highlights for 2017 from UnitedHealthcare:

January 1, 2017 Plan Portfolio now available to quote your 1-50 ATNE groups  [Plan Grid]
Effective today, we can now quote our new 2017 plan portfolio for your 1-50  ATNE (average total number of employees) groups with UnitedHealthcare. Attached is the new portfolio which has been updated to reflect all 3 available packages on one document. You will see that some plans are still in our portfolio, but others have been removed to remain in compliance with the metallic levels set for 2017. The plan portfolio continues to include Premier, Premier Value, FlexFree, Navigate, HSA & HRA plans. Remember that you can pair any number of plans together as long as they are all in the same package!!

Select Designated Pharmacy Program Sunsetting Jan. 1, 2017
As part of our continued commitment to providing value to our clients, we have decided that as of 1/1/17, we will no longer offer the Select Designated Pharmacy program (SDP). Developed in 2009, the SDP program was designed to encourage members who are on select high cost (non-specialty) medications to save money by switching to home delivery, lower cost options or do both. Each option had a different savings potential, but the member needed to choose one of the options to continue receiving network benefits. Through our recent in-depth review, prompted in part by new health care reform regulations for 2017, we have decided that in order to align with changes in the marketplace, we will concentrate on programs such as the Step Therapy program to encourage the use of lower cost drugs and the Mail Service Member Select program to support use of the most efficient delivery channel.

Existing members will not receive any communication after 11/1/2016 about the SDP program because no action is required on their part. They will continue to receive their medications as they have in the past.

Important Jan. 1, 2017, PDL and Pharmacy Benefit Updates  [2017 UHC PDL] [2017 4-tier PDL]
UnitedHealthcare updates its Prescription Drug List (PDL) on Jan. 1 and July 1. By making updates twice a year, we are able to keep pace with current market trends, price changes and new clinical information. We are pleased to share our PDL and pharmacy benefit updates for January 1, 2017 with you. Please see attached PDLs for both our 3 tier and 4 tier drug plans. Members will receive a letter 30-60 days prior to the effective date. You can also encourage them to visit myuhc.com to find lower-cost medications with greater health care value.


Fillable PDF Member Enrollment Forms Available for Open Enrollment
[EE Enrollment Form] [ Spanish]

We live in a digital age, and Open Enrollment should be no different. UnitedHealthcare’s new fillable PDF member enrollment forms allow Small Business customers to have technology at their fingertips. Using these forms not only saves time, it also helps avoid potential errors in enrollment by taking out the guesswork, thus creating a more efficient process overall. Please see attached English and Spanish PDF applications attached. Remember for installation, we still accept our enrollment census in lieu of individual applications.

AllSavers Motion Bonus

September 16th, 2016 in Broker Broadcast

All Savers Trio Motion device pays Texas members to walk; participating employees & spouses can each earn up to $3 per day, or $1095 per year by meeting set activity goals.  Now it is your turn to get paid!

To help increase participation in this program, All Savers is now offering brokers an incentive to encourage Trio Motion device activation.  Brokers can earn $500 for each group with 10-24 enrolled employees and $1000 for each group with 25+ employees, who have an activation rate for the eligible employees and spouses of at least 50%.

AllSavers Motion Bonus Details

Contact your TIE Sales rep at 972-991-6500 if you have any questions!

AllSavers available for groups down to 5

August 16th, 2016 in Agent Broker Broadcast

AllSavers ASO now available for groups down to 5 employees

AllSavers is now allowing groups down to 5 eligible with a minimum of 5 enrolling. This is going into effect for 10/1/16 and will be available to quote tomorrow, Wednesday, August 17, 2016.

New Extensions

August 15th, 2016 in Agent Broker Broadcast

We have new extensions!  The last four digits our our direct lines are now our extensions.  See below for an updated extension list:

Sarabeth Wynne  x 2601
Kelly Brewer  x 2604
Tisha Chew  x 2605
Violet Salinas  x 2606
Lisa Hernandez  x 2607
John Bievenour  x 2608
Kathleen Bievenour  x 2609
JP Bievenour  x 2610
Stacey Priddy  x 2611
Scott Hughes  x 2613
Tara Cagle  x 2615
Michelle Acevedo  x 2616
Mike Dressel  x 2617
Jayme Sims  x 2618
Amanda Wooldridge  x 2619
Kevin Balkin  x 2620
Joe Sherman  x 2621
Shanna Shuck  x 2622
Paula Johnson  x 2623