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UHC COVID-19 At-Home Test Benefit

January 19th, 2022 in Broker Broadcast

Beginning January 15, 2022, UnitedHealthcare Fully Insured and Level Funded individual and group health plan members can get up to eight FDA-authorized or approved OTC COVID-19 at home tests at no cost to them, after reimbursement, and without a doctor’s prescription.

There are two ways that eligible members can receive reimbursement for these COVID-19 at home test kits:

  • Preferred Retailers – The list of Preferred Retailers and their websites may be found in the Preferred Retailer list on uhc.com.
  • Other retailers or online – For purchases of FDA-authorized or approved OTC COVID-19 at home tests at any in-store or online retailer other than at the in-store pharmacy counter, members must submit a receipt for reimbursement via the UnitedHealthcare member portal for a maximum reimbursement of $12 per test. Many COVID-19 tests are sold as a two-pack so that means the test pack would be reimbursed at $24 ($12 for each test).

For more information/details, please see these UHC resources:

New Forms Required

September 3rd, 2021 in Broker Broadcast

UnitedHealthcare has created new enrollment forms for UnitedHealthcare Level Funded plans.  The new enrollment forms will be required for all submitted business beginning with 11/1 effective dates

As a courtesy, we have compiled the forms and created separate enrollment packages for Small and Large group.

AllSavers Name Change

September 3rd, 2021 in Broker Broadcast

UnitedHealthcare AllSavers product name is officially changing to UnitedHealthcare Level Funded.

This name change will take effect beginning with 11/1 effective dates.

All Savers Portfolio Update

June 24th, 2021 in Broker Broadcast

The All Savers portfolio update, effective 9/1/21 is now live. The following are the big talking points:

Prescription Drug Lists

  • Advantage & Essential Prescription Drug List on Standard Select Network
  • Specialty Medication Cost Share (SMCS)

Plan Designs

  • Personal Protect Plan Category 
    • Networks: Choice+/Choice
    • 100% Coinsurance
    • Deductible Levels: $3000, $4000, $5000, $6000, $7000 and $8500
    • Prescription Benefit Option applies: Advantage or Essential
    • 1 – 3% higher premium compared to Traditional PPO/EPO 100% plans
    • No Emergency Room Copay
  • HSA plan with Core Plus Preventive Prescription Drug List

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

2021 All Savers Plan Grid

Why All Savers” Brochure

2021 Texas Producer Performance Guide

April 28th, 2021 in Agent Broker Broadcast

UnitedHealthcare has released the Texas Producer Performance Guide for 2021.  Inside the guide, you will find updated medical base commissions for fully insured groups with up to 50 eligible employees will be effective 7/1/21.  Click the icon below and see page 7 for additional details regarding the change in commissions.

  2021 Texas Producer Performance Guide

For questions or additional details, please reach out to your TIE Sales Representative at 972.991.6500.

COBRA and American Rescue Plan Act and Premium Tax Credits

April 14th, 2021 in Agent Broker Broadcast

American Rescue Plan Act of 2021 (ARPA) includes provision for a COBRA continuation coverage premium subsidy for individuals and families who experienced a loss in coverage due to select circumstances, like involuntary job loss or reduction of hours. 

UnitedHealthcare has released an overview of changes for brokers, the resource can be viewed here.

Please contact Stacey Priddy, TIE Director of Account Management, at 972.404.2611 with any questions.

UnitedHealthcare 1 – 50 Fully Insured Portfolio Updates

March 8th, 2021 in Agent Broker Broadcast

2021 Adjusted Community Rated Plans

  • 4 New Product Grids Across Texas – Simple to Multi-Choice
    • Charter Package (Dallas-Fort Worth, Houston, El Paso, Lubbock)
    • Core/Core Essential Package (TX Panhandle – Amarillo)
    • Nexus Package (CTX – Austin & San Antonio)
    • Core Package (available in remaining areas across TX)
  • Essential Prescription Drug List (PDL) is across all plans and packages

Plan Overview

  • Performance Plans – Top Selling Plans that provide up to 15% savings!
  • New Assured Plans – Premium Designation used in a new way to lower costs PPO/EPO network
  • Primary Advantage Plans – New $70 Specialist copay
  • High Deductible Health Plans (HSA) – All include motion!
  • Pair up our multiple network options (ChoicePlus, Choice, Navigate, Charter, Core, and Core Essential)

Grids

To eliminate delay in processing, please make sure to send all RFP requests directly to our rating department at rfp@insxch.com

UHC 2-50 Fully Insured Portfolio for January 1, 2021 – Available Now!

October 6th, 2020 in Agent Broker Broadcast

UnitedHealthcare’s 2-50 Fully Insured Portfolio for January 1, 2021 is now available to quote.

4 Packages Available Across Texas

Most Popular Plans & Networks Still Offered

  • PROFormance Plans – $10 or $15 PCP copays
  • Primary Advantage – $0 PCP copay for kids & adults (unlimited)
  • Assured Plans – Lower cost option utilizing Premium Designation program for tiered benefits
  • Charter/Navigate – HMO network options that have become a popular base plan option

Included benefits for Fully Insured plans at no additional COST:

  • Unlimited Virtual Visits at $0 for copay plans (Teladoc, AmWell, Doc on Demand)
  • $0 Kids PCP copay (available on all copay plans except Assured)
  • 3 Face to Face EAP Visits
  • Motion included on all High Deductible Health Plans (HSA) – Employees and Spouses can earn up to $1095 annually
  • Real Appeal – 52-week weight loss program with personalized 1‑on‑1 coaching & a Success Kit
  • Quit for Life – Tobacco Cessation program with digital and telephonic tools & resources

2021 PDL – Essential 4-Tier

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)

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