Archives

Archive for the ‘Broker Broadcast’ Category

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.

11/1 and 12/1 Quoting

August 10th, 2016 in Agent Broker Broadcast

We are now quoting group sizes 2 – 50 for 11/1 & 12/1 effective dates, send your RFPs in today to rfp@insxch.com.

All Saver’s 7/1 PDL changes

April 15th, 2016 in Agent Broker Broadcast

Updates to All Saver’s prescription benefits are coming soon.  Every All Savers group will be impacted by the upcoming PDL changes on 7/1, regardless of renewal date.  Below you will find an overview of the upcoming changes.  If you have any current All Savers groups or are working to enroll an All Savers group, please send them this overview so they are aware of the upcoming changes.  If you have any questions, please feel free to reach out to your TIE representative at 972-991-6500.  7/1 AllSavers 4-tier Advantage PDL Update Flyer

All Savers Rate Cap

March 14th, 2016 in Agent

Groups can take advantage of the All Savers first-year renewal rate cap by encouraging members to participate in the motion benefit.  The renewal price cap is determined by the number of points earned by eligible employees and covered spouses that participate in Hat Trick Motion and meet the daily “FIT” goals.  The more points earned means a lower renewal price cap:

  • 60% -69% of possible points = 9% Renewal Price Cap
  • 70% or more = 7% Renewal Price Cap

Please note that census and plan design changes will affect final renewal pricing.  Also, the employer must enable a private exchange.

For more information, please contact your TIE Sales or Renewal Representative at 972-991-6500.

All Savers Wellness University

March 14th, 2016 in Agent Employer

Want to learn more about All Savers wellness programs?  Be sure to visit the All Savers Wellness University to watch short videos and webinars about Rally, HealthiestYou and Trio Motion. Visit www.AllSaversWellnessUniversity.com today!

All Savers Spreadsheet

March 11th, 2016 in Agent

All Savers has released a new spreadsheet tool to help you compare All Savers accurately to other products.  This spreadsheet includes Motion Credit with the reduced OOP Max, HealthiestYou, telehealth product, reflecting a $0 copay and first year rate guaranty if the group meets 60% of total available motion points as a whole.  If you already have a spreadsheet, please make sure you incorporate the above listed benefits when showing All Savers.  [All Savers Spreadsheet]

Sales Automation Management (SAM)

March 10th, 2016 in Agent Broker Broadcast

UnitedHealthcare has recently launched Sales Automation Management (SAM), a tool that speeds up the case submission process.  SAM is available to brokers through UeS, but The Insurance Exchange will handle this step for you.  No need to worry about hiring and training a new employee for this task…you’ve got us and we’ve got your back!

Transitional Relief Extended

January 26th, 2016 in Agent Broker Broadcast

Groups in the 2 – 50 market will be able to retain their Transitional Relief plan and rates for one more year if they renew on or before Oct. 1, 2016. Please note that transitional relief is only available in certain states. Groups choosing to renew after Oct. 1, 2016 must renew to an ACA compliant plan that includes adjusted community rating.

For November and December 2-50 clients interested in maintaining their Transitional Relief plan for another year, please have them complete the Attestation form to move their renewal date back to Oct. 1, 2016.  We must receive the completed attestation form no later than April 1, 2016 to ensure their renewal is automatically released with the October renewal block.

If you have any questions, please contact your Renewal Account Manager at 972.991.6500.

Updated 2-50 & 51-100 Fully Insured Forms

January 26th, 2016 in Agent Broker Broadcast

New Employer/Employee Forms, and PRIME Enrollment Spreadsheet have been released.  As of Monday, February 1, 2016, UnitedHealthcare will only accept the new forms.  Please discontinue using the previous forms immediately.  There are no exceptions for old forms on sold case submissions after January 29, 2016.

New Forms:

Expanded All Savers Portfolio

July 16th, 2015 in Agent AllSavers Broker Broadcast

The newly expanded All Savers ASO portfolio will be released tomorrow, Friday, July 17th.  You can find the new grid attached below.  All 10/1 or later All Savers quotes will need to be re-quoted.  More information to come, but please do not hesitate to contact your TIE Sales Rep if you have any questions in the meantime.

All Savers ASO Traditional Plan Design Grid

All Savers Employer Website

July 16th, 2015 in Agent AllSavers Broker Broadcast

The All Savers employer website is now available for your groups to view information regarding their medical plan.  Notices with login information have been mailed out to the groups via US Mail.  We have provided you with a sample letter and flyer to better assist you when your group calls with questions.

Employer Portal Sample Letter

Employer Portal Flyer