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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.

TX All Savers Plan Grid 8.2019Download
Why All Savers BrochureDownload

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.

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.

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 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 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!

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:

Last Year All Over Again…

June 24th, 2015 in Agent Broker Broadcast

Are you reminded of the huge rate increases due to Adjusted Community Rating (ACR) and the mad rush to stay on pre-ACR plans when you look at your Small Group 12/1 renewal block?  This year it will happen again, but on a larger scale…eek!  The definition of Small Group changes from 2 -50 to 2 -100 on 1/1/2016.  Are you prepared?  Take a look at some of the differences:

2-50 51-100
Regulated Rates Unregulated Rates
Minimums Lower Lows
Maximums Higher Highs
Guaranteed Renewability   DTQ pre-2014

 

Transitional Policy Relief allows you to renew “as is” outside of adjusted community rating.  Currently, transitional relief for groups in the 51 to 99 market ends 10/1/2016.  Meaning, any 51-99 group sold with an effective date later than 10/1/2015 will be forced on to a new ACR plan upon renewal.  Groups (51-99) with a 10/1/2015 or earlier effective date will be able to renew their plans in 2016 on transitional relief, prolonging the movement to ACR.  Some groups could see as much as 100% rate up when moving to ACR, talk about rate shock!

What is your strategy? If you don’t have a strategy already in place for your 51-100 block, we can help!

Contact your entire 51-100 block:   Talk to your groups about shopping off-cycle (if need be) to take advantage of transitional policy relief.  If you don’t show them all their options while there is still time, another broker will.

Show your clients UnitedHealthcare:  Transitional policy relief may not be available through all carriers; however, it is offered by UnitedHealthcare.  Move groups that are going to benefit from staying on a pre-ACR plan to a 10/1 effective date and lock in 10/1 rates.  Select a multi-choice package with plans that will accommodate the group’s needs for the next 2 years with UnitedHealthcare.  If the group likes their package, they can keep it!  Don’t forget, UnitedHealthcare is offering a renewal rate cap based on paid premium vs. claims and broker bonus programs too!

Not all groups will benefit from transitional policy relief.  Moving to a 1/1/16 effective date on an ACR plan might be a better option for some, but you must act now to weigh your options.

Don’t forget, we can also help with your 51 -100 groups that do not currently have coverage in place, but want to take advantage of pre-ACR plans before the play or pay fines go into effect next year.

Contact us today at 972-991-6500 while there is still an option for your group!

New Small Business Basic Life Requirement

May 28th, 2015 in Agent Broker Broadcast

Small Business customers with 2 to 99 eligible lives  will be required to purchase an employer-paid  basic life plan with a benefit of $25,000 or greater to qualify for the basic life Packaged Savings administrative credit beginning with 8-1 new business and medical renewal dates.

All new business quotes for basic life plans will include a reminder that the life plans less than a $25,000 benefit will not qualify for a basic life Packaged Savings administrative credit.

Beginning 8-1 renewals, all active customers that currently have a basic life plan with less than a $25,000 benefit will be offered a proposal at renewal to increase their basic life plan to a $25,000 benefit.  In order to remain eligible for the basic life Packaged Savings administrative credit, groups must increase their basic life benefit to $25,000.

Please contact your TIE Sales Rep or Renewal Rep for more information at 972-991-6500.

UHC / AllSavers 2015 July PDL Changes

May 28th, 2015 in Agent Broker Broadcast

The updates attached below will take effect for the UnitedHealthcare Prescription Drug Lists (PDLs) on July 1, 2015.  Reminder: All Savers changes occur on the actual PDL change date vs. at renewal like on fully insured. Also, for Alternate Funding members, medications are covered under the member’s plan that are not covered under a fully-insured member’s plan.  The medications covered for Alternate Funding members include: Sedatives/Hypnotics, Non-Sedating Antihistamines, and Erectile Dysfunction medications.

If you are unsure of the plan or PDL that applies to your customer, please contact your TIE Account Manager or Renewal Rep at 972-991-6500.

2015 July PDL Changes Flyer

New Rate Caps Announced

May 28th, 2015 in Agent Broker Broadcast

Good news, UnitedHealthcare will offer Benefit Care Ratio rate cap limits for 51-99 fully insured new business sales for select customers in Texas, starting with July 1 effective dates through Oct. 1, 2015!  This means that depending on current claims, new business customers could be protected from a large, second-year rate increase.

2015 51-99 Texas Rate Cap Flyer

UHC New Business Bonus 51-99

May 15th, 2015 in Agent Broker Broadcast

If you qualified for the Retention Bonus, then you may also qualify for the New Business Bonus too!  Any 51-99 eligible groups sold between 7/1 through 12/31/15 will qualify if at least 100 eligible members are sold and the broker qualified for the retention bonus.  Depending on the total enrolled employees sold, you could get a bonus up to $50,000!  Add employer-sponsored or contributory dental coverage to your eligible new business medical case and you could earn an additional $500!

  • 100 – 149 enrolled employees = $2,000
  • 150 – 199 enrolled employees = $5,000
  • 200 – 249 enrolled employees = $10,000
  • 250 – 299 enrolled employees = $20,000
  • 300 – 349 enrolled employees = $30,000
  • 350 – 399 enrolled employees = $40,000
  • 400 or more enrolled employees = $50,000

See below for bonus qualification and eligibility details:

51 to 99 UHC NEW SALES Broker Bonus Flyer