UHC is offering a special enrollment period for their fully insured groups from March 23rd through April 3rd with an April 1st effective date. While UHC is trying to do right by those who may not have elected coverage during open enrollment, employers have the option to choose whether or not they offer this to their employees .
Please see attached document for more information as it also includes a notice that employers can share with their employees.
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UHC COVID-19 Special Enrollment Period
2019 Broker Survival Guide
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.
All Savers 15-Month Rate Guarantee
- 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
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.
Association Health Plans (AHPs) Plans Are Here!!
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.