administered by unitedhealthcare
TRANSCRIPT
Administered by UnitedHealthcare
• The Oldest & Largest of America’s engineering Associations
• Over 4,500 member firms
ranging from individuals to large corporations
• Over 300,000 Employees
combined
A C E C Life/Health Trust
• The ACEC Life/Health Trust was formed in 1965 to provide aggregate life & health benefit plans to ACEC members
• Currently there is approximately 1500 employer groups with over 70,000 members combined.
• Member firms range from 1-600 employees (average groups size is 28)
• UHC began administering the Trust in August of 2007
• UHC offers Medical, Dental,
Vision, Life & Disability insurance to participants
• Member firms receive a
certificate of coverage
A C E C The American
Council of Engineering Companies
The ACEC Life/Health
Trust
UnitedHealthcare & the ACEC
Life/Health Trust
Introduction
ACEC Life/Health Trust Competitive Advantage
Small employers with common interests may band together to form association health plan. ACEC Life/Health
Trust qualifies as an association health plan as a result of our structure, governance, and common interests
Treated as one large employer for purposes of rating rules. Therefore, not subject to rating restrictions.
The Trust’s unique structure allows engineers to have a voice in how their benefits are administered.
Through the Trust, members receive both product and price flexibility to fit their needs.
Benefits of the ACEC Life/Health Trust to
Member Firms
Product Flexibility
Preferred Price Advantage
Dream Team
Designed Wellness
Compass: Professional Health Services
ACEC Preferred Pricing
2-50 Employees
New Business Medical Discounts
2-50 Eligible Employees: • ACEC quotes will be generated on www.UnitedeServices.com
The ACEC plans and rating model has been loaded into UnitedeServices. This means that by entering the ACEC Franchise Code, all ACEC eligible plans will generate and the ACEC Preferred Pricing will be applied directly to the quoted rates.
• 36 different plan design options • Group can choose up to 2 different plans
Ancillary Discounts
Dental: 10% Discount off UHC Dental Rates Vision: 5% Discount off UHC Vision Rates Life: 30% Discount off UHC Life Rates Disability: 25% Discount off LTD & STD Rates ER Sponsored Dental: 1% Discount off final UHC Medical Rates ER Sponsored Vision: 1% Discount off final UHC Medical Rates ER Sponsored Dental & ER Sponsored Vision: 2% Discount off final UHC Medical Rates
*ACEC Groups are not eligible for package savings
How to Quote a 2-50 ACEC Opportunity on www.UnitedeServices.com
Group’s Address: Even through the Trust is sitused in the State of Illinois, enter the group’s actual address. The franchise code is all that is needed to generate the ACEC available plan designs.
Plans & Rates The ACEC plans and rating model has been loaded into www.UnitedeServices.com By entering the ACEC franchise code, all ACEC eligible plans will generate and the ACEC Preferred Pricing is applied directly to the quoted rates. The only products that will need to be manually discounted are the Short Term Disability and Long Term Disability plans. These rates will need to be manually discounted by the ACEC team.
Enter the ACEC Franchise code on the first UnitedeServices quoting screen (Per Red Arrow)
Type the ACEC franchise code on the first
www.UnitedeServices.com quoting screen:
- Direct Broker Relationship: ACEC Franchise Code: 6550000 - General Agency ACEC Franchise Code: 65500XXX
(XXX= last three digits of GA Franchise Code)
Check “NO” in Medicare Section (Per Red Arrow)
Even if the group has less than 20 employees at their company, by moving to the ACEC
Life/Health Trust, they are a part of a single large employer with 70,000+ members.
• Completed Prime Enrollment Census (no individual applications) • Illinois Large Group Employer Application • Electronic copy of Binder Check: Payable to ACEC Life/Health Trust
• Mail actual Binder Check to: ACEC Life/Health Trust, Dept. CH 14382 5505 N. Cumberland Ave, Suite 307 Chicago, IL 60656-1471
ACEC groups will be installed by our Platinum ACEC Installation team
ACEC Installation Requirements
* Required Fields for all Subscribers & Dependents A. Employee (Subscriber)
Information B. Employer Section
C. Product Selection
* Employee
ID/SSN
* Dependent
ID/SSN
* Relationship * Last Name
* First Name
* Sex * Date of
Birth
Street Address
City State ZIP Hire Date
Coverage Effective Date
COBRA Begin Date
COBRA End Date
Medical Coverage
Medical Plan
(Multi-Choice Only)
New Business Medical Discounts
51-99 Eligible Employees: • 12% medical discount other states (17% in KY & 20% in CA)
100+ Eligible Employees: 5% medical discount ACEC Plan Designs:
• 150 ACEC Plan Options • Group can choose up to 5 plan designs (50% financial spread) • All Discounting is applied to the ACEC Plans
We can move current UHC business to the ACEC Life/Health Trust at their UHC renewal period. Rates should be requested from UHC Renewal Account Executive
Ancillary Discounts
Conversion Groups (Current UHC business moving to the ACEC Life/Health Trust)
ACEC Preferred Pricing
51+ Employees
Dental: 10% Discount off UHC Dental Rates Vision: 5% Discount off UHC Vision Rates Life: 30% Discount off UHC Life Rates Disability: 25% Discount off LTD & STD Rates ER Sponsored Dental: 1% Discount off final UHC Medical Rates ER Sponsored Vision: 1% Discount off final UHC Medical Rates ER Sponsored Dental & ER Sponsored Vision: 2% Discount off final UHC Medical Rates
*ACEC Groups are not eligible for package savings
How to Quote a 51-99 Opportunity
Quoting Groups size 51+ • Brokers should follow the standard quoting process for a UHC 51+ Proposal
• Once we have underwritten rates, the ACEC team will partner with Underwriting to have
the ACEC Discounts applied to the IL Key Account Plans.
Installing Groups size 51+
• All installation documents should be submitted to your local UnitedHealthcare team • Electronic copy of Binder Check: Payable to ACEC Life/Health Trust Mail actual Binder Check to: ACEC Life/Health Trust, Dept. CH 14382
5505 N. Cumberland Ave, Suite 307 Chicago, IL 60656-1471
ACEC Team will work with Platinum ACEC Installation team to see the installation process
through from start to finish
Meet your ACEC Dream Team
When you choose the ACEC Life/Health Trust insured by UnitedHealthcare, you’re aligned with
experts who provide solutions that may lead to healthier employees and lower health care
coverage costs.
Your dedicated account management team is
U.S.-based, with 20+ years of combined engineering industry/ health care coverage experience.
2- 50 Eligible Employees 51+ Eligible Employees
Renewal Account Executives Tiffany Rocha-Landkammer
Laura Wiegert
Strategic Account Executives Deb Goodman Scott Bolens
Account Manager Claims/Eligibility Questions
James Parmeter
Account Managers Tracy Valentine
Jon Babler
Billing Advocate Heather Jacobsen
ACEC Life/Health Trust is proud to announce our partnership with Compass Professional Health Services. The Compass program is now available to Trust members
and their families. We believe that this program will provide significant value to our members by empowering them to get the healthcare they deserve for a fair price.
What is Compass? Compass is a patient-advocacy firm that lowers benefit costs with tools and support for healthcare consumers.
What is Compass’ Value? Compass lowers healthcare costs by up to 10%
How does Compass Lower Costs? Compass lets employers take advantage of the lower prices within their existing network. In-Network prices vary by 300% locally – that means the same CT Scan costs $500 or $1500 depending on where you go.
What makes Compass Unique? Compass has created a proprietary price-transparency software tool based on tens of millions of medical claims. Compass Health Pro patient-advocates then use that tool to give employees cost and quality comparisons for medical services. Compass Health Pros continue to support employees with appointment scheduling, bill review and other concierge services.
To enroll you firm with Compass , please reach out to Lana Oxen at ACEC Life/Health Trust at 214-868-2805 or by email [email protected]
MISSION: Provide member firms with a wellness program that was designed by engineers for engineers. THE WELLNESS PROGRAM WILL: • Address the unique needs of our members • Achieve outstanding health outcomes • Distinguish the Consulting Engineer Industry as
the healthiest in the United States
What is designed wellness? A Comprehensive wellness program created to improve health, wellness and
well-being of our member population. Designed wellness utilizes a secure, HIPAA compliant web portal and offers the following features to participants: Personal Health Assessment, Biometric Screening, Lifestyle Coaching (Telephonic and E-Coaching Classes). Health Trackers, Challenges and Competitions, Educational materials and more!
Who can Participate? Any firm that is currently insured by one of the ACEC Life/Health Trust medical plans is
eligible to participate in the program. ALL of your firm’s employees and spouses can participate and use all of the program and web portal features including employees & spouses not covered by ACEC Life/Health Trust medical insurance plan.
What will it cost my firm? There are no out of pocket costs to participating firms or their employees and
spouses. The Trust pays all participation costs (including biometric screenings) and also funds incentive plans for employees and spouses covered by the Trust medical plan. There are three annual incentive plan options to choose from: $50, $100, and $150. Each plan differs in the number of activities that are required to earn the incentive.
How can my firm benefit from Designed Wellness? Designed Wellness provides you with a unique
opportunity to access a high-quality wellness program that is usually only available to organizations with several hundred employees. Wellness programs are a great added value to any benefits package and can provide you with any or all of these outcomes: improvements in productivity and attendance, improved employee morale, lower turnover rate, improved health status of employees, and reductions in health care costs.
To start Designed Wellness within your firm, please confirm your participation with Lindsay Naso, the Trust Wellness Coordinator, at (708) 257-8332 or by email, [email protected]
• Identify current ACEC members in your market with the online ACEC member directory – www.acec.org
• How to identify if an Engineering Firms is eligible to join ACEC. – A consulting engineering company with Professional Engineers (P.E.)
on staff
• SIC Code 8711 – 8711 SIC code is a good guideline because most engineering firms
are registered with this SIC Code; however, not every 8711 firm will qualify for ACEC membership, nor is it required for membership.
Identifying Opportunities
For assistance with identifying and/or filtering leads contact ACEC Account Executive
Commission
ACEC Life/Health Trust will continue to pay commissions to
agents selling an ACEC Policy.
ACEC Sales work towards UnitedHealthcare Broker Bonus
ACEC Sales work towards your UnitedHealthcare
United Advantage Status (Platinum, Silver & Gold)
We will be using the Illinois producer performance guide as a basis for ACEC Commissions
Brokers and General Agencies
Agent of Record: The Agent/Broker of record process is the same with
UnitedHealthcare as it is with the ACEC Life/Health Trust.
Illinois NON-RESIDENT Insurance License Requirement • All brokers must be appointed in Illinois to receive
commission on ACEC business
How to get a non-resident license in Illinois? Apply Online: https://pdb.nipr.com/nrl/useAgreement.do
Submitting your non-resident license for processing: • Send the following to: [email protected]
• Name & Producer number • Attach Non-Resident insurance license
• The ACEC Life/Health Trustees manage the member groups to a higher BCR rate than the normal UnitedHealthcare book of business. Therefore, ACEC Trustees (volunteer engineers) participate in the setting of the renewal rates.
• The Renewal Rates are calculated based on standard UnitedHealthcare underwriting practices based on the market segment.
• The Renewal rates for ACEC groups are calculated across the entire book of ACEC Life/Health Trust business. The renewal rates are then distributed to the individual group in accordance with the experience of the group and to remain consistent with how they fare outside of the Trust.
ACEC Renewals
From 2007-2013 the ACEC Life/Health Trust has had greater than 93% Retention
UnitedHealthcare ACEC website: • www.uhctogether.com/ACEC
National ACEC website: • www.acec.org
State Speci�c ACEC website: • Google “ACEC + State”
• EX- ACEC Texas
Questions?
Contact the Claremont Insurance Services team of experts at 800.696.4543 or [email protected]
www.claremontcompanies.com.