United Healthcare

Decline And Rate Up Statistics – Interesting But Confusing

by Louise September 12, 2011

[...] Your policy will cost the same amount regardless of whether you use a broker, but an experienced broker will be able to help you make sense of the plan comparison information, including the underwriting statistics. A policy or carrier’s statistical likelihood of declining or rating up any one application isn’t really relevant to each specific client… what is relevant however, is each carrier’s underwriting guidelines for the particular pre-existing condition the applicant has. [...]

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United HealthOne Finally Changes Initial Charge Protocol

by Jay March 23, 2011

Good news for those applying to United HealthOne:
Beginning with applications received on March 24, 2011, the processing of credit card or EFT payment will not take place until the application is approved and issued.
It’s about time. It was tough to explain to clients “and yeah, they’re going to charge you before they’ve even made a decision.”

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United HealthOne Plans Available in Colorado on January 13th

by Jay January 10, 2011

United Health has notified us that they’re ahead of schedule and will have rates, plan descriptions and applications ready by January 13th.  Quotes and applications for United Health medical can be done here.  Quotes and applications for dental and vision can be done here. -Jay

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Consumer Reports Health Insurance Rankings

by Louise December 9, 2010

I recently picked up a copy of the November issue of Consumer Reports, which included a section about health insurance. The article featured an interview with President Obama, and a good overview of how the changes included in the PPACA will impact consumers. In addition, Consumer Reports published a ranking of 227 HMO and POS (point-of-service) plans (you have to subscribe to Consumer Reports Health in order to be able to see the details online), according to data compiled by the National Committee for Quality Assurance (NCQA). [...]

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Maternity Coverage In The Individual Health Insurance Market

by Louise October 15, 2010

The House Committee on Energy and Commerce released a memorandum this week detailing the practices of the four largest private health insurance carriers (Aetna, Humana, UnitedHealth Group and Wellpoint) regarding maternity coverage on individual policies. For anyone who is familiar with the individual health insurance market, the details of the memo will come as no surprise. But since the majority of Americans are covered by group health insurance plans that cover maternity just like any other claim, the details of how maternity coverage works in the individual market may be eye-opening for a lot of people. [...]

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Regulators And Insurers Still Working On Child-Only Coverage Issue

by Louise September 29, 2010

[...] So far, none of the carriers who had backed out of the child-only market have commented on whether the open enrollment periods might make them change their minds, but AHIP (America’s Health Insurance Plans) has said that they are continuing to work with regulators to try to find solutions that would make the child-only market feasible for insurers in the future.

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Quoting Blackout On Most Plans and Effective Dates

by Jay September 17, 2010

Many plans with most carriers still haven’t gotten the rates approved past 9/23. These plans with carriers like Anthem BCBS can still be quoted with effective dates of 9/22 and before.
Carriers like Cigna only have 1st and 15th of the month effective date options. Therefore, rates and plans are not being quoted at all until the DOI approves their rates. Hopefully any moment.
Make sure to subscribe via email or follow us on Facebook for rate approval updates.

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UnitedHealthOne Erroneous Email

by Jay September 14, 2010

Yesterday, September 13th, UnitedHealthOne (Golden Rule) sent out an erroneous email to individual/family clients:

“Thank you for choosing a UnitedHealthOne Insurance plan. Payment is currently past due and your plan may be at risk of lapsing. In order to make a payment over the phone, please contact Client Services at 1-800-657-8205 or your broker [...]”

If you call the client services number given, an automated message will play before the list of options:

“Please note, if you received an email on Monday about your premium, please disregard this as it is an error and we apologize for any inconvenience.”

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Guaranteed Issue Policies For Children Happened Too Quickly

by Louise September 8, 2010

[...] Regardless of the practicalities involved, there’s no doubt that the headlines about insurers ceasing to issue child-only policies is generating some ill will and bad PR for insurance carriers. Either lawmakers knew that would happen, or else they put very little thought into considering the details of how insurers would go about making children’s coverage guaranteed issue a mere six months after the bill was signed into law, and just added the provision as a feel-good part of the bill.

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