Presentations text content in Administered by UnitedHealthcare
Slide1
Administered by UnitedHealthcare
Slide2The Oldest & Largest of America’s engineering Associations
Over 5,100 member firms ranging from individuals to large corporations
Over 500,000 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 1800 employer groups with over 75,000 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
Slide3ACEC 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
T
reated 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.
Slide4Benefits of the ACEC Life/Health Trust to Member Firms
Product Flexibility
Preferred Price Advantage
Dream Team
Designed Wellness
Compass:
Professional Health Services
Slide5ACEC Preferred Pricing
2-50
Employees
New Business
Medical Discounts
2-50 Eligible Employees:
The ACEC Life/Health Trust is seen as a single large employer; therefore, rates all firms as though they are a 100+ size group
36 different plan design optionsCan 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
Employer Sponsored Dental:
1% Discount off final UHC
Medical
Rates
Employer Sponsored
Vision:
1% Discount off final UHC
Medical
Rates
Employer Sponsored
Dental & Vision
:
2%
Discount off final UHC
Medical
Rates
*ACEC Groups are not eligible for package savings
We can move current UHC business to the ACEC Life/Health Trust at their UHC renewal period.
*You can request ACEC rates from your insurance broker
Firms that are Currently with UnitedHealthcare
Slide6New Business
Medical Discounts
51-99
Eligible Employees:
12% medical discount other states (17% in KY & 20% in CA)100+ Eligible Employees:
5% medical discountACEC Plan Designs:
150 ACEC Plan OptionsGroup 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.
*You can request ACEC rates from your insurance broker
Ancillary Discounts
Firms that are Currently with UnitedHealthcare
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
Employer Sponsored Dental:
1% Discount off final UHC
Medical
Rates
Employer Sponsored Vision:
1% Discount off final UHC
Medical
Rates
Employer Sponsored Dental & Vision:
2% Discount off final UHC
Medical
Rates
*ACEC Groups are not eligible for package savings
Slide7Meet your ACEC Dream Team
When you choose the ACEC Life/Health Trust
insured by UnitedHealthcare, you’re aligned withexperts who provide solutions that may leadto healthier employees and lower health carecoverage costs.
Your dedicated account management team isU.S.-based, with 20+ years ofcombined engineering industry/health care coverage experience.
2- 50 Eligible Employees
51+ Eligible EmployeesRenewal Account ExecutivesLaura Wiegert
Tiffany Rocha-LandkammerStrategic Account ExecutivesDeb Goodman
Scott BolensAccount ManagerClaims/Eligibility Questions
James Parmeter
Account Managers
Tracy Valentine
Jon Babler
Billing Advocate
Heather Jacobsen
Slide8ACEC 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.
Slide9What 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.
Slide10MISSION:
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 outcomesDistinguish the Consulting Engineer Industry as the healthiest in the United States
Slide11What 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,
Lindsay@aceclifehealthtrust.com
Slide12The 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
Slide13Please feel free to reach out with any questions:
Kaley Krause - Kaley_Krause@uhc.com 952-912-6784
States assigned to Kaley: AL, CT, DC, DE, FL, GA, IL, IN, KY, LA, MA, MD, ME, MI, MS, NC, NH, NY, OH, PA, RI, SC, TX, VA, VT, WI, WV John Krebsbach – John_Krebsbach@uhc.com
952-912-6785 States assigned to John: AK, AR, AZ, CA, CO, HI, IA, ID, KS, MN, MO,
MT, ND, NE, NM, NV, OK, OR, SD, TN, UT, WA, WY
Administered by UnitedHealthcare
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