Oct 30, 2024
UnitedHealthcare and Oxford Health Plans are pleased to announce the following small business updates for Q1 2025 in Connecticut:
- Simplified fully insured network and product strategy
- 4.5% average rate increase for fully insured Oxford business
- Average employer savings of 17% with level funded products
- Benefits for bundling specialty with medical
Contact your Amwins Connect Regional Sales Manager to learn more about these and other benefits of UnitedHealthcare and Oxford Health Plans options for your clients! Further details are below:
Affordability & Simplicity
- $0 cost share for preferred short- and long-acting insulins, and preferred emergency use medications for in-the-moment critical care
- $0 copay for 24/7 virtual visits for non-HSA plans
- $0 kids copay for primary care visits for non-HSA plans
- Care Cash now embedded into all non-HSA medical plans
Provider Networks: Freedom Network has non-gated PPO plans; Liberty Network has gated HMO plans (Platinum plans are not gated). PCP/Specialist tier has been removed.
New Value Adds:
- Calm Health replacing AbleTo® effective January 1. This mental well-being digital application offers resources for sleep, meditation and mindfulness.
- Wellos Wellness app launches January 1. This engagement-driven health and wellness digital application is designed to help members begin, restart, and continue their health journey.
Level Funded Products
- Broad national pharmacy network, includes CVS and Walgreens
- $0 virtual visits on non-HSA plans only
- New MINERAL™ reporting services available for 2024 tax year (for IRS deadlines occurring in Q1 2025)
- Surest Level Funded plans are coming in Spring 2025.
Bundling Programs
- Activate the Savings program runs through January 2025: $50/dental subscriber, requires 10+ subscribers in dental and an additional specialty line
- Packaged Savings (2-99): specialty savings up to $7 per member per month for dental, vision, life, and disabliity
- uBundle for 51+ employers and now for 5-50 level funded groups as of January 1!
Carrier Exit Incentive: $250 implementation credit per employee on level funded plans, specialty benefit implementations when 2 or more specialty lines are sold
Producer Compensation: Commission on fully insured small groups with 3-50 employees will change to $37 per employee per month. Commissions on groups up to 2 employees remains at $5 per employee per month.
