, - oxhp · 2010. 10. 13. · gym reimbursement – to help you stay motivated and achieve your...

<Date> <Broker Name>, <Broker Code> <Address 1> <Address 2> <City>, <State> <ZIP> Dear <Broker Name>, We are writing to inform you about communications that we will be sending to your New York small group (2-50) clients who are enrolled in an Oxford product. The communications address changes we are making to our Oxford product offerings and benefit plan designs. These communications will begin in early October for clients with January 2011 renewal dates. New York small group employers will experience changes to member medical cost shares, pharmacy cost shares, and/or the out-of-network reimbursement amount1 depending on their plan type. To ensure that your clients are aware of the changes that impact their group, we have developed customized letters that will be mailed to each impacted Oxford small group employer prior to the employer’s annual renewal notice. To minimize excess paperwork and give you advance notice, we have enclosed here a set of employer letter templates. In addition, we will be sending you a copy of the specific, or customized, letter that we send your client(s). Your copy will be mailed just prior to the client’s copy. Please note that rates within the annual renewal notices will be reflective of the product offering and benefit plan design changes outlined in these communications. Both you and your client can view these changes, as well as alternative options, within our online renewal tool, Idea Management SystemSM (IDEA), at www.oxfordhealth.com, 60 days prior to the client’s renewal date. Below is a summary list of the various New York small group employer communications, broken out by plan type, with a description of the changes that will be identified in each letter.

Letter # Impacted Plans Description of Changes 1 • Freedom Plan® Directsm (including Oxford USA sm)

• Freedom Plan® Metrosm • Freedom Plan® Metro Accesssm (including Oxford USA) • Oxford MyPlansm (Freedom Network)

• Medical cost share changes • Pharmacy cost share changes • Changes to the out-of-network reimbursement amount

2 • Freedom Plan® (including Oxford USA) • Freedom Plan® Selectsm (including Oxford USA)

• Pharmacy cost share changes • Changes to the out-of-network reimbursement amount

3 • Oxford® HSA Directsm (Freedom Network/Oxford USA) • Pharmacy cost share changes • Changes to the out-of-network reimbursement amount

4 • Liberty Plansm Direct • Liberty Plansm Metro • Liberty Plansm Metro Access • Oxford Exclusive Plansm Metro (Freedom Network/ Liberty Network) • Oxford Easesm (Freedom Network/Liberty Network) • Oxford MyPlansm (Liberty Network)

• Medical cost share changes • Pharmacy cost share changes

5 • Liberty Plansm • Liberty Plansm Select

• Pharmacy cost share changes

6 • Liberty HMO • Changes to mail order pharmacy copayment 7 • Oxford®HSA Exclusivesm

(Freedom Network /Liberty Network) • Oxford® HSA Directsm (Liberty Network)

• Pharmacy cost share changes

If you have questions, please contact your Oxford sales representative. We look forward to our continued relationship with you. Sincerely,

William J. Golden CEO, UnitedHealthcare New York 1 Impacts New York small group (2-50) employers enrolled in a plan with either the Freedom Network or Oxford USA Network NY-10-737 NY SG 2-50 Product Changes Broker Cover Letter

http://www.oxfordhealth.com/

NY-10-716 NY SG 2-50 Product Changes Employer Letter # 1

<Date> <BA First Name> <BA Last Name> <Group Name> <Group Code> <Group Address 1> <Group Address 2> <City>, <State> <Zip> Re: Benefit Changes to <1> for <Group Name>, <Group Code>, <CSP Code> Dear <BA First Name> <BA Last Name>, In advance of your upcoming renewal date of <RENEWAL DATE>, we are writing to provide you with information about changes that will be made to your plan. The medical and pharmacy benefit changes outlined below will become effective upon your renewal. Additionally, there will be a change to how out-of-network covered services delivered by non-participating providers are reimbursed; the enclosed “Out-of-Network Reimbursement Amount Employer Overview” document provides more details. Please note that if you offer more than one type of Oxford product1 to your employees you may receive multiple communications regarding plan changes. Medical Cost Share Changes

<1> Benefit Current Upon Renewal

Copayment Primary Care Physician: <2>

Specialist: <3> Primary Care Physician: <18>

Specialist: <19>

In-network Deductible Single: <4> Family: <5>

Single: <20> Family: <21>

Out-of-network Deductible Single: <6> Family: <7>


In-network Coinsurance <8> <24> Out-of-network Coinsurance <9> <25>

In-network Maximum Out-of-pocket



Out-of-network Maximum Out-of-pocket



Emergency Room Copayment <14> <30> Radiology Copayment <15> <31> Inpatient Services <16> <32> Outpatient Services <17> <33>

If no other benefit changes are made at the time of your renewal, we have enclosed a snapshot of the cost share changes your employees may experience. This snapshot, which will help you communicate these changes to your employees, is entitled “Member Overview of Cost Share Changes.” Pharmacy Cost Share Changes

The mail order copayment on all pharmacy plans will be increased to 2.5 times the retail copayment. If you are enrolled in a $10/$25/$50 or $15/$30/$60 pharmacy benefit plan you will be moved to our

$10/$30/$60 option. This option includes a mandatory $100 deductible. o Higher deductible options are available with the $10/$30/$60 pharmacy benefit plan. Please contact your

broker or sales representative for more options.

1 Oxford HMO products are underwritten by Oxford Health Plans (NY), Inc. Oxford insurance products are underwritten by Oxford Health Insurance, Inc.


Out-of-Network Reimbursement Amount Change Reimbursement for out-of-network covered services delivered by non-participating providers will be based on 140% of the published rates allowed by Medicare.2 This change will be made to all New York small group plans with access to the Oxford Freedom and Oxford USAsm networks. Please see the enclosed “Out-of-Network Reimbursement Amount Employer Overview” document for details. Your employees will receive a separate communication regarding the change to the Out-of-Network Reimbursement Amount. Your annual renewal notice, which arrives approximately 60 days prior to your renewal date, will include all renewal rate information. If you have questions about the medical or pharmacy cost share changes listed here, the Out-of-Network Reimbursement Amount, or would like information on other Oxford small group products or plan designs, please contact your broker or sales representative. We value your business and look forward to a continued relationship with you. Sincerely,

William J. Golden CEO, UnitedHealthcare New York Enclosures

2 When a Medicare rate is not available, reimbursement is based upon certain gap methodology, including a gap methodology using relative value data from Ingenix, Inc. We and Ingenix are related companies through common ownership by UnitedHealth Group. When a gap methodology is not available, reimbursement is based upon 50% of the provider’s billed charge.


Member Overview of Cost Share Changes for <Group Name> Effective <Renewal Date>

Below is an overview of cost share changes you may experience upon renewal, depending on your employer’s 2011 plan selection. This grid is intended to be a guide and should not be considered a final plan summary document. You will receive further information regarding your benefits when your employer selects a plan for the upcoming year.




Specialist: <19>













Are you making the most of your health plan? Below are just a few of the health related programs you get at no additional charge with your Oxford plan.

Oxford On-Call® – You can speak with a registered nurse 24 hours a day, seven days a week. These professionals

provide information on a variety of health topics including illness, wellness tips, nutrition, prescriptions and over-the-counter medications, so you can make more informed health care decisions. Live nurse chats are also available online. Call 1-800-201-4911.

Gym Reimbursement – To help you stay motivated and achieve your fitness goals, we provide reimbursement toward fitness center membership fees.1

Healthy Bonus® – Provides you with discounts on health related services such as exercise programs, organic food, or sports equipment.

Health Coach programs at www.oxfordhealth.com – Take a comprehensive health assessment or enroll in one of seven online health coach programs to help you determine, achieve and maintain your personal health goals. You also have access to a wealth of health related resources.

Active Partner® Reminder program – If you have not had a routine preventive exam, such as a women’s health exam, colorectal screenings, adolescent and childhood immunizations, and flu vaccines, within the recommended time frame you will receive reminders. You can also sign up for e-mail reminders online.

Enhanced online physician search tool to help direct you to appropriate care – Identifies area physicians whose services, as represented in the aggregated claims data, meet or exceed nationally developed, objective standards for quality and efficiency of care.

1 Not available to members of all groups.

At UnitedHealthcare, we strive to offer you choice and quality, while helping to control rising health care costs so premiums and renewal rates are manageable. With health care costs continuing to rise, it is important for your employees to seek care from in-network (“participating”) providers to minimize their out-of-pocket costs. Effective January 1, 2011 for re-newals and new business, and upon renewal for all other affected groups, we will be changing the way in which out-of-network covered services are reimbursed for all fully insured New York Oxford products1 with Freedom Network access and out-of-network benefits.2 This change will most likely increase out-of-pocket costs for your employees if they elect to seek services from a non-participating provider. This change will not affect employees’ out-of-pocket costs if the employees use participating providers.

Out-of-Network Reimbursement ChangeYour group’s current Out-of-Network Reimbursement Amount may be based on a usual, customary and reasonable (UCR) fee schedule3 or a Medicare-based reimbursement methodology. In most instances, higher levels of reimbursement were available using these methodologies than what will be available upon your renewal.

Under the amended benefit, we will provide reimbursement for all covered services delivered by non-participating providers based on a percentage of published rates allowed by Medicare. This percentage will be 140% of the standard Medicare rates4

and will be called the “Out-of-Network Reimbursement Amount” in your employee’s benefit plan documents. Examples of how this will change the amount we pay and how your employees’ financial responsibility may differ, are shown on the reverse of this page under “Examples of Your Employees’ Financial Responsibility.”

How this affects your employeesEmployees can continue to see non-participating providers at any time. However, because expenses above the Out-of-Network Reimbursement Amount are the employee’s responsibility, this amended benefit may carry a more significant financial responsibility for out-of-network services. Receiving care from participating providers has always been the most cost-effective option for your employees and, in most instances, the savings will now be even greater.

The best way for your employees to minimize their out-of-pocket costs is to use a Freedom Network provider. We have built an extensive network of more than 83,000 Freedom Network providers5 and 200 Freedom Network facilities in the tri-state Oxford service area6, with more than 48,000 Freedom Network providers5 and 101 Freedom Network facilities in New York alone. We believe that this change will encourage non-participating providers to join the network.

Benefits of the revised Out-of-Network Reimbursement Amount •Helpskeephealthbenefitsaffordableforyouandyouremployeesthroughlowerpremiums

•Encouragesyouremployeestoreceivecarein-networkandminimizeout-of-pocketcosts

•Encouragesproviderstocontractwithussothatyouremployeeshavemorechoicesofparticipatingproviders

1 Oxford HMO products are underwritten by Oxford Health Plans (NY), Inc. Oxford insurance products are underwritten by Oxford Health Insurance, Inc.2 This change applies to all small group (2-50) New York employers enrolled in a Freedom Network or Oxford USA Network plan. This change also applies to all New York large groups (51+) with

access to the Freedom and Oxford USA networks with out-of-network covered services reimbursed based on 150% of the standard Medicare rate.3 The standard, high and very high Usual, Customary and Reasonable (UCR) fee schedules contain the maximum allowable fees and are set using data from Ingenix, Inc., the Centers for Medicare

and Medicaid Services (CMS) and sources recognized by the federal government and insurance industry as a basis for evaluating and establishing fees. Physician fees are generally set using data from the Prevailing Healthcare Charges System (PHCS) database maintained by Ingenix. We use 70th percentile PHCS data for the standard UCR fee schedule, 80th percentile PHCS data for the high UCR fee schedule, and 90th percentile PHCS data for the very-high UCR fee schedule. We and Ingenix are related companies through common ownership by UnitedHealth Group. The fee schedule for physician-administered pharmaceutical products is based upon a percentage of Average Wholesale Price. If a data source is no longer available, we will use a comparable data source to establish fees.


5 Network totals: Network Report, December 2009. This data represents all participating providers except ancillary providers (i.e., laboratories, radiology centers, urgent care centers, etc.) and hospitals. Dental and complementary and alternative medicine providers are included. Providers who are board certified in more than one specialty are counted multiple times. Network participation may change.

6 Tri-state area includes Connecticut, New Jersey and certain New York counties (Ulster and below).

NY-10-723 10544

Out-of-Network Reimbursement Amount Employer Overview

Current Reimbursement Method vs. Reimbursement Method Upon 2011 Renewal

The chart below depicts an approximation of an employee’s financial responsibility7 under the Out-of-Network Reimbursement Amount compared to a plan using your group’s current reimbursement methodology (hereinafter “Fee Schedule”).

In these examples, the employee has an office visit with a non-participating physician and the same employee receives a colonoscopy in a non-participating Ambulatory Surgery Center. It is assumed that the employee’s plan has an out-of-network coinsurance amount of 30% and the employee’s deductible has been met.

In-Network vs. Out-of-Network

This chart illustrates the value of using a Network (“participating”) provider. The chart provides examples of an employee’s financial responsibility7 if the employee were to seek care with a participating provider versus a non-participating provider under the amended out-of-network reimbursement methodology (Out-of-Network Reimbursement Amount).

In these examples, an employee receives services with a primary care physician and the same employee receives a colonoscopy in an Ambulatory Surgery Center. It is assumed that for the services provided by the participating provider, the employee’s plan has a copayment obligation of $25 for an office visit and $250 for the colonoscopy and, for the out-of-network services, the employee has an out-of-network coinsurance amount of 30%, and the deductible has been met.

Example 1: Out-of-Network Standard Office Visit

Example 2: Out-of-Network Colonoscopy (in Ambulatory Surgery Center)

Previous Fee Schedule

New Out-of-Network Reimbursement Amount

Previous Fee ScheduleNew Out-of-Network

Reimbursement Amount

A. Amount billed by non-participating provider $170 $170 $4,000 $4,000

B. Maximum reimbursement amount available under health benefit plan (including employee cost share)

$150 $100 $2,600 $900

C. Amount we pay (70% as an example) $105 (70% of $150)

$70 (70% of $100)

$1,820 (70% of $2,600)

$630 (70% of $900)

D. Employee out-of-network coinsurance (30% as an example)

$45 (30% of $150)

$30 (30% of $100)

$780 (30% of $2,600)

$270 (30% of $900)

E. Employee responsibility for difference between (A) provider’s billed charge and (B) amount available under health benefit plan8

$208 (A minus B)

$708

(A minus B)$1,4008

(A minus B)$3,1008

(A minus B)

Total employee financial responsibility $65 (D plus E) $100 (D plus E) $2,180 (D plus E) $3,370 (D plus E)

Example 1: Standard Office Visit

Example 2: Colonoscopy (in Ambulatory Surgery Center)

In-Network Fee Schedule




A. Amount billed by provider $170 $170 $4,000 $4,000

B. Maximum amount available under health benefits plan (including employee cost share)

Contracted rate $100 Contracted rate $900

C. Amount we pay (70% as an example)Contracted rate

$70 (70% of $100)

Contracted rate$630

(70% of $900)

D. Network copayment/employee out-of-network coinsurance

$25$30

(30% of $100)$250

$270 (30% of $900)

E. Employee responsibility for difference between (A) provider’s billed charge and (B) amount allowed under health benefit plan8

$0$708

(A minus B)$0

$3,1008 (A minus B)

Total employee financial responsibility $25 (copayment) $100 (D plus E) $250 (copayment) $3,370 (D plus E)

7 These examples represent average billed charges and reimbursement levels for these service categories. They are not intended to be an exact calculation of claim payment and individual financial responsibility that may result from the services a member receives. The amounts will vary depending on the actual services the member receives, the member’s specific benefit plan copayment and/or coinsurance design, changes to Medicare reimbursement methodology, and by the provider’s location and place of service. We encourage members to get more information on potential physician and facility charges.

8 This amount does not apply to the out-of-pocket maximum.

Examples of Your Employees’ Financial Responsibility


<Date> <BA First Name> <BA Last Name> <Group Name> <Group Code> <Group Address 1> <Group Address 2> <City>, <State> <Zip> Re: Benefit Changes to <1> for <Group Name>, <Group Code>, <CSP Code> Dear <BA First Name> <BA Last Name>, In advance of your upcoming renewal date of <RENEWAL DATE>, we are writing to provide you with information about changes that will be made to your plan. The pharmacy changes outlined below will become effective upon your renewal. Additionally, there will be a change to how out-of-network covered services delivered by non-participating providers are reimbursed; the enclosed “Out-of-Network Reimbursement Amount Employer Overview” document provides more details. Please note, if you offer more than one type of Oxford product1 to your employees, you may receive multiple communications regarding plan changes. Pharmacy Cost Share Changes



broker or sales representative for more options.

Out-of-Network Reimbursement Amount Change Reimbursement for out-of-network covered services delivered by non-participating providers will be based on 140% of the published rates allowed by Medicare.2 This change will be made to all New York small group plans with access to the Oxford Freedom and Oxford USAsm networks. Please see the enclosed “Out-of-Network Reimbursement Amount Employer Overview” document for details. Your employees will receive a separate communication regarding the change to the Out-of-Network Reimbursement Amount. Your annual renewal notice, which arrives approximately 60 days prior to your renewal date, will include all renewal rate information. If you have questions about the pharmacy cost share changes listed here, or about the Out-of-Network Reimbursement Amount, please contact your broker or sales representative. We value your business and look forward to a continued relationship with you. Sincerely,

William J. Golden CEO, UnitedHealthcare New York Enclosure 1 Oxford HMO products are underwritten by Oxford Health Plans (NY), Inc. Oxford insurance products are underwritten by Oxford Health Insurance, Inc. 2 When a Medicare rate is not available, reimbursement is based upon certain gap methodology, including a gap methodology using relative value data from Ingenix, Inc. We and Ingenix are related companies through common ownership by UnitedHealth Group. When a gap methodology is not available, reimbursement is based upon 50% of the provider’s billed charge.
















NY-10-723 10544
















$150 $100 $2,600 $900


$70 (70% of $100)

$1,820 (70% of $2,600)

$630 (70% of $900)


$45 (30% of $150)

$30 (30% of $100)

$780 (30% of $2,600)

$270 (30% of $900)


$208 (A minus B)

$708

(A minus B)$1,4008

(A minus B)$3,1008

(A minus B)












$70 (70% of $100)

Contracted rate$630

(70% of $900)


$25$30

(30% of $100)$250

$270 (30% of $900)


$0$708

(A minus B)$0

$3,1008 (A minus B)






<Date> <BA First Name> <BA Last Name> <Group Name> <Group Code> <Group Address 1> <Group Address 2> <City>, <State> <Zip> Re: Benefit Changes to <1> for <Group Name>, <Group Code>, <CSP Code> Dear <BA First Name> <BA Last Name>, In advance of your upcoming renewal date of <RENEWAL DATE>, we are writing to provide you with information about changes that will be made to your plan. The pharmacy changes outlined below will become effective upon your renewal. Additionally, there will be a change to how out-of-network covered services delivered by non-participating providers are reimbursed; the enclosed “Out-of-Network Reimbursement Amount Employer Overview” document provides more details. Please note, if you offer more than one type of Oxford product1 to your employees, you may receive multiple communications regarding plan changes. Pharmacy Cost Share Changes

The mail order copayment on all pharmacy plans will be increased to 2.5 times the retail copayment. If you are enrolled in a $10/$25/$50 pharmacy benefit plan you will be moved to our $10/$30/$60 option.

Out-of-Network Reimbursement Amount Change Reimbursement for out-of-network covered services delivered by non-participating providers will be based on 140% of the published rates allowed by Medicare.2 This change will be made to all New York small group plans with access to the Oxford Freedom and Oxford USAsm networks. Please see the enclosed “Out-of-Network Reimbursement Amount Employer Overview” document for details. Your employees will receive a separate communication regarding the change to the Out-of-Network Reimbursement Amount. Your annual renewal notice, which arrives approximately 60 days prior to your renewal date, will include all renewal rate information. If you have questions about the pharmacy cost share changes listed here, or about the Out-of-Network Reimbursement Amount, please contact your broker or sales representative. We value your business and look forward to a continued relationship with you. Sincerely,

William J. Golden CEO, UnitedHealthcare New York Enclosure

1 Oxford HMO products are underwritten by Oxford Health Plans (NY), Inc. Oxford insurance products are underwritten by Oxford Health Insurance, Inc. 2 When a Medicare rate is not available, reimbursement is based upon certain gap methodology, including a gap methodology using relative value data from Ingenix, Inc. We and Ingenix are related companies through common ownership by UnitedHealth Group. When a gap methodology is not available, reimbursement is based upon 50% of the provider’s billed charge.
















NY-10-723 10544
















$150 $100 $2,600 $900


$70 (70% of $100)

$1,820 (70% of $2,600)

$630 (70% of $900)


$45 (30% of $150)

$30 (30% of $100)

$780 (30% of $2,600)

$270 (30% of $900)


$208 (A minus B)

$708

(A minus B)$1,4008

(A minus B)$3,1008

(A minus B)












$70 (70% of $100)

Contracted rate$630

(70% of $900)


$25$30

(30% of $100)$250

$270 (30% of $900)


$0$708

(A minus B)$0

$3,1008 (A minus B)






<Date> <BA First Name> <BA Last Name> <Group Name> <Group Code> <Group Address 1> <Group Address 2> <City>, <State> <Zip> Re: Benefit Changes to <1> for <Group Name>, <Group Code>, <CSP Code> Dear <BA First Name> <BA Last Name>,

In advance of your upcoming renewal date of <RENEWAL DATE>, we are writing to provide you with information about changes that will be made to your plan. These changes, which are outlined below, will become effective upon your renewal and will affect your employees’ medical and pharmacy cost shares. Please note, if you offer more than one type of Oxford product1 to your employees you may receive multiple communications regarding plan changes.

Medical Cost Share Changes




Specialist: <19>













If no other benefit changes are made at the time of your renewal, we have enclosed a snapshot of the cost share changes your employees may experience. This snapshot, which will help you communicate these changes to your employees, is entitled “Member Overview of Cost Share Changes.”



Pharmacy Cost Share Changes


$10/$30/$60 option. This option includes a mandatory $100 deductible. o Higher deductible options are available with the $10/$30/$60 pharmacy benefit plan. Please contact

your broker or sales representative for more options.

Your annual renewal notice, which arrives approximately 60 days prior to your renewal date, will include all renewal rate information. If you have questions about the medical or pharmacy changes listed here, or would like information on other Oxford small group products or plan designs, please contact your sales representative. We value your business and look forward to a continued relationship with you.

Sincerely,

William J. Golden CEO, UnitedHealthcare New York Enclosure


Member Overview of Cost Share Changes for <Group Name>

Effective <Renewal Date> Below is an overview of cost share changes you may experience upon renewal, depending on your employer’s 2011 plan selection. This grid is intended to be a guide and should not be considered a final plan summary document. You will receive further information regarding your benefits when your employer selects a plan for the upcoming year.




Specialist: <19>









Out-of-Network Maximum Out-of-pocket




Are you making the most of your health plan? Below are just a few of the health related programs you get at no additional charge with your Oxford plan. Oxford On-Call® – You can speak with a registered nurse 24 hours a day, seven days a week. These

professionals provide information on a variety of health topics including illness, wellness tips, nutrition, prescriptions and over-the-counter medications, so you can make more informed health care decisions. Live nurse chats are also available online. Call 1-800-201-4911.

Gym Reimbursement – To help you stay motivated and achieve your fitness goals, we provide reimbursement toward fitness center membership fees.1

Healthy Bonus® – Provides you with discounts on health related services such as exercise programs, organic food, or sports equipment.

Health Coach programs at www.oxfordhealth.com – Take a comprehensive health assessment or enroll in one of seven online health coach programs to help you determine, achieve and maintain your personal health goals. You also have access to a wealth of health related resources.

Active Partner® Reminder program – If you have not had a routine preventive exam, such as a women’s health exam, colorectal screenings, adolescent and childhood immunizations, and flu vaccines, within the recommended time frame you will receive reminders. You can also sign up for e-mail reminders online.

Enhanced online physician search tool to help direct you to appropriate care – Identifies area physicians whose services, as represented in the aggregated claims data, meet or exceed nationally developed, objective standards for quality and efficiency of care.

1 Not available to members of all groups.


<Date> <BA First Name> <BA Last Name> <Group Name> <Group Code> <Group Address 1> <Group Address 2> <City>, <State> <Zip> Re: Benefit Changes to <1> for <Group Name>, <Group Code>, <CSP Code> Dear <BA First Name> <BA Last Name>, In advance of your upcoming renewal date of <RENEWAL DATE>, we are writing to provide you with information about changes that will be made to your pharmacy plan. The changes outlined below will become effective upon your renewal. Please note, if you offer more than one Oxford product1 to your employees, you may receive multiple communications regarding plan changes. What is changing? You will experience some changes to your pharmacy benefits that will impact your employees’ cost share amounts.



broker or sales representative for more options. Your annual renewal notice, which arrives approximately 60 days prior to your renewal date, will include all renewal rate information. If you have questions about the changes listed here, please contact your broker or sales representative. We value your business and look forward to a continued relationship with you. Sincerely,

William J. Golden CEO, UnitedHealthcare New York



<Date> <BA First Name> <BA Last Name> <Group Name> <Group Code> <Group Address 1> <Group Address 2> <City>, <State> <Zip> Re: Benefit Changes to <1> for <Group Name>, <Group Code>, <CSP Code> Dear <BA First Name> <BA Last Name>, In advance of your upcoming renewal date of <RENEWAL DATE>, we are writing to provide you with information about a change that will be made to your pharmacy plan. The change outlined below will become effective upon your renewal. Please note, if you offer more than one type of Oxford product1 to your employees, you may receive multiple communications regarding plan changes. What is changing? The mail order copayment on your current plan will increase from 2.0 to 2.5 times the retail copayment. Your annual renewal notice, which arrives approximately 60 days prior to your renewal date, will include all renewal rate information. If you have questions about the change listed here, please contact your broker or sales representative. We value your business and look forward to a continued relationship with you. Sincerely,




<Date> <BA First Name> <BA Last Name> <Group Name> <Group Code> <Group Address 1> <Group Address 2> <City>, <State> <Zip> Re: Benefit Changes to <1> for <Group Name>, <Group Code>, <CSP Code> Dear <BA First Name> <BA Last Name>, In advance of your upcoming renewal date of <RENEWAL DATE>, we are writing to provide you with information about changes that will be made to your pharmacy plan. The changes outlined below will become effective upon your renewal. Please note, if you offer more than one type of Oxford product1 to your employees, you may receive multiple communications regarding plan changes. What is changing? You will experience some changes to your pharmacy benefits that will impact your employees’ cost share amounts.

The mail order copayment on all pharmacy plans will be increased to 2.5 times the retail copayment.

If you are enrolled in the $10/$25/$50 pharmacy benefit plan you will be moved to our $10/$30/$60 option.

Your annual renewal notice, which arrives approximately 60 days prior to your renewal date, will include all renewal rate information. If you have questions about the changes listed here, please contact your broker or sales representative. We value your business and look forward to a continued relationship with you. Sincerely,



, - oxhp · 2010. 10. 13. · gym reimbursement – to help you stay motivated and achieve your...

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