1 SOCA Health insurance designed specifically for small businesses with eligible employees.
2 UnitedHealthcare and SOCA: Working together to bring health coverage solutions to small businesses. The Southern Ohio Chamber Alliance (SOCA) was established in September It was the first approved health care alliance for small businesses in the state. Starting with just five chambers of commerce, SOCA has grown to over 80 across the state of Ohio. With ongoing support and commitment, SOCA continues to offer value-added benefits, including new and innovative health care products. Join companies from all over the state of Ohio and be part of SOCA s small business health alliance, underwritten by UnitedHealthcare, a recognized leader in health care benefits. UnitedHealthcare and SOCA offer many wellness programs, most of which are included with our medical plans. They are designed to be good for your business and good for your employees. Wellness programs may help improve productivity, decrease absenteeism and help control health care spending over time. Strength in numbers There are many advantages to joining SOCA. By joining with other small businesses, you gain the buying power enjoyed by big businesses, savings on administrative services and more favorable rates on insurance such as: Customized rates on a variety of traditional, Health Savings Account (HSA) and Health Reimbursement Account (HRA) benefit plan designs and multiple pharmacy plans available Dual option plan designs that allow your employees to buy up for additional coverage COBRA, Flexible Spending Account (FSA) and Section 125 support services Six hours of on-site wellness coaching 2
3 Synergy: Combining buying scale, wellness programs, and integration SOCA brings you advantages similar to large organizations. Buying Leverage Buying scale on administration discounts and pooling (insurance). Wellness Best-in-class wellness programs. Integration Care coordination through health risk assessments to help identify and manage chronic conditions. Better information. Better decisions. Better health. As a leader in the health care industry, UnitedHealthcare takes an integrated approach to the health and well-being of your employees. We help identify employees who have, or are at risk for, chronic conditions, and help you develop strategies to manage diseases and save money on health care costs. Dedicated assistance and support Web technology that allows you to manage your employee benefits online, in real time with UnitedHealthcare s Employer eservices UnitedHealthcare member website with access to claims, health plan ID cards, physician directory and other services Care24 services offering a wide range of health care decision support and life event guidance, seven days a week, 24 hours a day Toll-free phone number provides access to registered nurses, master s-level counselors, legal and financial counselors and other community resources Confidential online health risk assessments identify potential health issues for improvement 3
4 Packaged Savings Bundle your benefits for savings and simplicity Buy your medical plan and specialty products together and save. UnitedHealthcare gives you one-stop shopping for your health care benefits. You can combine our innovative, medical plans with comprehensive specialty products Dental, Life, Disability and Vision. When you bundle your benefits, you can expect knowledge and service from a leading specialty carrier plus the simplicity and convenience of just one team to administer your benefits. The savings you realize through Packaged Savings are based upon medical enrollment and the number of active lines of specialty coverage you have with UnitedHealthcare. The more you bundle, the more you save. Packaged Savings means: Bundled UnitedHealthcare medical and specialty products for administrative credit Savings based on medical enrollment and coverages chosen When your group purchases medical and: Receive the following potential savings: Dental $3.00 Vision $2.00 Life 1 $1.00 Short-Term Disability 2 $1.00 Life 1 and Short-Term Disability 2 $2.00 Life 1 and Long-Term Disability 2 $2.00 Dental and Vision $5.00 Dental and Life 1 $4.00 Vision and Life 1 $3.00 Dental, Vision and Life 1 $ Any combination of Life products (i.e., Basic Life, Dependent Life and Supplemental Life) counts as one product for the purpose of the program. 2 Any combination of Disability Products (i.e., Short-Term Disability, Long-Term Disability) counts as one product for the purposes of the program. Long-Term Disability must be bundled in conjunction with Life coverage to qualify for the program and be eligible for credit. Per-employee per-month savings is given as a monthly credit based on the number of enrolled UnitedHealthcare medical subscribers. One account team for all of your benefits needs Streamlined administration State-of-the-art online employer tools Dental, Vision, Life 1 and Short-Term Disability 2 $7.00 Packaged price is available as long as eligible benefits remain in-force. Credits will be withdrawn when any medical or specialty coverages terminate. Program is subject to change at any time. 4
5 Begin Your Journey to Health, Wellness, and Savings The journey to health isn t easy but the rewards can be significant. Powered by data and wellness management, SOCA may help you begin realizing the benefits of a healthy workplace. The Challenge: Unhealthy and Disengaged Employees Unhealthy choices and behaviors may cost employers millions of dollars each year. These include smoking, poor diet, lack of exercise, obesity, diabetes, high blood pressure and stress. Preventable conditions that impact the bottom line may be managed by a workplace wellness plan that strives to improve health and saves you money. You need resources and support to drive and measure active culture change for wellness. The Reward: Creating a Culture of Health Better health may reduce short-term sick leave by up to 32 percent, and increase productivity by up to 52 percent. 1 Healthier employees are usually more productive, miss fewer days of work, and are less likely to develop chronic conditions that lead to higher costs in the future. Employees enlisted to take charge of their own wellness usually stay healthier, and may also help increase workplace productivity, reduce absenteeism and contribute to an engaged culture. The Solution: SOCA SOCA combines strategic planning, measurement, and wellness programs to help deliver results. Through a groundbreaking portfolio of wellness and clinical management programs, health and wellness specialists, and activation support, you may impact the health of your employees, the culture of your workplace and the strength of your bottom line. The ideal organization Healthy, productive employees Low absentee rates and high employee engagement Manageable health care costs The reality Obesity, heart disease, and diabetes is escalating at an epidemic rate The impact on your business Unsustainable health care cost increases 1 U.S. Department of Health and Human Services. Physical activity and health: a report of the Surgeon General. Atlanta, GA: U.S. Department of Health and Human Services, Centers for Disease Control and Prevention, National Center for Chronic Disease Prevention and Health Promotion,
6 Enhance the value of wellness with WellVibe WellVibe is an interactive tool to engage and lead employees through their own personal journey to health and wellness. As the employer, you can choose activities to help your employees develop healthier habits at work and in everyday life. For example, your WellVibe portal can encourage your employees to get their annual physical checkup or bring a brown bag lunch. Through WellVibe, you ll be able to track the completion of different wellness activities. You ll see the impact of wellness programs on your workforce and learn what to offer your employees to help them make a difference in their health. Giving your employees relevant information may help them make more informed decisions that address their specific health needs, which may lead to better health outcomes. 6
7 WellVibe makes health and wellness simple and personal Snapshot reporting capabilities, personal promotion campaigns, HIPAA compliant management, and innovative technology cut health and wellness administration from weeks to minutes. 7 WellVibe has been used by employer groups to drive participation and motivate employees to take their health to the next level. This is accomplished through a unique, personalized experience for each employee. This one-to-one approach saves you administrative costs and may increase productivity.
8 Join the long list of chambers leveraging all the benefits of a SOCA membership Visit to locate a local chamber Together, UnitedHealthcare and SOCA deliver the plans, the buying power and the solutions to help give your fi rm a competitive edge. Take advantage of this alliance and all it has to offer cost-effective health insurance with all of the value-added services that you ve been looking for. For more information, contact a select SOCA Broker, visit joinsoca.com, or contact your UnitedHealthcare representative today. Program terms and conditions 1. The Packaged Savings program and individual specialty products are not available in all states and for all group sizes. Check with your UnitedHealthcare representative for program and product availability. 2. The applied savings is available as long as eligible benefits remain in-force. Credits will be withdrawn when any medical or specialty coverages terminate. Program is subject to change at any time. 3. Per-employee per-month (PEPM) savings is given as a monthly credit based on the number of enrolled UnitedHealthcare medical subscribers. 4. This Packaged Savings program is available to all new and existing medical insurance customers who have 2 to 99 eligible employees with a case effective date of 1/1/08 or later, and who purchase new specialty products through UnitedHealthcare. 5. Contributory dental and vision plan participation must be 75 percent or greater as a percentage of enrolled medical subscribers. 6. Voluntary specialty product plans do not qualify for the Packaged Savings program. 7. Long-Term Disability does not qualify for the Packaged Savings program unless sold with Life. 8. Life insurance plans qualifying for Packaged Savings must completely replace existing life plans or be added to customers with no prior Life coverage; adding an additional life policy to an existing life benefit does not qualify for Packaged Savings. 9. Customers who have existing basic and supplemental life with another carrier must place both the basic and supplemental life policies with UnitedHealthcare to qualify for Packaged Savings when UnitedHealthcare is able to offer similar plan designs and coverage. 10. To qualify for the life insurance credit, all employees enrolling in medical coverage must also be enrolled in life coverage. 11. The following business is currently excluded from the Packaged Savings program: business underwritten or administered by Oxford Health Plans. 12. MAMSI license dental and life do not qualify unless sold with MAMSI license medical. MAMSI discount dental plans do not qualify for the Packaged Savings program. 13. Specialty products can be added off-cycle from the medical product effective date. However if the medical product terminates any remaining Packaged Savings administrative credits will be forfeited. 14. UnitedHealthcare retains sole and complete discretion to revise or terminate the Packaged Savings program at any time. 15. The policies referred to have exclusions, limitations, reductions of benefits and terms under which the policy may be continued in force or discontinued. 16. For costs and complete details of coverage, please contact your UnitedHealthcare representative. Offered only through SOCA Select Agents Special rates available through SOCA UnitedHealthcare Vision coverage provided by or through UnitedHealthcare Insurance Company, located in Hartford, Connecticut, or its affiliates. Administrative services provided by Spectera, Inc., United HealthCare Services, Inc. or their affiliates. UnitedHealthcare Life and Disability products are provided by UnitedHealthcare Insurance Company; and in California by Unimerica Life Insurance Company; and in New York by Unimerica Life Insurance Company of New York. UnitedHealthcare Dental coverage provided by or through UnitedHealthcare Insurance Company, located in Hartford, Connecticut, or its affiliates. Administrative services provided by Dental Benefit Providers, Inc., Dental Benefit Administrative Services (CA only), United HealthCare Services, Inc. or their affiliates. The Care24 program integrates elements of traditional employee assistance and work-life programs with health information lines for a comprehensive set of resources. Program components may not be available in all states or for all groups. Care24 is a registered trademark of UnitedHealth Group, Inc., used by permission. Due to the potential for a conflict of interest, legal consultation will not be provided on issues that may involve legal action against UnitedHealthcare or its affiliates, or any entity through which the caller is receiving UnitedHealthcare services directly or indirectly (e.g. employer or health plan). Care24 may not be available in all states or for all group sizes. Components subject to change. Specialty benefits and programs may not be available in all states or for all group sizes. Components subject to change. The UnitedHealthcare Health Savings Account (HSA) high deductible health plan (HDHP) is designed to comply with IRS requirements so eligible enrollees may open a Health Savings Account with a bank of their choice or through OptumHealth Bank, Member of FDIC. UnitedHealthcare HSA refers generally to the UnitedHealthcare HSA product, which includes a HDHP, although at times UnitedHealthcare HSA may refer only and specifically to the UnitedHealthcare Health Savings Account, provided in conjunction with OptumHealth Bank and not to the associated HDHP. UnitedHealthcare s Health Reimbursement Account, or HRA, combines the flexibility of a medical benefit plan with an employer-funded reimbursement account. Insurance coverage provided by or through UnitedHealthcare Insurance Company and UnitedHealthcare Insurance Company of Ohio or their affiliates. Administrative services provided by United HealthCare Services, Inc. or their affiliates. Health Plan coverage provided by or through UnitedHealthcare of Ohio, Inc United HealthCare Services, Inc. UHCOH
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