Transcript portals.gesd40.org

July 1, 2010 – June 30, 2011
Benefit Overview
Annual Open Enrollment
 The Glendale open enrollment period for the 2010/2011
employee benefit plan year will begin May 1, 2010 and
conclude on May 21, 2010. Open enrollment meetings will
start on April 19, 2010.
 Open enrollment changes will be effective July 1, 2010.
 This is your once a year opportunity to add, drop or change
existing coverage.
 Next opportunity to make a change without a qualifying event
will be May 2011 for a July 1, 2011 effective date.
Agenda
 Glendale Online Enrollment System
 Medical Presentation
 July 1, 2010 Renewal Summary
 Glendale Employee Benefit Website
Glendale Online Enrollment System
© 2008 UnitedHealthcare
To Access the
Glendale Online Enrollment System
1.
2.
3.
4.
5.
Go to GESD homepage
Click on Human Resources
Select iVisions
Log-in
Go to Employee Resources, from drop-down
menu select Benefits Enrollment.
© 2008 UnitedHealthcare
Glendale Online Enrollment System
© 2008 UnitedHealthcare
Glendale Online Enrollment System
© 2008 UnitedHealthcare
Glendale Online Enrollment System
© 2008 UnitedHealthcare
Medical
© 2008 UnitedHealthcare
What We Will Cover Today
Medical Plan Options
• Choice Plus Plan 003
• Choice Plus Plan 104
• HSA $2,500 (new for 2010)
UHC Tools and Resources
© 2008 UnitedHealthcare
Three key issues experts agree on
1. People are removed from the true cost of
health care
2. Health care costs are skyrocketing
3. There’s a need to save for future health care
costs
Solution…
© 2008 UnitedHealthcare
A High Deductible Health Plan with
a Health Savings Account provides
you:
• More choices
• More control
• Dedicated support to help you
 Lower your costs
 Improve your health
 Save for the future
Confidential property of UnitedHealth Group. Do not distribute or reproduce without the express permission of UnitedHealth Group.
12
What this means for you
• Introduction of a new medical plan that will give
you the opportunity to save
• You’ll have consumer tools to assist you in
evaluating the true cost of health care
• Focus on wellness and prevention of illness
• District funded savings account to help you pay for
higher deductibles
• Lower family premiums
Confidential property of UnitedHealth Group. Do not distribute or reproduce without the express permission of UnitedHealth Group.
13
Preventive care can be the key to
better health
• Preventive care is covered 100 percent
• Regular preventive care helps
– Reduce risk of disease
– Detect health problems early
– Protect you from higher costs down the road
– Save your life
• No copayments for doctor visits – take advantage
• Covers immunizations recommended by the Advisory
Committee on Immunization Practices (ACIP) of the Centers
for Disease Control and Prevention (CDC)
Confidential property of UnitedHealth Group. Do not distribute or reproduce without the express permission of UnitedHealth Group.
14
Preventive care services include:
Adults
Children
• Annual routine office visit and exam
• Well child visits appropriate to age
• Immunizations appropriate to age
• Developmental screening appropriate to
age
• Annual influenza vaccination (flu shot)
• H1N1 flu vaccination
• Cholesterol screening
• Annual mammogram, every 1-2 years
beginning at age 40, for normal risk
populations
• Immunizations appropriate to age
• H1N1 flu vaccination
• Lead-level testing, where applicable
• Annual Pap smear and pelvic exam, every
1-3 years, beginning at age 18
• Colorectal cancer screening beginning at
age 50, for normal risk populations
UnitedHealthcare has adopted preventive care guidelines based on the recommendations of the U.S.
Preventive Services Task Force (USPSTF). Listing of services are only summaries. For complete
guidelines, visit www.cdc.gov/hip
Confidential property of UnitedHealth Group. Do not distribute or reproduce without the express permission of UnitedHealth Group.
15
Preventive care vs diagnostic
Preventive care: screenings on persons without symptoms for early
identification of problems when they are easiest to treat.
Examples of preventive care
Examples of diagnostic care
• Mammogram – annually for
women starting at age 40 for
normal risk populations
• Colonoscopy – every 10 years
starting at age 50 for normal risk
populations
• Immunizations appropriate to age
• Breast biopsy to identify
abnormality on a mammogram
• Colonoscopy and biopsy in a
person with unexplained bleeding
• Examination and biopsy following
consecutive abnormal Pap smears
• Pap smear – once annually for
women who are 18 years of age or
older
UnitedHealthcare has adopted preventive care guidelines based on the recommendations of the U.S.
Preventive Services Task Force (USPSTF). Listing of services are only summaries. For complete
guidelines, visit www.cdc.gov/hip
Confidential property of UnitedHealth Group. Do not distribute or reproduce without the express permission of UnitedHealth Group.
16
Health Savings Account (HSA)
$2,500 Plan
Confidential property of UnitedHealth Group. Do not distribute or reproduce without the express permission of UnitedHealth Group.
17
HSA plan
topics we will cover
About the HSA plan
How it works
Examples of how it works
SM
OptumHealth Bank
Free information and advice
Ways to learn more
Confidential property of UnitedHealth Group. Do not distribute or reproduce without the express permission of UnitedHealth Group.
18
HSA Plan Components
Medical Plan
United HealthCare
• Network and non-network coverage
• Annual deductible
• Protection from high out-of-pocket costs
•100 percent preventive care
• No copayments
Health Savings
Account
Optum Health Bank
• Your personal bank account
• Take it with you if you leave your job
• Triple-tax benefits
• Use it for medical & pharmacy bills
• No “use it or lose it” rule
Confidential property of UnitedHealth Group. Do not distribute or reproduce without the express permission of UnitedHealth Group.
19
About the HSA Plans
Out-of-pocket maximum
• Protects you from
high costs
• Gives you peace of mind
Tools and resources
• Available via telephone or Web
• Health coaches
• Cost/Quality comparisons
Medical plan pays
(coinsurance)
HSA
With an HSA you can:
• Deposit dollars
• Grow your savings
• Save on taxes
• Pay for health care
now or later
Annual
Deductible
Preventive Care
Health
Coverage
• Must be satisfied before
health coverage begins
• Preventive care not subject
to deductible
•Preventive care
covered 100 percent
by your employer
Confidential property of UnitedHealth Group. Do not distribute or reproduce without the express permission of UnitedHealth Group.
20
About the HSA $2,500 Plan
Employee + 1
or more
Employee Only
Health Coverage
Plan pays 80%
$4,500 Out-of-Pocket
maximum
Health Coverage
Plan pays 80%
$9,000 Out-of-Pocket
maximum
$3,050
District
Contribution
$2,000
Annual
Deductible
$2,500
$6,150
Annual
Deductible
$5,000
District
Contribution
$2,000
Preventive Care: 100%
Max HSA
contribution
Preventive Care: 100%
Max HSA
Contribution:
Confidential property of UnitedHealth Group. Do not distribute or reproduce without the express permission of UnitedHealth Group.
21
HSA Pharmacy Benefits – Members are
subject to their Medical/Pharmacy deductible
before copay’s apply. Medications listed on
Preventative Drug List are subject to copays.
Tier 1
Tier 2
Tier 3
Retail
Mail order
$10 Copayment
31-Day Supply
$25 Copayment
90-Day Supply
$30 Copayment
31-Day Supply
$50 Copayment
31-Day Supply
$75 Copayment
90-Day Supply
$125 Copayment
90-Day Supply
Confidential property of UnitedHealth Group. Do not distribute or reproduce without the express permission of UnitedHealth Group.
22
To open and contribute to an
HSA you must:
• Be covered by high-deductible health plan (HDHP)
• Not covered by other non-HDHP health insurance
• Not enrolled in Medicare or TRICARE
• Not eligible to be claimed as a dependent on another
person’s tax return
Confidential property of UnitedHealth Group. Do not distribute or reproduce without the express permission of UnitedHealth Group.
23
HSA key points
• Triple tax advantage
• Pay for health care expenses now or save it for future
• No minimum contribution; start or stop any time
• May earn interest
• Investment options for long-term growth
• Keep all receipts in case of audit
• For more details, go to myuhc.com
Investments are not FDIC insured, are not guaranteed by the bank and
may lose value.
Confidential property of UnitedHealth Group. Do not distribute or reproduce without the express permission of UnitedHealth Group.
24
Contributing to the HSA
• The District will contribute $2,000 to your HSA account for the
7/1/10 plan year!!!
• For 2010, you and/or your employer can contribute up to the
IRS maximum of:
– $3,050 (single)
– $6,150 (family)
• Age 55 and older, “catch-up” contributions of $1,000
• Contributions may be made via:
– Payroll deduction (if allowed – and it’s pre-tax)
– Direct to OptumHealth Bank by check or on myuhc.com
Confidential property of UnitedHealth Group. Do not distribute or reproduce without the express permission of UnitedHealth Group.
25
How it works – Christopher
His reasons for selecting the HSA $2,500 were:
• Opportunity to save on taxes and save for future
health care expenses
• Preventive care and preventive medications covered
100 percent
Annual deductible:
District funds HSA:
Maximum HSA contribution:
$2,500
$2,000
$3,050
Health coverage (network):
Out-of-pocket maximum:
20 percent
$4,500
Confidential property of UnitedHealth Group. Do not distribute or reproduce without the express permission of UnitedHealth Group.
26
Christopher – Year One
HSA $2,500 Plan
HSA pays
$275
$2,500
$275
$250
HSA
Remains
$2,500
HSA
in HSA
$2,225
Annual
Deductible
Preventive Care: 100%
Health Coverage
20% coinsurance
$4,500 out-of-pocket max
Chris funds his HSA
$
500
District funds HSA
$
2,000
Preventive care
$
250
Non-preventive
1 Urgent Care visit
2 Prescriptions
$
$
200
75
275
HSA pays
$
275
Member pays
$
0
Remains in HSA
for Year Two
$
2,225
Note: Assumes all network care – different coinsurance levels on non-network care apply.
Confidential property of UnitedHealth Group. Do not distribute or reproduce without the express permission of UnitedHealth Group.
27
Christopher – Year Two
HSA $2,500 Plan
HSA pays
$575
Annual
Deductible
$
2,225
Chris Funds his HSA
$
500
District Funds HSA
$
2,000
Total
$
4,725
Preventive care
$
275
Non-preventive
3 Physician Visits
4 Prescriptions
$
$
350
225
575
HSA pays
$
575
Member pays
$
0
Remains in HSA
for Year Three
$
4,150
$2,500
$575
$275
HSA
Remains
$4,725
inHSA
HSA
$4,150
Preventive Care: 100%
Health Coverage
80% coinsurance
$4,500 out-of-pocket max
HSA funds from year 1
Note: Assumes all network care – different coinsurance levels on non-network care apply.
Confidential property of UnitedHealth Group. Do not distribute or reproduce without the express permission of UnitedHealth Group.
28
How it works – Jane
Her reasons for selecting the HSA $2,500 Plan were:
• No upfront cost for preventive care visits
• Free preventive medications, list of 2010 Core List of
Preventive Medications
Annual deductible:
District funds HSA:
Maximum HSA contribution:
$2,500
$2,000
$3,050
Health coverage (network):
Out-of-pocket maximum:
20 percent
$4,500
Confidential property of UnitedHealth Group. Do not distribute or reproduce without the express permission of UnitedHealth Group.
29
Jane – Year One
HSA $2,500 Plan
$2,000
Coinsurance
$32,500
Preventive Care: 100%
$2,500
$1,500
deductible paid
by HSA
$250
Health Coverage
80% coinsurance
$4,500 out-of-pocket max
$28,000 paid by
Health Plan
Annual
Deductible
HSA
$0
$2,500
Note: Assumes all network care – different coinsurance levels on non-network care
apply.
Jane Funds her HSA
$
500
District Funds HSA
$
2,000
Preventive Care
$
250
$
$
2,250
28,050
700
1,500
32,500
HSA Pays Deductible
$
2,500
Remaining Amount:
Coinsurance @ 20%
But out of pocket is:
$
$
$
30,000
6,000
4,500
So Jane pays:
Health Plan pays:
$
2,500
30,000
Non-Preventive
1 ER Visit
Hospitalization
4 Physician’s visits
11 Prescriptions
So only $2,500 comes out of Jane’s
pocket on a $32,500 bill.
Confidential property of UnitedHealth Group. Do not distribute or reproduce without the express permission of UnitedHealth Group.
30
The HSA payment process
11
Present ID card
to doctor.
2
Doctor sends
claim to
UnitedHealthcare
33a
If you owe
payment as part
of your
deductible, your
provider will bill
3b
you the
discounted
If you have
amounts
for the
satisfied your
services
deductible,
provided.
Health Coverage
will pay the
provider. The
provider will bill
you for your
portion.
4
When you have
claim activity,
you will receive a
Health
Statement.
Confidential property of UnitedHealth Group. Do not distribute or reproduce without the express permission of UnitedHealth Group.
31
HSA Plan Components
Medical Plan
United HealthCare
• Network and non-network coverage
• Annual deductible
• Protection from high out-of-pocket costs
•100 percent preventive care
• No copayments
Health Savings
Account
Optum Health Bank
• Your personal bank account
• Take it with you if you leave your job
• Triple-tax benefits
• Use it for medical & pharmacy bills
• No “use it or lose it” rule
Confidential property of UnitedHealth Group. Do not distribute or reproduce without the express permission of UnitedHealth Group.
32
OptumHealth BankSM
• A leader in health care banking and HSAs
• Member FDIC
• A UnitedHealth Group company
Confidential property of UnitedHealth Group. Do not distribute or reproduce without the express permission of UnitedHealth Group.
33
OptumHealth BankSM
Easy access to funds
• Use at the point of service
(doctor’s office, pharmacy)
• Can withdraw cash at
ATM where MasterCard
is accepted*
• Can ask for additional cards
for covered family members
• Free online bill pay
• Checks (optional, $10 for
25 checks)
*Access fees may also be charged by ATM owner.
Confidential property of UnitedHealth Group. Do not distribute or reproduce without the express permission of UnitedHealth Group.
34
Three HSA Choices - Only from
OptumHealth BankSM
Health eAccessSM
HSA
for active health care spenders
Health eSaverSM
HSA
for those looking to earn competitive
interest rates
Health eInvestorSM
HSA
for those who plan to build and grow
their HSA balances
Confidential property of UnitedHealth Group. Do not distribute or reproduce without the express permission of UnitedHealth Group.
35
35
Choose the Right Mix of Fees and
Interest
Understand the rates, fees and features for each account type:
Health eAccess
Health eSaver
Monthly
Maintenance Fee
$0 if balance exceeds $500
$1 if balance is $1-$499.99
$0 if balance exceeds $5,000
$3 if balance is $1-$4,999.99
Balance Required
to Obtain APY
Annual Percentage Yield (APY)
Annual Percentage Yield (APY)
Health eInvestor
$0 if balance exceeds $5,000
$3 if balance is $1-$4,999.99
Annual Percentage Yield (APY)
$0-$499.99
0.00%
$500-$999.99
0.00%
$1,000-1,999.99
0.00%
$2,000-$4,999.99
0.00%
$5,000-$14,999.99
0.00%
$15,000+
0.00%
Investment
Threshold
$2,000
$2,000
$500
Monthly Investment
Fee
$3
$0
$2.50
Variable based on balance
Variable based on balance
Investments are not FDIC-Insured, are not guaranteed, and may
lose value.
Confidential property of UnitedHealth Group. Do not distribute or reproduce without the express permission of UnitedHealth Group.
36
Medical ID Cards
 All employees who move to a new medical plan will
receive new ID cards. The cards will be shipped to
your home mailing address.
 Continue to use your current ID cards until 6/30/10.
Use the new ID cards effective 7/1/10.
 Employees who enroll in the HSA $2,500 medical plan
option will receive a debit card by 7/1/10.
Confidential property of UnitedHealth Group. Do not distribute or reproduce without the express permission of UnitedHealth Group.
37
Medical Plan Evaluator
Tool brought to you by
Confidential property of UnitedHealth Group. Do not distribute or reproduce without the express permission of UnitedHealth Group.
38
This tool is available on the Glendale Elementary School
District employee benefit website.
To access the website:
Go to www.thebagnallcompany.com
Select the “Benefit Login” box
Enter the District’s password in all lowercase letters: glendale
When you enter the Glendale Elementary employee benefit website, select the
“Medical Plan Evaluator Tool” tab on the left toolbar.
If you have 23 pay periods:
Click the link “If you have 23 pay periods click here to access the tool”
User name: gesd23
Password: gesd23
If you have 25 pay periods:
Click the link “If you have 25 pay periods click here to access the tool”
User name: gesd25
Password: gesd25
*Make sure you use all lowercase letters.
Confidential property of UnitedHealth Group. Do not distribute or reproduce without the express permission of UnitedHealth Group.
39
Confidential property of UnitedHealth Group. Do not distribute or reproduce without the express permission of UnitedHealth Group.
40
Confidential property of UnitedHealth Group. Do not distribute or reproduce without the express permission of UnitedHealth Group.
41
Confidential property of UnitedHealth Group. Do not distribute or reproduce without the express permission of UnitedHealth Group.
42
Confidential property of UnitedHealth Group. Do not distribute or reproduce without the express permission of UnitedHealth Group.
43
Confidential property of UnitedHealth Group. Do not distribute or reproduce without the express permission of UnitedHealth Group.
44
Confidential property of UnitedHealth Group. Do not distribute or reproduce without the express permission of UnitedHealth Group.
45
Confidential property of UnitedHealth Group. Do not distribute or reproduce without the express permission of UnitedHealth Group.
46
Confidential property of UnitedHealth Group. Do not distribute or reproduce without the express permission of UnitedHealth Group.
47
Additional
UnitedHealthcare
Tools & Resources
Confidential property of UnitedHealth Group. Do not distribute or reproduce without the express permission of UnitedHealth Group.
48
Hospital Comparison Program
• On myuhc.com
• Find national quality ratings
and cost information on 54
procedures and conditions
• Side-by-side hospital
comparisons on cost and
quality based on specific
procedures
Confidential property of UnitedHealth Group. Do not distribute or reproduce without the express permission of UnitedHealth Group.
49
Treatment Cost Estimator
• Provides cost estimates
for specific treatments
and procedures based
on selected physician’s
costs
• Helps you understand
the cost of treatment
• Allows you to plan in
advance of your health
care need
Confidential property of UnitedHealth Group. Do not distribute or reproduce without the express permission of UnitedHealth Group.
50
Additional
Benefits
Confidential property of UnitedHealth Group. Do not distribute or reproduce without the express permission of UnitedHealth Group.
© 2008 UnitedHealthcare
Vision - UnitedHealthcare
Examination ($15 copay, once every year):
Receive a comprehensive eye examination from a state
licensed optometrist or ophthalmologist, covered-infull,
after exam copay.
Materials ($30 copay):
The materials copay is a single payment that applies to the
entire purchase of eyeglasses (lenses and frames), or
contacts in lieu of eyeglasses.
Confidential property of UnitedHealth Group. Do not distribute or reproduce without the express permission of UnitedHealth Group.
Base Dental – MetLife
Carrier
Benefits
Basic Information
Annual Deductible
Individual
Family
Annual Plan Maximum
Benefits
Composite fillings
Anesthesia
Type I - Diagnostic & Preventive
Type II - Basic Service (fillings & crowns)
Type III - Major Services (bridges &
dentures)
Type IV - Orthodontic Services
Orthodontia Age Limitation
Orthodontia Lifetime Maximum
Orthodontia Lifetime Deductible
Adult Orthodontia
Periodontic Coverage
Endodontic Coverage
MetLife
Current Plan
MetLife
Effective 7/1/2010
Base Plan
Base Plan
In-Network Out-of- In-Network Out-ofNetwork
Network
$50
$150
$1,500
$50
$150
$1,500
Not Covered
Under Type II & III
100%
80%
50%
Covered on molars
Under Type I, II & III
100%
90%
80%
70%
50%
40%
N/A
N/A
N/A
N/A
N/A
80%
80%
N/A
N/A
N/A
N/A
N/A
80%
80%
Confidential property of UnitedHealth Group. Do not distribute or reproduce without the express permission of UnitedHealth Group.
© 2008 UnitedHealthcare
Buy Up Dental – MetLife
Carriers
Benefits
Basic Information
Annual Deductible
Individual
Family
Annual Plan Maximum
Benefits
Composite fillings
Anesthesia
Type I - Diagnostic & Preventive
Type II - Basic Service (fillings & crowns)
Type III - Major Services (bridges & dentures)
Type IV - Orthodontic Services
Orthodontia Age Limitation
Orthodontia Lifetime Maximum
Orthodontia Lifetime Deductible
Adult Orthodontia
Periodontic Coverage
Endodontic Coverage
MetLife
Current
MetLife
Effective 7/1/2010
Buy Up Plan
In-Network
Out-ofNetwork
Buy Up Plan
In-Network
Out-ofNetwork
$50
$150
$2,000
$50
$150
$2,000
Not Covered
Under Type II & III
100%
80%
50%
50%
Children to age 25
$1,000
None
Not Covered
80%
80%
Covered on molars
Under Type I, II & III
100%
90%
80%
70%
50%
40%
50%
Children to age 25
$1,000
None
Not Covered
80%
80%
Confidential property of UnitedHealth Group. Do not distribute or reproduce without the express permission of UnitedHealth Group.
© 2008 UnitedHealthcare
District Paid Life/AD&D and
Optional Life
 Minnesota Life will replace SunLife
 All employees will be automatically rolled over
based on current elections
 One time opportunity to enroll up to the Optional
Life guaranteed issue amount without completing
medical questions!!!
Confidential property of UnitedHealth Group. Do not distribute or reproduce without the express permission of UnitedHealth Group.
55
Basic Life/AD&D
 100% paid by Glendale!!!
 2 x Base Annual Earnings rounded to the next higher
multiple of $1,000 to a maximum benefit of $500,000
Confidential property of UnitedHealth Group. Do not distribute or reproduce without the express permission of UnitedHealth Group.
Optional Life
Employee:

An amount between $10,000 and $500,000, in increments of $10,000, not to exceed
5x basic annual earnings.
Guaranteed Issue Amount is $100,000.
Benefits cease at retirement.
Any amount in force prior to age 70 reduces to $30,000 from age 70-79, and then
$1,000 at age 80+.



Spouse:
 An amount between $5,000 and $250,000, in increments of $5,000.
 Guaranteed Issue amount is $50,000.
 Spouse Optional Life coverage may not exceed 50% of the employee’s coverage.
 Any amount in force prior to age 70 reduces to $15,000 at age 70.
Children:


14 days – 6 months = $500
6 months – 19 years = Increments of $2,000 to a maximum
of $10,000
Confidential property of UnitedHealth Group. Do not distribute or reproduce without the express permission of UnitedHealth Group.
Short Term Disability (STD)
Optional Employee Paid STD offered by Assurant
 Benefit up to 66 2/3% of your monthly salary
 Waiting period: 0 days injury, 3 days sickness
 3 Month Duration
 Proof of good health is required for any amount greater than $2,000. Proof
of good health is required for all late enrollments.
District Paid STD offered by UNUM
 Benefit up to 66 2/3% of your weekly salary up to $1,155 per week
 Waiting period: 89th day injury, 89th day sickness
 12 Week Duration
PRE‐EXISTING CONDITIONS
No benefits are payable for disabilities that commence within 12 months of your effective date if you
received medical treatment, consultation, care or services, including diagnostic measures, or
took prescribed drugs or medicines for the disabling condition in the 12 months just prior to your
effective date.
Confidential property of UnitedHealth Group. Do not distribute or reproduce without the express permission of UnitedHealth Group.
Flexible Spending Account –
Wage Works

Contribute to up to $3,000 per year to the health savings account
and/or up to $5,000 per year to the dependent care savings account.

Money is deducted from your paycheck on a “before tax” basis to cover
the cost of eligible items such as: copays, glasses, dental work,
prescriptions, daycare for your children, etc.

Don’t forget the use-it-or-lose-it rule

Should you enroll in the new HSA $2,500 plan, you can enroll in a
Limited Purpose FSA to receive reimbursement for Dental, Vision
and/or Dependent Care expenses. The HSA account can be used for
Medical, Dental and Vision expenses as well.
Confidential property of UnitedHealth Group. Do not distribute or reproduce without the express permission of UnitedHealth Group.
Don’t Forget About….
Prepaid Legal & Identity Theft
This benefit is not included in the online enrollment system. You must
complete a hard copy enrollment form that can be picked up at the
meeting today.
Liberty Mutual insurance discounted rates
for home, auto and recreational vehicles.
Employees must contact Dan Klith at 623-572-4440 ext 56470
Confidential property of UnitedHealth Group. Do not distribute or reproduce without the express permission of UnitedHealth Group.
© 2008 UnitedHealthcare
Benefit Plan Information
 Go to www.thebagnallcompany.com
 Click on the “Benefits Login” button
 Enter your password in all lowercase letters:
glendale
Confidential property of UnitedHealth Group. Do not distribute or reproduce without the express permission of UnitedHealth Group.
Confidential property of UnitedHealth Group. Do not distribute or reproduce without the express permission of UnitedHealth Group.
© 2008 UnitedHealthcare
Confidential property of UnitedHealth Group. Do not distribute or reproduce without the express permission of UnitedHealth Group.
© 2008 UnitedHealthcare
© 2009 United HealthCare Services, Inc.
UHCEW439246-000