Employee Benefits

COVID-19 Carrier Updates – UnitedHealthcare

UnitedHealthcare

Eligibility Requirements – Reduced Hours/Layoffs

UnitedHealthcare is temporarily (through May 31, 2020) relaxing its requirement that employees be actively working to be eligible for coverage and will allow employers to cover reduced hour employees, as well as furloughed and laid off employees, as long as the employer continues to pay the monthly premium.  Please note that employers must offer this coverage on a uniform, non-discriminatory basis.

The rehire waiting period for re-hired employees who were terminated due to COVID-19 will be waived.

Special Open Enrollment Period

UnitedHealthcare is providing its fully-insured small and large employer employers with a Special COVID-19 Enrollment Opportunity to enroll employees who previously did not to enroll in coverage. The opportunity will be limited to those employees who previously did not elect coverage for themselves (spouses or children) or waived coverage.

  • The enrollment opportunity will extend from March 23, 2020, to April 6, 2020, with an effective date of April 1, 2020.
  • Employers are not required to adopt the Special COVID-19 Enrollment Opportunity. Because of this, no opt out action is required on their behalf. UnitedHealthcare realizes each situation is unique, and each customer must make their own decisions on the enrollment opportunity.
  • Dependents, such as spouses and children, can be added if they are enrolled in the same coverage or benefit option as the employee.
  • Standard waiting periods will be waived; however, existing eligibility and state guidelines will apply.
  • For small employers (2-50), a wage and tax statement will be needed to validate the employee’s eligibility.

Please note that if a group has more than one plan option, this Special Enrollment Opportunity does not allow current members to change plans.
 

UnitedHealthcare All Savers

Eligibility Requirements – Reduced Hours/Layoffs

United Healthcare All Savers is temporarily (through May 31, 2020) relaxing its requirement that employees be actively working to be eligible for coverage and will allow employers to cover reduced hour employees, as well as furloughed and laid off employees, as long as the employer continues to pay the monthly premium.  Please note that employers must offer this coverage on a uniform, non-discriminatory basis.

The rehire waiting period for re-hired employees who were terminated due to COVID-19 will be waived.

Special Open Enrollment Period

UnitedHealthcare All Savers is providing its employers with a Special COVID-19 Enrollment Opportunity to enroll employees who previously did not to enroll in coverage. The opportunity will be limited to those employees who previously did not elect coverage for themselves (spouses or children) or waived coverage.

  • The enrollment opportunity will extend from March 23, 2020, to April 6, 2020, with an effective date is April 1, 2020.
  • Customers are not required to adopt the Special COVID-19 Enrollment Opportunity. Because of this, no opt out action is required on their behalf. UnitedHealthcare realizes each situation is unique, and each customer must make their own decisions on the enrollment opportunity.
  • Dependents, such as spouses and children, can be added if they are enrolled in the same coverage or benefit option as the employee.
  • Standard waiting periods will be waived; however, existing eligibility and state guidelines will apply.
  • For small employers (2-50), a wage and tax statement will be needed to validate the employee’s eligibility.

Please note that if a group has more than one plan option, this Special Enrollment Opportunity does not allow current members to change plans.

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