UHC: New Resources Provide Clarification to SBC Effective Dates

UnitedHealthcare has been receiving a high level of early Summary of Benefits and Coverage (SBC) requests to be delivered for open enrollments occurring prior to the Sept. 23, 2012 effective date. Therefore, they are providing guidance on the requirements on issuing an SBC to fully insured and self-insured groups with an October 1 and/or Nov. 1, 2012 effective date.

Fully Insured SBC Delivery Dates and Process:
The SBC effective date applies to open enrollment periods beginning on or after Sept. 23, 2012.

• For new business, applications, sold cases or renewal confirmations submitted on or after Sept. 23, 2012, UnitedHealthcare will create an SBC.
• For renewals, the first effective date UnitedHealthcare will create SBCs will be November 1. This is based on the assumption that most Oct. 1, 2012 groups will have committed to their renewal and their open enrollment period will have begun prior to Sept. 23, 2012.
• If an Oct. 1, 2012 group commits to renew with UnitedHealthcare on or after Sept. 23, 2012, then we will create an SBC for them. For groups with an Oct. 1, 2012 or Nov. 1, 2012 effective date, please reference the grid below for clarification on SBC requirements.