CAPSULE VIEWS - Arizona Health Spot

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➢ OptumHealth Bank To Change Name to Optum Bank, Member FDIC

OptumHealth Bank, Member FDIC, is being renamed Optum Bank, Member FDIC. The name change will be implemented in the first quarter of 2013, following conclusion of the open enrollment season.

The bank is part of Optum, and the name change aligns with the goal of unifying the company’s health services businesses under the Optum brand. Optum is made up of more than 35,000 people worldwide who collaborate to deliver innovative health care solutions, help people achieve their health and wellness goals, and improve the overall health of the communities Optum Bank serves.

Optum Bank communications will announce the pending name change in December. All websites, communications and forms will be transitioned to the new name and the new brand in the first three to four months of 2013. There will be no disruption to any customer points of contact, including call centers and websites.

➢ Health and Wellness Video Clip from The Dr. Oz Show: Trim the Holiday Fat

This month’s video clip from The Dr. Oz Show, “Trim the Holiday Fat,” offers tips on how to stay healthy during the holiday season.

UnitedHealthcare posts video clips each month featuring Dr. Mehmet Oz, a renowned physician, bestselling author and host of The Dr. Oz Show, which airs daily on TV stations across the United States. The clips focus on achieving or maintaining a healthy weight, heart health, exercise and healthy eating, and can be easily shared by copying and pasting the Web link into an email or Web browser. Each clip will be available online on and for six months.

These video clips are part of UnitedHealthcare's commitment to work with Dr. Oz to support health and wellness topics on his show. Access and click on "Local Listings" to find out when and on what station The Dr. Oz Show airs in your area.

➢ New Health Reform Fees on the Horizon Impact Premiums and Rates

To fund several of the changes mandated by the health reform law – the Affordable Care Act (ACA) – new fees will apply to health insurance issuers and self-funded plan sponsors. The fees fund patient-centered outcomes research, the transitional reinsurance program and premium tax subsidies for individuals in exchanges.

For self-funded plans, UnitedHealthcare will collect the transitional reinsurance fee from customers and pay the fee. Self-funded customers must pay the PCORI research fee directly to the Internal Revenue Service (IRS). The insurer fee does not apply.

Health Reform Fee Financial Impact

For self-funded plan sponsors, the cumulative impact of the health reform fees in 2014, based on the government rule and industry analysis, shows a cost of about $6 per member per month.

Patient-centered Outcomes Research Institute (PCORI) Fee - 2012-2019

Impacts both fully insured and self-funded plans

The PCORI fees fund research that evaluates and compares health outcomes, clinical effectiveness, risks and benefits of medical treatments and services. The research will help patients, health care professionals and policymakers make better informed decisions about treatment options.

Starting with plan years ending after October 2012, health insurance issuers and employers sponsoring self-funded group health plans must pay $1 per member per year to fund the PCORI research fee. The fee increases to $2 per member per year in the second year. Then, the fee adjusts based on the percentage increase in the projected per capita amount of national health expenditures.

Self-funded customers, as the plan sponsor, must file federal excise Form 720, and pay the research fee directly to the IRS. Under the IRS rules, third parties may not pay the research fee or file Form 720 on behalf of self-funded plans. Self-funded customers are encouraged to consult their tax advisor if they have questions about filing the excise tax returns.

The PCORI research fee is due by July 31 of the calendar year immediately following the last day of the plan year. Therefore, the 2012 fee must be paid by July 31, 2013.

An estimated $150 million will be raised from the PCORI research fees over the life of the fee.

Transitional Reinsurance Fee - 2014-2016

Impacts both fully insured and self-funded plans

The transitional reinsurance fee is collected from health insurance issuers and third-party administrators (TPA) on behalf of self-funded group health plans to fund the transitional reinsurance program. The program distributes the funds to insurers in the non-grandfathered individual market that disproportionately attract individuals at risk for high medical costs. The intent is to spread the financial risk across all health insurers to provide greater financial stability. The reinsurance program will exist for the first three years of the exchanges’ operation (2014-2016).

The quarterly fee is assessed on a per capita basis. Use of a per capita assessment may lead to multiple payments when a group purchases more than one policy that is subject to the transitional reinsurance fee or the PCORI fee. The issuer or a self-funded group with two policies may pay the fee twice for the same covered life.

Self-funded customers will fund the reinsurance fee and UnitedHealthcare will collect and remit the fee as required by the Department of Health and Human Services.

UnitedHealthcare will charge the bank account of self-funded customers to pay the quarterly federal payments and any state reinsurance fee rather than increase customers’ administrative fees. The fee will be taken from the customer’s account as an automatic, electronic withdrawal.

It is expected that the first payment will be due on Jan. 15, 2014, but UnitedHealthcare is awaiting final guidance from the federal government on the amount and timing of the payments.

The impact of the transitional reinsurance fee, based on the government rule and industry analysis, is about $6 per member per month for the first year.

The health reform law specifies the total amounts of the reinsurance fee that must be collected for the reinsurance program is $12 billion in 2014, $8 billion in 2015 and $5 billion in 2016, totaling $25 billion.

Self-funded Plans Summary: Fee Collection and Payment

• UnitedHealthcare will collect the reinsurance fee from self-funded customers by charging the customer’s bank account and remitting the fee.

• As the plan sponsor, self-funded customers must pay the PCORI research fee directly to the IRS.

• The insurer fee does not affect self-funded customers.

• The cumulative impact of the health reform fees in 2014, based on the government rule and industry analysis, shows the financial impact for self-funded customers is about $6 per member per month.

Attached is a summary of these Health Reform Fees.

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➢ New Storytellers Videos Highlight , Specialty Pharmacy and Wellness Incentives

Three new videos have been added to UnitedHealthcare’s Storytellers video series, highlighting ®, Specialty Pharmacy and UnitedHealthcare’s wellness incentives. As a reminder, the Storytellers video series features UnitedHealthcare members sharing their personal success stories, using UnitedHealthcare’s resources and interacting with UnitedHealthcare employees.

Each video presents a member describing a firsthand account of how UnitedHealthcare provided invaluable support, services and guidance throughout his or her unique health episode, demonstrating how UnitedHealthcare helps people live happier, healthier lives.

The new videos, which can be viewed and downloaded, feature the following Storytellers:

• Natasha Coleman takes viewers through her amazing 214-pound weight loss journey. She speaks to the role UnitedHealthcare’s resources played in her success by supporting and enabling her during an incredible weight-loss program. She references the value of and the Generations of Wellness program, which helped to educate her on healthy food choices and exercise methods.

• Richard Sorensen shares how he’s living with a form of leukemia that requires the use of a Specialty Pharmacy medication. UnitedHealthcare’s Specialty Drug program assigned the small business owner a registered nurse whose regular phone calls and keen listening skills resulted in the single father of two’s life being saved.

• Scott Stoll explains how a UnitedHealthcare Know Your Numbers worksite event helped change his life. Scott learned he had diabetes and high blood pressure after participating in a UnitedHealthcare Know Your Numbers worksite event. Rumpke Waste and Recycling, a Key Accounts customer, had offered a “Lose and Win” wellness incentive program to its employees. Scott ultimately lost 50 pounds and says not needing to take mediation for diabetes or high blood pressure was the real top prize.

Storytellers videos can be downloaded from the following website and used in external meetings with brokers, consultants and customers, as appropriate: .

➢ QR Codes Promote Mobile on Health Care ID Cards

Beginning Dec. 1, members who receive standard health care ID cards will learn how they can take charge of their health and health care when they snap a quick response (QR) code that promotes the ® mobile site.

The "take charge" challenge message and QR code will be featured on the ID card carrier, and consumers who snap the code will be led to more detailed information about the mobile site. Screen shots of the ID card carrier and destination page are provided for your reference under Related Links.

Why QR Codes?

QR codes are being added to health care ID cards as a pilot to test their use by members. Given the increasing use of smartphones, apps and related vehicles, UnitedHealthcare decided to test QR codes as a potential future informational vehicle. The code imprinted on the ID card carriers will lead members to a unique URL that promotes mobile and contains information on how to register. Tracking of QR code snaps will be ongoing through December 2013.

➢ Member Portal Enhancements Effective Dec. 7

Effective Dec. 7, enhancements were made to the member portals to support UnitedHealthcare products and services and improve the usability of the website for members.

COB Integration with Portals

Provides information for Coordination of Benefits (COB) claims on the portal; COB is a method by which two or more plans coordinate their respective benefits so the total benefit paid does not exceed 100 percent of the total allowable expenses incurred.

Key Components:

• The portal will display enhanced information related to the processing of COB claims.

• Additional details will be displayed for the Patient Responsibility field.

• The COB information displayed will be consistent across the portal, health statements and Explanations of Benefits (EOBs).

• Members will be provided with instructional information to help understand the enhanced COB process.

Enhanced Claim Display

myClaims Manager provides members with an enhanced claim display via the member portal.

Key Components:

• The Account Balance(s) view uses enhanced visuals to display the status of all financial accounts applicable to the subscriber.

• Progress toward meeting the deductible and out-of-pocket maximum amounts is displayed graphically for all covered members.

• The Claims Summary displays claims based on the search results or the selected Quick View option. Members can search for claims based on a specific time frame, family member or type of claim (medical or pharmacy).

• Members can flag a claim to watch, mark claims that are already paid or add a personalized note to a claim. Quick View allows members to sort claims that have been flagged as “Watched,” “Noted,” “Marked as Paid,” “All Managed” or claims with a “You Owe” amount.

• The detailed claim view uses colored visuals to explain how the claim was processed and what the member owes.

• Simple explanations of the services and treatments received are provided.

Health Care Reform – Display of SBCs

Includes the display of Summaries of Benefits and Coverage (SBCs) on the portal.

Key Components:

• Eligible subscribers and dependents will be able to view, download and print their SBCs on the portal.

• In addition to the current SBC, SBCs generated in the past 18 months will also be displayed.

➢ W-2 Reporting Communication Support Materials Now Available

Beginning with the 2012 W-2 forms, customers that file 250 or more W-2 forms are required under the health reform law to share the cost of employees’ health care coverage on their W-2 forms. While it is the customer’s responsibility to provide this information to their employees, UnitedHealthcare has developed communication materials and internal reports to assist them.

W-2 support materials include fliers and a video to share with customers, as well as reports available to help customers find their employees’ cost of coverage information.

Click here to view the video: W-2 Reporting Video

Attached is the W-2 support flyer for your reference.

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➢ QuitPower® Advanced Tobacco Cessation Program Improvements Made

Improvements have been made to the QuitPower® Advanced Tobacco Cessation program, including additional program follow-up, a new nicotine replacement therapy (NRT) vendor and updated program completion criteria.

Quitting smoking may be top-of-mind during the holiday season, making it an ideal time to promote the QuitPower program to customers and members. Refreshed marketing materials are also now available.

Key improvements and details:

• Improved post-program follow-up: Using interactive voice recognition (IVR) technology, Optum now gathers tobacco use data at both six and 12 months following the member’s quit day. During the phone call, the option to transfer to a QuitPower program representative for further coaching support is also offered.

• New NRT vendor: Leveraging a corporate relationship with McKesson, the quality of the NRT patch and gum, which is provided as part of the program, has been improved. McKesson member experience improvement is a reduced shipping time frame of two to four business days after the order is placed, as compared to the previous seven to 10 days.

• Updated program completion criteria: A member has completed the program when he or she meets one or both of the following criteria: 1). Complete a minimum of five calls; 2). Reduce tobacco usage by at least 50 percent or quit tobacco completely. Coaches will continue to encourage members to participate for all eight calls, and to re-enroll them into the program as needed. Note that there is no minimum amount of time that a member must participate in order to be considered complete. Instead, a consumer-centric approach is taken, and the number of calls and program length is personalized according to each participant.

Take advantage of this time of year to promote the QuitPower Advanced Tobacco Cessation program. An employer marketing toolkit is available to customers upon request.

➢ Health and Wellness Video Clip from The Dr. Oz Show: Tips to Lose Five Pounds

This month’s video clip from The Dr. Oz Show, “Tips to Lose Five Pounds,” offers tips on how to trim five pounds by taking a few simple steps.

UnitedHealthcare posts video clips each month featuring Dr. Mehmet Oz, a renowned physician, bestselling author and host of The Dr. Oz Show, which airs daily on TV stations across the United States. The clips focus on achieving or maintaining a healthy weight, heart health, exercise and healthy eating, and can be easily shared by copying and pasting the Web link into an email or Web browser. Each clip will be available on and Source4Women for six months.

These video clips are part of UnitedHealthcare's commitment to work with Dr. Oz to support health and wellness topics on his show. Access and click on "Local Listings" to find out when and on what station The Dr. Oz Show airs in your area.

Attached is a complete schedule of The Dr. Oz Show video clips provided for your reference.

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➢ Jan. 8 Source4Women Online Seminar – “Best Weight Loss Tips Ever”

On Tuesday, Jan. 8, at 12:30 p.m. ET, Source4Women will host a free online seminar called “Best Weight Loss Tips Ever.” Learn about the habits that cause weight gain and receive diet tips that may lead to a healthier you. Additionally, popular and fad diet plans will be reviewed along with recommendations for diets that help people reach their health goals, slim down and feel energized. Let 2013 be the year you lose weight once and for all.

Speaker Background

Kathleen Zelman is a nationally known nutrition correspondent, editor, and contributing writer of diet and nutrition articles. She currently serves as director-at-large on the American Dietetic Association (ADA) Board of Directors. Her experience includes co-hosting a weekly radio program, serving 12 years as a national spokeswoman for the ADA, and making numerous print and television appearances including CNN, Good Morning America, NBC Nightly News, The Wall Street Journal and The New York Times.

Member Registration

To register for this online seminar, visit and click on “Online Seminars & Events” at the bottom of the left-hand column.

Background

Source4Women offers free, online seminars focused on keeping UnitedHealthcare members and their families healthy. These seminars are fully interactive and feature expert speakers in health, wellness and nutrition. Best of all, seminar participants may email the experts with their questions during each presentation, and they will respond during a concluding Q-and-A session.

➢ IRS Issues Proposed Rules for Employer Mandate

On Friday, December 28, the Internal Revenue Service (IRS) issued a Notice of Proposed Rulemaking (NPRM) implementing PPACA’s employer responsibility provisions. Under certain circumstances, PPACA imposes penalties on large employers who fail to offer minimum essential coverage under an eligible employer-sponsored plan, and the coverage is unaffordable and fails to provide minimum value, as determined by reference to the cost and characteristics of employee-only coverage offered to the employee.

The Proposed Rules provide guidance related to:

• Minimum Essential Coverage (noting further guidance in this area)

• Minimum Value

• Affordability

• Determining status as an applicable large employer and applicable large employer member

• Determining fulltime employees

• Determining assessable payments

• Determining whether an employer is subject to assessable payments

• The administration and assessment of assessable payments

Key dates

• Proposed Rules released by IRS December 28, 2012.

• Comments on the Proposed Rules are due by March 18, 2013

• Public hearing on this issue is scheduled to be held on April 23, 2013. The hearing will be conducted by the IRS.

➢ 4 out of 5 Consumers Believe in the "Consumerization" of Health Care

A new research study reveals that 80 percent of American consumers believe the growing “consumerization” of health care – people take a more active role in managing their care – is a positive development.

Global information provider Wolters Kluwer Health surveyed 1,000 consumers ages 18 and older to determine if they feel prepared to take more responsibility for health care choices. Results show 86 percent feel they must take a more proactive role in managing health care in order to ensure better quality of care. The report notes that 76 percent report they have the information and tools to take more responsibility in choosing health care providers and researching treatment options.

“With greater responsibility placed on patients to take a role in their own care, it’s essential that consumers have access to evidence-based tools and resources to make informed decisions about their care in partnership with their health care providers, “ said Dr. Linda Peitzman, Chief Medical Officer, Wolters Kluwer Health. “Access to research-based medical information not only can positively impact quality of care, but it also can lead to improved doctor-patient communication and relationships.”

The survey also found that the notion of the “patient experience” is gaining significance for Americans, with 30 percent wanting their patient experience to be similar to other customer experiences they have, such as shopping, hotel and travel experiences, complete with choices and control.

Among respondents, women and consumers aged 35-54 were most likely to agree they need to take a more proactive role in their health care choices.

➢ Consumer Experience Videos Now Available Online

Launching in December and through early 2013, a series of five ® consumer experience videos will highlight the available tools and resources on the website that can help members manage their health and health care on their terms. Featuring the tagline “my health, my way, ,” the video series is informative rather than instructional in nature and is presented from a member lifestyle perspective. Available in manageable 60-second spots, members are invited to follow “Chris” and her family as they register, navigate through and use as health care questions and issues arise.

The first video, currently available at , provides an overview of the website. Subsequent videos will follow Chris’ family as they discover ’s Health & Wellness resources, use the Health4MeSM mobile app while on the go, search for a doctor and research costs using myHealthcare Cost Estimator. All five videos are expected to be available approximately Feb. 1.

The videos will initially be available via the featured content carousel, but can also be provided for internal use or used at tradeshows and for other demonstrations. While each video is available as a stand-alone, the series can be played continuously as a single narrative. The videos and instructions for download are available at .

Beginning in January, a promotional toolkit will be available on the Communication Resource Center via “Programs & Services” > “.” The toolkit is currently scheduled to include the following materials:

• Customer Intranet, Newsletter and Email Copy (customer to member): Text customers can use to promote the videos in their own internal communications.

• Online Banners to Promote the Video ‘Series’ (customer to member): Banners that can be posted on customer intranets, available in horizontal and vertical layouts.

In addition to the material in the broker/customer toolkit, participating members will be notified of the videos via the following vehicles in the first quarter of 2013 (subject to change):

• Carousel (member): The rotating, featured content section of the home page will feature a message about the videos with a link.

• Information Center (member): The Information Center will feature a message about the videos with a link.

• News For U (member): The monthly member email newsletter will feature an article about the videos.

➢ January 2013 Healthy LifeCycles Health and Wellness Video Tip Promotes Weight Management

The January Healthy LifeCycles video, Weight Management, is now available for external use, and highlights ways to attain a healthy weight by setting reasonable goals and staying committed to them.

As a reminder, Healthy LifeCycles is a series of 90-second videos to help drive employee engagement by featuring a monthly topic that aligns with the national annual health and wellness concepts. Each video includes a health tip from an athlete on the UnitedHealthcare professional cycling team and is accessible on the Healthy LifeCycles page on .

Video 1: Smart Eating, March

Video 2: Eating a Healthy Breakfast, April

Video 3: Exercise and Arthritis, May

Video 4: Men’s Health, June

Video 5: Sun Safety, July

Video 6: Stress Management, August

Video 7: Childhood Obesity, September

Video 8: Breast Cancer Awareness, October

Video 9: Diabetes Management, November

Video 10: Bike Safety, December

Video 11: Weight Management, January 2013

Video 12: Healthy Heart Tips, February 2013

Customers can post links to the videos on their company intranets or include them in employee communications, as appropriate. The videos will be available from UHC TVSM, , and in the Broker, Client, Consultant and Customer Connection e-newsletters each month.

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