AGENT BULLETIN

2016 Transitional Renewal Offers

Include Extended, Early Renewal Options

USHL Underwriting has begun issuing 2016 renewals for transitional groups; most groups will receive an early or extended renewal offer dependent upon their renewal date. All groups will have the ability to renew coverage through the federally-mandated September 30, 2017 transitional renewal end date by one of three avenues: an early renewal offer made in July 2016, an extended renewal offer made during the regular renewal cycle in 2016, or a standard 12-month renewal offer.

Refer to the table below for offer details by renewal month:

Renewal Date	Renewal Period	Renewal Months	Early Renewal Offer Mid July 2016
01/01/2016	Jan 16 - Dec 16	12	Early Oct 16 - Sep 17
02/01/2016	Feb 16 - Jan 17	12	Early Oct 16 - Sep 17
03/01/2016	Mar 16 - Feb 17	12	Early Oct 16 - Sep 17
04/01/2016	Apr 16 - Sep 17	18	Extended
05/01/2016	May 16 - Sep 17	17	Extended
06/01/2016	Jun 16 - Sep 17	16	Extended
07/01/2016	Jul 16 - Sep 17	15	Extended
08/01/2016	Aug 16 - Sep 17	14	Extended
09/01/2016	Sep 16 - Sep 17	13	Extended
10/01/2016	Oct 16 - Sep 17	12	Normal
11/01/2016	Oct 16 - Sep 17	12	Early Oct 16 - Sep 17
12/01/2016	Oct 16 - Sep 17	12	Early Oct 16 - Sep 17

Renewal Processing

Transitional groups will receive renewal offers no later than 75 days in advance of their renewal date. As with all USHL renewals, agents will receive group renewal emails in advance of the hardcopy send-out to groups.

In accordance with transitional renewal regulations, groups will have the option of making changes within the same plan family-- i.e. Traditional Peak; HDHP Pinnacle-- deductible level changes will be allowed along with any desired change in prescription drug coverage in the case of Traditional plans. Changes between HDHP and Traditional plans will not be permitted.

An employer's acceptance of the renewal is due no later than the first day of the applicable renewal month, and all required forms and remittance advice will be included in the renewal packages:

Groups accepting their renewal without plan changes will be required to complete and submit an Extended Transitional Policy Election Request along with their most recent Wage and Tax Report.
Groups electing a benefit change will indicate the desired plan change on the Renewal Rate Comparison page, and will submit this document along with an Extended Transitional Policy Election Request and their most recent Wage and Tax Report.

If you have any questions regarding in-force business with USHL, contact USHL Sales Support at 844.828.5968 or by email at salessupport@ushealthandlife.com.

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