Administered by UnitedHealthcare
Introduction
ACEC
The American
Council of
Engineering
Companies
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The Oldest & Largest of
America’s engineering
Associations
Over 5,100 member firms
ranging from individuals to
large corporations
Over 500,000 Employees
combined
AThe
C ACEC
EC
Life/Health
Life/Health
Trust
UnitedHealthcare
& the ACEC
Life/Health Trust
Trust
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The ACEC Life/Health Trust
was formed in 1965 to
provide aggregate life &
health benefit plans to ACEC
members
Currently there is
approximately 1800
employer groups with over
75,000 members combined.
Member firms range from
1-600 employees (average
groups size is 28)
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UHC began administering
the Trust in August of 2007
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UHC offers Medical, Dental,
Vision, Life & Disability
insurance to participants
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Member firms receive a
certificate of coverage
ACEC Life/Health Trust
Competitive Advantage
Small employers with common interests may band
together to form association health plan. ACEC Life/Health
Trust qualifies as an association health plan as a result of
our structure, governance, and common interests
Treated as one large employer for purposes of rating rules.
Therefore, not subject to rating restrictions.
The Trust’s unique structure allows engineers to have a
voice in how their benefits are administered.
Through the Trust, members receive both product and
price flexibility to fit their needs.
Benefits of the ACEC
Life/Health Trust to
Member Firms
Preferred Price Advantage
Product Flexibility
Dream Team
Compass: Professional Health Services
Designed Wellness
ACEC Preferred Pricing
2-50 Employees
2-50 Eligible Employees:
New Business
Medical Discounts
Ancillary Discounts
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The ACEC Life/Health Trust is seen as a single large employer;
therefore, rates all firms as though they are a 100+ size group
36 different plan design options
Can choose up to 2 different plans
Dental: 10% Discount off UHC Dental Rates
Vision: 5% Discount off UHC Vision Rates
Life: 30% Discount off UHC Life Rates
Disability: 25% Discount off LTD & STD Rates
Employer Sponsored Dental: 1% Discount off final UHC Medical Rates
Employer Sponsored Vision: 1% Discount off final UHC Medical Rates
Employer Sponsored Dental & Vision: 2% Discount off final UHC
Medical Rates
*ACEC Groups are not eligible for package savings
Firms that are Currently
with UnitedHealthcare
We can move current UHC business to the ACEC Life/Health Trust at
their UHC renewal period.
*You can request ACEC rates from your insurance broker
ACEC Preferred Pricing
51+ Employees
New Business
Medical Discounts
Ancillary Discounts
51-99 Eligible Employees:
• 12% medical discount other states (17% in KY & 20% in CA)
100+ Eligible Employees: 5% medical discount
ACEC Plan Designs:
• 150 ACEC Plan Options
• Group can choose up to 5 plan designs (50% financial spread)
• All Discounting is applied to the ACEC Plans
Dental: 10% Discount off UHC Dental Rates
Vision: 5% Discount off UHC Vision Rates
Life: 30% Discount off UHC Life Rates
Disability: 25% Discount off LTD & STD Rates
Employer Sponsored Dental: 1% Discount off final UHC Medical Rates
Employer Sponsored Vision: 1% Discount off final UHC Medical Rates
Employer Sponsored Dental & Vision: 2% Discount off final UHC
Medical Rates
*ACEC Groups are not eligible for package savings
Firms that are Currently
with UnitedHealthcare
We can move current UHC business to the ACEC Life/Health Trust at
their UHC renewal period.
*You can request ACEC rates from your insurance broker
Meet your ACEC
Dream Team
2- 50 Eligible Employees
51+ Eligible Employees
Renewal Account Executives
Laura Wiegert
Tiffany Rocha-Landkammer
Strategic Account Executives
Deb Goodman
Scott Bolens
Account Manager
Claims/Eligibility Questions
James Parmeter
Account Managers
Tracy Valentine
Jon Babler
Billing Advocate
Heather Jacobsen
Your dedicated account
management team is
U.S.-based, with 20+ years of
combined engineering industry/
health care coverage experience.
When you choose the ACEC Life/Health Trust
insured by UnitedHealthcare, you’re aligned with
experts who provide solutions that may lead
to healthier employees and lower health care
coverage costs.
ACEC Life/Health Trust is proud to announce our
partnership with Compass Professional Health Services.
The Compass program is now available to Trust members
and their families. We believe that this program will
provide significant value to our members by empowering
them to get the healthcare they deserve for a fair price.
What is Compass?
Compass is a patient-advocacy firm that lowers benefit costs with tools and support for healthcare
consumers.
What is Compass’ Value?
Compass lowers healthcare costs by up to 10%
How does Compass Lower Costs?
Compass lets employers take advantage of the lower prices within their existing network. In-Network prices
vary by 300% locally – that means the same CT Scan costs $500 or $1500 depending on where you go.
What makes Compass Unique?
Compass has created a proprietary price-transparency software tool based on tens of millions of medical
claims. Compass Health Pro patient-advocates then use that tool to give employees cost and quality
comparisons for medical services. Compass Health Pros continue to support employees with appointment
scheduling, bill review and other concierge services.
MISSION:
Provide member firms with a wellness program that
was designed by engineers for engineers.
THE WELLNESS PROGRAM WILL:
• Address the unique needs of our members
• Achieve outstanding health outcomes
• Distinguish the Consulting Engineer Industry as
the healthiest in the United States
What is designed wellness?
A Comprehensive wellness program created to improve health, wellness and
well-being of our member population. Designed wellness utilizes a secure, HIPAA compliant web portal and offers the
following features to participants: Personal Health Assessment, Biometric Screening, Lifestyle Coaching (Telephonic
and E-Coaching Classes). Health Trackers, Challenges and Competitions, Educational materials and more!
Who can Participate? Any firm that is currently insured by one of the ACEC Life/Health Trust medical plans is
eligible to participate in the program. ALL of your firm’s employees and spouses can participate and use all of the
program and web portal features including employees & spouses not covered by ACEC Life/Health Trust medical
insurance plan.
What will it cost my firm? There are no out of pocket costs to participating firms or their employees and
spouses. The Trust pays all participation costs (including biometric screenings) and also funds incentive plans for
employees and spouses covered by the Trust medical plan. There are three annual incentive plan options to choose
from: $50, $100, and $150. Each plan differs in the number of activities that are required to earn the incentive.
How can my firm benefit from Designed Wellness? Designed Wellness provides you with a unique
opportunity to access a high-quality wellness program that is usually only available to organizations with several
hundred employees. Wellness programs are a great added value to any benefits package and can provide you with any
or all of these outcomes: improvements in productivity and attendance, improved employee morale, lower turnover
rate, improved health status of employees, and reductions in health care costs.
To start Designed Wellness within your firm, please confirm your participation with Lindsay Naso, the Trust Wellness Coordinator,
at (708) 257-8332 or by email, Lindsay@aceclifehealthtrust.com
ACEC Renewals
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The ACEC Life/Health Trustees manage the member groups to a higher BCR
rate than the normal UnitedHealthcare book of business. Therefore, ACEC
Trustees (volunteer engineers) participate in the setting of the renewal rates.
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The Renewal Rates are calculated based on standard UnitedHealthcare
underwriting practices based on the market segment.
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The Renewal rates for ACEC groups are calculated across the entire book of
ACEC Life/Health Trust business. The renewal rates are then distributed to the
individual group in accordance with the experience of the group and to remain
consistent with how they fare outside of the Trust.
From 2007-2013 the ACEC Life/Health Trust has had greater than 93% Retention
Please feel free to reach out with any questions:
• Kaley Krause - Kaley_Krause@uhc.com 952-912-6784
States assigned to Kaley: AL, CT, DC, DE, FL, GA, IL, IN, KY, LA, MA, MD,
ME, MI, MS, NC, NH, NY, OH, PA, RI, SC, TX, VA, VT, WI, WV
• John Krebsbach – John_Krebsbach@uhc.com 952-912-6785
States assigned to John: AK, AR, AZ, CA, CO, HI, IA, ID, KS, MN, MO,
MT, ND, NE, NM, NV, OK, OR, SD, TN, UT, WA, WY