Group Medical Plans Washington State employers with 2 to 200 employees have access to a variety of exclusive group medical plans that provide AAOA members a competitive edge in attracting and retaining the best employees with AAOA Healthcare. Through a national partnership with UnitedHealthcare, a UnitedHealth Group (NYSE: UNH) company, the strength of UnitedHealthcare and the national provider network, AAOA members are provided with coverage options and resources that have only been available to large companies. AAOA Advantages AAOA empowers small businesses in Washington State to leverage their collective purchasing power and provide affordable, flexible health care solutions for their employees. AAOA offers employers a "Better Way to Buy Healthcare" by delivering the same tools and management strategies used by large companies to provide outstanding employee benefits. AAOA introduced fixed rate administration at the small group level to eliminate some of the inflationary pressure on premiums, and full financial disclosure so employers know what they are paying for with their premiums. Employers have access to AAOA’s e-Services platform at www.aaoamerica.org. The site allows employers to review all of the current information about their coverage’s, review current and past invoices, access benefit materials for employees, and submit eligibility changes online. AAOA e-Services saves an employer time and money by reducing the time spent to administrate benefits. Included in all AAOA plans is access for employees to myaaoabenefits.com. This interactive web site allows each covered employee to access their benefit information for all of the plans selected by their employer in one website. The site also provides covered employees access to AAOA Advantage benefits with discounts on rental cars, hotels, vacation rental destinations and more. Reviewing the Options Educating employers and implementing the tools and strategies used by large companies to manage healthcare costs, requires the assistance of well trained and knowledgeable consultants. To assure AAOA members receive the highest level of service in reviewing their needs and implementing healthcare strategies, AAOA members have access to the consultants of the AAOA in-house agency, Affiliated Services LLC. These consultants are experienced in business and highly trained to guide AAOA members in the process of defining and developing a Healthcare Management Strategy. "Better Way to Buy Healthcare."

Call Toll Free 1-866-968-0545

 

Cover Options AAOA offers a full range of integrated options from UnitedHealthcare’s product portfolio.  AAOA members, depending on their needs, have the ability to choose from 104 different plan options including: Preferred Provider PPO Plans Variety of deductible options Consumer Directed Health Plans Health Savings Accounts - HSA Health Reimbursement Accounts - HRA The plans are arranged into three continuums of benefits that allow employers to choose the plan design that meets their needs today and tomorrow: Premier PPO Plans are designed for quality of coverage with lower deductibles and co-insurance levels. Value PPO Plans are designed to provide employers with the most effective price points when choosing benefits, without sacrificing the quality of the coverage. Consumer Directed Plans provide employers with options that allow them to engage their employees in their healthcare decisions. There are a variety of Healthcare Savings Account (HSA) plan options, and Health Reimbursement  Account (HRA) plan options. Best of all, with these continuums, employers who face changing needs and economic conditions, will have the ability to select between the various plan designs and continuums without all of the paperwork, hassle, and disruption to their employees. This eliminates the need to jump from carrier to carrier each year and avoids the hidden cost associated with changing plans.   Discover "A Better Way To Buy Healthcare" Today! Call Toll Free 1-866-968-0545

 

 

Plan Advantages

All of the UnitedHealthcare plans include a complete suite of wellness programs and health coaches designed to help consumers make more informed health and lifestyle choices.  All UnitedHealthcare participants have access to www.myuhc.com, UnitedHealthcare’s award winning, interactive web site, where consumers can find more information about their benefits, print temporary ID cards, locate a physician, or health care facility, view physician quality ratings, review Explanations of Benefits (EOB’s), maintain a personal health record, chat with a nurse, and much more.

Plan Integrations

All of the plans are fully integrated to include a variety of tax savings plans at no additional cost! When you purchase your group medical coverage through AAOA and UnitedHealthcare the following Tax-Savings Plans are provided as an integrated benefit of the group medical benefits:

■ COBRA Administration  

■ FSA - Flexible Spending Accounts      

■ PTP - Pre-tax Premium (POP - Premium Only Plan)   

■ HRA - Pre-Tax Premium - (Premium Only Plan - POP)

Employers can eliminate paying thousands of dollars for separate administration of these integrations under AAOA Healthcare.

Now employers that have not been able to afford to offer these benefits, or haven’t offered these benefits in the past can find out what an "FSA" , "PTP", or HRA plan could do for your business. All companies participating under AAOA Healthcare are eligible to participate in the plan integrations.

Discover "A Better Way To Buy Healthcare" Today!

or Call Toll Free 1-866-968-0545

 

Why Vision Service Plan (VSP)? Think you don’t need an eye exam because you have 20/20 vision or have had laser vision surgery? Think again. Annual eye exams are important to your overall health. During your eye exam, a VSP doctor will look for vision problems and signs of other health conditions like diabetic eye disease, high blood pressure, and high cholesterol. That is why AAOA Healthcare includes the VSP Exam Plus Benefit with their medical coverage. VSP is the nation's largest provider of eyecare wellness benefits and is committed to providing outstanding vision benefit plans and member service. VSP is setting the standard by delivering vision care with the kind of personalized care and service that we would expect for ourselves. The best doctors provide the best care. At VSP we choose our doctors carefully based on their professional licensing, work history, education, malpractice history, professional liability and ethics. VSP optometrists are Therapeutic Pharmaceutical Agent (TPA) certified and our ophthalmologists are American Board of Ophthalmology (ABO) certified. The VSP credentialing process complies with the National Committee for Quality Assurance (NCQA) standards. This guarantees you'll get quality care when seeing a VSP doctor. Enhance Your Coverage Employers can enhance their vision coverage by selecting one of three Vision Hardware Benefit plans as an option in their group coverage with AAOA. A VSP employee benefit program from AAOA is the right choice when benefits matter and you want to provide a cost effective employee benefit that will make a difference.

Call Toll Free 1-866-968-0545

Step 1: Company Information Note: Washington State requires a minimum of 2 eligible employees to receive coverage. Company Information * Denotes required field Company Name * Zip * Type of Business * UBI Number Group Contact Name * Phone * Contact Title * Fax Company Address * E-Mail * City * Requested Effective Date (MM/DD/YYYY) * State * Comments     Current Medical Plan Information Renewal Date (MM/DD/YYYY) Current Carrier Individual Deductible Current Dental Plan Information Renewal Date (MM/DD/YYYY) Current Carrier Individual Deductible Current Rates   Medical Dental Employee Employee & Spouse Employee & Child(ren) Employee & Family

 

 

What is COBRA?

COBRA, or the Consolidated Omnibus Budget Reconciliation Act of 1985, enables employees and dependents who no longer qualify under an employer provided group benefit plan to continue insurance under the group benefit plan.

Who is subject to COBRA?

Generally speaking, if you offer a group health plan and had 20 or more employees on at least half of the business days in the prior calendar year, you must comply with COBRA. COBRA applies to group health, dental and vision plans as well as retiree health plans, medical flexible spending accounts, medical reimbursement plans, health reimbursement arrangements, and some employee assistance plans.

Employer Responsibilities

Qualified beneficiaries must be offered the opportunity to continue the same type of coverage as they had with their group plan when certain “qualifying events” occur. COBRA notices must be provided to each beneficiary when coverage is first obtained, when a qualifying event occurs and benefit coverage is lost.

What's in it for Employers and Employees?

You have better things to each day rather than hassle with all of the documents and administration of COBRA in your company. Save time and money when you let AAOA and United Benefit Services administrate COBRA with your current AAOA United Healthcare benefit plan.

COBRA administration can be ongoing and complex, but all you need to do is enroll your company in our COBRA program, notify us when a qualifying event occurs and we handle all of the administrative work to ensure that your plan complies with COBRA require­ments, all at no additional cost to you.

AAOA COBRA Services

When you have a UnitedHealthcare medical plan through AAOA you get streamlined COBRA administration at no cost for all your AAOA eligible plans. We will service all your COBRA needs with assured compliance and efficient record-keeping. When a qualifying event occurs, you simply notify AAOA by e-mail, fax or Internet and we do the rest. Our COBRA administration and processing includes:

Employee Support: Mailing of qualifying event notices with proof of mailing, written communication and reminders regarding account status (eligibility for COBRA disability extensions), monthly premium collection including notices of partial or late payments.

Employer Support: Examination/reconciliation of current participants’ account status for takeover; payment coupons provided to new participants and upon renewals; immediate notification of new elections or terminations; prompt delivery of a monthly consolidated check for received premiums; technical assistance on questions about administration or compliance; reports such as payment status of enrolled participants; and listing of distributed notifications and summary listings of coverage terminations.

Complete ARRA (American Recovery and Re-investment Act): Complete COBRA administration with separated billing by employee to providing employers the information needed to apply for 941 payroll tax credits timely.

Full Compliance Services: Appropriate distribution of HIPAA certificates when coverage is discontinued or expired, newsletters to inform you of any changes in regulations and a minimum seven years data archival.

 

Call: Toll Free 1-866-968-0545

or Email: info@aaoamerica.org

This service is complimentary when you purchase medical coverage through AAOA and UnitedHealthcare.

Simplified Benefits Administration

Save money and lighten your administrative responsibilities by offering Pre-Tax Premium plans. These services are available at no additional cost to you when you purchase medical coverage through AAOA and UnitedHealthcare.

Adding these plans to your benefit programs will enable you to reduce payroll-related taxes and increase employee satisfaction. All you need to do is enroll in these programs and UnitedHealthcare will provide all the support you need, including templates and tools to help you effectively communicate with your employees.

Pre-Tax Premium Plan

You and your employees can take advantage of a valuable tax reduction through a Pre-Tax Premium plan. The Pre-Tax Premium portion of Section 125 of the Internal Revenue Code allows for the payment of employer-sponsored insurance premiums on a pre-tax basis, resulting in savings to both the employer and their employees.

The allowable employer-sponsored insurance plans that can be paid for on a completely non-taxable basis are the portion of the premium being paid by the employee. Plans that qualify under Section 125 are:

 

Here's how you save

Under Section 125, employee pre-tax premium contributions are not considered taxable income. As a result, your total taxable payroll is reduced, directly lowering your payroll-related taxes. Because your employees have reduced their taxable income, they pay less in federal, state, Social Security and Medicare taxes and they can actually increase their take-home pay.

Pre-Tax Premium Plan Services

You don’t need to worry about handling the administrative aspects of a Pre-Tax Premium plan, UnitedHealthcare will handle it for you and will provide you with the necessary legal documents and filings required under Section 125. The following services are included in our Pre-Tax Premium plan.

What's in it for Clients and Employees?

It’s easy to implement a Pre-Tax Premium plan and save money. How much you save depends on your payroll and how much your employees contribute toward their benefits.

 

Call: Toll Free 1-866-968-0545

or Email: info@aaoamerica.org

1 These services are available to customers with 2 to 200 eligible employees. 2 Note: The legal entity under which the company operates can affect individual eligibility. Partners in a partnership or limited liability partner­ship, members (and spouse of a member) of a limited liability corpora­tion, self-employed individual of a sole proprietorship, and more than 2% shareholders (and family members of shareholders) in a Subchapter S corporation are not eligible to participate in a Section 125 plan. This service is complimentary when you purchase medical coverage through AAOA and UnitedHealthcare.

 

AAOA COBRA Services

Flexible spending accounts (FSAs), can help your employees save on out-of-pocket expenses not covered under most benefit plans. These expenses include deductibles, coinsurance, copays, prescription drugs, eyeglasses, day care services, and privately owned insurance policies.

When you add an FSA plan to your existing benefit package, your employees will be able to set aside portions of their salaries before taxes are calculated. This reduces employees’ taxable income, meaning they will pay less in taxes and end up with more money in their pockets.

The money set aside is automatically deducted from their paychecks and credited to their flexible spending accounts. As employees incur qualified expenses, they simply submit them to UnitedHealthcare and reimbursements are made from the plan.

FSA Services

Our comprehensive FSA services enable you to quickly implement an FSA plan and leave the administrative work to us:

Plan design services: Plan Document, Adoption Resolution and Summary Plan Description; Easy-to-understand instructions for using these materials

Choice of claims process and reimbursement options: Online submission; Fax; Debit card offering; Direct deposit or mailed check

Medical expense reimbursement account: Set minimums or maximums; Determination of employee eligibility and adoption of FSA grace period

Enrollment support: Customized enrollment forms; Enroll via e-mail, paper or online; Online forms and instructions: Ability for employees to calculate upcoming plan year elections

What’s in it for Employers and Employees?

As with a Pre-Tax Premium plan, any client can implement an FSA and save money. How much you save depends on your payroll and how much your employees contribute toward their benefits.

 

Call: Toll Free 1-866-968-0545

or Email: info@aaoamerica.org

Note: The legal entity under which the company operates can affect individual eligibility. Partners in a partnership or limited liability partner­ship, members (and spouse of a member) of a limited liability corporation, self-employed individual of a sole proprietorship, and more than 2% shareholders (and family members of shareholders) in a Subchapter S corporation are not eligible to participate in a Section 125 plan.

 

Please fill out the form below and click the 'Submit' button. An associate will contact you shortly after the form is received.

* Note: All fields are required

 

Group Dental Plans AAOA and UnitedHealthcare Specialty Benefits provide a comprehensive portfolio of group dental insurance products. The plans can be purchased efficiently and cost-effectively alongside medical for groups, as standalone group coverage, or as voluntary coverage with group’s of 2-200 employees. The dental insurance portfolio includes a wide selection of plans supported by a large national network, flexible plan designs, leading-edge technology and value-added services. UnitedHealthcare is committed to administrative ease, providing a simplified administrative platform and comprehensive online services. Coverage Options AAOA offers a full range of integrated options from UnitedHealthcare’s product portfolio. Depending on their needs, AAOA members have the ability to choose from 10 different plan designs. The plans are arranged into two continuums of benefits that allow employers to choose the plan design that meets their needs today and tomorrow. Premier Plans are designed for the quality of coverage and feature a variety of annual maximums, no waiting period for major dental services, and two voluntary plan options. Value Plans are designed to provide employers the most effective price points with plans that feature a variety of annual maximums, a 12 month waiting period for major dental services and one voluntary plan option. We want to make it easier for you We understand how important it is to have choices. That’s why with UnitedHealthcare Dental Options PPO plan, you can see any dentist you choose – in the network or not. You have access to our nationwide network of dentists. When you see a dentist in the network you save money and you won’t have to submit a claim form. Advantages of using network dentists You pay lower out-of-pocket costs, You have access to a broad network of dentists and specialists, We require network dentists to meet strict standards defined by the National Association of Dental Plans, You can visit any network specialist without a referral, You won’t have to file any claim forms.

Call Toll Free 1-866-968-0545

 

To locate a participating network dentist

You can view the online directory available via myuhcdental.com, You can call Customer Care at the toll-free number listed on your dental ID card

You also can see a dentist outside of our network if you like, only at higher out-of-pocket expenses. The only time you have to submit a claim is if you visit a non-network dentist. Simply pay for the service, and then submit a completed claim form to UnitedHealthcare. We will reimburse you once you’ve met your deductible.

Non-network plan payments are usually based on Reasonable & Customary fees. If your dentist charges more than the amount allowable by your plan, you will pay the difference, in addition to your coinsurance amount.

Increase your benefits with Consumer MaxMultiplier

With Consumer MaxMultiplier, UnitedHealthcare Dental awards you for getting preventive and diagnostic dental care. Your awards are funds for your dental care that accumulate, can be carried over each year, and are there when you need them.

We’ll even give you awards for claims you file up to 180 days after the benefit period ends. And if you don’t submit any claims during the benefit period, although you are not awarded any funds, you don’t lose any of your previously accumulated award balance.

You can use your awards for both network or out-of-network claims. However, you cannot use your awards for orthodontic services. Claims are submitted as any claim would be for dental services. Your awards will automatically fund any claims for dental services up to the amount you have in your balance – when you go over your original benefit period maximum.† Once the next benefit period begins, any leftover awards balance carries over into the next benefit period.

† Funds are not physical. They cannot be accessed or withdrawn by the member. Funds are automatically distributed by UnitedHealthcare Dental when the member utilizes the plan and exceeds the benefit period plan maximum.

myuhcdental.com

myuhcdental.com is the consumer website for UnitedHealthcare Dental products, offering easy-to-use online tools so your employees are able to clearly understand their dental benefits. The site tour navigates new members through available links and provides sample screens of the accessible reports and other beneficial information.

The industry leading Treatment Cost Calculator is a valuable tool that displays precise out-of-pocket costs based on the member’s specific benefit and selected dentist.

With myuhcdental.com, your employees have instant access to information as well as ongoing assistance with their benefits. They will also find trusted, reliable, and accurate information about their personal account. As a result, you develop an engaged, informed and self-reliant workforce capable of making cost-effective decisions with confidence.

Discover "A Better Way To Buy Healthcare" Today!

Call Toll Free 1-866-968-0545

Step 1: Company Information Note: Washington State requires a minimum of 2 eligible employees to receive coverage. Company Information * Denotes required field Company Name * Zip * Type of Business * UBI Number Group Contact Name * Phone * Contact Title * Fax Company Address * E-Mail * City * Requested Effective Date (MM/DD/YYYY) * State * Comments     Current Medical Plan Information Renewal Date (MM/DD/YYYY) Current Carrier Individual Deductible Current Dental Plan Information Renewal Date (MM/DD/YYYY) Current Carrier Individual Deductible Current Rates   Medical Dental Employee Employee & Spouse Employee & Child(ren) Employee & Family

Washington Dental Service Washington Dental Service, a member of the Delta Dental Plans Association, is the leading dental benefits company in Washington State, delivering over 50 years of high-quality, affordable dental care to more than 2 million people nationwide through association plans and employer-sponsored programs. Washington Dental Service is the oral health expert. Dental is all we do, and we do it right. Providers Statewide Washington Dental Service is a member of the Delta Dental Association and members have access to participating dentists across the state of Washington and across the country. (Find a Dentist) AAOA Plan Options AAOA Healthcare offers employers 5 PPO plan options for employers with 10 or more employees and 3 PPO plan options for employers with 5-9 employees.  All plan options include coverage for preventive, basic and major dental services. The different plan annual maximums allow employers to choose the plan that is right for their employees. Need Orthodontia Coverage? If you need orthodontia coverage, each of the AAOA plans are available with orthodontia coverage. Groups must have 10 enrolled employees to be eligible for orthodontia coverage.

Call Toll Free 1-866-968-0545

Step 1: Company Information Note: Washington State requires a minimum of 2 eligible employees to receive coverage. Company Information * Denotes required field Company Name * Zip * Type of Business * UBI Number Group Contact Name * Phone * Contact Title * Fax Company Address * E-Mail * City * Requested Effective Date (MM/DD/YYYY) * State * Comments     Current Medical Plan Information Renewal Date (MM/DD/YYYY) Current Carrier Individual Deductible Current Dental Plan Information Renewal Date (MM/DD/YYYY) Current Carrier Individual Deductible Current Rates   Medical Dental Employee Employee & Spouse Employee & Child(ren) Employee & Family

 

Medicare direction for your Medicare decision

Get Medicare guidance where it's convenient - your home

At SecureHorizons® health plans, we make choosing a Medicare plan easy and convenient for you. Call today to schedule a free, no-obligation, in-home visit appointment to learn about our Medicare Advantage plans. We will provide the simple answers you need to choose a Medicare plan that fits your needs.

SecureHorizons® health plans offer benefits, including:

• Monthly health plan premiums starting at $0*
• Predictable costs for doctor visits and medical services
• Part D coverage for almost 1,200 brand name and prescription drugs
• 60,000-plus pharmacies accept our Medicare drug plans

Find out how SecureHorizons® health plans can benefit you.

* You must continue to pay your Medicare Part B premium if not otherwise paid for by Medicaid or another third part.

SecureHorizons® Medicare Advantage plans are offered by United HealthCare Insurance Company and its affiliated companies, Medicare Advantage Organizations with a Medicare contract. Limitation, copayments and coinsurance may apply. Benefits may vary by county and plan.

 

* You must continue to pay your Medicare Part B premium if not otherwise paid for by Medicaid or another third part.

SecureHorizons® Medicare Advantage plans are offered by United HealthCare Insurance Company and its affiliated companies, Medicare Advantage Organizations with a Medicare contract. Limitation, copayments and coinsurance may apply. Benefits may vary by county and plan.

If you would like to become a member, please apply online today:

or Call Toll Free 1-866-968-0545

 

 

 

 

Please fill out the form below and click the 'Submit' button. An associate will contact you shortly after the form is received.

* Note: All fields are required

 

 

 

 

Sign up and start saving today

The ScriptSave® Prescription Drug Savings Card is available at no cost to you. There are no monthly or ongoing fees, no limits on usage and no income or age restrictions. You and your entire household can use the card to receive instant savings on brand name and generic medications. Savings average 22%, with potential savings of up to 50% (based on 2009 national program savings data). Over 53,000 participating pharmacies nationwide accept the ScriptSave® card.

ScriptSave® works for everyone

If you do not have health insurance, use the ScriptSave® card for any brand name or generic prescription you or a family member pays for out-of-pocket. If you have health insurance coverage, use the ScriptSave® card for any prescriptions that are not covered by your insurance or for savings for family members not covered by insurance. If you have Medicare and are enrolled in a Medicare Part D plan, use your ScriptSave® card for everyone in your household and for any prescriptions that are excluded by Medicare Part D law.

 

Additional Savings Opportunities

In addition to prescription savings, the ScriptSave® card also provides savings on vision care, hearing care, daily living products and diabetes care and supplies.

Vision Care - Save 40% off the retail price of frames, save on lenses and lens options (a complete pair of glasses purchase is required), 15% savings on conventional (non-disposable) contact lenses, 15% off the retail price LASIK and PRK Vision Correction Procedures, $5 off eye exam with dilation, $10 off contact lens exam. No limits on usage and savings at over 13,000 locations including both private practice providers and optical retailers such as LensCrafters, Target Optical, Sears Optical, JC Penney and most Pearle Vision locations.

Hearing Care - 15% savings on over 70 hearing aid models at 1,400 preferred providers. FREE, 10-step hearing evaluation to diagnose the extent of hearing loss. Beltone's exclusive BelCare Aftercare Program offers members lifetime cleanings, inspections, adjustments and service for any Beltone hearing instruments purchased at any Beltone location throughout the United States.

Daily Living Products - ActiveForever.com offers a wide selection of assistive daily living aids at guaranteed low prices! Cardholders receive a 10% discount.

Diabetes Care & Supplies - 15% savings on Envoy Health's full line of name brand and generic diabetes testing supplies delivered directly to your home. Customers receive free access to a Certified Diabetes Educator and a complimentary copy of the Envoy Health Wellness Letter - a quarterly publication with tips and advice on living with diabetes.

DISCOUNT ONLY - NOT INSURANCE. Discounts are available exclusively through participating pharmacies. You may cancel your registration at any time by contacting Customer Care.

 

If you would like to become a member, please apply online today:

or Call Toll Free 1-866-968-0545

 

 

Please fill out the form below and click the 'Submit' button. An associate will contact you shortly after the form is received.

* Note: All fields are required