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MLR Premium Rebate Checks to Begin Mailing in September

September 2, 2015

In the fourth Medical Loss Ratio (MLR) Reporting Year, UnitedHealthcare’s results show that 76 Aggregation Sets in total (group and individual combined) qualified to receive premium rebates totaling $117,626,280 for 2014. For the 2013 Reporting Year, 86 Aggregation Sets qualified for premium rebates totaling $89,902,103. An Aggregation Set is the combination of situs state, legal entity and group size.

 A total of 53 Aggregation Sets in the Group Market qualified to receive a premium rebate, compared to 56 the previous year. In the Individual Market, 23 Aggregation Sets qualified for rebate this year compared to 30 for 2013. 

Premium rebate checks will begin mailing in mid-September and will be staggered over a three-week period, with all required payments expected to be made by the September 30deadline set by the U.S. Department of Health and Human Services (HHS). Rebates will primarily be paid to the applicable policyholder; however, in a limited number of cases where a group policyholder written assurance was required but not received, the subscribers of those groups will receive the premium rebate checks. 

Final customer specific results were verified in early September.  Reports will be provided to Sales, Brokers and Consultants to assist customers with any questions regarding their eligibility for a rebate during the week of September 7, prior to any checks being mailed. The reports include the amount of rebate owed and paid as well as the MLR percentage achieved by the Aggregation Set in which the policyholder was grouped. 




Aggregation Sets



Group Business



Individual Business









Premium Rebates



In addition to the checks mailed to policyholders, notices of the rebate also will be mailed to the subscribers of those group policyholders receiving a rebate. Unlike the first MLR Reporting Year, no notices will be mailed to policyholders and relevant subscribers who did not qualify for a rebate. 

Brokers and customers with questions related to the rebate payout can call the Broker/Employer service line at (866) 802-8602.

For more information on MLR, please visit the United for Reform Resource Center.

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