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United Healthcare Makes Changes re Certificates of Credible Coverage


ACA Impact on CoCC Requirements

The Affordable Care Act eliminated the use of pre-existing condition exclusions for individuals of all ages for plan years beginning on or after January 1, 2014. Group health plans and issuers, however, were required to continue to issue HIPAA Certificates of Creditable Coverage (CoCCs) for the duration of 2014 since a plan year can begin late in the calendar year (as late as December 31).

Elimination of CoCC for Terminating Members

Because 2014 will soon be coming to a close, generation of HIPAA Certificates of Creditable Coverage (CoCC) upon member termination will no longer be necessary because the pre-existing condition limitations are fully eliminated in 2015.

UnitedHealthcare is taking the following approaches to provide a smooth transition for customers and members:

  • For self-funded customers, where we deliver HIPAA CoCC letters on their behalf, these letters will be discontinued as of Jan. 1, 2015. Member requests for ‘proof of lost coverage’ can be accommodated via our member call center.
  • For fully insured customers, letters will still go out. The existing CoCC letters are being modified as of Jan. 1, 2015 to remove references to pre-ex and instead of communicating as a ‘certificate of creditable coverage’ the letter will communicate ‘proof of lost coverage’ – these notices will include applicable state mandate information.

CoCCs as Proof of Prior Coverage Still Available

It is important to note that the process to support ad-hoc member requests for ‘proof of current coverage’ on active members is not changed as part of this transition.   

Some self-funded clients and large fully insured clients send their own HIPAA CoCCs.   These clients may discontinue notices that are specifically for HIPAA portability purposes.


ACA enrollment for Small Business – Myrtle Beach area.

Attention Small Businesses in the following places:

Myrtle Beach, North Myrtle Beach, Surfside Beach, Murrells Inlet, Pawleys Island, Georgetown, Carolina Forest, and Conway.

Sandhills Insurance Group is partnering with small business in the local area to conduct informational meetings and enrollment meetings for individuals who need affordable coverage.

Thanks to the Affordable Care, aka ACA and “Obamacare,” plans are available for nearly all income levels.  Subsidies make plans affordable for individual workers making as little as $11,670!

Sandhills Insurance Group agents are CMS approved, licensed, and appointed with BlueCross BlueShield of SC, BlueChoice Health Plan, Consumer’s Choice, Assurant Health, and United Healthcare.

Community response has been huge!  Sandhills is currently conducting enrollments on site at numerous local companies.

Email to schedule an appointment or request more information.

Open Enrollment – Instructions for Renewing Coverage

Renewal Process for November 15, 2014 through February 15, 2015

Renewing your coverage is easy with Sandhills Insurance Group.


Keeping your current plan

If you are happy with your current plans and do not want to make changes or are not receiving financial assistance, all you need to do is pay their January premiums as billed.

Sandhills Insurance Group is dedicated to helping those who are experiencing a life change or receiving financial assistance. Contact us to re-determine your eligibility with the Federally Facilitated Marketplace (FFM) starting November 15, 2014. This will ensure that you are able to take full advantage of the maximum financial assistance available to them.


Members can re-determine their eligibility for financial assistance and select coverage (“make changes”) to their plans any time between November 15 and February 15. For changes to take effect January 1, customers must make them between November 15 and December 15. This table outlines when changes will become effective based on when they are made.

Changes Made Between

Effective Date for Plan Changes

November 15 – December 15

January 1

December 16 – January 16

February 1

January 16 – February 15

March 1

Members who make changes after December 15 will keep their current plans until their 2015 effective dates. Plans will be adjusted for 2015 rates. Unless a member specifically requests that the IRS evaluates his or her circumstances during the eligibility re-determination process, Advance Premium Tax Credits (APTC) and Cost-Sharing Reductions (CSR) will remain at 2014 levels. These members will receive their January bills after December 15.

Open Enrollment Customer Fulfillment and Assets  

If a member chooses another ACA plan or has a change in status (i.e., he or she did not receive a subsidy in 2014 but qualifies for one in 2015), that person will receive a thank you package.  Members making a plan change should contact their insurance carrier to confirm billing.  If premium payments are not made in a timely manner, coverage may terminate or cancel, and new coverage may not take effect.

Sandhills Insurance Group is here for you!  

Call (843) 251-4896 or email to schedule an appointment to renew your plan, look at new options, or purchase coverage for the first time.


Roper St. Francis Joins Blue Option Network!

Great news! Starting January 1, 2015, BlueChoice Health Plan Blue Option individual members will have access to the Roper St. Francis network. This includes hospitals, diagnostic centers, urgent care centers and doctors in the Lowcountry. BlueChoice has once again expanded their Health Insurance Marketplace (HIM) network throughout the state. As a reminder, Spartanburg Regional Hospital joined the network earlier this year.

If you have any questions, please email or call (843) 251-4896.