Administered by

Fully Insured Health Plan

Our fully insured plan is administered by UnitedHealthcare (UHC). The Trust is at risk for covering all eligible health care costs after applicable member cost-sharing (i.e., deductible, coinsurance, copay) amounts have been met.  

National PPO Network

ACEC Life/Health Trust Members access the UnitedHealthcare Choice Plus national PPO network of providers and the pharmacy network of OptumRx ®.

Dedicated Customer Service

Our members are supported by a dedicated customer advocate team that has been exclusively supporting our members for over 15 years. Our products are unique to the Trust and these advocates are here to help our Members navigate a complex healthcare environment when you need it most. Watch the video and meet the team dedicated to our members.

Availability

Since 2007 we have worked with UHC to administer our medical and specialty plans. The Trust offers over 130 HSA and PPO plan options on UHC's Choice Plus network of over one million providers. We’re able to offer these plans to ACEC member firms who have an office in any of the 37 blue states in the adjacent map (certain restrictions may apply). Our fully insured plan offers many additional value added services not available to most groups including dedicated customer service, account management, and unique wellness programs designed for our unique members. Click here for more information on our fully insured plan.

For a list of plan options and availability, click here

Account Management

As an ACEC Life/Health Trust firm, you have access to a dedicated team of account managers at the Trust and UnitedHealthcare. We have over 15 years of experience in this relationship which we leverage to help our Members navigate complicated employee benefits. We do our best to simplify things by taking care of issues when they arise as quickly as possible.

Features of the Trust

  • Product and Price Flexibility - A broad product portfolio offers several medical plan designs ranging from traditional, open access plans to account-based, higher cost-sharing plans to fit your coverage and pricing needs.

  • Preferred Savings - You may receive savings on annual medical plan premiums, as compared to UnitedHealthcare insurance license products sold outside the ACEC Life/Health Trust.

  • Dedicated Service Team - A dedicated account service team is here to help you with more than 20 years of health care coverage experience.

  • A Broad Network - UnitedHealthcare has the nation’s largest single proprietary network. As of Q2 2023, that included more than 1.7M+ physicians and health care professionals over 7,000 hospitals.

  • UHC Rewards - A comprehensive wellness program designed to improve your health and well-being. 

  • Advocate4Me ® - Personal healthcare advisors helping you understand and benefit from your healthcare plan.

  • Virtual Visits - lets members choose a virtual visit provider group and see and speak to a doctor using their mobile device or computer. Members can obtain a diagnosis and a prescription if appropriate, which is sent to their pharmacy (subject to availability).

  • Calm Health - free membership that provides programs and tools to help support mental health and well-being.

Online Features & Services

  • Dedicated Trust microsite www.uhc.com/acec

  • Online administration is easy with Employer eServices®

    • Maintain eligibility information

    • Request medical ID cards

    • Review real-time postings for increased accuracy and efficiency

  • Employees can access www.myuhc.com to:

    • Find a doctor

    • Track their claims

    • Improve their health and wellness with online tools and resources

Additional information:

24/7 Virtual Visits is a service available with a provider via video, or audio-only where permitted under state law. It is not an insurance product or a health plan. Unless otherwise required, benefits are available only when services are delivered through a Designated Virtual Network Provider. 24/7 Virtual Visits are not intended to address emergency or life-threatening medical conditions and should not be used in those circumstances. Services may not be available at all times, or in all locations, or for all members. Check your benefit plan to determine if these services are available.

Advocate4Me: Advocate4Me services should not be used for emergency or urgent care needs. In an emergency, call 911 or go to the nearest emergency room. The information provided through Advocate services is for informational purposes only and provided as part of your health plan. Wellness nurses, coaches and other representatives cannot diagnose problems or recommend treatment and are not a substitute for your doctor’s care. Your health information is kept confidential in accordance with the law. Advocate services are not an insurance program and may be discontinued at any time.

Calm Health is not intended to diagnose or treat depression, anxiety, or any other disease or condition. The use of Calm Health is not a substitute for care by a physician or other health care provider. Any questions that you may have regarding the diagnosis, care, or treatment of a medical condition should be directed to your physician or health care provider. Calm Health is a mental wellness product, and is not intended to make any mental health recommendations or give clinical advice. Calm Health is not available to UnitedHealthcare E&I Fully Insured customers/members in District of Columbia, Maryland, New York, Pennsylvania, Virginia, and West Virginia due to regulatory filings. Employee benefits including group health plan benefits may be taxable benefits unless they fit into specific exception categories. Please consult with your tax specialist to determine taxability of these offerings. Images provided for illustrative purposes only. Members must be 16 years or older to use the services, unless a parent or legal guardian agrees to Calm “Terms.” The parent or legal guardian of a user under the age of 16 is subject to the “Terms” and responsible for their child’s activity on the services.

Insurance coverage provided by or through UnitedHealthcare Insurance Company.  Administrative services provided by or through UnitedHealthcare Insurance Company.