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UnitedHealthcare Global Assistance & Risk (formerly FrontierMEDEX)

Retirees and active staff who have Aetna or Empire Blue Cross coverage, traveling or working 100+ miles away from home, can obtain emergency medical, travel and personal security assistance 24 hours a day, anywhere in the World through UnitedHealthcare Global (UHCG).  UHCG is a programme providing emergency medical assistance management — including coordinating emergency evacuation and repatriation — and other travel assistance services. 

 

Although you are automatically enrolled as an Aetna or Empire Blue Cross subscriber (with the cost built into the premium), to obtain the UHCG ID Card to use for access to the UnitedHealthcare Global Emergency Response Center, you must first create an online account and register with the UN’s UnitedHealthcare Global Assistance ID# 33211.  Once registered, logging into the UnitedHealthcare Global Intelligence Center (via desktop or mobile device) will give you access to Medical Intelligence Reports, Medical & Security Alerts (including access to a free Daily Travel Alerts email subscription) and other travel tools.

https://members.uhcglobal.com

[for Login via Mobile Device]  m.members.uhcglobal.com

 

* NOTE *  The UHCG ID card will have the vital information needed to use in the event assistance is needed: UN Policy Number, toll-free (US/Canada) and collect-call numbers, and the UHC Global email address.  Be sure to also have your Aetna or Empire Blue Cross Insurance information card available during the call as you will be asked to provide this for confirmation of coverage.

 

The ST/IC/2018/15 Information Circular (Annex VII) extract posted below provides details on the programme’s services: Medical Assistance, Travel Assistance and Online services.  It also contains important instructions on how to use the service plus a list of international toll-free access numbers.  Download and keep to bring!

ST/IC/2018/15: Annex VII details of UnitedHealthcare Global Assistance & Risk usage     

 

Also provided below are instructions provided by the Health & Life Insurance Section to assist in creating a UnitedHealthcare Global Intelligence Center Account.

   UnitedHealthcare Global - Creating a UHCG Intelligence Center Account  

 

UN Health & Life Insurance Section's link below provides Carrier information, summary of benefits, cost and eligibility details on their site. 

  UnitedHealthcare Global Assistance & Risk

 

2018 ANNUAL ASSEMBLY (25 June) – RELATED PRESENTATIONS

Report by AFICS/NY Vice President and Co-Chair, Insurance Committee, Mr. Jayantilal Karia  

<Key Points>

> Two (2) GS staff will be joining the Insurance Service as dedicated resources to promptly address retiree’s individual issues.

> A number of Medicare Part B reimbursements are being held in suspense accounts awaiting the submission of appropriate documentation by retirees eligible for this reimbursement.

> The Health and Life Insurance Committee (HLIC) has reviewed a number of cases where medical costs for some participants were higher than established thresholds of various insurance plans, and AFICS ensured that all cases were treated in a fair manner.

> The HLIC has held weekly meetings for the last three months with representatives of various Medical plans to review the overall experience in the use of the plans by the Participants in preparation for the 2018 renewals.  Some of the main issues reported were (1) escalating costs of medical treatments, especially for pharmaceuticals, (2) an increasing trend in the use of Emergency Rooms in hospitals, and (3) use of out-of-network physicians and other service providers such as physical therapists.

> After a number of intense discussions to review various options presented by the Administration, the HLIC has agreed to some changes in the premiums and benefits, first ensuring that these are kept to a minimum with adequate reserves for each plan.

> In order to ensure that future premium increases are kept to a minimum, members are urged (1) to discuss with their physicians the use generic medicines, which are significantly less expensive, (2) to use Urgent Care facilities instead of Emergency Rooms, which are more expensive in both the plan’s costs and in Co-Pay charges to Participants ($75 vs $25), (3) to use in-network providers, and (4) to use the Active Health Programme in the management of chronic conditions such as diabetes, hypertension, etc.

UN Health Insurance Programme – Presentation by Ms. Elma Witherspoon, Acting Chief of Section, Health and Life Insurance Section  

 

 

ASHI - After-Service Health Insurance

The United Nations offers optional After-Service Health Insurance coverage for eligible former staff members and their dependants. It is available only as a continuation, without interruption between active service and retirement status, of previous active-service coverage in a contributory health insurance plan of the United Nations.

  • Staff members are reminded that, among the eligibility requirements for after-service health insurance coverage, the applicant must be enrolled in a United Nations scheme at the time of separation from service.
  • It should also be noted that only family members enrolled with the staff member at the time of separation are eligible for continued coverage under the programme.

Enrolment in the after-service health insurance programme is not automatic.  Application for enrolment must be made within 31 days following the date of separation. Full details on the eligibility requirements and administrative procedures relating to after-service health insurance coverage are set out in administrative instruction ST/AI/2007/3 (available below), dated 1 July 2007.

  Retirees and Survivors - UN Health & Life Insurance site

 

UN INSURANCE INQUIRIES

  CONTACT US Form

The UN Health & Insurance Section offers an online form to submit any questions or inquiries you may have. They indicate that you will receive a confirmation e-mail after submitting the form, and that your submitted form will be routed to the appropriate party in the Health and Life Insurance section for processing. The Section will strive to initiate a response to all request within 3 business days.

 

ASHI Memo to UNHQ Participants

UN's Annual Memo to Participants on Health Insurance Plan Changes (effective 1 July)

  1 July 2018

 

FORMS

  UN Insurance FORMS

On their website, the UN Health & Life Insurance Section indicates that for most benefits activities a form must be completed, and provide links to the forms required for most Health and Life Insurance actions.   Following is what you will find of relevance:

 

> Health Insurance:  Enrollment

Information on determining insurance plan eligibility and steps to follow.

> Health Insurance:  Claims

Guidelines for submitting a claim.

> Health & Life Insurance:  Conversion

Information on options available to continue health insurance coverage once leaving the UN insurance programme.

> Medicare Part B

Summary of Medicare Part B requirement for all eligible ASHI participants, plus links to Medicare-related forms:

  • Medicare Part B Annual Reimbursement Form
  • Medicare part B Bank Information Form
  • Declaration of Medicare Ineligibility

> 2018 Annual Campaign – Deductible Credit Request

Information on addressing existing out-of-network expenses if you are moving from Aetna to Empire or the reverse during the Annual Insurance Campaign period, usually held in the month of June.

> Checklists

Checklists developed by the Health & Life Insurance Section to assist staff members, retirees, surviving spouses in providing the necessary documentation for special situations of relevance:

  • Surviving Spouse (and dependent children in applying for ASHI)
  • Medicare reimbursement
  • Medicare ineligibility
  • ASHI application checklist

 

TIPS FOR FILLING IN FORMS

Per the UN Health & Life Insurance Section, make sure you are using the correct form and are following the instructions provided.  When completing forms always make sure you:

  • Confirm that you are using the correct form
  • Use black ink
  • Print clearly; make sure others can read your information
  • Complete all applicable fields on the form
  • Sign and date the form
  • Keep a copy of the form for your records
  • Keep details regarding how you turned-in the form

 

CONTACT INFORMATION

UN Health and Life Insurance Section



ashi@un.org   Retiree email
insurance-unhq@un.org   Active staff email
Note:  All emails are tracked via iNeed and responses are sent from ids@un.org.  
Mondays to Fridays: 1:00 pm - 4:00 pm   Client service hours
FF-300 (3rd floor)   Office Location
304 E. 45th St., New York, NY10017 USA  
(212) 963-5804    Health Insurance Inquires
(917) 367-1670   Office Fax Number
   
(917)- 367-9727 DEDICATED MEDICARE PHONE LINE FOR RETIREES
 

Monday, Wednesday, Friday:
9.00 a.m. - 12:00 p.m.;

Tuesday, Thursday:
10.00 a.m. - 12:00 p.m. and 2:00 p.m. - 4:00 p.m.

 

CURRENT PLANS AVAILABLE TO RETIREES

Following are the related health plan descriptions and carrier information provided by the UN Health & Life Insurance Section:

Medical (US based)  Annex II (ST/IC/2017/18) United States-based medical benefits: plan comparison chart

Dental (US Based)  This plan covers dental care only. The dental PPO programme offers a large network of participating providers in the Greater New York Metropolitan area and nationally.

Medical/Dental (International - Non-US)  The UN Worldwide Plan administered by Cigna covers staff members and former staff members who reside in all parts of the world, except the United States of America. 

Medical/Dental (Locally Recruited - Non-US)  The Medical Insurance Plan (also called “MIP”) is a plan for locally recruited staff, retirees and their eligible dependants at designated duty stations outside of UN Headquarters. It is voluntary for retirees who meet the eligibility criteria for after service health insurance coverage.

 

Medicare Part B Requirement for ASHI Participants

What is Medicare?

Medicare is the US federal health insurance program for people who are 65 or older.  It has different parts that cover specific services.  Medicare Part B (Medical Insurance for US-based doctors) helps cover doctors' services, hospital outpatient care and home health care, as well as some preventive services to help maintain your health and to keep certain illnesses from getting worse.  This coverage, called Original Medicare, is what you need if you are a retiree enrolled in a New York Headquarters plan.

 

You are eligible for Medicare Part B if you are a US Citizen or have lawfully resided in the United States for a minimum of 5 years, including periods under a G-4 visa.

IDS Annex 1 - Summary of Eligibility Rules (Medicare Parts A & B)  

 

< Key Points >

> Effective 01 January 2011, the UNHQ Medical Programme required all UN After Service Health Insurance (ASHI) participants and their dependents enrolled in a US-based plan, who have reached the age of 65, to enroll in Medicare Part B as soon as they become eligible in an effort to contain medical costs.

> If you are entitled to US Social Security payments, you will be automatically enrolled as you approach age 65 and should receive a card in the mail.  If you are not entitled to Social Security or if you declined to enrol when you reached age 65, but need to enrol in Medicare Part B, you may do so by contacting your local Social Security Administration office. You can locate your local office by going to the Social Security Administration (SSA) website, www.socialsecurity.gov.

> Medicare Part B enrollees must pay a monthly premium, for which ASHI participants will receive a full subsidy from the UN.  All participants must provide a copy of their Medicare statement to the UN Insurance and Disbursement Service as evidence of payment of the Medicare Part B premium on a yearly basis in order to receive the subsidy.  Further details are provided below.

If you (and/or other family member) are deemed not eligible for Medicare Part B by your local Social Security Administration (SSA), the Insurance and Disbursement Service indicates that this needs to be reported to them.  Please provide the document from the SSA indicating this information along with the Declaration of Medicare Part B Ineligibility form (available below) and a copy of your passport or residency card, whichever applies to your situation. This is important as this document will waive your carrier’s adjudication of your claims.

Declaration of Medicare Part B Ineligibility (2017 Form)   

 

The UN’s Insurance and Disbursement Service has prepared a comprehensive Medicare FAQ document, posted below, with the following sections:

  • Section I: Eligibility & enrolment
  • Section II: Benefits
  • Section III: Coordination of Benefits (COB) & claims
  • Section IV: UN subsidy/Reimbursement
  • Section V: Miscellaneous

Medicare FAQs 2017  

For further information on Medicare and Medicare Part B, the Association has a separate page on this website under US Resident Issues; use the link below for easy access.  Also provided below is a link to the UN Insurance website page and the US Federal Government’s official Medicare website.

  Association's Medicare Part B page

  Medicare Part B - UN Health & Life Insurance site

  MEDICARE.GOV - Official US Govt site

 

Subsidy Related to Participatory Contributions in Medicare Part B

IMPORTANT!  All former staff members and dependents (including surviving spouses and eligible dependent children) who are enrolled as participants in the after-service health insurance and who qualify for participation in Medicare will receive a subsidy equal to 100 per cent of their contribution towards participation in Medicare Part B as of 1 January 2011.

Effective 2016 the UN has changed its method for Medicare reimbursement.  It no longer reduces your ASHI contribution as was the process from Jan 2011-Nov 2015.  As of now and with the new ERP system (Umoja), Medicare is reimbursed to the retiree's banking account on a monthly basis on the last working day of the month.

The UN Health and Life Insurance Section will need to receive a duly filled "Medicare Part B Annual Premium Reimbursement Request" form (copy below) along with a copy of the letter/notice from SSA indicating premium amount before refunding any premiums. If you are submitting for the first time, you must also submit a copy of your Medicare card. This request only needs to be submitted once a year, unless there is a change in your monthly Medicare Part B premium.

Medicare Part B Premium Reimbursement Request (2018 Form)  

 

ActiveHealth Health Management Programme

“ActiveHealth” is a new health benefit programme now available to all Aetna and Empire Blue Cross health insurance plan participants to improve health management and lower health insurance costs.  Enrollment is automatic but only for Aetna and Empire.

UN Health & Life Insurance provides additional information and two short movies about ActiveHealth.

  ActiveHealth Health Management Programme

 https://www.myactivehealth.com

 

Some FAQs (Frequently Asked Questions) from UN Insurance

As a retiree which section do I contact for a change of address or a change to my health insurance coverage?

You must provide written notice to the Insurance Service with request for any changes.  Information relating to insurance should not be sent to the Pension Fund.  However, change of address request must be sent to both the Insurance Service and the Pension Fund, since these two systems are not electronically linked in any way.  Any request for changes must be made by the primary insured and not any other person, unless we are provided with a Power of Attorney authorization to do so.

As a retiree will I be able to change insurance plans?

You may elect to change plans at retirement or remain in your present plan.  You will be required to remain in the chosen plan at retirement for a minimum of 2 years before you are allowed to change plans. You may request this change by sending a written request to the Insurance Service. Do not send notice to the Pension Fund.  If you are retiring in the United States or you have covered dependants in the United States, you cannot enroll in the Van Breda plan.  The Van Breda plan is for staff members who are residing outside of the US and do not have dependants living in the US.  US-based retiring staff members or those with US-based dependants must elect a US-based Insurance plan.

I retired in the US but I am now moving abroad. Do I have to wait two years before switching to the UN Worldwide Plan?


In cases of change of country of residence, the two year wait period does not apply. You may request to switch to the UN Worldwide Plan in writing when leaving the US for a long period of time. Please note that you will need to provide an overseas address.

I am retiring but my spouse is active, what do I do?


If one spouse retires from service with the Organization before the other spouse, the spouse remaining in active service must become the subscriber. This applies even if the retired spouse had been the subscriber up to the date of retirement and is otherwise eligible for after-service health insurance coverage following separation from service. If both staff members have separated from service and if each individually is eligible for after-service health insurance coverage, the cost of the contribution towards the after-service health insurance coverage must be borne by the former staff member with the higher pension.

 

 

Who is eligible for After Service Health Insurance?

The following briefly summarizes ASHI eligibility requirements for retiring staff members and their eligible dependants. For more exhaustive information, please refer to ST/AI/2007/3.

Retiring Staff:

  • Must be a staff member of the UN, UNICEF, UNDP, UNOPS, UNFPA, UN WOMEN. Staff members retiring from the liaison offices of some UN System organizations who were covered through the Direct Billing Programme are also eligible for ASHI coverage. 
  • Must be at least 55 years old or over;
  • Must be enrolled in a UN Health Insurance plan at the time of retirement;
  • Must elect to receive a monthly pension benefit. The pension may be deferred up to full retirement age, but withdrawal settlements make a retiring staff member ineligible for ASHI.
  • Must have at least 10 years of health insurance participation under an eligible contract for subsidized ASHI participation. If less than 10 years of health insurance participation but more than 5 years of health insurance participation under an eligible contract and the staff member was hired before 1 July 2007, the staff member is eligible for unsubsidized ASHI participation until the 10 year requirement is met. For those hired on or after 1 July 2007, the eligibility requirement is 10 years under an eligible contract for ASHI participation and for subsidy. This means that they cannot continue their insurance coverage under ASHI unless they have accumulated 10 years of insurance participation at the time of retirement while employed under an eligible contract;
  • Staff members and dependants granted a disability benefit by the UNJSPF (age and participation requirements are waived in these cases).

Dependants covered at the time of the staff member’s retirement are eligible to continue their coverage provided:

  • The staff member applies for them when applying for ASHI;
  • Dependant children have not reached age 25 at the time of retirement, except in case of disability 
  • That they have been covered for at least five years (or two years if they were covered by a government or private insurance) in the case of a staff members hired on or after 1 July 2007 (please see ST/AI/2007/3 for more details) except of course newly acquired dependants. 
  • If a dependant child is disabled and 25 or older, the disability must be certified by the Pension Fund.
  • Surviving spouses and dependants of active or retired staff members are also eligible provided they were covered under the staff member’s policy at the time of his/her death.The application time limit for Surviving spouses and children of staff members who die in service is of ninety (90) days following the staff member’s passing.

Important Consideration: Please note that in accordance with the ASHI AI and Section 7.3 of ST/AI/2001/2 the participatory years under the limited duration appointment are not included in the calculation of eligibility as the rules state enrolment in a United Nations contributory health insurance plan by a staff member under an ALD appointment shall not be counted for the purpose of determining eligibility for coverage under the United Nations after-service health insurance programme.

 

Affordable Care Act (ACA)

We have had some inquiries about the possible impact of the Affordable Care Act (ACA), also known as "Obamacare", on UN After-Service health plan benefits.  Please be assured that there should be no impact on any UN retiree, dependent or survivor who is covered by a UN After-Service Health Insurance plan because it is unlikely that those mandated by the ACA would provide better coverage. The UN plans are not affected by the new legislation and will continue to be available to the retirees who participate in them.

 

HR Portal - Health Insurance

 UN Health Insurance Programme in brief

  • Health insurance plans are either:
    a)     US-based for staff members in the United States and retirees whose country of residence is the US. If a non-US based staff member has a family member residing in the US, or plans to seek care in the US, then they have the option of selected a US-based plan.
    b)     Non-US for internationally recruited staff members.
    c)     Non-US for locally recruited staff members.
  • The UN health insurance programme is a mostly self-funded health benefit plan, meaning that the yearly contributions paid by the participants and the subsidy paid by the UN (collectively referred to as “premiums”) are used to cover actual claim costs plus a fixed administrative fee.
  • The General Assembly has mandated cost-sharing ratios between the staff and the UN towards the cost of the programme. The premium cost a staff member will pay to be a participant each year is based on the cost of medical or dental treatment received by United Nations participants in the plan in the prior year and projected costs for the current planned year which run from July to June.
  • Health insurance provisions are described in the Staff Rules and in the annual Information Circular published each year to detail the policies, rates, terms and conditions of insurance benefits.