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Tom DeLeo
Wanted to share an email I received.Enrollment is through Nov.24th,2010. Anita DeLeo
We all recently received a letter from the Benefits Service Center (BSC) concerning making changes to our insurance coverage and advising our new premium amounts for 2011. Unfortunately the letter is poorly written and doesn't properly explain that they are announcing a major change to the way they handle our premium payments. The change is that starting now, they expect us to take action to change the premium amount on file with the BSC. In other words, they are advising us what the new premium amount is, and they expect us to turn around and contact them to put it in their payment schedule for next year. We can either call the BSC at 1-888-825-0188 and obtain a password to sign into the www.ualbenefits.com or simply ask the representative to make the changes for us. The website is not very user friendly, so I recommend having the representative make the premium changes for us, although you may encounter a long hold time of 30 minutes or more to get through. If you plan to change your coverage in any way, be sure to tell this to the representative.
Having the representative change the premium amount for you is a two-step process. First, the current 2010 premium will be given an end date of 12/31/10, and the representative will read a statement to you and ask you to indicate that you agree. This statement is a summary of your responsibilities, including being responsible for any bank fees resulting from insufficient funds situations that may arise. The 2nd step involves entering the 2011 premium amount along with a start date of 01/01/11. The representative will again refer the the statement of responsibilities and ask if you agree with it. This should wrap it up unless you are also changing your method of paying your premium (e.g., paying by automatic withdrawals from your checking account, changing banks, paying upon receipt of an invoice, etc.).
The website www.ualbenefits.com has had problems with certain pages not being able to be downloaded and not allowing changes to be made. The website does have a survey you can take on the open enrollment procedures and this would be a good opportunity to let them know how poorly this important change has been handled.
One question you're probably asking yourself is, what happens if I don't do any of this - will I lose my coverage? So far this has not been addressed by United, but it's probably best not to take a chance.
Also, please pass this information on to your friends, especially those who do not have computers.
-John