January 2012

Dear Benefits Administrator:

We appreciate the opportunity to serve the health care benefits needs of your group and look forward to providing information and other resources designed to help your employees make informed decisions about their health care so they can lead healthier lives.

It's our goal to keep you informed on issues that affect your plan. To that end, this letter is intended to inform our Connecticut customers about the State of Connecticut Public Act 09-46, which requires disclosure of medical loss ratio to insurance applicants.

Health insurers are required to include a written notice of their medical loss ratio with each individual or group health insurance application for coverage, as reported in the insurance commissioner's last Consumer Report Card on Health Insurance Carriers in Connecticut.

Please share the following information with employees at the time of their application for UnitedHealthcare coverage:

The medical loss ratio is defined as the ratio of incurred claims to earned premium for the prior calendar year for managed care plans issued in Connecticut. It limits claims to medical expenses for services and supplies provided to members, excluding expenses for stop loss coverage, reinsurance, member educational programs, and other cost containment programs or features. The medical loss ratio for UnitedHealthcare Insurance Company for calendar year 2010 is 85.0 percent.

Please note: The 2010 medical loss ratios reported here are not to be confused with the final medical loss ratio results for 2011 to be reported to the federal government in the second quarter of 2012.

If you have questions about this notice, please call Client Services at 1-888-842-4571.

Thank you for choosing a UnitedHealthcare plan for your employees.

Sincerely,

UnitedHealthcare