Connecticut MLR disclosures for UnitedHealthcare and Oxford applicants

Health insurers in Connecticut are required under state insurance law1 to disclose Medical Loss Ratio (MLR) to insurance applicants with each individual or group health insurance application for coverage.

Please notify your Connecticut UnitedHealthcare and Oxford clients about this information using the letters at the bottom of this article, as appropriate, and remind clients of their requirement for sharing this information with their employees.

Note that the MLRs reported here are not to be confused with the final federal MLR results for 2019 reported to the federal government in the second quarter of 2020.

The Connecticut MLR is defined as the ratio of incurred claims to earned premium for the prior calendar year for managed care plans issued in the state. It represents the percentage of total premium dollars that the insurer has spent on health care and activities to improve health care quality versus the percentage the insurer spent on claims. The MLR 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 Connecticut MLRs are as follows:

UnitedHealthcare Insurance Company MLR

UnitedHealthcare Insurance Company MLR
Year State MLR

Federal MLR - Small Group

(1 to 50 eligible employees)

Federal MLR – Large Group

(51+ eligible employees)

2019 85.3% 89.9% 87.1%

Oxford Health Insurance, Inc. Medical Loss Ratio (MLR) 

Oxford Health Insurance, Inc. Medical Loss Ratio (MLR) 
Year State MLR

Federal MLR - Small Group

(1 to 50 eligible employees)

Federal MLR – Large Group

(51+ eligible employees)

2019 86.9% 85.9% 87%

Oxford Health Plans (CT), Inc. Medical Loss Ratio (MLR)

Oxford Health Plans (CT), Inc. Medical Loss Ratio (MLR)
Year State MLR

Federal MLR - Small Group

(1 to 50 eligible employees)

Federal MLR – Large Group

(51+ eligible employees)

2019 85.8% 88.4% 87.2%

This information may also be accessed at the following locations: 

For more information, please contact your UnitedHealthcare representative.

Additional Resources

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Footnotes

  1. State of Connecticut Public Act 11-58.

Insurance coverage provided by or through UnitedHealthcare Insurance Company or their affiliates. Administrative services provided by United HealthCare Services, Inc., or its affiliates, Oxford Health Plans, LLC. Oxford HMO products are underwritten by Oxford Health Plans (CT), Inc. Oxford insurance products are underwritten by Oxford Health Insurance, Inc.