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Legal Notices and Disclosures

Plan and Product Notices

Employer-Sponsored & Marketplace Exchange Plans

  • Required State Notices

Electronic Communication Notices

We are required to provide certain information to you before you agree to receive electronic communications.

This notice applies to all Internet-based communications from us, including email, website and mobile applications.

Electronic communications include, but are not limited to:

  • Regulatory Notices
  • Plan Documents
  • Benefit Determinations and/or Information (e.g.; Explanation of Benefits, Health Statements, Claim Letters)

Electronic Delivery of Communications

By choosing electronic delivery you will receive communications electronically instead of receiving a paper copy.

The types of communications available electronically are subject to change, and if additional communications become available in an electronic format, you will receive those communications electronically. Occasionally, in addition to electronic communications you may also receive a hard copy document.

Your consent remains in effect until you withdraw it.  You may withdraw your consent at any time and choose to receive paper mailings by resetting your mailing and email preferences in your Account Settings on myuhc.com.

You have the right to also receive a free paper copy of communications that we are required to provide to you. To request a paper copy of a specific communication, call the member phone number on your health plan ID card.

If we attempt to deliver information to an email address you provide and the message is returned as undeliverable after several attempts, we will assume that you have withdrawn consent for electronic delivery and will begin sending the information to you in paper format. To ensure that you continue to receive emails from us, add the email “from” address to your email address book or safe list. To update your email address, log in to myuhc.com and go to the Change Mailing and Email Preferences page under Account Settings.

Requirements to Access and Retain Information

In order to receive and retain electronic communications, you must have access to a computer or other device which is capable of accessing the Internet and you must have software which permits you to receive and access Portable Document Format or “PDF” files, such as Adobe Acrobat Reader® version 6.0 or higher (available for downloading at http://get.adobe.com/reader). View the list of supported browsers.

This Consumer Communications Notice (“Notice”) describes some of the ways in which we may communicate with you. As used in this Notice, terms such as “we,” “us,” or “our” refer to current and future affiliated entities of UnitedHealth Group or our authorized service providers. This Notice applies when you agree to this Notice or this Notice is made available as a link or otherwise on or through our online and mobile websites, platforms, services, and applications (“Online Services”). This Notice governs (a) electronic delivery of  communications about existing benefits, programs, products, services, or tools and/or general health information via email, websites, and mobile applications (collectively, “Informational Electronic Communications”) and (b) informational calls and text messaging (“Informational Calls and Texts”), regarding the programs, products, or services that we make available to you.

You will have the opportunity to customize your preferences for some communications, including delivery options, and to update your telephone number and email address, on the appropriate communications preference page(s) for your Online Service(s). It is your responsibility to provide us with true, accurate, and complete contact information, and to maintain and update promptly any changes. You understand that failing to update your contact information may delay providing you Informational Electronic Communications. You release and hold us harmless from any consequences of your failure to provide us accurate contact information or to update your contact information.

We reserve the right to modify this Notice at any time. The modified Notice will be effective immediately upon posting. Your continued receipt of Informational Electronic Communications and Informational Calls and Texts will constitute your acceptance of the modified Notice.

A. Informational Electronic Communications

We may provide you with Informational Electronic Communications.   Informational Electronic Communications include, but are not limited to, information about your benefit plan, programs, products, or services that are or may be available to you in connection with your transactions with us, Online Services updates, general wellness reminders or information, prescription reminders, appointment reminders, general health information, newsletters, and surveys.

Any request to opt-out of receiving Informational Electronic Communications will be effective only after we have a reasonable period of time to process your request. Opt-outs may not apply to certain types of communications, such as account status, Online Service updates, or other communications.

Communications sent electronically may be provided either (1) via email; (2) by access to a website that we will designate in a notice we send to you when the information is available; or (3) by other electronic means. At times, in our sole discretion, we may still send you paper communications in lieu of, or in addition to, sending them electronically.

B. Informational Calls and Texts

When you provide us a telephone number, whether landline or mobile, we may contact you, using automated, pre- recorded, or non-automated means, to provide you information about existing benefits, programs, products, services, or tools.

Our Online Services may permit you to enroll in text messaging programs. The frequency and content of our text messages will vary by texting program.  As part of enrollment, each texting program provides specific information on how to unsubscribe or seek assistance.  Our Texting Terms and Conditions, as well as any program specific requirements apply to your interactions with us via text and are incorporated in this Notice by reference.

Certain laws require that we provide specific information to you in writing (“Required Plan Communications”). You can choose to receive that information from us electronically, which will be considered to be “in writing”. 

With your consent, we may provide Required Plan Communications to you electronically, and we may stop sending paper communications to you, unless and until you withdraw your consent to receive them electronically. Your consent to receive electronic Required Plan Communications includes, but is not limited to:

  • Legal and regulatory notices associated with the products and/or services offered by us
    Plan documents
  • Benefit Determinations and/or Information (e.g., Explanation of Benefits, Health Statements, Claim Letters)
  • Notices or disclosures about payment obligations or features
  • Privacy policies and notices (e.g., HIPAA Notice of Privacy Practices)
  • Certain tax statements or notices (e.g., Form 1095B)

The types of communications available electronically are subject to change, and if additional Required Plan Communications become available in an electronic format, you will receive those communications electronically. At times, in our sole discretion, we may still send you paper communications in lieu of or in addition to sending them electronically.

Method of Providing Required Plan Communications

Required Plan Communications sent electronically will be provided either (1) via email; (2) by access to a website that we will designate in a notice we send to you when the information is available; or (3) by other electronic means.

It is your responsibility to provide us with true, accurate, and complete email address information, and to maintain and update promptly any changes to your email address. You understand that failing to update your email address may delay our providing you Required Plan Communications. You release and hold us harmless from any consequences of your failure to update your email address or provide us an accurate email address.

Setting Your Required Plan Communications Preferences

After consenting to receive Required Plan Communications electronically, you can set your preferences to receive some categories of Required Plan Communications in (1) both electronic and paper format; (2) electronic format only; or (3) paper format only.  The ability to set your preferences may not be available for all products, accounts, services, or categories of communications. 

How to Withdraw Consent for Required Plan Communications

Your consent remains in effect until you withdraw it. You may withdraw your consent and choose to receive paper mailings at any time.  You can update your preferences on the applicable communications preference page(s) on the websites or mobile applications available to you or contact us at the applicable address or toll-free customer services phone number(s).  

Any withdrawal of your consent to receive Required Plan Communications will be effective only after we have a reasonable period of time to process your withdrawal.

If you provide us with an invalid email address, or your email address malfunctions, we may, in our sole discretion or as required by law, consider you to have withdrawn consent to receive Required Plan Communications electronically.

Requesting Paper Copies of Required Plan Communications

We will not send you a paper copy of Required Plan Communications unless you request it or we otherwise deem it appropriate or necessary to do so. You have the right to receive a free paper copy of Required Plan Communications.  Not all communications that we might send you are Required Plan Communications. To request a paper copy of a specific Required Plan Communication, contact us at the applicable toll-free customer services phone number(s).

Hardware and Software Requirements to Access and Retain Required Plan Communications

In order to access, view, and retain Required Plan Communications that we make available to you, you must have, at your own expense, the following:

  • Access to a computer or other device that is capable of accessing the Internet. Your access to this page verifies that your system/device meets these requirements;
  • An Internet web browser which is capable of supporting 128-bit encryption communications or higher;
  • An email account with an Internet service provider and email software; and
  • Software which permits you to access, view, and retain Portable Document Format or “PDF” files, such as a current version of Adobe Acrobat Reader® (which you can download at http://get.adobe.com/reader).

These Texting Terms and Conditions are applicable to individuals who have subscribed and expressly consented to receive text messages from United HealthCare Services, Inc., Optum Services, Inc., or their affiliates, subsidiaries, employees or agents (“us” or “we” or “our”).  Text messages will vary in frequency, by texting program.  As part of enrollment in a texting program, each texting program provides specific information on how to unsubscribe and how to seek assistance.  Text messages will be sent using an automatic dialing system to the mobile telecommunications device number (“Mobile Device Number”) provided to us.   

Age restrictions apply to texting programs. In order to participate, individuals must be 18 years of age or older and own and control the Mobile Device Number provided to us.  Individuals between the ages of 14 and 18 must have parental consent.  Individuals between 14 and 18 years of age who do not have parental consent, or individuals under 14 years of age, must unsubscribe from the texting program.

Individuals must immediately notify us if their Mobile Device Number changes.  We are not liable for any communication or transmission of information via text which occurs as a result of a change to Mobile Device Numbers that is not reported.  Password-protecting mobile device(s) and enabling encryption, if available, is recommended.  

UNDER NO CIRCUMSTANCES WILL WE BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL OR EXEMPLARY DAMAGES ARISING OUT OF OR IN CONNECTION WITH USE OF THE TEXTING PROGRAM(S) WHETHER OR NOT WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

If individuals are dissatisfied with the texting program or with these Terms and Conditions, their sole and exclusive remedy is to discontinue enrollment in the specific texting program.  Individuals who participate in the texting program(s) offered by us do so at their own risk.

We do not guarantee the successful delivery of text messages. Messages sent via text may not be delivered if the Mobile Device Number is not in range of a transmission site, or if sufficient network capacity is not available at a particular time. Even within a coverage area, factors beyond the control of wireless carriers may interfere with message delivery, including the customer's equipment, terrain, and proximity to buildings, foliage, and weather.  We will not be liable for losses or damages arising from (a) non-delivery, delayed delivery, or misdirected delivery of a text message; (b) inaccurate or incomplete content in a text message; or (c) use or reliance on the contents of any text message for any purposes.

Messaging and Data rates may be charged by mobile service providers. Content may not be available via all carriers. Participating carriers may include, but are not limited to: ACG, ALLTEL/AWC, AT&T Mobility, Boost, Cincinnati Bell, Metro PCS, Nextel, Rural Carrier Groups, Sprint, Tier 2/3 Group, T-Mobile, U.S. Cellular, Verizon Wireless, and Virgin Mobile.

These Terms and Conditions are governed exclusively by the laws of the State of Minnesota, without reference to its rules regarding choice of law.

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