Unified Group Services

Unified Group Services Overview

Unified Group Services is a full-service third-party administrator (TPA) specializing in self-funded group health plans. Established in 1996 by Richard L. Mousty and Faith Hailey in Anderson, Indiana, the company's primary focus is on providing innovative programs and services that help employers effectively manage employee health plan costs while ensuring access to high-quality care. Their commitment to cost containment and strong client relationships has solidified their position in the market.

Overview

Year of Establishment and Background Story

Unified Group Services' journey began in 1996, humbly starting in the sunroom of founder Richard L. Mousty's home. The company's rapid growth quickly necessitated larger premises, leading to a move to offices in Pendleton, Indiana, and eventually to a substantial 13,000 square foot facility in Anderson, Indiana. This initial growth was a testament to their dedication and the market demand for their services. Subsequent expansions in 2008 and 2020 reflect their continued success and commitment to scaling their operations to meet the evolving needs of their clients.

Key Milestones in the Company’s History and Growth

• 1996: Founded by Richard L. Mousty and Faith Hailey.
• 2004: Relocated to a 13,000 square foot facility in Anderson, Indiana.
• 2008: Expanded the facility by an additional 9,000 square feet.
• 2020: Completed a significant expansion of over 11,000 square feet, including new claims processing rooms, offices, and even employee fitness facilities.
• 2021: Celebrated its 25th anniversary, marking a quarter-century of service to the healthcare industry.

Regulatory Compliance and Licenses

While specific details regarding Unified Group Services' licenses and certifications are not readily available in public sources, it's crucial to understand that as a TPA handling self-funded group health plans, the company is subject to and presumably complies with all relevant healthcare regulations and industry standards. This likely includes adherence to state and federal laws concerning data privacy, security, and the accurate administration of employee benefit plans. Further investigation into their compliance record may be necessary for thorough due diligence.

Insurance Products and Services

Main Insurance Products

Unified Group Services primarily concentrates on providing comprehensive health insurance solutions for self-funded group health plans. Their offerings include a broad spectrum of coverage options:

• Medical Insurance
• Prescription Drug (Rx) Insurance
• Dental Insurance
• Vision Insurance
• Flexible Spending Accounts (FSA) and Health Reimbursement Arrangements (HRA)
• Consolidated Omnibus Budget Reconciliation Act (COBRA) Administration
• Health Insurance Portability and Accountability Act (HIPAA) Compliance
• Custom Network Design and Management

Coverage Options and Policy Details

Beyond the core insurance products, Unified Group Services provides extensive plan administration, encompassing claim processing, eligibility management, and benefit plan design. They leverage technology and strategic partnerships to enhance their service offerings. For instance, the integration of tools such as Virgin Pulse, Unified Advisor, and Teladoc exemplifies their commitment to incorporating modern solutions for population health management and improving member wellness.

Additional Services

Unified Group Services goes beyond basic insurance coverage, offering a suite of value-added services designed to optimize plan efficiency and reduce costs:

• Unified Analytics: Provides comprehensive data analytics and reporting to give clients a clear understanding of their plan's performance and identify areas for improvement.
• Population Health Management: Through initiatives like Unified Care Connect, they actively manage chronic conditions, promoting better health outcomes and reducing healthcare costs.
• Claims Cost Control: Employs proactive strategies throughout the claims process to minimize expenses and maximize savings. This includes processes such as aggressive subrogation.
• All-Inclusive Pricing: Offers a bundled pricing structure that encompasses medical/Rx claims processing, specific and aggregate stop-loss claims filing, subrogation pursuits, benefit design consultation, eligibility maintenance, comprehensive semi-annual reviews, plan document restatement, Summary of Benefits and Coverage (SBC) preparation, and W-2 reporting. This simplifies administration and budgeting for clients.

Premiums and Pricing

Pricing Structure

Unified Group Services does not publicly advertise its premium rates. However, their emphasis on innovative programs and cost-containment strategies suggests a focus on providing competitive pricing structures that offer value to their clients. The company likely tailors its pricing to the specific needs and size of each employer group, resulting in customized quotes.

Comparative Analysis with Industry Averages

Due to the lack of publicly available data, a direct comparison with industry average premiums is currently impossible. However, the company's reputation for cost control and innovative solutions positions them as a potentially strong contender within the market. Potential clients should request detailed proposals and compare offerings from multiple TPAs to ensure they are obtaining the most advantageous plan.

Discounts and Special Offers

Information regarding specific discounts or promotional offers from Unified Group Services is currently unavailable through public channels. However, their established track record and focus on customer retention suggest the possibility of various incentives or loyalty programs offered to long-term clients. Potential clients are advised to inquire directly with the company regarding any available discounts or special offers.

Customer Service and Support

Contact Methods

Unified Group Services offers multiple avenues for clients to access customer support:

• Phone
• Email
• Live Chat (availability may vary)

Availability of 24/7 Support and Multilingual Assistance

The availability of 24/7 support and multilingual assistance is not explicitly stated on the company's website. While not explicitly advertised, given their focus on personalized service and client relationships, it is possible they offer such support depending on client needs. Prospective clients should directly inquire about the availability of these services.

Pros and Cons of Unified Group Services Insurance

Pros

• Potentially Competitive Premiums: The company's proactive approach to cost containment and innovative programs suggests competitive pricing, although specific rates are not publicly disclosed.
• Comprehensive Coverage: Offers a wide range of health insurance products and services, providing comprehensive coverage for employers and their employees.
• Strong Customer Relationships: Their ability to maintain long-term client relationships speaks volumes about the quality of their customer service and overall satisfaction.

Cons

• Limited Public Information: Relatively limited public information is available concerning specific policy details, pricing structures, and the full scope of their additional services.
• Lack of Direct Comparison: The absence of readily available comparative data makes it challenging for potential clients to gauge their competitiveness against other TPAs in the market.

Conclusion

Unified Group Services is a well-established TPA with a reputation for providing comprehensive health insurance solutions and a strong commitment to customer satisfaction. Their emphasis on cost containment, innovative programs, and personalized service makes them a potentially attractive option for employers seeking to manage employee health plan costs effectively. However, potential clients are urged to thoroughly research and compare options before making a decision, and to directly engage with the company to clarify any uncertainties regarding pricing, coverage, and services.

Recommendation: Unified Group Services is best suited for employers seeking comprehensive health insurance solutions with a strong emphasis on cost control and maximizing their return on investment. Their all-inclusive pricing model simplifies plan administration and allows for better budgeting.

Frequently Asked Questions about Unified Group Services Insurance

1. What types of insurance does Unified Group Services offer? Unified Group Services primarily offers health insurance products, including medical, prescription, dental, and vision coverage, as well as FSA/HRA and COBRA administration.
2. How does Unified Group Services control claims costs? They actively manage the claims process to reduce expenses and maximize savings. Specific methods are not publicly detailed, but likely involve a combination of proactive measures and technological solutions.
3. What additional services does Unified Group Services provide? Beyond core insurance, they offer data analytics, population health management programs, and all-inclusive pricing for comprehensive plan administration.
4. How does Unified Group Services ensure customer satisfaction? Their commitment to personalized benefit packages, expertise in cost-containment solutions, and superior customer service contributes to their high customer retention rate (though exact figures are not provided).

References

• [3] https://www.unifiedgrp.com/about/
• [4] https://www.unifiedgrp.com
• [5] https://www.dnb.com/business-directory/company-profiles.unified_group_llc.39a65e4fbf3501864fb22be45ffed0a0.html