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<h1><img width="192" height="73" id="_x0000_i1025" src="cid:image001.png@01D9F53F.E3A8B710"><o:p></o:p></h1>
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<p class="MsoNormal"><span style="font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif">October 2, 2023<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif"> <o:p></o:p></span></p>
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<span style="font-family:"Arial",sans-serif">To:<o:p></o:p></span></p>
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<span style="font-family:"Arial",sans-serif">Department Benefit Representatives<o:p></o:p></span></p>
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<span style="font-family:"Arial",sans-serif">From:<o:p></o:p></span></p>
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<span style="font-family:"Arial",sans-serif">Central HR Benefits Office<o:p></o:p></span></p>
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<span style="font-family:"Arial",sans-serif">Re:<o:p></o:p></span></p>
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<b><span style="font-size:10.5pt;line-height:110%;font-family:"Arial",sans-serif">U.S. Behavioral Health Plan, California – 2022 Optum Health Insurance Premium Rebate Letter<o:p></o:p></span></b></p>
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<p class="MsoNormal"><b><span style="font-family:"Arial",sans-serif"><o:p> </o:p></span></b></p>
<p class="MsoNormal"><b><span style="font-family:"Arial",sans-serif">DBRs please distribute to your internal list serv.<o:p></o:p></span></b></p>
<p class="MsoNormal" style="text-autospace:none"><span style="font-size:14.0pt;font-family:"Arial",sans-serif;color:black;mso-ligatures:none"><o:p> </o:p></span></p>
<p class="MsoNormal" style="text-autospace:none"><span style="font-family:"Arial",sans-serif;color:black;mso-ligatures:none">Optum Behavioral Health will send the U.S. Behavioral Health Plan, California 2022 Optum
</span><b><u><span style="font-family:"Arial",sans-serif;mso-ligatures:none"><a href="https://hr.ucr.edu/sites/default/files/2023-10/subscriber_notice_sample_large_usbhpc_0.pdf">Health Insurance Premium Rebate</a></span></u></b><span style="font-family:"Arial",sans-serif;color:#2E75B6;mso-ligatures:none">
</span><span style="font-family:"Arial",sans-serif;color:black;mso-ligatures:none">letter to the 2022 plan year subscribers of Kaiser Permanente HMO the week of September 25-29, 2023. These subscribers will receive this letter because they had Optum Behavioral
Health (Group 11280) benefits coverage in 2022. <s><span style="background:yellow;mso-highlight:yellow"><o:p></o:p></span></s></span></p>
<p class="MsoNormal" style="text-autospace:none"><span style="font-family:"Arial",sans-serif;color:black;mso-ligatures:none"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif;color:black;mso-ligatures:none">UC will post the attached standalone
</span><b><u><span style="font-family:"Arial",sans-serif;mso-ligatures:none"><a href="https://hr.ucr.edu/sites/default/files/2023-10/2022_medical-loss-ratio-faq-20230919_0.pdf">Medical Loss Ratio FAQ</a></span></u></b><span style="font-family:"Arial",sans-serif;color:#2E75B6;mso-ligatures:none">
</span><span style="font-family:"Arial",sans-serif;color:black;mso-ligatures:none">on UCnet, which has been updated for the 2022 rebate.</span><span style="mso-ligatures:none"><o:p></o:p></span></p>
<p class="MsoNormal" style="text-autospace:none"><s><span style="font-family:"Arial",sans-serif;color:black;mso-ligatures:none"><o:p><span style="text-decoration:none"> </span></o:p></span></s></p>
<p class="MsoNormal" style="text-autospace:none"><span style="font-family:"Arial",sans-serif;color:black;mso-ligatures:none">The Affordable Care Act requires insurance companies to use a certain amount of premium dollars to provide services. If they don’t
use that amount, the excess must be reimbursed as a rebate to the employer, and plan members
</span><span style="font-family:"Arial",sans-serif;mso-ligatures:none">must <span style="color:black">
be notified of the rebate. Please note that t</span>he Medical Loss Ratio is calculated across all Optum’s plans in a state and is not based solely on UC members’ utilization.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif;mso-ligatures:none"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif;mso-ligatures:none">As in prior years, UC decided to apply the member portion of the 2022 Optum Behavioral Health MLR rebate toward lowering future premium contributions, which resulted in a reduction
to the 2024 Kaiser/Optum Behavioral Health overlay employee contributions.</span></p>
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