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<p class="MsoNormal"><img width="183" height="70" id="Picture_x0020_2" src="cid:image001.png@01DC4265.431A9D20" alt="A blue text on a black background
AI-generated content may be incorrect."></p>
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<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><b><o:p> </o:p></b></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><b>October 21, 2025<o:p></o:p></b></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><b><o:p> </o:p></b></p>
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<p class="MsoNormal" style="margin-bottom:0in;line-height:normal">To: </p>
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<p class="MsoNormal" style="margin-bottom:0in;line-height:normal">Department Benefits Representatives (DBRs)</p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><o:p> </o:p></p>
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<p class="MsoNormal">From: </p>
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<p class="MsoNormal" style="margin-bottom:0in;line-height:normal">Central HR Benefits Office on behalf of UC Office of the President</p>
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<p class="MsoNormal">Re: </p>
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<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><b><span style="font-size:11.0pt;font-family:"Arial",sans-serif">2024 Optum Health Insurance Premium Rebate Letter for Medical Loss Ratio</span></b></p>
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<p class="MsoNormal" style="margin-bottom:0in;line-height:normal">____________________________________________________________________________________________________</p>
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<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><b>DBRs, please share this information via your internal listserv.
<u>Do not reply to this email.</u> Please send a separate email with questions to
</b><a href="mailto:benefits@ucr.edu"><b>benefits@ucr.edu</b></a><b>.<o:p></o:p></b></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><b><o:p> </o:p></b></p>
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<p class="MsoNormal" style="mso-line-height-alt:10.35pt"><span style="font-family:"Arial",sans-serif;color:#222222">On September 24, 2025, the U.S. Behavioral Health Plan, California, operating under Optum Behavioral Health and an affiliate of UnitedHealthcare,
sent the 2024 Notice of Health Insurance Premium Rebate to Kaiser Permanente CA HMO non-Medicare plan subscribers who had Optum Behavioral Health (Group 11280) benefits coverage in 2024. <o:p></o:p></span></p>
<p class="MsoNormal" style="mso-line-height-alt:10.35pt"><span style="font-family:"Arial",sans-serif;color:#222222">Samples of the notice and FAQ are available on <a href="https://ucnet.universityofcalifornia.edu/benefits/understanding-your-benefits/details-about-your-benefits/affordable-care-act/" target="_blank">UCnet
- Affordable Care Act</a>. Additional information can also be found by visiting <a href="https://www.uhc.com/agents-brokers/employer-sponsored-plans/news-strategies/uhc-will-begin-mailing-mlr-premium-rebate-checks-impacted-groups-september" target="_blank">UnitedHealthcare
on MLR premium Rebate</a>.<o:p></o:p></span></p>
<p class="MsoNormal" style="mso-line-height-alt:10.35pt"><span style="font-family:"Arial",sans-serif;color:#222222">Under the Affordable Care Act (ACA), insurance companies must spend a minimum percentage of premium dollars on health care services. If they
do not meet this threshold, the excess must be rebated to the employer, and plan members must be notified. The Medical Loss Ratio (MLR) is calculated across all Optum plans within the state—not based solely on UC member utilization.<o:p></o:p></span></p>
<p class="MsoNormal" style="mso-line-height-alt:10.35pt"><span style="font-family:"Arial",sans-serif;color:#222222">Details regarding the rebate for UC membership are as follows:<o:p></o:p></span></p>
<ul style="margin-top:0in" type="disc">
<li class="MsoNormal" style="color:#222222;mso-line-height-alt:10.35pt;mso-list:l0 level1 lfo5">
<span style="font-family:"Arial",sans-serif">Subscriber count: pending<o:p></o:p></span></li><li class="MsoNormal" style="color:#222222;mso-line-height-alt:10.35pt;mso-list:l0 level1 lfo5">
<span style="font-family:"Arial",sans-serif">Total rebate amount: $896,550.62<o:p></o:p></span></li></ul>
<p class="MsoNormal" style="mso-line-height-alt:10.35pt"><span style="font-family:"Arial",sans-serif;color:#222222">As in previous years, UC has elected to apply the member portion of the 2024 Optum Behavioral Health MLR rebate to reduce future premium contributions.
This will result in lower employee and retiree contributions for the Kaiser/Optum Behavioral Health overlay in 2026.<i><o:p></o:p></i></span></p>
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