Clear communication is the key to avoiding misunderstandings that can ultimately lead to dissatisfied consumers. When marketing and selling UnitedHealthcare products, it is crucial that you follow federal and state regulations, as well as UnitedHealthcare rules, policies and procedures.

At the time of enrollment, you must ensure the consumer fully understands that by completing the enrollment application, they are requesting to be enrolled in an Individual & Family Affordable Care Act (ACA) Marketplace plan. Engaging in any type of behavior that could be considered deceitful is prohibited.

To prevent miscommunications, you must:

• Conduct a thorough needs assessment to determine which plan best meets the consumer’s needs. This must be completed prior to enrollment and should include a review of the consumer’s current healthcare coverage, as well as an assessment of their lifestyle, financial situation and priorities 

• Provide a clear explanation of the enrollment process and what the consumer can expect. Be sure to provide detailed information about what they are agreeing to, including associated costs and the potential impact enrolling in a plan can have on the consumer’s existing healthcare coverage

• Confirm the consumer’s understanding of the plan and that they are requesting to enroll in an Individual & Family plan

To learn more about guidelines for enrolling consumers in UnitedHealthcare Individual & Family plans, please refer to the Agent Guide, Section 4: Enrollment.

To access the IFP Agent Guide, go to Jarvis > Knowledge Center > Training and Guides. 

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