Product Call - UnitedHealthOne - 08-06-2026
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Product Call - UnitedHealthOne - 08-06-2026
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Clay Mertes and UnitedHealthcare's Bobbi Jo Massey discuss preparing early for AEP by completing AHIP and contracting in advance, then focus on UnitedHealthcare Golden Rule/UnitedHealthOne senior ancillary products that help cover Medicare Advantage and Med Supp out-of-pocket gaps. Massey explains how benefit degradation, higher consumer exposure, and fewer SEP opportunities make cross-selling ancillary a way to protect seniors on fixed incomes, diversify broker income, and improve persistency. She details three key products—Advantage Guard hospital indemnity (GI age 74 moving to 79 on Aug 21 with optional riders and a plan recommendation tool), Critical Guard cancer/heart-stroke/critical illness (GI increases to 79 with optional wellness and Rx riders), and an accident plan—plus dental, vision, and a dental discount program. She highlights easy broker-assisted applications, flexible effective dates, claims payment metrics, and using the uhone.com/broker portal.