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Level Funded Prelim - Rate Initiate API Overview

1. Purpose​

UnitedHealthcare offers a digital service that allows authorized business partners to request and receive a preliminary underwriting estimate of health plan costs. This service provides a preliminary underwriting quote—essentially the final rates for potential pricing for Level Funded medical plans. It helps partners begin conversations with clients using high-level cost and status information.

2. Who can use this service​

  • This service is designed for approved UnitedHealthcare partners, including affiliates and organizations involved in quoting and enrollment.
  • It’s intended for business teams and technical implementers who integrate their systems with UnitedHealthcare’s quoting tools.
  • It is not available for general public use and requires coordination through official partner channels.

3. What information is available​

The service returns broad, summary-level information, including:

  • Preliminary underwriting cost for proposed Level Funded health plans.
  • Reference identifiers (e.g., quote IDs) to track and manage requests.
  • Status messages indicating success or issues with the request.
  • Basic underwriting quote details, such as plan categories and pricing summaries.

No personal customer data or detailed internal specifications are shared.

4. Benefits of this service​

  • Speed: Partners receive real time quotes without manual lookups or phone calls.
  • Consistency: All partners see standardized summary information, improving communication and alignment.
  • Efficiency: Integrates easily into existing platforms, allowing partners to focus on customer engagement.
  • Privacy-conscious: Shares only what’s needed to begin a conversation, protecting sensitive data.

5. Example uses​

  • A brokerage platform displays instant rate estimates for employer groups from multiple carriers.
  • An aggregator tool automatically retrieves a quote when basic group info is entered, streamlining the shopping experience.
  • A benefits consultant uses a mobile or web app to show a live estimate during a client meeting, without waiting for manual input.

6. Important notes​

  • Dynamic Content: Plan availability may change over time. Regular updates and communication with your carrier partner are recommended.
  • Access requires a formal partnership with UnitedHealthcare and is not self- service.
  • Support: Relationship managers and onboarding coordinators are available to assist with setup and integration.
  • Part of a Suite: This service complements other quoting tools (e.g., plan benefits by state, rates by group) but can be used independently.
  • This summary excludes technical details such as authentication, data formats, error codes, and endpoint URLs.
  • This overview is intended for marketing, onboarding, and public-facing materials and reflects the service’s high-level purpose and value.