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Plan Availability by Zip Bulk Load API Overview

1. Purpose​

This service helps authorized partners quickly understand which types of benefit programs are available in a specific geographic area. Instead of manually searching through documents, users can ask, “What’s available in this ZIP code or state?” and receive a summary of the benefit categories offered there. It’s designed to support small-business benefit planning and includes broad product families like medical, dental, vision, and life insurance.

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​

When a partner queries the service for a location, they receive high-level insights such as:

  • Which types of benefit programs are available (e.g., medical, dental, vision, life)
  • Confirmation that the offerings are valid for the specified ZIP code or state
  • A broad view of available portfolios or brands, without exposing internal product codes or proprietary details

4. Benefits of this service​

  • Efficiency: Quickly access up-to-date benefit availability without manual research.
  • Consistency: Everyone uses the same reliable source of information, reducing errors and confusion.
  • Comprehensive Coverage: Includes all major benefit categories relevant to small businesses.
  • Scalability: Supports both single look-ups and bulk queries for larger planning needs.

5. Example uses​

  • A broker preparing a quote for a small business can instantly see available benefit categories for the customer’s ZIP code.
  • A partner integrating the service into their quoting tool can display relevant offerings without needing to manage backend data.
  • A market analyst can assess benefit availability across multiple ZIP codes to identify trends or gaps.
  • A relationship manager can verify that a partner’s territory setup is correct before launching sales efforts.

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.