01/2020: Prepare Today for Patients with Bind On-Demand Health Insurance

On Jan. 1, 2020, Bind on-demand health insurance will be available to all UnitedHealthcare employer groups across the nation.

The Bind plan overview:

  • Cost certainty – No deductible or co-insurance. Clear copays available before seeking care.
  • Broad network* - The Bind plan accesses one of the broadest networks.
  • Coverage - The member premiums cover preventive to emergency care, primary and specialist doctor visits, most diagnostic testing and prescription drugs, as well as treatment for chronic conditions, cancer and unexpected catastrophic events.
    • For a small set of plannable procedures with a variety of treatment options and locations, such as endoscopies or knee replacement, members can buy additional coverage (Add-Ins) at any time – but the member must elect this additional coverage at least three days before their procedure and pay an additional premium for a period of time, plus the copay for the service.

*Bind accesses UnitedHealthcare networks and contracts. Referrals are not required for Bind members. Bind members will have a member ID card that easily identifies the plan.

How to Prepare for Bind Benefits

Add the Bind Benefits, Inc., payer ID number into your systems; this is a critical step to avoid delays in claims handling and processing:

  • Bind Benefits Inc., is the payer, with a payer ID of 25463. Depending on your system, Bind Benefits, Inc., may be entered as the “insurance” carrier.
  • This payer ID may be attached to multiple networks.
  • Refer to the member ID card for the specific network accessed by the member.

Member Eligibility and Copays Can Be Verified through:

  • The network website address listed on the back of the member ID card.
  • The provider help/eligibility phone number on the back of the member ID card.
  • A 270/271 Health Care Eligibility and Inquiry Response.

Bind Member ID card

The sample member ID card identifies areas that will be helpful to you: payer ID/where to send claims, provider website to check eligibility and provider help phone number. Note: Each member ID card may look different depending on the employer, the member location and the location where provider services are rendered.

Front and back view of a Bind card


For protocols, please refer to the Administrative Guide at UHCprovider.com/guides or UHC On Air. You can also call the number on the back of the member’s ID card.