| About Us |
At UnitedHealthcare, we are committed to improving the health care system.
UnitedHealthcare is an operating division of UnitedHealth Group, the largest single health carrier in the United States.
As a recognized leader in the health and well-being industry, we strive to:
- Improve the quality and effectiveness of health care for all Americans
- Enhance access to health benefits
- Create products and services that make health care more affordable
- Use technology to make the health care system easier to navigate
Our family of companies delivers innovative products and services to approximately 70 million Americans. UnitedHealthcare's nationwide network includes 751,609 physicians and health care professionals, 80,000 dentists and 5,629 hospitals. Our pharmaceutical management programs provide more affordable access to drugs for 13 million people.
We're committed to the delivery of quality care and its continual improvement. In fact, UnitedHealth Group made significant investments in research and development, technology and business process improvements – nearly $3 billion in the past five years. These investments led to changes that are improving the way care is delivered and administered across the entire industry.
| UHC Product Overview: |
Businesses today are faced with a lot of difficult decisions. Finding the right health care benefits plan should not be one of them. Shopping for value does not mean you have to settle for average. UnitedHealthcare is committed to finding solutions to fit your health care needs. Our UnitedHealthcare portfolio includes a variety of products with a wide range of affordable and flexible health plan solutions. Choose from traditional open access plans, account-based, tiered benefit, limited network and higher cost share plans. Or, if you select a package within our UnitedHealthcare MultiChoice® portfolio, your members can choose from multiple products and plan designs. We also have a variety of specialty benefit options for employers to couple with our medical plans so you have the ability to offer your employees a comprehensive benefit package.
| Delivering on What You Value Most |
| You Value: | UnitedHealthcare Plans Offer: |
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| A national network for care | The largest proprietary network |
| A choice of comprehensive benefit plan designs for my members to choose from | A variety of plan designs ranging from open access to primary care physician-centric to consumer-driven and more which can be sold as a package, allowing members to select the right one for them |
| Tools that help employees compare estimated costs and care options | Mobile, online or person-to-person resources that help employees make well-informed choices about where to go and who to see for high-quality,cost-effective care |
| Access to programs and services designed to enhance employee health | Personal services that offer support through nurses,counselors,care managers and online wellness programs |
| Outstanding customer service | Reliable,personal service and support for employers and employees |
| Tools that simplify administration for employers | A powerful suite of online tools and resources |
Integrated services can reduce your medical premiums based on the product combination you choose for your employees. See links below.
| Plan Descriptions: |
Medical Small Group Highlights (2-50 and 51-99 employees)
United Healthcare’s broad suite of fully insured innovative health insurance products offer a variety of health plans and plans design options with a range of employee choice, involvement and accountability.
| LEVEL OF MEMBER INVOLVEMENT-LOW |
| Unitedhealthcare Choice plus | Choice Plus gives members the freedom to see any doctor and visit any facility in our large nationwide network, including specialists,without a referral and without choosing a primary care doctor. If services are received outside of the network, costs will be higher. Choice Plus is a traditional health plan with copayments, coinsurance, deductibles and out-of-pocket maximums. |
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| Unitedhealthcare Choice | Choice allows members to see any network doctor,including specialists,or visit any network hospita, without needing a referral,however if services are delivered outside of our large national network, the plan will not cover the cost except in an emergency. While a primary care doctor is not mandatory, selecting one is recommended to help manage care. The plan also has copayments,coinsurance,deductibles and out-of-pocket maximums. |
| LEVEL OF MEMBER INVOLVEMENT-MODERATE |
| Unitedhealthcare Navigate Plus® | Navigate Plus is a gated product, intended to deliver traditional benefits at a more budget-friendly price-point while still providing the plan design flexibility. Members choose a primary care physician, who will provide care for the majority of the member's health care needs, including preventive and routine care, and sickness or injury. Because the primary care physician will understand the member's health needs thoroughly, they can best refer the member to other network physicians when additional care is needed. The highest level of coverage is provided when the member has a referral from their primary care physician prior to receiving services from another network physician, and a lower level of coverage if there is no referral. The lowest level of coverage applies if a non-network provider is used. |
| LEVEL OF MEMBER INVOLVEMENT-HIGH |
| Unitedhealthcare Catalyst® | Catalyst provides health care coverage by combining a comprehensive catastrophic plan with a limited pre-deductible upfront benefit allowance. The benefit allowance is used to help pay for certain eligible medical expenses before paying a deductible. |
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| UnitedHealthCare Choice Plus HSA | Available with Choice Plus and Choice, this consumer-driven health plan is made up of two parts: a high deductible health plan and a Health Savings Account(HSA). With these plans,you can open and deposit money, before taxes,into an HSA, which is your own personal savings account. Use the money to pay for eligible medical and pharmacy expenses, including your deductible, or save it for future expenses. |
| UnitedHealthCare Choice HSA | |
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Medical Self-Insured Small Businesses Health Plans – All Savers (10-99 employees)
Plans that don’t break the bank
The number one concern for small-business owners is the cost of health care.1 So, All Savers Alternate Funding plans were built with your small business in mind. They’re intended to help save you money – and help your employees get more out of their plan, too.
Did you know that 60 percent of small-business employees spend less than $1,500 a year on health care?It’s often for things like ear infections, broken bones, or routine checkups. But since those employees don’t meet their deductibles, they end up covering their medical costs out of their own pocket year after year. All Savers Alternate Funding plans are different.
Coverage before the deductible
These plans were designed to help members pay for everyday health care costs before the deductible. With All Savers Alternate Funding plans, every enrolled employee and covered spouse gets $1,000 of up-front coverage, called a medical credit.The medical credit can be spent on most everyday health care costs.
A different kind of plan
All Savers Alternate Funding is a self-funded health plan designed specifically for small businesses. It includes three parts:
- Your self-funded medical plan, which pays covered medical expenses of your employees and theirdependents.
- A third-party administration agreement between you and United HealthCare Services, Inc. for claims processing, billing, customer service, and other administrative services.
- A stop-loss insurance policy by All Savers Insurance Company. Stop-loss insurance protects the plan from large, catastrophic claims by an individual covered member, and provides overall protection in the event that all claim payments made under the medical plan exceed a certain dollar limit
Why would you want a self-funded health plan? Because you’ll pay lower premium taxes throughout the year, your plan won’t be subject to state mandates, and you’ll actually have the chance to get some money back.
To learn more about this benefit click on, All Savers Alternate Funding.
The following links are alternative ways All Savers can be implemented:
To find doctors, hospitals, or healthcare facilities that accept our plans by accessing our UHC Directory.
Medical (100+ employees)
Choose from a selection of pre-selected plan designs to match your current plan design. UnitedHealth care can offer plan designs on both a fully and self-insured funding arrangement. Dental If you think it is too costly to offer your employees dental coverage, it’s time to think about UnitedHealthcare dental. We offer a number of flexible and cost-effective plan designs that are supported by a large national and regional network and value-added services.
Dental
If your clients think it is too costly to offer employee dental coverage, it’s time to think about UnitedHealthcare dental. We offer a number of flexible — and cost-effective — plan designs that are supported by a large national and regional network and value-added services.
Click on Dental Capabilities and Dental Flyer for more information.
Refer to the Dental Quick Reference Guide
Vision
We’ve got good news for your clients who want to offer vision benefits to their employees. A vision plan from UnitedHealthcare offers a variety of funding options that range from employer-paid to employee paid, so your client can choose the one that works best for their company. We offer professional expertise and technical resources to take your client from sale to enrollment, including employee communications, customer service and ongoing administration. We make it easy for your clients, which makes it easy for you to sell.
Refer to the Vision Quick Reference Guide and Vision Small Business Employer Overview for more information.
Disability
UnitedHealthcare unites a comprehensive portfolio of specialty insurance products that can be purchased efficiently and cost‑effectively alongside medical for groups with 2–99 employees. (Products may also be purchased stand-alone.) For the 100+ market segment choose from Absolute Choice’s pre-selected designs or UHC will work with you to choice a design that meets your needs. Our disability insurance portfolio includes a wide range of benefit options, enhanced by flexible plan designs and claims management services with the goal of a timely return to work.
Refer to the Disability Quick Reference Guide for more information.
Life
Life insurance is vital to the financial security of your employees and their families. And we recognize this fundamental requirement by offering a variety of flexible life insurance plans. Use the buying power of your group to get affordable life insurance for your employees.
| Basic Life | Choose life coverage based on flat amounts, job level or a multiple of employee salary. |
| Basic plus dependent | Add dependent life coverage for spouses and children to the basic plan |
| Basic plus supplemental | Employees can choose to buy higher levels of coverage. Guaranteed issue amounts are available for life insurance and accidental death and dismemberment insurance based on participation and group size. |
| Basic, dependent and supplemental | Employees can choose to add both dependent and supplemental insurance to their basic coverage |
| Accidental death and dismemberment(AD&D) | AD&D provides coverage for loss of life or injuries incurred on or off the job and within 90 days from the date of an accident |
| Optional Enhancements |
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Refer to the Life Quick Reference Guide for more information.