Building savings opportunities into health plans with Consumer Savings Packages

Flexible offerings that focus on consumer savings and employer value.

June 25, 2024

UnitedHealthcare is introducing a simplified and flexible offering featuring strategically pre-packaged medical plans and value-added programs that focus on consumer savings and employer value.

These offerings feature incentives for having healthy employees through Performance Funding, in addition to products that offer cash to clients’ employees to help pay for care, and other household expenses such as:

Care Cash® – Offers employees up to $500 on a preloaded debit
UnitedHealthcare Benefit Ally® – A bundling plan that delivers a cash payout to employees without the need for any forms to be complete
Garner Health – A health plan addition that encourages care from quality network providers, and reimburses employees for certain out-of-pocket expenses

The Consumer Savings Packages from UnitedHealthcare can demonstrate significant savings opportunities for clients’ employees. All of these packages include the following employee value-added programs in their plan: 24/7 Virtual Visits, UnitedHealthcare Vital Medication Program, the Employee Assistance Program (EAP) and UnitedHealthcare Rewards – available to fully insured only Key Accounts and Public Sector customers in AK, AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NJ, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY. (Not available in: CT, ID, NH, NM, NY.)

For more information contact your UnitedHealthcare representative.

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Disclaimers

NOT FOR CONSUMER USE.

Available to groups 100+. These products are not available in all states.

*There are no penalties, fees or income restrictions associated with the debit card.

¹Employees receive $200 per year for individual coverage or $500 per year for family coverage which can be used for certain health care expenses.

²UnitedHealthcare Key Accounts Fully Insured book of business, 2020-2022.

The policies have exclusions, limitations, reductions of benefits, and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, call or write your insurance agent or the company.

Performance Funding: Performance Funding may be referred to as Performance Rewards in certain markets and group policies. Actual results will vary based on case size and the underlying plan design. Performance Funding program may not be available in all states. Performance Funding credit provided in subsequent year only if customer remains with UnitedHealthcare. Components subject to change.

Care Cash: Care Cash provides a pre-loaded debit card which can be used for certain health care expenses. If the card is used for ineligible 213(d) expenses, individuals may incur tax obligations and should consult an appropriate tax professional to determine if they have such obligations. The information provided in connection with Care Cash is for general informational purposes only and is not intended to be nor should be construed as medical advice. Individuals should consult an appropriate health care professional to determine what may be right for them.

UnitedHealthcare Benefit Ally: UnitedHealthcare Benefit Ally offers Accident Protection, Critical Illness, and Hospital Indemnity products provided by UnitedHealthcare Insurance Company. Each product provides separate limited benefits. Accident Protection, Critical Illness and Hospital Indemnity coverages are NOT considered “minimum essential coverage” under the Affordable Care Act and therefore none of the products satisfy the mandate to have health insurance coverage. Failure to have other health insurance coverage may be subject to a tax penalty. Please consult a tax advisor. The policies have exclusions, limitations, reductions of benefits, and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, call or write your insurance agent or the company. These products are not available in all states. UnitedHealthcare Insurance Company is located in Hartford, CT.

Garner Health: This policy has exclusions, limitations and terms under which the policy may be continued in force or discontinued. The Garner Health Reimbursement Account “Garner HRA” is a separate product offered solely by Garner Health Technology, Inc. (Garner). Underlying medical coverage is offered by UnitedHealthcare Insurance Company or one of its affiliates. Garner and UnitedHealthcare Insurance Company are separate independent companies and are not affiliated. Any questions related to the Garner HRA and/or rates should be directed to Garner. Any questions related to the UnitedHealthcare Insurance Company medical plan offering and/or rates should be directed to UnitedHealthcare Insurance Company. The Garner HRA is not required to be purchased with the UnitedHealthcare Insurance Company medical plan.

24/7 Virtual Visits: 24/7 Virtual Visits phone and video chat with a doctor are not an insurance product, health care provider or a health plan. Unless otherwise required, benefits are available only when services are delivered through a Designated Virtual Network Provider. 24/7 Virtual Visits are not intended to address emergency or life-threatening medical conditions and should not be used in those circumstances. Services may not be available at all times, or in all locations, or for all members. Check your benefit plan to determine if these services are available.

Employee Assistance Program: This program should not be used for emergency or urgent care needs. In an emergency, call 911 if you are in the United States or the local emergency services phone number if you are outside the United States, or go to the nearest accident and emergency department. This program is not a substitute for a doctor’s or professional’s care. Due to the potential for a conflict of interest, legal consultation will not be provided on issues that may involve legal action against UnitedHealthcare or its affiliates, or any entity through which the caller is receiving these services directly or indirectly (e.g., employer or health plan). This program and all its components, in particular services to family members below the age of 16, may not be available in all locations and are subject to change without prior notice. Coverage exclusions and limitations may apply.

UnitedHealthcare Vital Medication Program: Medications are categorized by common therapeutic conditions in this reference guide for ease of reference only. These categories do not determine coverage for the medication for your condition. Your benefit plan determines how these medications may be covered for you. Where differences are noted between this reference guide and your benefit plan documents, the benefit plan documents will govern. This document applies to commercial group members of UnitedHealthcare plans.

UnitedHealthcare Rewards: UnitedHealthcare Rewards is a voluntary program. The information provided under this program is for general informational purposes only and is not intended to be nor should be construed as medical advice. You should consult an appropriate health care professional before beginning any exercise program and/or to determine what may be right for you. Receiving an activity tracker, certain credits and/or rewards and/or purchasing an activity tracker with earnings may have tax implications. You should consult with an appropriate tax professional to determine if you have any tax obligations under this program, as applicable. If any fraudulent activity is detected (e.g., misrepresented physical activity), you may be suspended and/or terminated from the program. If you are unable to meet a standard related to health factor to receive a reward under this program, you might qualify for an opportunity to receive the reward by different means. You may call us toll-free at 1-866-230-2505 or at the number on your health plan ID card, and we will work with you (and, if necessary, your doctor) to find another way for you to earn the same reward. Rewards may be limited due to incentive limits under applicable law. Components subject to change. This program is not available for fully insured members in Hawaii, Vermont and Puerto Rico nor available to level funded members in District of Columbia, Hawaii, Vermont and Puerto Rico.

Insurance coverage provided by or through UnitedHealthcare Insurance Company or its affiliates. Health Plan coverage provided by or through a UnitedHealthcare company.

Building savings opportunities into health plans with Consumer Savings Packages

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