UnitedHealthcare provides access and potential savings opportunities throughout Delaware

UnitedHealthcare is committed to working with employers to implement cost management strategies that meet the moment.

Dec. 14, 2023

As health care costs are expected to continue to rise, and employers and their employees face increasing economic challenges, UnitedHealthcare is committed to working with employers to implement cost management strategies that meet the moment.

In Delaware, UnitedHealthcare provides solutions that may result in cost savings for employers and employees.

Network access

With most plan designs, employees may pay less for health care by choosing providers in their network. That’s why UnitedHealthcare offers access to various networks throughout Delaware so employers can choose what works best for their employees, as well as their budget.

UnitedHealthcare Level Funded

A different kind of health plan, UnitedHealthcare Level Funded is designed to provide a different way to balance the cost savings plan sponsors are looking for with the benefits plan participants want. UnitedHealthcare Level Funded plans may offer an average 17% savings¹ compared to our fully insured plan and potential to earn a surplus refund if claims are lower than expected.

Available for groups sized 5–300

Surest

The Surest health plan is designed to give people power over their health insurance experience through clear, up-front copays, no deductible or coinsurance and an intuitive digital experience, while providing access to the broad UnitedHealthcare provider network. Employer groups may see savings up to 15% compared to other managed care plans² and members had 54% lower out-of-pocket costs³.

Available for self-funded groups sized 125+

Garner

Garner is a health plan addition that uses data science to assess provider performance and encourage members to select network doctors Garner has determined are high performing, which may result in improved outcomes and a lower cost.

Available to UnitedHealthcare fully insured or self-funded groups sized 51+

UnitedHealthcare Benefit Ally®

UnitedHealthcare Benefit Ally bundles supplemental health products – Accident Protection, Critical Illness and Hospital Indemnity – with a UnitedHealthcare medical plan and delivers a cash payout to employees when they need it most. Payments are automatically triggered by claims data without the need for any forms to be completed to receive reimbursement.

Available to UnitedHealthcare fully insured or self-funded groups sized 101+

Care Cash®

To help employees pay towards cost sharing for certain eligible network health care expenses and encourage them to use quality care, UnitedHealthcare offers Care Cash. This preloaded debit card can be used for UnitedHealth Premium^® primary care and specialist provider visits, as well as network primary care provider visits, 24/7 Virtual Visits, urgent care visits, outpatient behavioral health visits and lab visits.

Included for non-HSA fully insured 2–50 groups beginning Jan. 1, 2024

UnitedHealthcare Rewards

UHC Rewards is an incentive program where employees and their covered spouses can earn financial rewards for completing a variety of actions, from tracking daily steps, active minutes and sleep, to completing a biometric screening, health survey, and more. Employees have the potential to earn cash rewards with multiple redemption options.

Embedded in most UnitedHealthcare fully insured and UnitedHealthcare Level Funded plans for all group sizes
Available as a buy-up for self-funded groups

One Pass Select

One Pass Select provides discounted access to thousands of gyms, with no long-term contracts or annual registration fees to new fully insured UnitedHealthcare members as of Jan. 1, 2024.

Available to current members who already receive UnitedHealthcare Rewards will have access to One Pass as of Jan. 1, 2024. All others will be upon renewal.

$0 24/7 Virtual Visits

24/7 Virtual Visits are designed to make urgent and non-emergency health care more affordable by providing $0 cost share without requiring HSA members to meet their deductible.

Embedded on all Jan. 1, 2024, small business 2–50 fully insured and level funded plans and upon renewal of existing groups
It is currently available for 51+ groups

Additional resources

2024 small business enhancements placemat summarizes the enhancements that are available for brokers, employers and members in one document.
Sales and account management teams are available to help strategize with you to find the right solutions for your clients.

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Footnotes

Average savings for UnitedHealthcare Fully Insured groups migrated to UnitedHealthcare Level Funded, Jan. 1, 2021 – Dec. 31, 2022. Savings are not guaranteed.
Surest 2022 book of business plan sponsors with both medical and pharmacy data within our warehouse; industry 2022 commercial benchmarks and risk adjustment methodology. Risk adjusted for demographics, geography, and disease burden. 56_V04.
Members who migrated from a non-Surest plan into a Surest plan in 2022, compared to those who stayed with a non-Surest plan. 141_v04.

Disclaimers

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.

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.

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.

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.

The UnitedHealth Premium^® designation program is a resource for informational purposes only. Designations are displayed in UnitedHealthcare online physician directories at myuhc.com^®. You should always visit myuhc.com for the most current information. Premium designations are a guide to choosing a physician and may be used as one of many factors you consider when choosing a physician. If you already have a physician, you may also wish to confer with him or her for advice on selecting other physicians. You should also discuss designations with a physician before choosing him or her. Physician evaluations have a risk of error and should not be the sole basis for selecting a physician. Please visit myuhc.com for detailed program information and methodologies.

One Pass Select is a voluntary program. For fully insured participants (not available in HI, KS, VT and Puerto Rico) it features a subscription based nationwide gym network and digital fitness. For self-funded participants nationally, it features a subscription based nationwide gym network, digital fitness and grocery delivery service. 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. Individuals should consult an appropriate health care professional before beginning any exercise program and/or to determine what may be right for them. Purchasing discounted gym and fitness studio memberships, digital fitness or grocery services may have tax implications. Employers and individuals should consult an appropriate tax professional to determine if they have any tax obligations with respect to the purchase of these discounted memberships or services under this program, as applicable. One Pass Select is a program offered by Optum. Subscription costs are payable to Optum.

24/7 Virtual Visits is a service available with a Designated Virtual Network Provider via video, or audio-only where permitted under state law. 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.

Insurance coverage provided by or through UnitedHealthcare Insurance Company or its affiliates. Administrative services provided by United HealthCare Services, Inc. or their affiliates.

Administrative services provided by United HealthCare Services, Inc. or their affiliates, and UnitedHealthcare Service LLC in NY. Stop-loss insurance is underwritten by UnitedHealthcare Insurance Company or their affiliates, including UnitedHealthcare Life Insurance Company in NJ, and UnitedHealthcare Insurance Company of New York in NY.

Administrative services provided by Bind Benefits, Inc. d/b/a Surest, its affiliate United HealthCare Services, Inc., or by Bind Benefits, Inc. d/b/a Surest Administrators Services, in CA.