All Savers® consumer-driven health plans are designed to meet the challenge of rising health care costs by offering flexibility and options with an Alternate Funding plan. All Savers provides access to the large proprietary national UnitedHealthcare network and the OptumRx® network of pharmacies.
Cost control
- Surplus refund2 eligibility when claims costs are lower than expected.
- Level funding:– Fixed monthly claims funding payment throughout the plan year– Not subject to adjusted community rating
- Network and clinical programs focusing on appropriateness and cost-effectiveness.
- Automatic stop-loss reimbursement in cases where claims are higher than expected.A variety of plan designs
A variety of design plans
- HSA, PPO and EPO plan portfolios designed to help meet the needs of your employees and their families: – Deductibles that range from $500 to $6,350
– Coinsurance options of 80% or 100%
– Embedded and non-embedded deductibles- National pharmacy benefit manager with full OptumRx integration.
- Opportunity to save and bundle UnitedHealthcare Specialty benefits, taking advantage of combined billing with the Packaged Savings® program for groups with 5-50, and the uBundle® program for groups with 51-300. Eligibility requirements may vary by state.
- Real Appeal® online weight loss program available to eligible participants as part of their benefit plan.
- Savings with hearing benefit offering device discounts.
- Survivorship Benefit included with all medical plans — continued coverage available for dependents when an employee passes away.
Innovative wellness programs
- UnitedHealthcare Motion®: Use a motion device to track steps, reach goals and earn financial rewards (over $1,000 per year) to help offset employee out-of-pocket costs with deposits into their HSA — provided at no additional cost and part of your benefit plan. (Motion is not available in DE, KS, MO, NJ, PA or WI.)• HealthiestYou Virtual Care: Connect with doctors 24/7, with no copay, shop and price prescriptions, and much more.• Expert Medical Services: A second-opinion service committed to helping employees make informed medical decisions.• Rally®: User-friendly digital experience. Complete a health survey, choose missions, join challenges and earn Rally Coins to use for a chance to win rewards.
UnitedHealthcare networks and resources
- Nationwide network of quality health care providers, including more than 1,123,084 physicians and care professionals, and 5,773 hospitals and other care facilities.3
- Rally Connect® provider search and cost transparency tool allows employees to choose the care at the most competitive price.
- Support from UnitedHealthcare resources.
- Mayo Clinic available except on UnitedHealthcare Navigate® and UnitedHealthcare Charter® plans.
Dedicated service
- Dedicated employee services: – First contact resolution
– Claim navigation - Committed wellness team, offering expertise and personalized assistance navigating through the wellness offerings.
- Employer Welcome Webinar, a live overview to help understand and get the most out of an All Savers Alternate Funding plan.
Robust tools
- Detailed claims utilization reporting to help manage your benefit plan.
- 24/7 website access:– Employee website with access to benefit and claims information, along with the ability to order and print health plan ID cards– Employer website with the ability to manage employee information and enrollment – Provider website with employee benefit verification
