Offer your retirees access to quality health care benefits while reducing your own costs and administration time with UnitedHealthcare's Connector Model. 

This option is most effective if you're looking to eliminate your subsidy toward retiree coverage or provide the subsidy through a retiree account and you're open to endorsing a suite of individual Medicare plan options.

What is the Connector Model?
The Connector Model helps connect retirees to individual health coverage options based on their needs using a proven retiree engagement strategy to help them feel comfortable and confident in their plan selection.

Individual retiree health insurance plans often provide better benefits at a lower cost than many existing traditional employer group plans. 

Why should I choose the Connector Model?
Our UnitedHealthcare Connector Model delivers value by combining the following benefits into one seamless offering:

• Service. UnitedHealthcare provides a superior customer experience and the transition for your retirees is simple and easy. We combine leading-edge retiree educational materials, online decision support tools and retiree-focused call center support and open enrollment meeting support.
• Choice. UnitedHealthcare offers one of the broadest portfolios of individual health insurance products available. This means retirees can have a meaningful choice among Medicare’s entire array of product types.
• Cost Control and Savings. Substantial cost saving can be achieved due to the efficiency of our individual retiree products, which integrate more readily with Medicare. Employers can provide a subsidy towards the premium costs or allow retirees to remain solely responsible for the cost of selected plans.
• Flexibility. We can customize our engagement strategy based on your needs and transition goals.
• Simplified Administration. An integrated one-stop shop for multiple product offerings is more efficient and cost-effective. It also ensures that retirees don¿t "get lost in the system" created by non-traditional, fragmented, multi-carrier models.
• Financial Integration. As an option, we offer in-housing banking and record keeping services that make the administration of employer-defined retiree accounts even easier.

Our goal is to help you achieve your financial targets and realize greater operational efficiencies, while supporting a smooth and positive health care coverage transition for your retirees.

How does it benefit retirees?
With the Connector Model, your retirees are able to choose the type of individual health coverage that best fits their needs and budget. They'll benefit from:

• One of the broadest portfolios of private Medicare plans in the industry, including medical and prescription drug coverage from our popular SecureHorizons®, Evercare® and the AARP® Medicare plans from UnitedHealthcare
• Online tools and print materials designed to help retirees understand the types of individual Medicare plans including UnitedHealthcare offerings
• Trained, Medicare-focused call center experts who help retirees enroll in a plan and understand how their new benefits compare to their previous plan
• Flexibility—retirees can switch to another UnitedHealthcare Medicare plan if their coverage needs change.

What is a retiree reimbursement account?
To help retirees with the cost of purchasing an individual health insurance product, employers who qualify, may establish tax-advantaged individual retiree reimbursement accounts (RRAs) through UnitedHealthcare’s financial services division.  In addition to premiums, employers can allow the accounts to reimburse for other out-of-pocket costs, such as copays.

RRAs offer employers flexibility in defining their level and frequency of financial support.  RRAs also give retirees greater flexibility to use their subsidy dollars to choose the health plan coverage that makes the most sense for them versus a pre-selected plan from the employer.

Learn more about the Connector Model
Talk with a representative about how the Connector Model can work for you.

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