Labor unions and trusts can demonstrate clear value to active and retired members by providing high-quality health care benefits.

UnitedHealthcare will work with you to choose the right combination of health benefits-from medical plans to disability insurance-to contain costs and satisfy members' needs.

Better care, more control, lower prices
One of your top concerns is ensuring quality care while keeping costs under control. To help you and your members save, we:

• Use our size to your advantage. With more than 26 million members, we can negotiate lower rates with providers and pass the savings along to you and your members.
• Make the most of our connections. The UnitedHealth Premium® designation program identifies providers that meet or exceed criteria for quality and cost-efficient care.
• Promote healthier decisions. The United With Me program helps members become savvy consumers by teaching ways to get – and stay – healthy.
• Provide evidence and support. Our detailed reports highlight ways for you to save money. And our communications campaigns teach members how to get quality care at reasonable prices.

Flexibility and collaboration
Do you need to design an entirely new benefits program? Or are you happy with some of your vendors, and you just want to fill in the gaps? We can work with you in either case. For example, we offer:

• UnitedHealth Integrated Services^SM – Take advantage of our national network, and claims processing and cost management tools, while you manage the member experience.
• UnitedHealth Direct Services^SM – We administer the claims, but give you or another vendor access to claims data, eligibility information and provider data for member service functions like customer service calls.

Traditional Products for Labor and Trust
UnitedHealthcare offers a family of products that lets you offer traditional-style coverage when it makes sense for your members.

UnitedHealthcare PPO (preferred provider organization) plans give your members a wide selection of hospitals, physicians and other health care professionals, while helping to control costs. Your members get many of the benefits of traditional coverage, plus access to network discounts and a broad national network. UnitedHealthcare PPO programs are offered on a self-funded basis.

UnitedHealthcare HMO (health maintenance organization) plans provide your members with network-based benefits featuring local and national cost-effective hospitals, physicians and other health care professionals. Your members will also receive services for preventive care, emergency care, managed mental health and substance abuse benefits, a maternity care program and prescription drug coverage through our extensive pharmacy network. All UnitedHealthcare HMO plans are fully insured.

For information about products available, contact your sales representative.

Specialty Coverage
UnitedHealthcare offers full breadth of specialty products for your active and retired members – including pharmacy, vision, dental, and life and disability benefits.

Retiree Benefits
UnitedHealthcare offers the broadest portfolio of retiree benefits in the industry and provides optimal financial value per dollar, meaning you can provide your members with more cost-effective choices. Extending coverage for your active members to your retirees is easy when we guide you through our Medicare solutions and modify them to meet the unique needs of your membership.

UnitedHealthcare offers optimal financial value-per-dollar and the broadest portfolio in the industry. That means you can provide your members with more cost-effective choices, including Medicare supplemental plans, Medicare Advantage plans, and Medicare Part D prescription drug plans. In addition, we can match product offerings with a variety of funding options ranging from self-funded to subsidized to a zero-dollar contribution. When combined with our full range of retirement reimbursement account plans, you can provide your members the flexibility to use their health care dollars to select a plan that best meets their needs.

Trends and Topics
Offer a Wellness Program
Manage Member Data
Communicate Effectively about Health Care

Success story
Wisconsin's unions and trusts offered enhanced benefits to their retirees with UnitedHealthcare's Zero Premium Enhanced Medicare Advantage plan. This helped them increase the value of the union or trust fund to the member and reduce overall cost.

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