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Group Plans At-a-Glance

Medical | Dental | Vision | Disability | Life Insurance
Critical Illness | Accident Insurance | COBRA


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Medical Plans
Plan Name Type of Plan Product information Group Size
UnitedHealthcare Choice Open access
  • Fixed dollar copayments
  • Coinsurance options
  • Lower out-of-pocket costs for network care
2-5,000+
UnitedHealthcare Choice Plus Open access
  • Same features as Choice product, plus:
  • Offers members a level of benefits should they choose to seek care outside the network normally at a higher coinsurance, and/or deductible level
2-5,000+
UnitedHealthcare Options PPO PPO
  • The freedom to choose any doctor for your health care needs. No referrals needed
  • Cost savings by going to a network physician
  • It is the member's responsibility to obtain approvals for both network and non-network services
  • If a non-network physician is chosen, out-of-pocket costs will be higher and it is the member's responsibility to submit claims
2-5,000+

Consumer Driven Health Plans (CDHPs)

Employers can choose one of two funding options to help employees pay for and manage their health care expenses. Learn more about CDHPs.

Health Reimbursement Account (HRA) HRA
  • Employer owns the account.
  • Any type of corresponding health plan arrangement is allowed
  • Unused funds remaining at the end of the plan year can carry over to the following year if the employer configures the account accordingly
  • The account is not portable between employers
2-5,000+
Health Savings Account (HSA) HSA
  • Employee owns the account
  • A high-deductible health plan is required in order to qualify for an HSA
  • The individual owns the account and any contributions made to it, regardless of the source or timing of the contribution, can be carried over
  • When leaving an employer, the account is portable since the individual owns the account
2-5,000+
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Dental Plans
Plan Name Type of Plan Product information Group Size
PPO Preferred Provider Organization
  • Features some of the nation's largest networks with discounts up to 35%
  • Extensive plan flexibility with plans that feature matching in- and out-of-network coverage and those that drive network utilization
  • Available in all states except Idaho and Montana
  • 2+, fully insured

    Self-funded options available for larger groups

    Gateway PPO Preferred Provider Organization
    • Open access plan priced 15% below similar PPO plans. Class shifting of endodontic and periodontal services drives savings
    • Features some of the nation's largest networks with discounts up to 35%
    • Available in all states except Idaho and Montana

    2+, fully insured

    Self-funded options available for larger groups

    INO (In-network only) In-network coverage only
    • Priced 20% below similar PPO plans. In-network benefits only drive savings
    • Features some of the nation's largest networks with discounts up to 35%
    • Available in all states except Alabama, Arkansas, Connecticut, Idaho, Kentucky, Louisiana, Maine, Mississippi, Missouri, Montana, New Jersey, North Carolina, North Dakota, Oklahoma, Texas and Vermont.

    2+, fully insured

    Self-funded options available for larger groups

    Select Managed Care Dental Health Maintenance Organization and Direct Compensation
    • Priced up to 50% less than standard PPO plan
    • Combination of narrow network and the primary care coordination model drives savings
    • Available in California, Florida, Maryland, Nevada, New York, Texas, Virginia, Washington DC

    2+, fully insured

    Available in select markets

    Indemnity No network restrictions
    • No network restrictions or discount savings
    • Flexible suite of plan options
    • Available in all states

    2+, fully-insured

    Self-funded options available for larger groups

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    Vision Plans
    Plan Name Type of Plan Product information Group Size
    Vision Comprehensive plan
    • Covers eye exams and complete pair of eyeglasses or contact lenses, after applicable copays and allowances.
    • 20%-40% discount on popular lens options like progressives
    • 20% discount on additional pairs of glasses
    • Access to discounts on laser vision and exclusive pricing on hearing aids
    • Large national network with private practice and retail locations
    • www.myuhcvision.com to find provider, print ID card, order online contacts, and review educational materials
    2 eligible, one enrolled fully-insured
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    Disability Plans
    Type of Plan Features Coverage Overview Funding Options
    Short Term Disability
    • Integrated claims management services provide support so employees understand expectations for care, recovery and returning to work
    • Bridge2Health Integrated Disability program is automatically included for employers who have purchased both fully insured UnitedHealthcare medical and disability coverages*
    Flexible plan design options based on:
    • Benefit Durations
    • Weekly benefit amounts
    • Non-occupational or 24-hour coverage
    • FMLA and absence management services also available for larger cases
    • Fully insured
    • Non-contributory (employer-paid)
    • Contributory (employer/employee-paid) for groups with 10+ employees
    • Voluntary (employee-paid) for groups with 10+_Employees
    Long Term Disability
    • Return to work incentives automatically included to support recovery via access to vocational and physical rehabilitation, career planning and transitional work return.
    • Claims management services provide employees with support and access to vocational and physical rehabilitation, career planning and transitional work return
    • Bridge2Health Integrated Disability program is automatically included for employers who have purchased both fully insured UnitedHealthcare medical and disability coverages

    Flexible plan design options based on:

    • Benefit durations
    • Monthly benefit amounts
    • Customization for occupational, and industry groups available to groups of 100 or more employees
    • FMLA and absence management services also available for larger cases
    • Optional enhancements such as cost-of-living adjustment (COLA) and child care expense benefit are also available for certain group sizes
    • Fully insured
    • Non-contributory (employer-paid)
    • Contributory (employer/emploee paid) for groups with 10+ employees
    • Voluntary (employee-paid) for groups with 10 or more employees
    • Employee buy-up plans for larger cases

      *Employers who purchase UnitedHealthcare ASO medical may be eligible for Bridge2Health Integrated Disability subject to review of medical care and behavioral management services
      This product overview may not be applicable for all groups. Please refer to your Certificate of Coverage or benefit plan documents for information about actual offerings and coverage.

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    Life Insurance Plans
    Plan Name Coverage Overview Value Added Features Funding Options
    Basic

    Choose life coverage based on:

    • flat amounts
    • job level
    • multiple of the employee's salary

    Also available:

    • Accelerated benefit of up to 50% of covered amount under certain circumstances3
    • Waiver of premiums for disabled employees under age 603
    • Conversion to an individual life insurance policy under certain circumstances
    • Additional services for beneficiaries, including grief and loss consultation and financial and legal assistance
    • Extra services for added peace of mind, including employee access to 24/7 travel assistance for domestic and foreign travelers with emergency travel needs, as well as online tools and information for preparing wills and trusts
    • Wealth management account2 provides beneficiaries payment via an interest-bearing account
    • Fully insured
    • Non-contributory (employer-paid)
    • Contributory (employer/employee-paid) for groups with 10+ employees
    • Voluntary (employee-paid) for groups with 10+_Employees
    Basic Dependent Life
    • Add dependent life coverage for spouses and children to the basic plan
    100% Employee paid
    Supplemental Life
    • Employees can go beyond the basic plan and buy higher levels of coverage
    • Guaranteed issue amounts are available for life insurance and accidental death and dismemberment insurance based on participation and group size
    Voluntary (employee paid) for groups with 10+ employees
    Dependent Supplemental Life
    • Employees can choose to add dependent supplemental insurance
    • For groups with 10+ employees
    • 100% employee paid
    Accidental Death and Dismemberment (AD&D)
    • This additional insurance provides coverage for loss of life or injuries incurred on or off the job and within 90 days from the date of an accident1
    • AD&D insurance is included with one of the basic or supplemental life insurance policies
    • AD&D seat belt benefit of an additional 10% of the AD&D benefit (up to $10,000)4
    • Available for Dependent Supplemental Life coverage
    1. Limitations for AD&D include: disease, bodily or mental infirmity, suicide or intentionally self-inflicted injury, commission of an assault or felony, war, use of any drug unless prescribed by a physician, driving while intoxicated, engaging in any hazardous activities, or travel in a private aircraft.
    2. Eligibility for automatic deposit into an Optum Bank Wealth Management Account is subject to qualifying conditions evaluated by Optum Bank and UnitedHealthcare at the time of claim review to include limited availability in certain states. Optum Bank, Member FDIC, is part of the financial services unit of OptumHealth, a UnitedHealth Group (NYSE:UNH) company.
    3. This option is not available for dependent life and some states may have restrictions.
    4. Not payable if the driver was legally intoxicated or under the influence of drugs at the time of the accident.
      This product overview may not be applicable for all groups. Please refer to your Certificate of Coverage or benefit plan documents for information about actual offerings and coverage.
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    Critical Illness Plans
    Features Coverage Riders Funding Options
    • Critical illness benefits are paid for illnesses across three categories: cancer, cardiovascular and critical illness (all other)
    • Payment in one category does not terminate the policy
    • Benefits could be paid up to three times, once in each category1
    • Critical Illness coverage is available for employees, spouses and children2

    The Critical Illness Protection Plan covers 13 critical illnesses across three categories:

    Cancer

    • Cancer
    • Carcinoma in situ (25%)

    Cardiovascular

    • Heart attack
    • Heart failure
    • Ruptured aneurysm
    • Stroke
    • Coronary artery bypass (25%)

    Critical illnesses (all other)

    • Coma
    • Chronic renal failure
    • Major organ failure
    • Paralysis
    • Severe burns
    • Severe brain damage

    Optional wellness rider for groups with 51 or more employees

    • Provides $100 benefit to employee and $100 benefit to an insured spouse for designated health screening tests

    Restoration benefit rider for groups with 100 or more employees

    • Reinstates 100% of the benefit in each of the three benefit categories (cancer, cardiovascular and all other) upon payment of the maximum benefit in that category

    Occupational HIV rider to health care or other related group with 100 or more employees

    • Provides a one-time, lump-sum benefit equal to 100% of the critical illness coverage amount

    Non-contributory (fully paid by employer)

    • 100% participation for all eligible employees

    Contributory (partially paid by employer)

    • 20% participation of eligible employees and 10 enrolled employees

    Voluntary (fully paid by employee)

    • 20% participation of eligible employees and 10 enrolled employees

    Base/buy-up (employer pays 100% of base plan; employee pays 100% of buy-up)

    • 100% participation required on base plan
    • 20% participation of eligible employees and 10 enrolled employees for buy-up
    1. Lump-sum payments are 100% of the coverage amount unless otherwise noted as a partial benefit. Partial benefits allow the remaining coverage to be paid for another covered illness in that benefit category. Subject to medical verifications and conditions as defined in the policy.
    2. If spouse and/or children coverage is offered as part of the plan.
      This product overview may not be applicable for all groups. Please refer to your Certificate of Coverage or benefit plan documents for information about actual offerings and coverage.
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    Accident Insurance
    Features Coverage Riders Funding Options

    Accident Insurance
    Plan Design

    • 24-hour coverage protects insureds for qualifying injuries due to covered accidents 24 hours per day (on and off job)
    • Off-job-only coverage protects insureds for qualifying injuries due to covered accidents outside of work/job hours only

    Plan Levels

    • Silver
    • Gold
    • Platinum
    • Base benefits include coverage for accidental death and dismemberment, initial care and hospital care
    • Enhanced benefits include coverage for follow-up care, and covered injuries and services

    Optional wellness rider for groups with 51 or more employees

    • Provides an annual lump sum benefit to employee and insured spouse for designated health screening tests. The benefit amount varies by plan level.
    • Non-contributory (fully paid by employer)
    • Voluntary (fully paid by employee)
    • Base/Buy-up (employer pays 100 percent of base plan; employee pays 100 percent of buy-up plan and offers voluntary coverage for spouse/children)
      This product overview may not be applicable for all groups. Please refer to your Certificate of Coverage or benefit plan documents for information about actual offerings and coverage.
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