Surest and Level Funded join forces to launch Surest Level Funded plans for March 1, 2025, case effective dates

Surest Level Funded plans combine the transparency and flexibility of Surest with the predictability and cost-effectiveness of level funded plans.


Surest, one of the fastest growing health plans from UnitedHealthcare,1 unites with Level Funded, bringing a pioneering health care solution to market targeting March 1, 2025, case effective dates for employers with 2+ eligible employees*. Surest Level Funded plans combine the transparency and flexibility of Surest with the predictability and cost-effectiveness of level funded plans. This new offering aims to provide plan sponsors and plan participants with a health care option that adapts to their needs while delivering financial stability and potential savings.

What is Surest Level Funded

Surest, one of the fastest growing health plans from UnitedHealthcare, unites with Level Funded, bringing a pioneering health care solution to market targeting March 1, 2025, case effective dates. Surest Level Funded plans combine the transparency and flexibility of Surest with the predictability and cost-effectiveness of level funded plans. This new offering aims to provide plan sponsors and plan participants with a health care option that adapts to their needs while delivering financial stability and potential savings. 

Key features of Surest

  1. No deductibles: Surest removes the complexity of deductibles and coinsurance, giving plan participants first dollar coverage while allowing them to understand their health care costs from the start.
  2. Upfront pricing: Plan participants can view the cost of services and treatments before they receive care, enabling better financial planning.
  3. Broad provider network: Surest offers access to a comprehensive network of health care providers, ensuring plan participants can find the care they need when they need it.
  4. Enhanced flexibility: Plans designed to adapt to the diverse needs of plan sponsors and plan participants, providing customizable options to fit different preferences and budgets.

Benefits for plan sponsors and plan participants

For employers, Surest Level Funded offers a simplified approach to managing health care benefits and enhancing plan participant satisfaction. The Level Funded plan design provides risk protection with stop loss insurance, limiting exposure to high-cost claims, the potential to receive a surplus refund if claims are lower than expected, and the potential for 15–20% savings when compared to a similar Affordable Care Act (ACA) fully insured plan.2

Plan participants benefit from transparent pricing and the ability to choose providers on the services they offer based on their historical safety, effectiveness and cost efficiency, leading to more informed health care decisions and potential cost savings. Without deductibles and coinsurance, the Surest Level Funded plan is designed to help simplify the health care experience for plan participants, making it easier to understand and utilize their benefits.

Pre-launch training

To ensure a smooth transition and to help everyone understand the new features and benefits of a Surest Level Funded plan, we will be offering a series of pre-launch training sessions. These sessions are designed to provide insight into how Surest Level Funded plan designs work, and how they may benefit both plan sponsors and plan participants.

Looking ahead

The Surest Level Funded plan represents UnitedHealthcare’s commitment to innovation and improving the health care experience for all. Be on the lookout for in-depth trainings to be scheduled in January 2025. These sessions will delve deeper into the specifics of the Surest Level Funded plan, ensuring stakeholders are well-informed and prepared to maximize the benefits of this innovative offering.

Current broker or employer group client?

Access uhceservices to check commissions, manage eligibility, request ID cards and more.