Turning flexibility into strategy with customizable plan options for 51+ groups

In our latest level funded update, we introduced new customizable plan options for UnitedHealthcare Level Funded 51+ groups. From more flexible pricing structure and benefit buy-ups to improved renewal visibility, these enhancements reflect a clear shift toward a more customizable experience.

With added control over key elements — such as surplus share percentages, rate component variability and pharmacy structures — plans can be tailored to better align with each client’s specific needs. Whether the priority is cost predictability, savings potential or benefit designs that meet plan participants’ expectations, UnitedHealthcare Level Funded offers the flexibility to deliver a balanced solution.

The expanded benefit buy-ups reflect a growing need for adaptability. As workforce expectations shift, options like Infertility coverage, Weight loss surgery with or without weight loss drugs, and expanded rewards buy-up options provide plan sponsors ways to differentiate their offerings while still managing costs effectively.

This flexibility helps position level funded plans as not just a funding mechanism, but a strategic tool for workforce management.

To help support conversations and confidently position these updates with customers, we are enclosing the 51+ Plan Customization Flier.

When you have more control and the right set of options, you can design benefits with greater purpose.

Reach out to your UnitedHealthcare representative for a quote.