Medical plans

With tailored network strategies and innovative benefit and plan designs, UnitedHealthcare medical plans are built to help meet the care and cost needs of your clients and their employees.

Our innovative approach to care and coverage

Delivering access to quality care at lower costs

Our network strategies are designed to deliver powerful solutions that may enhance overall plan value and performance. Plan designs are built for access, supported by the nation's largest proprietary network1 and designed to guide employees to evidence-based, cost-efficient care.

Encouraging health ownership

Plan designs and popular benefits — such as $0 copays, virtual care access and more — are built to help promote healthier choices and encourage employees to take steps toward better health.

Delivering a better health care experience

Plans include access to tools and resources designed to help employees understand their plan and navigate the health care system to get care, at the right place, at the right time.

Collaborating closely with providers

Through incentives, value-based arrangements and collaborative data sharing, we help enable delivery of quality, cost-efficient care. Tools and resources like Naviguard aim to protect all parties from egregious billing, to ensure providers are paid quickly for their services and to keep out-of-network charges in check for members.

Improving access to care, lowering costs

Infused with expertise and analytics, UnitedHealthcare medical plans are driven and supported by curated strategies and solutions like these, with the goal of delivering better health and lower costs.

Centers of Excellence (COEs)

Our COE program is designed to drive lower costs, fewer complications and shorter recovery times, such as a 22% shorter length of hospital stay for transplant patients compared to the national benchmark.2

Payment integrity

Experts estimate that 25% of all health care spending is wasteful.3 Our payment integrity solutions work to help reverse this trend by implementing strategies like focused claims reviews to help identify errors and fraud/abuse, which has resulted in $34.86 average savings per member per month.4

Provider relationships

Patients who regularly engaged with a primary care provider (PCP) had 10% lower costs than those who didn’t.5 And because PCPs can impact 62% of the health care dollar,5 we work closely with providers with the goal of achieving better results on everything from site of care guidance to reducing unnecessary or duplicative testing to cost-effective prescribing.

UnitedHealth Premium® Program

Share with your clients

Solutions designed to help improve claims accuracy and control costs.

Program helps employees locate quality and cost-efficient providers and review options.

See why this network option helps your clients' employees make more informed choices in their health care.

Learn more about this open-access plan offering a large national network with more than 1 million doctors and over 6,000 hospitals.6

A selection of UnitedHealthcare medical plan options

The future of group health insurance plan designs

Health plan designs are evolving to help better manage costs and streamline access to care for employees.