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Surest health plan

Offer your clients and their employees a different kind of health plan with Surest™. This reimagined plan design gives employees control over their health care experience, with savings opportunities and benefits that are designed to be easy-to-understand — all without having to shift costs to employees. Employers can also offer Surest alongside more traditional health plan offerings.

Brochure: Surest plan (pdf)

More choices, clear upfront prices

No deductible or coinsurance

Surest health plans are copay-only plans. This means employees receive full coverage on day 1, with no deductible to satisfy before their plan starts working for them.

Clear pricing in advance

The Surest app is designed to be easy-to-use, allowing members to search for costs and coverage before scheduling an appointment. This enables members to make informed choices about the providers they choose and where they go for care.

Access to high-value providers and treatments

Surest is built to help members choose more cost-efficient care options, with access to the largest UnitedHealthcare nationwide provider network.

Member satisfaction

The fastest growing UnitedHealthcare plan nationwide¹ with a year-over-year member retention rate of 90%,² Surest is a plan clients and members tend to keep, which may help simplify renewals and enrollment.

Say hello to Surest

Video transcript

Say hello to the health plan that meets people where they are.

At home, work or the doctor’s office – with information they can use to decide how to get care. 

Say hello to Surest.

Let me show you how it works.

Simply type in what you’re searching for. In this case, we’ve put in sinus infection. 

A number of choices come up and you can narrow your search.

Click in and see treatment options.

Like Virtual visit, Medical office visit and more.

In this case, we’ll pick a medical office visit.

You’ll see a map and choice of providers. Scroll down and see more providers or

Scroll up and zoom in on the map to see providers near you with the copays clearly marked.

Click into that and get the details you need to review your provider choice, location information, copay and what’s included in your visit.

Scheduling information is just a click away.

The Surest plan is designed to engage members by giving them the tools they need to find providers, treatment options, costs, and more.

Members can find opportunities to save.

And since Surest uses the UnitedHealthcare network of doctors, clinics, and hospitals, one of the largest in the country, there are plenty of options to choose from.

Say hello to a health plan that’s redefining what’s possible.

Surest.

See how powerful simple can be.

Delivering value in more ways than one

Having the right health plan can make a difference for your bottom line, as well as employee satisfaction. With Surest, you have the opportunity to reduce costs while delivering more value.

Savings for you and your employees

Surest can help members choose more efficient treatments and providers, as well as keep up on preventive screenings and exams. The result? More value for you and your employees

Up to 15% lower employer costs³
54% average lower out-of-pocket costs for members⁴

Help attracting and retaining talent

By offering Surest, you can give your employees benefits that actually feel like a benefit

8 out of 10 members surveyed said they would be disappointed if their employer no longer offered the Surest plan⁵
90% of Surest members re-enrolled in the Surest plan²

Built to help solve health care's biggest challenges

Taking a reimagined approach designed to make health insurance less complicated and costly, Surest is an ACA-compliant health plan solution that covers what you’d expect from health insurance — like preventive care, prescription drugs, primary and specialty care, urgent and emergency services and more — and can be used with a flexible spending account (FSA).

See how Surest works to help solve health care's biggest challenges — for employers and employees.

Brochure: Surest plan (pdf)

“I absolutely love that I have no questions regarding this plan. I know exactly what I will pay before I even book an appointment and/ or service. It makes it SO much easier to plan for my life, and even unexpected hurdles.”

— Kaitlin B.

See how Lumen cut health care costs while helping employees

On top of receiving high quality benefits, Lumen employees save 52% in out-of-pocket expenses with a Surest plan.

Case study: Lumen

Footnotes

Combination of modeled and actual results across Surest prospects and clients; risk-adjusted industry benchmarking comparisons. 2019. 13_V02.
Comparison of 2022 medical out-of-pocket spend for members who migrated to a Surest plan in 2022 compared to members from the same employers in a non-Surest plan. 141_V04.
2022 Surest book of business. 131_V03, 125_V03.
The proportion of Surest members enrolled in 2022 who re-enrolled in 2023 with January 1 plan year start dates. 32_V04.
2022 Surest book of business. 131_V03, 125_V03.

Disclaimers

Insurance coverage for fully insured plans is provided by All Savers Insurance Company (for FL, GA, OH, UT and VA) or by UnitedHealthcare Insurance Company (for AZ, AR, MI, MN, MO, OK, PA, SC and TN). These policies have exclusions, limitations, and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, contact either your broker or the company. Administrative services for insurance products underwritten by All Savers Insurance Company and UnitedHealthcare Insurance Company, and for self-funded plans, are provided by Bind Benefits, Inc. d/b/a Surest, its affiliate United HealthCare Services, Inc., or by Bind Benefits, Inc. d/b/a Surest Administrators Services, in CA.