UnitedHealthcare Level Funded designed to give your clients more flexibility, options and lower costs

UnitedHealthcare Level Funded Health plans work to deliver more health plan value for your Maryland and clients.

Designed to meet the challenges of rising health care costs, Level Funded is built to give your clients more flexibility and options, including access to UnitedHealthcare's proprietary network and the OptumRx® network of pharmacies.

Learn about the variety of plan designs available to your employers

HSA, PPO, and EPO plan portfolios are designed to help meet the needs of plan participants and their families:
- $0 primary care physician (PCP) network copays for kids (EPO/PPO)
- Deductibles that range from $500 to $6,350
- Coinsurance options of 80% or 100%
- Embedded and non-embedded deductibles
- Featuring a new virtual-first plan in select markets
National pharmacy benefit manager with full OptumRx integration
Opportunity to save and bundle UnitedHealthcare specialty benefits, taking advantage of combined billing with the Packaged Savings® program for groups with 5–50 and the uBundle® program for groups with 51–300; eligibility requirements may vary by state
Real Appeal® online weight loss program available to eligible participants as part of their benefit plan
Savings with hearing benefit offering device discounts
Survivorship benefit included with all medical plans — continued coverage available for dependents when a plan participant passes away

Get more information on interactive wellness programs

UnitedHealthcare Motion® – Use a motion device to track steps, reach goals and earn financial rewards (over $1,000 per year) to help offset plan participant out-of-pocket costs with deposits into their health savings account (HSA) — provided at no additional cost and part of the benefit plan
Prepaid debit card option – Plan participants have the option of receiving their rewards on a prepaid debit card; the debit card can be used for expenses not related to health care
HealthiestYou Virtual Care – Connect with doctors 24/7, shop and price prescriptions, and much more
Expert Medical Services – A second-opinion service committed to helping employees make informed medical decisions
24/7 Virtual Visits – With 24/7 Virtual Visits, plan participants can connect with a doctor for help with non-emergency care — anytime, anywhere, right from their mobile device* or computer
Rally® – Complete a health survey, choose missions, join challenges and earn Rally Coins to use for a chance to win rewards

Cost control options for your clients

Potential surplus refund¹ eligibility when medical claims costs are lower than expected
Level funding:
- Fixed monthly claims funding payment throughout the plan year
- Not subject to adjusted community rating
Network and clinical programs focusing on appropriateness and cost-efficiency
Automatic stop loss reimbursement in cases where medical claims are higher than expected

To learn more about Level Funded plans to request a quote for your clients, contact your UnitedHealthcare representative.

Footnotes

Please consult a tax and/or legal advisor to determine if, by receiving this refund, there are any restrictions or obligations. Surplus refund available only where allowed by state law. Actual savings may vary. For our level-funded plans, final rates are based on medical underwriting and final enrollment.

The UnitedHealthcare plan with Health Savings Account (HSA) is a qualifying high deductible health plan (HDHP) that is designed to comply with IRS requirements so eligible enrollees may open a Health Savings Account (HSA) with a bank of their choice or through Optum Bank, Member of FDIC. The HSA refers only and specifically to the Health Savings Account that is provided in conjunction with a particular bank, such as Optum Bank, and not to the associated HDHP.

Minimum participation requirements may apply for bundling programs. Packaged Savings program is not available for all group sizes. Benefits and programs may not be available in all states or for all group sizes. Components subject to change. Please consult your UnitedHealthcare representative for more details.

Real Appeal is a voluntary weight loss program that is offered to eligible members at no additional cost as part of their benefit plan. The information provided under this program is for general informational purposes only and is not intended to be nor should be construed as medical and/or nutritional advice. Participants should consult an appropriate health care professional to determine what may be right for them. Results, if any, may vary. Any items/tools that are provided may be taxable and participants should consult an appropriate tax professional to determine any tax obligations they may have from receiving items/tools under the program.

UnitedHealthcare Motion is a voluntary program. The information provided is for general informational purposes only and is not intended to be nor should be construed as medical advice. You should consult an appropriate health care professional before beginning any exercise program and/or to determine what may be right for you. Receiving an activity tracker and/or certain credits and/or purchasing an activity tracker with earnings may have tax implications. You should consult an appropriate tax professional to determine if you have any tax obligations under this program, as applicable. If any fraudulent activity is detected (e.g., misrepresented physical activity), you may be suspended and/or terminated from the program. If you are unable to meet a standard related to health factor to receive a reward under this program, you might qualify for an opportunity to receive the reward by different means. You may call us toll-free at 1-855-256-8669 or at the number on your health plan ID card, and we will work with you (and, if necessary, your doctor) to find another way for you to earn the same reward. Rewards may be limited due to incentive limits under applicable law. Subject to HSA eligibility, as applicable.

HealthiestYou is not health insurance. HealthiestYou is designed to complement, and not replace, the care you receive from your primary care physician. HealthiestYou physicians are an independent network of doctors who advise, diagnose, and prescribe at their own discretion. HealthiestYou physicians provide cross coverage and operate subject to state regulations. Physicians in the independent network do not prescribe DEA controlled substances, non- therapeutic drugs and certain other drugs which may be harmful because of their potential for abuse. HealthiestYou does not guarantee that a prescription will be written. Services may vary by state. HealthiestYou by Teladoc® and UnitedHealthcare are not affiliated and each entity is responsible for its own contractual and financial obligations.

24/7 Virtual Visits phone and video chat with a doctor are not an insurance product, health care provider or a health plan. Unless otherwise required, benefits are available only when services are delivered through a Designated Virtual Network Provider. 24/7 Virtual Visits are not intended to address emergency or life-threatening medical conditions and should not be used in those circumstances. Services may not be available at all times, or in all locations, or for all members. Check your benefit plan to determine if these services are available.

Rally Health^® provides health and well-being information and support as part of your health plan. It does not provide medical advice or other health services, and is not a substitute for your doctor's care. If you have specific health care needs, consult an appropriate health care professional. Participation in the health survey is voluntary. Your responses will be kept confidential in accordance with the law and will only be used to provide health and wellness recommendations or conduct other plan activities.

UnitedHealthcare Hearing is provided through UnitedHealthcare, offered to existing members of certain products underwritten or provided by UnitedHealthcare Insurance Company or its affiliates to provide specific hearing aid discounts. This is not an insurance nor managed care product, and fees or charges for services in excess of those defined in program materials are the member’s responsibility. UnitedHealthcare does not endorse nor guarantee hearing aid products/services available through the hearing program. This program may not be available in all states or for all group sizes. Components subject to change.

Administrative services provided by United HealthCare Services, Inc. or their affiliates, and UnitedHealthcare Service LLC in NY. Stop-loss insurance is underwritten by All Savers Insurance Company (except CA, MA, MN, NJ and NY), UnitedHealthcare Insurance Company in MA and MN, UnitedHealthcare Life Insurance Company in NJ, UnitedHealthcare Insurance Company of New York in NY, and All Savers Life Insurance Company of California in CA.