Features and Benefits

Cost control.

  • Surplus refund eligibility when 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-effectiveness.
  • Automatic stop-loss reimbursement in cases where claims are higher than expected.

Variety of plan designs.

  • HSA, PPO and EPO plan portfolios to meet your employees’ needs:
    • Deductibles that range from $500 to $6,850.
    • Coinsurance options of 50%, 80% or 100%.
    • Embedded and non-embedded deductibles.
    • Individual Stop-Loss Limits: $15K-50K (Varies by state).
    • Primary Care Physician (PCP) Gated EPO plans with specialist referral required (Not available in all markets).
    • Advantage Prescription Drug List (PDL)
    • Essential PDL - unique benefit designs (Not available in all markets).
  • Tiered Benefit Plans:
    • Specialist tiering (Not available in all markets).
    • Advanced - Deductible range $1,000 - $5,000, 50% coinsurance.
    • PROformance - deductible range $1,000 - $5,000, 80% coinsurance. $0 Kid PCP copay, $10 - $15 PCP copay for adults.
  • Flex Focus Plans:
    • Deductible range $1,000 - $3,000, 80% coinsurance.
    • $0 copayment for the first 3 PCP/Specialists combined visits.
    • $0 copayment for the first 2 Urgent Care visits.
  • National pharmacy benefit manager with full OptumRx integration.
  • Opportunity to bundle UnitedHealthcare Specialty benefits, taking advantage of combined billing and Packaged Savings®.

UnitedHealthcare networks and resources.

  • Nationwide network of quality health care providers, including more than 1.2 million physicians and care professionals, and 6,500 hospitals and other care facilities.*
  • Rally Connect® provider search and cost transparency tool allows members to choose the care at the most competitive price.
  • Support from UnitedHealthcare resources.

Robust tools.

  • Detailed claims utilization reporting to help manage an employer’s benefit plan.
  • 24/7 website access:
    • Member website with access to benefit and claims information.
    • Employer website with the ability to manage member information and enrollment.
    • Provider website with member benefit verification.

Superior service.

  • Dedicated member services:
    • First contact resolution.
    • Claim navigation.
  • Committed Motion team:
    • Offering expertise and personalized assistance navigating through the UnitedHealthcare Motion® program.
  • Employer Welcome Webinar:
    • A live overview to help understand and get the most out of an All Savers Alternate Funding plan.

Why All Savers

 All Savers consumer-driven health plans are designed to meet the challenge of rising health care costs by offering flexibility and options with an Alternate Funding plan.

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* UnitedHealthcare Networks. Data and Analytics, “Look beyond discounts