All Savers® Alternate Funding 2019 portfolio update for small business

All Savers is introducing UnitedHealthcare Navigate® and UnitedHealthcare Charter® plans in its 2019 portfolio. Navigate and Charter plans encourage quality care and guide employees to use health care more efficiently. A primary care physician (PCP) can help employees save time and money. Navigate and Charter combine these savings opportunities with smaller, focused networks designed to help deliver lower costs.

The 2019 portfolio will also bring Premier PROFormance plans. The PROFormance plans offer employees lower copays for care they need most; like primary care office visits, specialist visits, virtual visits and urgent care, but do not require a referral for specialty care. PROFormance plans also provide $0 primary care office visits for kids.

Benefit updates

Prescription Drug List (PDL)

The 2019 portfolio will provide groups more flexibility with their pharmacy benefits. All Savers is introducing the Essential PDL drug plan. This will provide groups the option to choose either the Essential PDL Prescription Plans or Advantage PDL drug plan to pair with their medical plan offerings.

Alternative care benefits

By increasing access to the right providers, employees may receive quality care and reduce their medical costs. The 2019 portfolio will provide separate chiropractic visit limits (20 visits) from other rehabilitation services and is introducing acupuncture (10 visits) as a covered benefit.

Additional changes

The 2019 portfolio focuses on health and well-being and will provide tools for employees to make small changes that can impact long-term health results.

  • Effective Aug. 1, 2019, Real Appeal® will be available to new and existing All Savers plan participants. Real Appeal provides tools and support to help employees lose weight, feel good and prevent weight-related health conditions.
  • All Savers will bring HealthiestYou™, Best Doctors® and Rally® to new and renewing groups in Delaware, Missouri, New Jersey and Pennsylvania.
  • Delaware will have the ability to quote groups down to five lives beginning with Sept 1, 2019 effective dates.

To provide the ability to offer groups the specific plans they’re used to seeing in their market, All Savers now provides the ability for its portfolio to be composed of region-specific health plans. 

Marketing materials supporting the new plan offerings will be available on the broker website – in the “Forms and Brochures” tab. Not all plan categories and features are available in all markets. Be sure to work with your local health plan and use state specific material found on

The All Savers Alternate Funding 2019 Portfolio will be available for Aug. 1 effective dates in the following states:

  • Arkansas
  • Connecticut
  • Georgia
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Missouri
  • Nevada
  • New Jersey
  • Pennsylvania
  • South Carolina
  • South Dakota
  • Texas
  • Wisconsin
  • Wyoming

The All Savers Alternate Funding 2019 Portfolio will be available for Sept. 1 effective dates in the following states:

  • Alabama
  • Arizona
  • Colorado
  • Delaware
  • Florida
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts 
  • Michigan
  • Minnesota
  • Mississippi
  • Nebraska
  • New Mexico
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Rhode Island
  • Tennessee
  • Utah
  • Virginia
  • Virgin Islands
  • Washington




Real Appeal is a voluntary weight loss program that is offered to eligible participants 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. 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.

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.