Grouphealthflorida.com previews 2008 United Healthcare Tiered Benefits
UnitedHealthcare Tiered Benefits Overview
Tiered Benefits can help both fully insured and self-funded customers drive lower overall health care costs as employees use UnitedHealth Premium program designated specialty physicians. With carefully designed plan incentives, employees are encouraged to use specialty physicians who meet quality and cost-efficiency criteria. This capability gives employers the means to provide competitive benefits with incentives – in the form of lower copay and coinsurance levels – while reinforcing the importance of quality health care to employees.
Employers can choose from a series of Tiered Benefit plan design options that allow them to align their plan contributions with budget requirements.
Key Features
§ Urgent care copay of $50
§ Emergency room copay of $100-$125
§ Family deductible at twice individual
§ Family out-of-pocket maximum at twice individual
§ Preventive care at 100 percent, not subject to copay
§ Lifetime maximum $5 million
§ Embedded deductibles
§ All standard pharmacy options available for 2008
Customer Benefits
§ Competitive benefits without higher premiums
§ Increased employee engagement and awareness of costs associated with benefit coverage
§ Long-term health care savings for employers through effective promotion of consumer-level benefits with employees and resulting behavior change at the point of care
Member Benefits
§ Lower out-of-pocket costs and higher plan coverage when seeing UnitedHealth Premium program designated specialty physicians – both quality of care and cost efficiency designations must be satisfied
§ Preventive care is generally covered at 100 percent
§ Access to health and wellness tools and resources through myuhc.com®
To learn more about Florida group health insurance, Tampa group health insurance, Sarasota group health insurance, Miami group health insurance, or Orlando group health insurance, visit Grouphealthflorida.com or call 1-800-873-5713.
