FlexWork Programs and Services

More ways to offer more affordable health benefits

Customize your plan with additional programs and services — available at no additional cost.

Up to 80% off prescriptions

Optum Perks¹ makes FDA-approved medication more affordable with discount cards and coupons that offer savings at 64K+ pharmacies nationwide.²

Care virtually anywhere

With 24/7 Virtual Visits, employees can connect to care by phone or video³ to help treat a range of nonemergency health conditions, including headaches, pinkeye and more.

Support for emotional well-being

Employees can get care for depression, anxiety, substance use disorder and more. Our plans provide access to self-help digital tools, in-person care and virtual behavioral health providers.

Help for health bills

If members receive medical bills for non-covered services, MedCents Bill Negotiation and Consumer Advocacy Service is here to help negotiate on their behalf.

Benefits administration made easier

If your current benefits administrator lacks capabilities like self-bill management or real-time tracking, we offer an optional service that provides you access to a suite of resources designed for both traditional and part-time workforces. Built for employers with high turnover and complex eligibility rules, this service is managed by Benefit Harbor, though we can work with any benefits administrator.

Real-time automated system tracking and reporting

Complex business-rules eligibility management (e.g., 13-week lookbacks, rehires, benefit suspensions)
Reports to ensure IRS and ACA compliance
Optional IRS filing on behalf of employer

Self-bill management

Preparation of customized payroll files to employers
Preparation of billing invoice with adjustments to pay UnitedHealthcare
Carrier/payroll auditing to ensure data accuracy and integrity

Per pay period missed premium tracking

Member notification of missed premium
Automated auto-term rules that can be customized by employer
Optional direct-pay feature for staff who cannot consistently pay premiums via payroll deductions

Online and call center support

Annual enrollment and new hire enrollment
Life event changes

Specialized expertise for high-turnover industries

300

clients

2.5^M

employee lives

4

of the top 10 U.S. staffing firms rely on Benefits Harbor

For more information or to request a quote, contact

daniel_donohue@uhc.com or tim_mills@uhc.com

Footnotes

Up to 80% savings compared to pharmacy retail pricing. Actual savings may vary.
Optum Rx internal analysis; Pharmacy Solutions at a Glance, July 16, 2025. Accessed 5/1/26.
Data rates may apply.

Disclaimers

Administrative services provided by United HealthCare Services, Inc. or their affiliates, and UnitedHealthcare Service LLC in NY. Stop loss insurance is underwritten by UnitedHealthcare Insurance Company or their affiliates, including UnitedHealthcare Life Insurance Company in NJ, and UnitedHealthcare Insurance Company of New York in NY.

UnitedHealthcare dental coverage underwritten by UnitedHealthcare Insurance Company, located in Hartford, Connecticut, UnitedHealthcare Insurance Company of New York, located in Islandia, New York, or their affiliates. Administrative services provided by Dental Benefit Providers, Inc., Dental Benefit Administrative Services (CA only), DBP Services (NY only), United HealthCare Services, Inc. or their affiliates. Plans sold in Texas use policy form number DPOL.06.TX, DPOL.12.TX and DPOL.12.TX (Rev. 9/16) and associated COC form numbers DCOC.CER.06, DCOC.CER.IND.12.TX and DCERT.IND.12.TX. Plans sold in Virginia use policy form number DPOL.06.VA with associated COC form number DCOC.CER.06.VA and policy form number DPOL.12.VA with associated COC form number DCOC.CER.12.VA. Benefits for the UnitedHealthcare Dental DHMO/Direct Compensation plans are offered by Dental Benefit Providers of California, Inc. UnitedHealthcare Dental is affiliated with UnitedHealthcare.

UnitedHealthcare vision coverage provided by or through UnitedHealthcare Insurance Company, located in Hartford, Connecticut, UnitedHealthcare Insurance Company of New York, located in Islandia, New York, or their affiliates. Administrative services provided by Spectera, Inc., United HealthCare Services, Inc. or their affiliates. Plans sold in Texas use policy form number VPOL.06.TX or VPOL.13.TX and associated COC form number VCOC.INT.06.TX or VCOC.CER.13.TX. Plans sold in Virginia use policy form number VPOL.06.VA or VPOL.13.VA and associated COC form number VCOC.INT.06.VA or VCOC.CER.13.VA. This policy has 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.

UnitedHealthcare Critical Illness product is provided by UnitedHealthcare Insurance Company. Critical Illness coverage is NOT considered “minimum essential coverage” under the Affordable Care Act and therefore does NOT satisfy the mandate to have health insurance coverage. Failure to have other health insurance coverage may be subject to a tax penalty. Please consult a tax advisor. The policies have exclusions, limitations, reductions of benefits, and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, call or write your insurance agent or the company. Some products are not available in all states. UnitedHealthcare Insurance Company is located in Hartford, CT.

UnitedHealthcare Accident Protection product is provided by UnitedHealthcare Insurance Company. The policies have exclusions, limitations, reductions of benefits, and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, call or write your insurance agent or the company. Some products are not available in all states. UnitedHealthcare Insurance Company is located in Hartford, CT.

UnitedHealthcare Hospital Indemnity product is provided by UnitedHealthcare Insurance Company. The product provides a limited benefit for certain hospital indemnity plan benefits. Please note: HOSPITAL INDEMNITY coverage is NOT considered “minimum essential coverage” under the Affordable Care Act and therefore does NOT satisfy the mandate to have health insurance coverage. Failure to have other health insurance coverage may be subject to a tax penalty. Please consult a tax advisor. The policy has exclusions, limitations, reductions of benefits, and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, call or write your insurance agent or the company. This product is not available in all states. UnitedHealthcare Insurance Company is located in Hartford, CT.

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.

Noninsurance services are offered only on specific lines of coverage and are not insurance. These services may be modified or terminated at any time, may not be available in all states and may vary depending on state laws and regulations. Not available in New York and Washington.

These FlexWork products and programs are not available to FlexWork groups in District of Columbia, Guam, Hawaii, Vermont and Puerto Rico.

Person must reside within the United States. An employee residing in Hawaii or Puerto Rico is not an Eligible Person.

All UnitedHealthcare members can access a cost estimate online or on the mobile app. None of the cost estimates are intended to be a guarantee of your costs or benefits. Your actual costs may vary. When accessing a cost estimate, please refer to the Website or Mobile application terms of use under Find Care & Costs section.

All trademarks are the property of their respective owners.

Additional programs and services