Foundational strength

Benefits built on experience and focused on members

Unions have a long tradition of protecting their members’ health. UnitedHealthcare shares that commitment. With decades of experience, we’re dedicated to helping you offer plans designed for improved access to quality care at lower costs.

Medical plans

Delivering a simpler experience – Benefits like $0 copays, virtual care and rewards programs help make it easier for members to get care and work toward better health
Supporting more informed choices – Our tools and resources are built to help members understand their benefits, identify health risks sooner and find options for lower‑cost care

Network

Extensive access – Broad coverage with the nation’s single largest proprietary network¹—1.7M+ physicians and health care professionals and 5K+ hospitals²
Strong provider collaboration – We work closely with network providers to support quality, evidence‑based and cost‑efficient care through value‑based arrangements and data sharing

Self-funding made simpler

Claims administration and trust fund
administration from UMR

Our dedicated third-party administrator (TPA) leverages decades of self-funded experience, integrated products and services, and vendor solutions to tailor benefit plans to support plan sponsors' needs. This full-service TPA also offers trust fund administration services for pension, annuity, vacation, apprenticeship and education funds.

Download UMR flier (pdf)

Joint claims administration from UHSS

UnitedHealthcare Shared Services (UHSS) provides a shared administration model for plan sponsors that self-administer or work with another TPA. This approach allows access to the full UnitedHealthcare network, clinical programs and cost-management capabilities — without changing their existing administrative structure.

Download UHSS flier (pdf)

Request a proposal

And even more pluses

Payment integrity

UMR’s Advanced Claim Review provides a quality control process for health funds that helps ensure accurate claim payments, protect fund assets and minimize costly billing errors through advanced technology and expert oversight

UnitedHealthcare® Group Medicare Advantage PPO

A Medicare Advantage plan with prescription drug coverage (MAPD) designed to give retirees lower out-of-pocket costs with coverage that's comparable to -- or better than -- what they had while working

Financial accounts

Tax‑advantaged health savings account (HSA), health reimbursement account (HRA) and flexible spending account (FSA) options to help members manage out‑of‑pocket costs

Specialty plans

Dental, vision and other specialty benefits that help enhance your benefits package and lower costs when combined with our medical plans

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Footnotes

UnitedHealth Network Access internal analysis, Oct. 2024.
UnitedHealthcare internal analysis, Dec. 31, 2025.

Disclaimers

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 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.  

The UnitedHealthcare plan with Health Reimbursement Account (HRA) combines the flexibility of a medical benefit plan with an employer-funded reimbursement account. Health reimbursement accounts (HRAs) are administered by Optum Financial, Inc. and are subject to eligibility and plan restrictions. This communication is not intended as legal or tax advice. Please contact a competent legal or tax professional for personal advice on eligibility, tax treatment and restrictions.

Flexible spending accounts (FSAs) are administered by UnitedHealthcare and are subject to eligibility and restrictions. A flexible spending account is not insurance. It may also be referred to as a flexible spending arrangement. This communication is not intended as legal or tax advice. Please contact a competent legal or tax professional for personal advice on eligibility, tax treatment, and restrictions. Federal and state laws and regulations are subject to change.

Employee benefits including group health plan benefits may be taxable benefits unless they fit into specific exception categories. Please consult with your tax specialist to determine taxability of these offerings.

Specialty benefits and programs may not be available in all states or for all group sizes. Components subject to change.

Insurance coverage provided by or through UnitedHealthcare Insurance Company or its affiliates. Administrative services provided by United HealthCare Services, Inc. or their affiliates.