Health plans made for members and retirees

We’ve been innovating to offer options that help people live healthier lives and make the health system work better for everyone.

Surest: A health plan with clear pricing in advance

Instead of deductibles and coinsurance, Surest® offers upfront copays so members can compare costs and know what they’ll pay before making an appointment. Copays are often lower for providers evaluated as high value based on quality, efficiency and overall care effectiveness. In fact, 87% of Surest members with claims checked cost and coverage pre-visit, enabling them to more easily find high-value, lower-cost care.

Up to 15^%

plan sponsor savings¹

Download Surest flier (pdf)

54^%

lower average out-of-pocket costs for members²

Medicare Advantage: A retiree plan with a 4 Star rating

The UnitedHealthcare® Group Medicare Advantage PPO plan with prescription drug coverage (MAPD) is designed for lower out-of-pocket costs and coverage that’s comparable to or better than what members had while they were working.

185⁺

labor and trust Medicare Advantage clients³

Download Medicare Advantage flier (pdf)

60^%

of our members are represented by unions³

Pair our plans with value-added products

Specialty benefits drive more value

Our specialty plans are designed to help enhance your benefits package — and help lower costs when combined with our medical plans. Choose from dental, vision and more.

Learn more

Behavioral health help

When members are faced with life’s challenges, we’ve made it easier to connect to compassionate experts who offer on-demand help for stress, anxiety and depression.

Download Behavioral Health flier (pdf)

Motivation for moving

UnitedHealthcare Rewards offers members up to $1,000 a year for completing one-time activities like a health survey and taking healthy actions like tracking steps and sleep.

Learn more

Contact our Labor and Trust team for details

Let’s connect

Surest actuarial results through 2024.
Surest self-funded 2021 book of business plan sponsors with at least 12 months of incurred experience in 2021 and both medical and pharmacy data within our warehouse; compared to matched comparison groups from a nationally representative commercially insured database matched by gender, age, urbanicity, and ZIP code using exact matching. 141_V03.
UnitedHealthcare internal data, June 2024.

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

UnitedHealthcare Rewards is a voluntary program. The information provided under this program is for general informational purposes only and is not intended to be nor should be construed as medical advice. You should consult an appropriate health care professional before beginning any exercise program and/or to determine what may be right for you. Receiving an activity tracker, certain credits and/or rewards and/or purchasing an activity tracker with earnings may have tax implications. You should consult with an appropriate tax professional to determine if you have any tax obligations under this program, as applicable. If any fraudulent activity is detected (e.g., misrepresented physical activity), you may be suspended and/or terminated from the program. If you are unable to meet a standard related to health factor to receive a reward under this program, you might qualify for an opportunity to receive the reward by different means. You may call us toll-free at 1-866-230-2505 or at the number on your health plan ID card, and we will work with you (and, if necessary, your doctor) to find another way for you to earn the same reward. Rewards may be limited due to incentive limits under applicable law. Components subject to change. This program is not available for fully insured members in Hawaii, Vermont and Puerto Rico nor available to level funded members in District of Columbia, Hawaii, Vermont and Puerto Rico.

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