Thinking bigger to bring you more

Simpler. More affordable. Supportive. It's how group health plans should be. And it's why we're focused on delivering solutions built to help make the health system work better for everyone. Like more ways for you and your employees to save, pre-appointment pricing and $0 cost for vital medications.

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Choose from these plans and programs

All built for better health and lower costs for your Pennsylvania business.

UnitedHealthcare Level Funded

For small businesses with 2–50 employees:

Potential average savings of 21% compared to fully insured plans nationwide¹
Possible surplus refund at year-end²
Exemption from many Affordable Care Act (ACA) regulations and state insurance premium taxes

Download brochure (pdf)

Video transcript

Descriptive Transcript for Level Funded Group Health Plans Video

Instrumental music plays throughout. Three white lines curl across a blue background. Blue text centers a white screen. A female announcer speaks.

ONSCREEN TEXT: Level Funded

Group health plans

FEMALE ANNOUNCER: Level-funded health plans have grown in popularity among small businesses nationwide.

Blue text fades out and a map of the US appears with orange and white dots popping up to represent locations on the map. Blue text appears underneath the map. The map cuts to a montage of people in different scenes, working, socializing, and exercising. The female announcer continues.

ONSCREEN TEXT: Kaiser Family Foundation Employer Health Benefits Surveys, 2019 and 2023. For the purposes of the surveys, a "small business" was defined as groups with 3-199 employees.

FEMALE ANNOUNCER: So, how is a level-funded plan different from a fully insured plan? And why might it be a better fit for your business?

The montage wipes to blue text over a white background. Dark and light blue puzzle pieces appear with text over the pieces. The female announcer continues.

ONSCREEN TEXT: Fixed monthly rate

ONSCREEN TEXT: Claims

ONSCREEN TEXT: Plan administration

FEMALE ANNOUNCER: With a fixed monthly rate covering claims and plan administration, level-funded plans act a lot like fully insured plans.

A third puzzle appears with blue text. The female announcer continues.

ONSCREEN TEXT: Stop loss insurance

FEMALE ANNOUNCER: The difference with level-funded is that part of your fixed rate also goes towards stop-loss insurance, which pays covered medical and pharmacy claims costs that are higher than expected.

The puzzle pieces exit the screen and two blue circles appear. On has an icon of a stethoscope, the other has an icon of an RX pill bottle. The circles wipe up out of screen to reveal blue text over a white background. The female announcer continues.

ONSCREEN TEXT: Higher than expected

White screen dissolves into a blue screen with white text. The female announcer continues.

ONSCREEN TEXT: 2 kinds of stop loss insurance

White text slides out of screen to the right. White text wipes in from bottom of screen. The female announcer continues.

ONSCREEN TEXT: Individual

Aggregate

FEMALE ANNOUNCER: There are two kinds of stop-loss insurance built into a level-funded plan, individual and aggregate. Individual stop-loss protects your plan if claims costs are higher than expected for a particular plan participant. Aggregate stop-loss protects your plan if claims costs are higher than expected across your entire group.

Text dissolves and a light blue circle with a white border appears on the screen with white text below. The female announcer continues.

ONSCREEN TEXT: Claims costs

And if your medical and pharmacy claims costs are lower than expected at the end of your plan year, the savings don't stay with the insurance company like they do with a fully insured plan.

The blue circle shifts to left of screen and a white circle appears to the right of it with white text below. The female announcer continues.

ONSCREEN TEXT: Surplus refund

FEMALE ANNOUNCER: Instead, your level-funded plan earns a surplus refund that you can apply to the following year's plan.

The blue circle disappears and the white circle moves to the center of the screen and dissolve to a gold coin-like circle with three white stripes above it. Small white text appears at the bottom of the screen. The female announcer continues.

ONSCREEN TEXT: Please consult a tax and/or legal advisor to determine if, by receiving this refund, there are any restrictions or obligations. Surplus refund available only where allowed by law.

FEMALE ANNOUNCER: Other advantages include exemption from many Affordable Care Act regulations, including adjusted community rating, lower state premium taxes, potential savings compared to fully insured plans, and more flexibility…

The gold coin-like circle dissolves into a white screen with blue text appearing. Each line of text has an orange checkmark before it. The female announcer continues.

ONSCREEN TEXT: Exemption from many

Affordable Care Act regulations

ONSCREEN TEXT: Lower state premium taxes

ONSCREEN TEXT: Potential savings

ONSCREEN TEXT: More flexibility

Blue text dissolves to a light blue screen with a dark blue folder in the center of the screen. Then a yellow, orange, and white folder fan out slightly from the dark blue folder. The female announcer continues.

FEMALE ANNOUNCER: …with a wide choice of plan designs, provider networks, and built-in wellness programs too.

The folders dissolve to a white screen with blue text. The female announcer continues.

ONSCREEN TEXT: It’s easy to see why

ONSCREEN TEXT: more and more businesses

ONSCREEN TEXT: have

ONSCREEN TEXT: made

ONSCREEN TEXT: the switch

ONSCREEN TEXT: Talk to your broker or

UnitedHealthcare representative

to learn more

FEMALE ANNOUNCER: It's easy to see why more and more businesses have made the switch. See if UnitedHealthcare Level-Funded is a better fit for your business too.

Three blue lines circle in forming a U over a white background. Blue text appears in the center of the screen. The music fades out.

ONSCREEN TEXT: United

Healthcare

There for what matters^TM

Small grey text appearing on the bottom of the screen.

ONSCREEN TEXT: 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.

ONSCREEN TEXT: © 2024 United HealthCare Services, Inc. All Rights Reserved. 23-2740752

ONSCREEN TEXT: B2B EI232301050.1 1/24

For businesses with 2+ employees:

Potential average savings of up to 15%⁴ for employers and 50% average employee out-of-pocket savings⁵
Clear upfront copays with no deductibles or coinsurance
Allows members to view medical costs in advance to help them make more informed decisions

Download placemat (pdf)

Video transcript

Upbeat music plays. Blue text appears against a white background.

ONSCREEN TEXT: surest™

A couple walks down a city street, holding hands with their daughter between them. All three smile as their daughter jumps in the air. A narrator speaks in voiceover.

NARRATOR: The Surest health plan was designed to give you clarity, confidence, and peace of mind around your healthcare choices.

A woman crouches beside her son, who gazes at a lake. Two people sit side-by-side in a living room and look at a smartphone. A page from the Surest app appears, displaying a selection of medical practitioners.

NARRATOR: With Surest, you have upfront coverage and cost information to help you make informed health decisions and plan ahead.

A smartphone screen appears against a white background, displaying the homepage of the Surest app.

NARRATOR: How? When you need care, or maybe a new doctor…

The user types “Pink eye” into a search bar, then presses a button labeled “Pink eye Conditions.”

NARRATOR: …our convenient Surest app lets you search for treatment options and costs in our broad — okay, ginormous — provider network.

A list of options appear labeled “Medical Office Visit”, “Virtual Visit”, and “Retail clinic visit.” Prices and descriptions accompany the three options, and buttons that read “Find providers”. Text appears beside the buttons.

ONSCREEN TEXT: Search.

Compare.

Decide.

Providers and prices are fictional. Prices are representative of member copays, no deductible.

A city map pops up with three markers displaying practitioner locations and prices.

NARRATOR: And because it’s better to know than guess, you can search and compare in the app, just like you do for most things.

A list of three practitioners appears with their respective prices highlighted. A man speaks to a doctor through a video chat on his phone.

NARRATOR: And make more informed decisions about your care options. Here’s how it works.

A woman sitting at a desk swipes through her phone. A smartphone appears against a white background.

ONSCREEN TEXT: Providers and prices are fictional. Prices are representative of member copays, no deductible.

NARRATOR: We added things people were missing from their healthcare experience. Like clear costs in advance for services and doctors before you make an appointment.

ONSCREEN TEXT: Clear costs in advance.

The phone swivels to the other side of the view.

NARRATOR: And we got rid of confusing deductibles and coinsurance, so you get a benefit that works for you right away.

ONSCREEN TEXT: $0 Deductibles and coinsurance.

A tween girl cooks in a kitchen while her mother and father chat with her.

NARRATOR: Not after chipping away at a deductible.

A man relaxing on a couch opens a schedule for thyroid surgery.

NARRATOR: Health services that often happen together are combined into single, all-in prices to make things clearer, and help eliminate surprises.

The icons for three practitioners appear. The top has a three star rating and costs $80. The second has three-and-a-half stars and costs $60. The third has four-and-a-half and costs $20.

NARRATOR: More efficient doctors and treatments are typically priced lower, so you can easily compare your options, potentially save, and get more value.

A woman lying in a bed plays with her baby, who sits on her stomach.

NARRATOR: Some services, like preventive care, are zero dollars.

Text appears against a white background.

ONSCREEN TEXT: Preventive care $0.

A woman standing outside a building swipes through her phone.

NARRATOR: With the Surest health plan, you have clarity.

Text appears beside her.

ONSCREEN TEXT: You have clarity.

A man types on his phone.

NARRATOR: You can see your options and prices in advance.

ONSCREEN TEXT: You can see your options and prices in advance.

A young girl runs around her mother’s legs beside a beach.

NARRATOR: You decide what’s best for you and your family.

ONSCREEN TEXT: You decide what’s best for you and your family.

Text appears against a wavy purple background.

ONSCREEN TEXT: surest™

See how powerful simple can be.

surest.com

NARRATOR: That’s Surest.

Text appears.

ONSCREEN TEXT: Insurance coverage for fully insured plans is provided by All Savers Insurance Company (for FL, GA, OH, UT and VA) or by UnitedHealthcare Insurance Company (for AZ, AL, AR, DC, lA, KS, MI, MN, MO, NC, NV, OK, PA, SC, TN and TX). These policies have 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. Administrative services for insurance products underwritten by All Savers Insurance Company and UnitedHealthcare Insurance Company, and for self-funded plans, are provided by Bind Benefits, Inc. d/b/a Surest, its affiliate United HealthCare Services, Inc., or by Bind Benefits, Inc. d/b/a Surest Administrators Services, in CA. Stop loss insurance for level-funded plans is underwritten by United Healthcare Insurance Company.

UnitedHealthcare Benefit Ally®

For businesses with 100+ employees:

Bundles supplemental health products — Accident Protection, Critical Illness and Hospital Indemnity — with a UnitedHealthcare medical plan
Claims data automatically triggers cash payouts to employees when qualified medical expenses are identified
Easy administration — no additional forms required by employers or employees

Download brochure (pdf)

Video transcript

20037B-UHC-E&I-Benefit Ally Video Script

Description:

Video opens up with a girl walking out of the doctor’s office on crutches with a nurse and her father with the following on-screen texts:
45%
under 65
unexpected bill of $500 or more*

Source: *Kaiser Family Foundation poll, Feb. 2020.

Narrator:

It’s a fact of life, accidents can happen. Here’s another fact, 45% of those under the age of 65 can’t afford an unexpected medical bill of $500 or more.

Description: UnitedHealthcare’s logo appear and icons start appearing with the following on-screen texts:

UnitedHealthcare Benefit Ally

Automatic payout

Accidents

Critical Illnesses

Hospitalizations

Narrator:

UnitedHealthcare has a solution called Benefit Ally. Benefit Ally delivers your employees an automatic payout for qualified medical events in the case of accidents, critical illnesses or hospitalizations, no claim form required.

Description:
B-roll of a father holding a baby and looking at a laptop appears. Animations of an umbrella icon and piggy bank icon occur with the following on-screen texts:

Additional supplemental coverage

Positive difference

Narrator:

If purchased, you can cover your employees and their eligible family members. With this easily managed additional coverage, those payouts can make a positive difference.

Description:

B-roll of a person in a hospital with the cast on their right leg with the following on-screen text:

Narrator:

For example, let’s say an employee fractures her leg. The bills for her care add up quickly and they can set the employee back up financially.

Description:

Benefit Ally Payments

Initial care

Emergency room visit: $100

Diagnostic X-ray: $50

Initial physician visit: %50

Total payment $200

Disclaimer: For illustrative purposes only. Example is based on a Value plan design. Cost varies based on packages. For more information, refer to plan benefit materials. Payout from member’s Benefit Ally coverage will be triggered when UnitedHealthcare identifies a qualifying medical event.

Narrator:

But with Benefit Ally, she would get 200 dollars for the initial care received for her broken leg.

Description:

The same image stays on the page but is replaced with the following on-screen text:

Benefit Ally Payments

Follow-up care

Crutches $100

Follow-up physician visits $50

Fracture benefit $750

Total payment $900

Disclaimer: For illustrative purposes only. Example is based on a Value plan design. Cost varies based on packages. For more information, refer to plan

Narrator:

And an additional 900 dollars for the follow-up care. This means, that depending on the type of coverage purchased, she would receive a check for $1100 dollars to use, however she chooses.

Description:
Icon on a lightbulb appears briefly.

Narrator:

Every situation is different, but you get the idea.

Description:

Image of mother holding a baby while on the phone appears.

Narrator:

Benefit Ally can help provide a financial safety net when it’s needed most.

Description:

Image of man talking on the phone while looking at a computer screen appears.

Narrator:

Giving your employees and their families one less thing to worry about when facing an unexpected medical event.

Description:

Blue background appears with the following on-screen text:

Ally

Benefit Ally

Narrator:

It’s good to have an ally on your side. Benefit Ally. Only from UnitedHealthcare.

Description:

Scene prompts the viewer to call the number on your screen or to contact your UHC representative.

Get started

Questions?

Contact your UHC representative

Whole-person employee support

UnitedHealthcare helps you support employees' overall well-being with products and programs⁶ that go beyond just physical health needs.

$0 Vital Medication Program

Eliminates out-of-pocket costs for certain medications like preferred short and long-acting insulins, albuterol, epinephrine, glucagon and naloxone

Specialty benefits

Explore employer-sponsored and voluntary options for dental, vision and financial protection plans

Behavioral Health Solutions

Access an integrated ecosystem of resources for employees and their families to help meet the rising need for behavioral health care

Wellness programs

Programs like UnitedHealthcare Rewards give employees and their covered spouses the chance to earn up to $1,000 each by meeting daily program goals and completing one-time activities

Working for a healthier Pennsylvania

From broader network access to local support, UnitedHealthcare is committed to the Keystone State.

More provider access

Whether your employees are looking for a primary care visit with a local doctor or a specialist in another state, we’ve made it easier for them to find quality care almost anywhere.

1.7M+

providers nationwide⁷

80K+

providers in Pennsylvania⁸

More Pennsylvania community investment

By choosing UnitedHealthcare, employers tap into the power of UnitedHealth Group, an enterprise committed to helping people live healthier lives® and helping make the health system work better for everyone — including right here in Pennsylvania.

$462K+

from UnitedHealth Group and United Health Foundation Giving program⁹

$1.3M+

from employee United for Giving program, including employee contributions and company match⁹

Contact your broker or request more information

Ask for a quote

Footnotes

Average savings for UnitedHealthcare Fully Insured groups 2-50 nationwide migrated to UnitedHealthcare Level Funded, Jan. 1, 2023 – Oct. 31, 2024. Savings are not guaranteed.
Please consult a tax and/or legal advisor to determine if, by receiving this refund, there are any restrictions or obligations. Surplus refund available only where allowed by law.
Group size availability is determined by funding type.
Combination of modeled and actual results across Surest prospects and clients in 2022; independently developed benchmark based on a database containing health care claims from 80 million U.S. lives risk adjusted for demographics, geography, and disease burden.
Members who migrated from a non-Surest plan into a Surest plan in 2022, compared to those who stayed with a non-Surest plan.
Program availability, inclusion, and potential cost are determined by plan design and funding arrangement.
UnitedHealthcare internal analysis, Dec. 31, 2024.
Network Data and Analytics E&I Counts Dashboard as of January 2025. State count includes health care professionals in Pennsylvania.
UnitedHealth Group internal data as of December 1, 2023.

Disclaimers

All trademarks are the property of their respective owners.

Minimum participation requirements may apply for bundling programs. Benefits and programs may not be available in all states or for all group sizes. Components subject to change.

UnitedHealthcare Benefit Ally® offers Accident Protection, Critical Illness, and Hospital Indemnity products provided by UnitedHealthcare Insurance Company. Each product provides separate limited benefits. Accident Protection, Critical Illness and Hospital Indemnity coverages are NOT considered “minimum essential coverage” under the Affordable Care Act and therefore none of the products 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. These products are not available in all states. UnitedHealthcare Insurance Company is located in Hartford, CT.

Vital Medication Program list is subject to change. Opt-in available for ASO clients.

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

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.

UnitedHealthcare fully insured: Insurance coverage provided by or through UnitedHealthcare Insurance Company or its affiliates. 

UnitedHealthcare self-funded: Administrative services provided by United HealthCare Services, Inc. or their affiliates. 

UnitedHealthcare in Pennsylvania: Health Plan coverage provided by or through UnitedHealthcare of Pennsylvania, Inc.

UnitedHealthcare Level Funded: 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.

Surest self-funded: Administrative services provided by United HealthCare Services, Inc. or its affiliates.

Surest fully insured: Insurance coverage provided by UnitedHealthcare Insurance Company or its affiliates. Administrative services provided by United HealthCare Services, Inc. or its affiliates.

Surest level funded: Administrative services provided by United HealthCare Services, Inc. or its affiliates, including United HealthCare Service LLC in NY. Stop-loss insurance underwritten by UnitedHealthcare Insurance Company or its affiliates, including UnitedHealthcare Life Insurance Company in NJ, and UnitedHealthcare Insurance Company of New York in NY.