Pennsylvania Geisinger

Geisinger is now part of the UnitedHealthcare network

Your employees deserve access to care close to where they work and live. To better serve health care needs across Pennsylvania, we’re proud to welcome all Geisinger hospitals, healthplexes, clinics and providers to the robust UnitedHealthcare network.

1.7^M+

providers nationwide¹

80^K+

providers in Pennsylvania²

10^K+

providers in your area²

Give employees simpler, more personalized experiences

On-demand support. Transparent pricing. It’s what people expect everywhere — from shopping online to streaming services. Shouldn’t they experience health care in the same way?

Consumer centric

Striving to deliver a simpler experience, more affordable coverage and supportive care for the people we serve.

Tech forward

Working to connect people and information to evolve the modern health system.

Enterprise enabled

Unlocking our full potential through internal and external collaboration.

Plan options for all employer sizes

UnitedHealthcare Level Funded

For small businesses with 2–50 employees:

Potential to save 17% compared to fully insured plans³
Flexibility to choose HSA, PPO and EPO plan designs
Stop loss coverage for protection from medical claims risk

Download brochure (pdf)

Video transcript

The UnitedHealthcare logo appears in the center of a white background: a stylized, blue letter U. The U transforms into a ribbon and winds its way across the background to reveal blue text.
ONSCREEN TEXT: Level Funded

Group health plans

Catchy ukulele music with whistling plays.

SPEAKER: Level funded group health plans are becoming more and more popular nationwide.

On a blue map of the outline of the United States, orange pins pop up all over the country. Now a circle graph replaces the map. Most of the circle is dark blue, with a teal sliver indicating the relevant statistic. A percentage appears to the right of the circle.
ONSCREEN TEXT:        7%
Fine print appears at the bottom of the screen.

ONSCREEN TEXT:        Kaiser Family Foundation Employer Health Benefits Surveys, 2019 and 2022. For the purposes of the surveys, a "small business" was defined as groups with 3-199 employees. 2019 survey available: https://www.kff.org/report-section/ehbs-2019-section-10-plan-funding/. 2022 survey available: https://www.kff.org/report-section/ehbs-2022-section-10-plan-funding/. Accessed: Feb 17, 2023.

SPEAKER: Just three years ago, only 7% of small and mid-sized businesses offered a level funded plan. Today, 38% of them do. So how are these plans different from a traditional, fully insured plan, and why are more businesses making the switch?

A new graph appears, with a much larger teal slice in the blue circle. A blue number appears to the left of the circle:

ONSCREEN TEXT:        38%

The same text appears at the bottom of the screen.

ONSCREEN TEXT:        Kaiser Family Foundation Employer Health Benefits Surveys, 2019 and 2022. For the purposes of the surveys, a "small business" was defined as groups with 3-199 employees. 2019 survey available: https://www.kff.org/report-section/ehbs-2019-section-10-plan-funding/. 2022 survey available: https://www.kff.org/report-section/ehbs-2022-section-10-plan-funding/. Accessed: Feb 17, 2023.

Now, against a bright blue background, a blue folder appears. Yellow and orange documents peek out of the folder. A white outline of the UnitedHealthcare logo pops up on the front of the folder. Blue text pops on to a new white background.

ONSCREEN TEXT: Fully insured

Fixed monthly premium

Two rectangles appear below the text, one blue and one gray. White text appears in the blue rectangle.

ONSCREEN TEXT: Claims

Blue text appears in the gray one:

ONSCREEN TEXT: Administration

SPEAKER: With a traditional fully insured plan, your business pays a fixed monthly premium to the insurance company to cover claims and plan administration. With Oxford level funded plans, your business also pays a fixed monthly premium.

A new title pops up in place of "Fully Insured":

ONSCREEN TEXT:        Oxford Level Funded

SPEAKER: Part of that premium goes toward claims and plan administration, just like with a fully insured plan. With level funded plans, part of your premium also goes toward stop loss insurance for medical and pharmacy claims that are covered, even if they’re higher than expected.

Another rectangle pops up to the right of the Administration rectangle. Inside the pale blue rectangle, dark blue text appears:

ONSCREEN TEXT:        Stop loss insurance

The text slides away past the bottom of the screen. Now, blue text appears in the center of a new white background:

ONSCREEN TEXT:        Cover claims

It disappears, and new text pops in.

ONSCREEN TEXT: higher than expected

A dark blue background wipes across the white, and text appears across it.

ONSCREEN TEXT: 2 types of stop loss coverage

SPEAKER: There are two types of stop loss coverage built into your plan: individual and aggregate.

White words appear as if in their own columns on the slide.

ONSCREEN TEXT: Individual Aggregate

SPEAKER: Individual stop loss protects your plan if any one of your plan participants’ claims are higher than expected.
A blue and yellow clipboard slides down over the word "Individual." A white dot bounces down onto the clipboard.

SPEAKER: Aggregate stop loss protects your plan if the entire group's claims are higher than expected. If medical and pharmacy claims are lower than expected at the end of your plan year, the savings don't go to the insurance company like they would with a fully insured plan. Instead, your level funded plan earns a surplus refund that you can apply to the following year's plan.

The blue clipboard slides away, and the word "Aggregate" moves into the center. An orange clipboard slides down over it, and another white dot bounces in. A ring of white dots forms. The view zooms into one of the white dots, and the clipboard disappears. The dot transforms into a teal circle with a white outline. Text appears below it.

ONSCREEN TEXT: Claims

The color drains out of the top quarter of the circle, leaving white space. A new circle slides in beside it, with text beneath:

ONSCREEN TEXT: Surplus refund

Fine print appears at the bottom of the screen.

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.

Gold fills up the white circle on the right as teal drains out of the circle on the left, then they reverse. The gold circle fills all the way up to the top, until it shines like a gold coin. It transforms into a gold medal in the center of the screen.

SPEAKER: With fixed costs and a wide choice of plan designs, wellness programs, and provider networks, level funded health plans act a lot like a fully insured plan, but with more flexibility and potential savings for your business.

Now a person holds a smartphone, and two women talk at a small table with mugs between them. A blond man does yoga on a mat with a small Jack Russell terrier seated in front of him. A doctor listens to a little girl's heart with a stethoscope. She gives her patient a hug. A woman leads a meeting at a boardroom table, and a man smiles at an iPad. Another man talks while sitting at a desk.

SPEAKER: Other advantages include exemption for many Affordable Care Act regulations, lower state premium taxes and potential premium savings compared to fully insured plans.

A new white background swipes across the screen. Blue text fades in with orange checkmarks to the left as bullet points.

ONSCREEN TEXT: Exemption from many Affordable Care Act regulations

Lower state premium taxes

Potential premium savings

SPEAKER: It's easy to see why more and more businesses are making the switch.

Blue text pops on word by word.

ONSCREEN TEXT: It's easy to see why more and more businesses are making the switch

SPEAKER: See if Oxford level funded is a better fit for your business, too.

New text appears as a block in the center.

ONSCREEN TEXT: Talk to your broker or Oxford representative to learn more

The blue ribbon returns and ripples back into the center to form the UnitedHealthcare logo. It fades away, revealing blue text.

ONSCREEN TEXT: UnitedHealthcare Oxford

Fine print appears at the bottom of the screen.

ONSCREEN TEXT: Administrative services provided by Oxford Health Plans LLC. 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. Copyright 2023 Oxford Health Plans LLC All Rights Reserved. 23-2497419-W. B2B EI232301050.0-OXF 7/23

Surest™

For businesses with with 51+ employees:

Potential employer savings of up to 15%⁴
Clear, upfront copays and no deductible or coinsurance
Access to nationwide network of providers through UnitedHealthcare Choice Plus

Download brochure (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.

Talk to your broker today

Contact your broker or UnitedHealthcare representative to get a quote.

Get a quote

Footnotes

Data as of June 30, 2023 using the Network Data and Analytics E&I Counts Dashboard.
Data as of June 29, 2023 using the Network Data and Analytics E&I Counts Dashboard. Local area includes the following counties: Centre, Clinton, Columbia, Juniata, Lackawanna, Luzerne, Lycoming, Mifflin, Montour, Northumberland, Schuylkill, Snyder, Union, and Wyoming.
Average savings for UnitedHealthcare Fully Insured groups 2-50 nationwide migrated to UnitedHealthcare Level Funded, Jan. 1, 2021 – Dec. 31, 2022. Savings are not guaranteed.
Surest self-funded 2020 BoB plan sponsors with both medical and pharmacy data within our warehouse; Milliman 2020 commercial benchmarks and MARA risk adjustment methodology. Risk adjusted for demographics, geography and disease burden. We further adjusted the benchmarks to account for COVID effect, based on the Society of Actuaries 2021 Health Care Cost Model. (Society of Actuaries, 2021 Health Care Cost Model. Available: https://www.soa.org/resources/research-reports/2020/covid-19-cost-model/. Accessed: May 17, 2021.)

Disclaimers

Geisinger is participating with UnitedHealthcare commercial networks only and is available through employer sponsored health coverage.

A health system is a group of healthcare organizations (e.g., physician practices, hospitals, skilled nursing facilities) that are jointly owned or managed.

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.

Mineral™ products and services are provided directly by Mineral, Inc., headquartered at 6701 Koll Center Parkway, Suite 430, Pleasanton, California 94566. ThinkHR®, Mineral® and Mineral Platform™ are registered and unregistered trademarks of Mineral, Inc.

United HealthCare Services, Inc. and Mineral, Inc. are separate entities and independent contractors.

Rally Health® provides health and well-being information and support as part of your health plan. It does not provide medical advice or other health services, and is not a substitute for your doctor’s care. If you have specific health care needs, consult an appropriate health care professional. Participation in the health survey is voluntary. Your responses will be kept confidential in accordance with the law and will only be used to provide health and wellness recommendations or conduct other plan activities.

24/7 Virtual Visits is a service available with a Designated Virtual Network Provider via video, or audio-only where permitted under state law. Unless otherwise required, benefits are available only when services are delivered through a Designated Virtual Network Provider. 24/7 Virtual Visits are not intended to address emergency or life-threatening medical conditions and should not be used in those circumstances. Services may not be available at all times, or in all locations, or for all members. Check your benefit plan to determine if these services are available.

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.

Real Appeal is a voluntary weight management program that is offered to eligible members at no additional cost as part of their benefit plan. The information provided under this program is for general informational purposes only and is not intended to be nor should be construed as medical and/or nutritional advice. Participants should consult an appropriate health care professional to determine what may be right for them. Results, if any, may vary. Any items/tools that are provided may be taxable and participants should consult an appropriate tax professional to determine any tax obligations they may have from receiving items/tools under the program.

Insurance coverage provided by or through UnitedHealthcare Insurance Company or its affiliates.

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: 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 and MO). 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. [dba Surest], its affiliate United HealthCare Services, Inc., or by Bind Benefits Administrators Services [dba Surest] in CA. Stop loss insurance for level funded plans is underwritten by United Healthcare Insurance Company.