Pennsylvania Geisinger

Health plans built on innovation, for quality care

Whether employees are looking for a primary care visit with a local doctor or a specialist in another state, UnitedHealthcare provides quality care options nationwide. And, with the addition of Geisinger to our network,¹ UnitedHealthcare now provides employees with even more quality care options close to home.

1.7^M+

providers nationwide²

81^K+

providers in Pennsylvania³

13^K+

providers in your area³

More employer choice

UnitedHealthcare leverages leading technology to help ensure employers and employees have access to health plans built for simpler experiences, better health outcomes and lower costs.

UnitedHealthcare Level Funded

For small businesses with 2–50 employees:

Potential average savings of 19% compared to fully insured plans⁴
Possible surplus refund at year-end⁵
Exemption from many Affordable Care Act (ACA) regulations and state insurance premium taxes
Specialty lines of coverage can be bundled for additional savings

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

Surest™

For businesses with 51+ employees:

Potential average employer savings of 11%⁶
Clear, upfront copays with no deductible or coinsurance
Allows members to view medical costs in advance to help them make more informed decisions
Specialty lines of coverage can be bundled for additional savings

Download brochure (pdf)

Video transcript

Cheerful instrumental music plays throughout. Montage shows Freeman Beachy working in the Kroger Distribution warehouse.

FREEMAN: Surest gives me peace of mind because I know I won't have a huge bill. They told me that I could look up stuff, see how much it would cost me, and I loved it. I'm Freeman Beachy. I'm a sanitation worker at Kroger Distribution in Columbus, Ohio.

Freeman interviews in the distribution warehouse. White text over a purple box enters from bottom right of screen.

ONSCREEN TEXT: Freeman Beachy Kroger Distribution Center Sanitation Worker

FREEMAN: Basically what I do is clean up after everybody else.

Montage shows Freeman working in the warehouse.

FREEMAN: I take my set up and I go around picking up plastic, paper, cardboard, and wood chips. I'm working in four degrees below zero to 24 degrees below zero.

Montage switches back and forth showing Freeman swiping on his cellphone on the Surest app and being interviewed.

FREEMAN: When I first downloaded the Surest app and then pushed the button and started looking, and I said, "Wow!" I mean, it gave you the prices rather than waiting for the bill. It told you how much you were going to pay up front. Nobody else does that. The best part about Surest is the search function because you cannot do that with anybody else. Period.

A photo of Freeman and Irma appears on screen with a purple border.

FREEMAN: I didn't buy Surest for myself. I bought it for Irma because she has some expensive stuff that she needs done.

Freeman interviews in warehouse.

FREEMAN: My wife used to have osteoporosis, but she gets a Prolia shot twice a year.

Montage shows Freeman working in warehouse then interviewing.

FREEMAN: It used to cost us $1,400 out of pocket twice a year. With Surest, it costs us $400 twice a year. That's $2,000 less.

Montage shows Freeman walking down a hallway with a Kroger logo sign on the wall, then back to working in the warehouse and interviewing.

FREEMAN: It's just so much different than anybody else. I wish they would have had it 15 years ago. It would have saved me a ton of money. If my company would not offer Surest, I would say, "Do you still want me here? Because that's the best." I mean, why go with something else once you've had the best? The big "aha" moment for me was, "I know what I'm going to pay." I never did before. Never. And that's why I hate insurance. Except for Surest.

Freeman laughs. The video dissolves to white text over a purple background. The music fades.

ONSCREEN TEXT: SurestTM See how powerful simple can be.

ONSCREEN TEXT: Surest.com

ONSCREEN TEXT: Insurance coverage for fully insured plans is provided by All Savers Insurance Company (for FL, GA, OH, UT and VA), by United Healthcare of Kentucky, Ltd. (for KY), or by UnitedHealthcare Insurance Company (for AL, AR, AZ, CO, DC, GA, IA, ID, IN, KS, LA, MI, MN, MO, MS, NC, NE, NH, NV, OK, PA, SC, TN, TX, VA and WV). 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.

Screen fades to black.

UnitedHealthcare Benefit Ally®

For businesses with 100+ employees:

Bundles supplemental health products — Accident Protection, Critical Illness and Hospital Indemnity — with a UnitedHealthcare medical plan
Designed to help support your employees by lessening financial burden
Claims data automatically triggers cash payouts to employees when qualified medical expenses are identified
Program is easily administered — no additional forms required by employers or employees

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

More for employees

UnitedHealthcare health plans also help support employees' overall well-being by providing access to services and programs⁷ designed to help achieve better health outcomes.

$0 Vital Medications

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

UnitedHealthcare Rewards

Employees and their covered spouse can earn up to $1,000 each per year for reaching daily program goals and completing one-time activities

One Pass Select™

Access to thousands of gyms at a discounted rate, with no long-term contracts or annual gym registration fees

$0 24/7 Virtual Visits

Employees have $0 copay when accessing 24/7 Virtual Visits via the UnitedHealthcare® app or myuhc.com®

More community investment in Pennsylvania

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.

^$462^K+

from UnitedHealth Group and United Health Foundation Giving program⁸

^$1.3^M+

from employee United for Giving program, including employee contributions and company match⁸

102^K+

UnitedHealth Group employee volunteer hours⁸

Contact your broker or request more information

Email your broker

Ask for a quote

Footnotes

As of April 1, 2023, Geisinger hospitals, healthplexes, clinics and providers are participating with UnitedHealthcare commercial networks only and are available through employer sponsored health coverage.
UnitedHealthcare internal analysis of national network count, Q4 2023.
Network Data and Analytics E&I Counts Dashboard as of January 2024. State count includes health care professionals in Pennsylvania. Local area count includes the following counties: Bradford, Carbon, Centre, Clearfield, Clinton, Columbia, Huntingdon, Juniata, Lackawanna, Luzerne, Lycoming, Mifflin, Monroe, Montour, Northumberland, Pike, Schuylkill, Snyder, Sullivan, Susquehanna, Tioga, Union, Wayne, and Wyoming.
Average savings for UnitedHealthcare Fully Insured groups 2-50 nationwide migrated to UnitedHealthcare Level Funded, Jan. 1, 2022- Dec. 31, 2023. 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.
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.
Program availability, inclusion, and potential cost are determined by plan design and funding arrangement.
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.

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.

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.

The UnitedHealthcare® app is available for download for iPhone® or Android®. iPhone is a registered trademark of Apple, Inc. Android is a registered trademark of Google LLC.

One Pass Select is a voluntary program. For fully insured participants (not available in HI, KS, VT and Puerto Rico) it features a subscription based nationwide gym network. For self-funded participants nationally, it features a subscription based nationwide gym network, digital fitness and grocery delivery service. 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. Individuals should consult an appropriate health care professional before beginning any exercise program and/or to determine what may be right for them. Purchasing discounted gym and fitness studio memberships, digital fitness or grocery services may have tax implications. Employers and individuals should consult an appropriate tax professional to determine if they have any tax obligations with respect to the purchase of these discounted memberships or services under this program, as applicable. One Pass Select is a program offered by Optum. Subscription costs are payable to Optum.

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), by UnitedHealthcare Insurance Company of IL (for IL), by United Healthcare of Kentucky, Ltd. (for KY), or by UnitedHealthcare Insurance Company (for AL, AR, AZ, CO, DC, DE, GA, IA, ID, IN, KS, LA, MI, MN, MO, MS, MT, NC, NE, NH, NV, OK, PA, RI, SC, SD, TN, TX, UT, VA, WV and WY). 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.

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