Group health plans
worth the switch

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

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.