Help WRA employer groups balance health plan costs and benefits

UnitedHealthcare and Wisconsin Realtors Association (WRA) have teamed up to offer eligible association members access to Level Funded health plans designed for savings, predictable monthly costs, built-in financial protection and so much more.

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Savings from the start

Level Funded health plans help your clients save an average of 19% on upfront health plan costs while still delivering the benefits plan participants expect.¹ Plus, WRA members who are new to UnitedHealthcare receive a 2% discount.

More to like about our Level Funded plans

Additional cost savings

Exemptions from many ACA regulations (including adjusted community rating) and state premium taxes — plus the potential for a surplus share²if medical and pharmacy claims costs are lower than expected

Predictable payments

Fixed monthly payments help simplify budgeting and include built-in stop loss protection to help shield employer groups from higher-than-expected claims costs

Clear reporting

Access to monthly claims and utilization reports for greater visibility into the plan’s performance, helping your clients make informed decisions

Taking the guesswork out of HR and compliance

Mineral is included with our Level Funded plans to help you manage complex compliance needs — including ACA compliance and reporting. Get how-to resources and templates, expert support and online training to help employer groups navigate a wide range of situations.

Resources for helping clients:

Stay on top of new laws and regulations
Cover HR and compliance basics
Improve organizational health

Support for addressing challenges such as:

Boosting employee engagement
Addressing harassment, diversity and inclusion
Operating in multiple states

A value-added service without added cost

Mineral is available only with UnitedHealthcare Level Funded plans — and it’s included at no additional cost.

View Mineral flier (pdf)

Mineral

Video transcript

Mineral descriptive transcript

Upbeat music plays. The stacked blue U’s of the UnitedHealthcare logo appear, then swirl into three ribbons, revealing an office where two business people review a document on a tablet together. A female narrator speaks in voiceover.

NARRATOR: Business owners have enough on their plates…

A group of six business people have meeting around their desks.

NARRATOR: …without thinking about the shifting regulatory environment…

A woman sitting at a laptop furrows her brow. A man standing behind a laptop at a retail counter holds a phone to his ear.

NARRATOR: …workplace changes…

Business people meet in a conference room. Three servers lift chairs from tables in a restaurant. A woman hands money to a barista in a café.

NARRATOR: …and how they impact their employees and outdate their employee handbook.

A woman gesticulates as she addresses her employees. Orange text appears letter by letter against a white background.

ONSCREEN TEXT: Mineral™

NARRATOR: UnitedHealthcare has teamed up with Mineral…

The text disappears letter by letter. Blue text appears beside orange checkmarks.

ONSCREEN TEXT: HR

Compliance

NARRATOR: …to offer access to the service that helps employers with HR and compliance…

Text appears word by word.

ONSCREEN TEXT: Spend more time

growing their business

NARRATOR: …so they can spend more time growing their business.

The text slides away. An animated blue UnitedHealthcare folder slides into view, and orange and yellow folders peek out from behind it.

NARRATOR: By the way, Mineral is not only included as part of their plan…

ONSCREEN TEXT: Only included

NARRATOR: …it’s only available with a UnitedHealthcare plan.

ONSCREEN TEXT: Only available

An animated hand holding a smartphone slides into view. An orange checkmark appears on the smartphone.

NARRATOR: Mineral is designed to help employers keep current with new laws and regulations.

An animated hand holding an envelope appears.

NARRATOR: It’s also built to help reduce compliance work…

Two stylized animated heads appear in circular bubbles of a long-haired person in a headset and a short-haired person facing each other.

NARRATOR: …address harassment, diversity, and inclusion questions…

Two animated hands fistbump.

NARRATOR: …and support the HR staff with all things compliance related.

White text appears against a blue background. Orange checkmarks appear beside the checklist.

NARRATOR: Business owners will like the fact that it comes with HR-certified experts, an employee handbook builder, a learning management system, and all sorts of other handy tools and resources…

ONSCREEN TEXT: Business owners will like…

HR-certified experts

Handbook builder

Learning management system

A blue folder slides into a view. Yellow, orange, and white folders lean out from behind it.

ONSCREEN TEXT: Make compliance

easier to manage

NARRATOR: …that make compliance easier to manage.

A blue circle appears in the middle of the view, then stretches into a button labeled “Get started.”

NARRATOR: Onboarding starts with a personal link from the mineral team…

The view aims down at a person’s desk. An animated hand holds a mouse beside a keyboard, smartphone, monitor, pencil, and UnitedHealthcare handbook. The word “Personalized” slides out from beneath the keyboard.

NARRATOR: …which provides immediate access…

Text appears against a blue background.

ONSCREEN TEXT: Live demos

Mineral experts

NARRATOR: …and live demo opportunities with Mineral experts.

An animated megaphone hovers in front of a white background. The Mineral logo appears letter by letter.

ONSCREEN TEXT: Mineral™

NARRATOR: So tell your small business clients about UnitedHealthcare’s value added service that helps them quickly and accurately address their HR and compliance matters.

ONSCREEN TEXT: Quickly and

accurately

HR and

compliance

The Mineral logo appears letter by letter.

ONSCREEN TEXT: Mineral™

NARRATOR: Mineral. Let’s get down to business.

Blue text appears.

ONSCREEN TEXT: Reach out to your UnitedHealthcare

representative for more information

Three blue ribbons swirl into the stacked blue U’s of the UnitedHealthcare logo. Text appears.

ONSCREEN TEXT: United

Healthcare

Not For Consumer Use.

Mineral™ products and services are provided directly by Mineral, Inc., headquartered at 6701 Koll CenterParkway, 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.

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

This policy has exclusions, limitations and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, contact your broker or UnitedHealthcare sales representative.

© 2022 United HealthCare Services, Inc. All Rights Reserved. 22-1718324 B2B EI221713620 9/22

Supporting healthier plan participants

24/7 Virtual Visits

Connects plan participants with providers for convenient, nonemergency care from a mobile device³ or computer. Learn about HealthiestYou™, one of our virtual care providers.

View HealthiestYou flier (pdf)

UnitedHealthcare Rewards

Helps plan participants earn rewards for reaching program goals and completing activities, such as walking, biking, tracking sleep and more.

View UHC Rewards flier (pdf)

Explore Level Funded options for WRA employer groups

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Footnotes

Average savings for UnitedHealthcare Fully Insured groups nationwide migrated to UnitedHealthcare Level Funded, Jan. 1, 2025–Dec. 31, 2025. Savings are not guaranteed.
Please consult a tax and/or legal advisor to determine if, by receiving this potential surplus share, there are any restrictions or obligations. Potential surplus share available only where allowed by state law. Actual savings may vary.
Data rates may apply.

Disclaimers

Mineral® products and services are provided directly by Mineral, Inc., (a subsidiary of Mitratech Holdings, Inc.) and is headquartered at 6701 Koll Center Parkway, Suite 430, Pleasanton, California 94566. ThinkHR®, Mineral®, Mineral Experts™, Mineral Intelligence™ and Mineral Platform™ are registered and unregistered trademarks of Mineral, Inc. United HealthCare Services, Inc. and Mineral, Inc. are separate entities and independent contractors.

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.

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 healthcare 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.  

Level Funded: Person must reside within the United States. An employee residing in Hawaii is not an Eligible Person. May not be available in all states.  

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.