We are dedicated to bringing creative and effective retiree health care coverage, sophisticated advisory services and financing alternatives to our employer/union clients. Our retiree-focused solutions have been developed by dedicated experts and are targeted to the unique challenges of plan sponsor’s retirees. We are a single-source solution for retiree health care needs and work closely with our clients, their consultants and brokers to develop and design programs and services that enhance business objectives and help improve the quality of life for retirees. We have extensive services that simplify health care, such as our comprehensive clinical care model that supports evidence-based assessment tools, a holistic care management approach and consumer-directed care planning.

We provide enrollment and administrative services, plus Retiree Reimbursement Accounts for employers to allow retirees to use the funds to purchase from a variety of health care product options. The UnitedHealth Group family of companies has served America's Medicare beneficiaries for more than 20 years.

Active Employees
For active employees who’d like to plan ahead for retirement health care costs, we offer either a Health Reimbursement Account or a Health Savings Account. The Reimbursement Account is a notionally pre-funded, tax effective account that can be used by employees to contribute to the cost of their retiree medical plan. An employer and/or employee funded Health Savings Account is pre-funded with funds that can be invested as directed by the individual.  These accounts can be used for future out-of-pocket medical expenses as well as premiums for individuals not yet eligible for Medicare.

UnitedHealth Basics^® for Early Retirees (Pre-65)
Our Early Retiree products are designed for retired individuals and their dependents not yet eligible for Medicare. UnitedHealth Basics is a bridge plan between early retirement and Medicare eligibility. It is a limited benefits plan that provides coverage for annual preventive care, and limited accident and hospitalization coverage. This program is the lowest cost option for employers who wish to continue providing coverage to their early retirees and encourage healthy behavior. UnitedHealth Basics is available on both a self and fully-insured basis. 

In addition to UnitedHealth Basics, we also offer traditional HMO and PPO products, along with Consumer Driven Health Plans.  Many of our plans pay a greater portion of costs for services that maintain good health and prevent future episodes of illness. Services that are discretionary in nature are reimbursed at a lower level. The plans provide incentives for healthy lifestyle habits, and carry reasonable out-of-pocket spending caps to protect retirees from catastrophic illnesses.

Medicare-eligible Retirees (Post-65)
For individuals older than age 65 who are looking for additional coverage, Uniprise offers several solutions. Self- or fully-insured Medicare supplement plans, Medicare Advantage plans and stand alone Medicare Part D programs are offered. These products are augmented by a senior support call center and other support services designed to meet the needs of an older population. We also provide retiree communications specifically designed to meet the needs of an older population, including ID cards with large type for easy reading and “A Guide to Retirement.”