UnitedHealthcare Catalyst is a very flexible medical plan that allows a range of cost alternatives not otherwise available in a consumer friendly framework. Catalyst is a lower cost health plan alternative that combines first dollar pre-deducible medical, pharmacy, vision and behavioral health coverage with catastrophic medical. There is also a dedicated call center for members.
It is attractive to employers struggling to maintain health care coverage and 3,000+ employers that have a large population of lower-wage and/or part-time workers. The rider - first dollar pre-deductible coverage - can be either network-only or both network and out-of-network.
Consumer-Driven Health (CDH) plan
We offer an alternative solution for large employers looking for a cost-effective, high-quality health care plan. By their very design, consumer-driven health plans engage consumers by imparting educating and providing the tools necessary to make informed decisions on the best ways to manage their own health care. The program is designed to transform "passive participants" into value-conscious consumers and is revolutionizing the health care industry.
Employers can choose one of two funding options to help employees pay for and manage their health care expenses; a Health Savings Account (HSA) or Health Reimbursement Account (HRA).
An HSA allows employees to deposit money into a bank savings account, pre-tax, to use
for qualified medical expenses now or in the future. The employer can contribute to the
account, but the employee owns it, and can carry over any unused funds from year to
year. It is not a "use it or lose it" plan.
An HRA is funded by the employer. Employer distributions are tax-deductible, as are
employee reimbursements. The employer can determine how much to contribute,
which expenses can be covered, and any other applicable rules.
A personalized consumer experience
We believe that greater personalization – and increased personal relevance – is at the heart of better health decisions and a great level of personal engagement. We proactively reach out to employees with personally relevant messages in an effort to maximize the value they receive for their health care dollar, enjoy better health outcomes, and more easily manage their health.
These include phone-based and online education, including personalized, interactive health and wellness programs; personal outreach through individualized messaging; and health coaching/NurseLineSM.
Plan members also receive the tools, knowledge and support they need to become better health care consumers, including direct access to health care dollars, trusted health information and treatment decision support and online cost estimators to understand the complete cost of care.
From the start, our consumer-driven health plans have advanced the consumerism revolution in health care.
UnitedHealthcare Choice is an "open access" health care plan. Your employees
can choose any provider they’d like to see in the UnitedHealthcare National
Network. 97% of the population in the country has access to these providers.
There are over 606,000 physicians and 5,015 hospitals
nationwide. Members must stay in the network to receive benefits. They have
the freedom to choose their physician or specialist without visiting a “primary
care physician” for a referral.
Advantages of the Choice plan include:
- Lower out-of-pocket costs for network care
- No claim forms or bills to worry about
- Access to UnitedHealthcare’s Personal Health
- UnitedHealthcare’s Web site myuhc.com® for information on benefit eligibility, coverage, account history, claims
status, physicians and hospitals, estimated out-of pocket costs, health plan options, health and wellness topics, health records and to ask
medical professionals questions online
UnitedHealthcare Choice Plus
Choice Plus offers the same key benefits as Choice, including providing
members with access to an expansive network of providers. The primary
difference between the two plans is that Choice Plus offers members a
level of benefits should they choose to seek care outside the network.
Like Choice, Choice Plus does not require members to designate a “primary
care physician” to coordinate care, nor are specialist referrals required
for eligible services.
UnitedHealthcare Managed Indemnity offers your employees a flexible solution
for their health care needs. As a managed version of “traditional” indemnity
insurance, your employees make their own health care decisions, including
which licensed doctors and specialists to visit. UnitedHealthcare covers
a percentage of the medical expenses once payment has been made for
the annual deductible. Managed Indemnity does offer some of the cost-effective
programs commonly associated with other, more managed insurance plans.
We allow care management and additional capabilities.
Navigate offers three plan designs that provide traditional health care benefits with the security and guidance of a primary care physician. These plans provide well-rounded coverage for services including: preventive care, primary care physician and specialty office visits; lab, X-ray and diagnostic services; urgent care, emergency services, inpatient hospital services, rehabilitation and skilled nursing facility services; and mental health services. An array of health and wellness resources, such as the Online Health Assessment, Personal Health Record and Online Health Coaching modules, is also included with all plans. See Navigate National Availability Grid for states in which we are approved.
UnitedHealthcare Navigate: network coverage for members with a referral from their primary care physician prior to receiving service from another physician or specialist in the network. Non-network coverage is not available, except in the case of emergency care.
UnitedHealthcare Navigate Balanced: the highest level of coverage for members with a referral from their primary care physician prior to receiving service from another physician or specialist in the network. And, provides a lower level of coverage if there is no referral. Non-network coverage is not available, except in the case of emergency care.
UnitedHealthcare Navigate Plus: the highest level of coverage for members with a referral from their primary care physician prior to receiving service from another physician or specialist in the network. And, provides a lower level of coverage if there is no referral. The lowest level of coverage applies if a non-network provider is used.
UnitedHealthcare Options – a Preferred Provider Organization (PPO)
UnitedHealthcare Options PPO has access to a broad network of physicians
and hospitals nationwide. The plan design offers two levels of coverage
– a higher level of benefits apply for in-network services, and a lower
level of benefits is available for non-network services with somewhat
higher deductibles and co-payments. The plan includes a full spectrum
of covered services and direct access to specialists without the need
to gain approval from a primary care doctor.