Consumer-Driven Health (CHD) plan
We offer an alternative solution for large employers looking for the most cost-effective, high-quality health care plan possible. By their very design, consumer-driven health plans engage consumers by imparting incentives, education, and 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.

Our business serves individuals with account-based plan designs and innovative consumer engagement strategies. We educate and activate members to make informed decisions with the help of trusted medical resources and with price and quality data designed to drive market transparency. More than 2.2 million consumers are currently served through our consumer-driven health plans. making us the largest supplier of consumer-driven health plans in America.

We conduct studies on our consumer-driven plans regularly. These plans continue to stimulate positive changes in consumer health behavior – increase use of preventative care and decrease use of acute care. Consumers better understand how their benefits work, realize the advantages of saving early for future health care expenses and current cost savings:

• 25% fewer hospitalizations
• 12% fewer emergency room visits
• Preventive care sought 5% more often than by peers in traditional plans
• CDH enrollees with chronic conditions seek evidence-based care at rates equivalent to, or better than, traditional plan members

For more information on our consumer driven health business, products and services, refer to:

• CDH fact sheet
• July 2006 Consumer-Driven Health Plan Study Summary
• Consumer-Driven Health plan Press Release
• January 2007 Health Savings Account Study Summary
• Quality of Care Study
  

Note: All data is sourced from 2006 internal studies conducted by UnitedHealth Group companies.

UnitedHealthcare Choice
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 712,427 physician locations, 434,189 physicians and 4,985 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 Support program
• 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.

Managed Indemnity
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.

UnitedHealthcare Select – an Exclusive Provider Organization (EPO)
Through UnitedHealthcare Select, your employees choose a primary physician from our extensive network of physicians. The doctor coordinates the member's care. The primary care physician follows the member’s health history, directing their care and recommending other physicians and health care services when appropriate.

UnitedHealthcare Select Plus – a Point-of-Service Plan (POS)
UnitedHealthcare Select Plus is quite similar to its sister plan, Select.  The primary difference is that, through Select Plus, employees receive a level of benefits for non-network services. The level of benefits for in-network services is at a higher level and does not include a deductible. Either way, through Select or Select Plus, members have a vast network of providers from which to choose. Approximately 97% of the country’s population has access to our network of providers.

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.