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Surest health plan

Offer employees a different kind of health plan with Surest®. This reimagined plan design gives employees control over their health care experience, with savings opportunities and benefits that are designed to be easy-to-understand — all without having to shift costs to employees. You can also offer Surest to employees alongside more traditional health plan offerings.

Brochure: Surest plan (pdf)

More choices, clear upfront prices

No deductible or coinsurance

Surest health plans are copay-only plans. This means employees receive full coverage on day 1, with no deductible to satisfy before their plan starts working for them.

Clear pricing in advance

The Surest app is designed to be easy-to-use, allowing members to search for costs and coverage before scheduling an appointment. This enables members to make informed choices about the providers they choose and where they go for care.

Access to high-value providers and treatments

Surest is built to help members choose more cost-efficient care options, with access to the largest UnitedHealthcare nationwide provider network.

Surest. See how powerful simple can be.

Video transcript

Cheerful instrumental music plays throughout. Montage shows Freeman Beachy working in the Kroger Distribution warehouse.

FREEMAN: Surest gives me peace of mind because I know I won't have a huge bill. They told me that I could look up stuff, see how much it would cost me, and I loved it. I'm Freeman Beachy. I'm a sanitation worker at Kroger Distribution in Columbus, Ohio.

Freeman interviews in the distribution warehouse. White text over a purple box enters from bottom right of screen.

ONSCREEN TEXT: Freeman Beachy Kroger Distribution Center Sanitation Worker

FREEMAN: Basically what I do is clean up after everybody else.

Montage shows Freeman working in the warehouse.

FREEMAN: I take my set up and I go around picking up plastic, paper, cardboard, and wood chips. I'm working in four degrees below zero to 24 degrees below zero.

Montage switches back and forth showing Freeman swiping on his cellphone on the Surest app and being interviewed.

FREEMAN: When I first downloaded the Surest app and then pushed the button and started looking, and I said, "Wow!" I mean, it gave you the prices rather than waiting for the bill. It told you how much you were going to pay up front. Nobody else does that. The best part about Surest is the search function because you cannot do that with anybody else. Period.

A photo of Freeman and Irma appears on screen with a purple border.

FREEMAN: I didn't buy Surest for myself. I bought it for Irma because she has some expensive stuff that she needs done.

Freeman interviews in warehouse.

FREEMAN: My wife used to have osteoporosis, but she gets a Prolia shot twice a year.

Montage shows Freeman working in warehouse then interviewing.

FREEMAN: It used to cost us $1,400 out of pocket twice a year. With Surest, it costs us $400 twice a year. That's $2,000 less.

Montage shows Freeman walking down a hallway with a Kroger logo sign on the wall, then back to working in the warehouse and interviewing.

FREEMAN: It's just so much different than anybody else. I wish they would have had it 15 years ago. It would have saved me a ton of money. If my company would not offer Surest, I would say, "Do you still want me here? Because that's the best." I mean, why go with something else once you've had the best? The big "aha" moment for me was, "I know what I'm going to pay." I never did before. Never. And that's why I hate insurance. Except for Surest.

Freeman laughs. The video dissolves to white text over a purple background. The music fades.

ONSCREEN TEXT: Surest^TMSee how powerful simple can be.

ONSCREEN TEXT: Surest.com

ONSCREEN TEXT: Insurance coverage for fully insured plans is provided by All Savers Insurance Company (for FL, GA, OH, UT and VA), by United Healthcare of Kentucky, Ltd. (for KY), or by UnitedHealthcare Insurance Company (for AL, AR, AZ, CO, DC, GA, IA, ID, IN, KS, LA, MI, MN, MO, MS, NC, NE, NH, NV, OK, PA, SC, TN, TX, VA and WV). 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.

Screen fades to black.

Delivering value in more ways than one

Having the right health plan can make a difference for your bottom line, as well as employee satisfaction. With Surest, you have the opportunity to reduce costs while delivering more value.

Savings for you and your employees

Surest can help members choose more efficient treatments and providers, as well as keep up on preventive screenings and exams. The result? More value for you and your employees

Up to 11% lower employer costs¹
54% average lower out-of-pocket costs for members²

Help attracting and retaining talent

By offering Surest, you can give your employees benefits that actually feel like a benefit

8 out of 10 members surveyed said they would be disappointed if their employer no longer offered the Surest plan³
90% of Surest members re-enrolled in the Surest plan⁴

What you can expect from a Surest health plan

Surest is an ACA-compliant health plan solution that covers what you’d expect from health insurance — like preventive care, prescription drugs, primary and specialty care, urgent and emergency services and more — and can be used with a flexible spending account (FSA).

“I absolutely love that I have no questions regarding this plan. I know exactly what I will pay before I even book an appointment and/ or service. It makes it SO much easier to plan for my life, and even unexpected hurdles.”

— Kaitlin B.

Case studies: A health plan design proving to be simpler and more cost-effective

Adding Surest as a health plan option helped several employers achieve lower costs and a simpler experience for their employees.

Read the case studies

Get a quote and receive more information from a UnitedHealthcare representative

Compare your current coverage with a plan from UnitedHealthcare and see which is the better fit for your business.

Ask for a quote

Are you looking for small business plans?

Compare health plans available in your area for your small business and ask for a quote.

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Footnotes

Combination of modeled and actual results across Surest prospects and clients in 2022; independently developed benchmark based on a database containing health care claims from 80 million U.S. lives risk adjusted for demographics, geography, and disease burden.
Comparison of 2022 medical out-of-pocket spend for members who migrated to a Surest plan in 2022 compared to members from the same employers in a non-Surest plan. 141_V04.
2022 Surest book of business. 131_V03, 125_V03.
The proportion of Surest members enrolled in 2022 who re-enrolled in 2023 with January 1 plan year start dates. 32_V04.

Disclaimers

Eligible groups can vary by state. Check with your UnitedHealthcare representative.

For Fully Insured plans in most states: Insurance coverage provided by UnitedHealthcare Insurance Company or its affiliates. Administrative services provided by United HealthCare Services, Inc. or its affiliates.

For Fully Insured plans in California: Insurance coverage provided by UnitedHealthcare Benefits Plan of California. Administrative services provided by United HealthCare Services, Inc. or its affiliates.

For Fully insured plans in Kentucky: Insurance coverage provided by United Healthcare of Kentucky, Ltd. Administrative services provided by United HealthCare Services, Inc. or its affiliates.

For Fully Insured plans in Illinois: Insurance coverage provided by UnitedHealthcare Insurance Company of Illinois. Administrative services provided by United HealthCare Services, Inc.

For Self-Funded plans: Administrative services provided by United HealthCare Services, Inc. or its affiliates.

For Level-Funded plans: Administrative services provided by United HealthCare Services, Inc. or its affiliates, including United HealthCare Service LLC in NY. Stop-loss insurance underwritten by UnitedHealthcare Insurance Company or its affiliates, including UnitedHealthcare Life Insurance Company in NJ, and UnitedHealthcare Insurance Company of New York in NY.