UnitedHealthcare Enhances Integration of Medical and Specialty Benefits, Helping Improve Health Outcomes and Affordability
2021年4月28日 - 11:00PM
ビジネスワイヤ(英語)
Enhancements to UnitedHealthcare’s
integrated approach to medical and specialty benefits may help
eligible employers save up to 4%* by combining medical benefits
with vision, dental and financial protection plans, while
supporting a more simplified experience for members
UnitedHealthcare has introduced various enhancements to its
integrated approach to medical and specialty benefits, providing
members with a more simplified experience and enabling employers to
help improve employee health outcomes, increase productivity and
lower costs.1 Through an approach that bundles medical and
specialty plans such as vision, dental and disability, employers
may save up to 4%* on medical premiums and employees can experience
improved health outcomes, due to improved identification and
management of chronic conditions, increased engagement in clinical
care programs and the use of data to create a simpler member
experience.1
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UnitedHealthcare uses an integrated
approach to medical and specialty benefits, which may result in
improved health outcomes, increased productivity and lower costs
for employers. Source: UnitedHealthcare
Recent enhancements and updates to this integrated approach
include:
- Potential Premium Savings and Net Cost Guarantee. A
study of UnitedHealthcare commercial customers with integrated
medical and specialty benefits revealed that they achieved an
average reduction of up to 4% in annual medical costs.1 For
employers with self-funded health plans (more than 300 employees)
that integrate medical and specialty benefits, UnitedHealthcare
offers a Net Cost Guarantee. The savings are the result of improved
health outcomes and the operational simplicity from bundling
medical and specialty benefits, with employers receiving an
administrative fee credit if actual health care costs exceed
projections. Separately, a premium savings program known as
uBundle® enables certain employers with fully insured plans to save
up to 4% per year on medical premiums when combining a
UnitedHealthcare medical plan with specialty benefits such as
dental, vision, life, disability and supplemental health coverage
(accident, critical illness and hospital indemnity plans).*
- Launch of UnitedHealthcare Benefit Ally™. Benefit Ally
is designed to simplify, automate and expedite payouts for
employees whose employers combine three supplemental health plans
with medical benefits. Following a qualified accident, critical
illness diagnosis or hospital stay, Benefit Ally automatically
triggers a payout to the member – all without the plan participant
having to submit a claim or additional paperwork. The
industry-leading program means members may get benefit payouts
faster and easier, while enabling them to focus on getting well.
Benefit Ally is available to select employers in 11 states with
medical and supplemental health plans, including accident, critical
illness and hospital indemnity coverage.** Benefit Ally is expected
to be expanded to more employers and states later this year, and
builds on the success of a similar capability known as Benefit
Assist. Benefit Assist helps make the claims process easier for
members, with 77% of supplemental health claims being initiated by
Benefit Assistants (rather than the member).2
- Expanded Resources for Employers. Later this year,
vision, dental and financial protection aggregate claims
information will be added to Health Plan Manager™, an interactive
online tool that enables employers to analyze and understand health
data, providing an analytics-driven roadmap to help improve health
outcomes, mitigate expenses and empower employees to take charge of
their health. By adding information related to vision, dental and
financial protection plans such as disability, Health Plan Manager
helps employers implement more holistic clinical management and
employee-engagement programs based on comprehensive analytics
applied to various data sources, including aggregate medical and
prescription claims, demographics and clinical and well-being
information. Employers with integrated medical and specialty plans
with UnitedHealthcare already may benefit from a simplified
administrative process, including a single invoice for payment and
a single website and app login for employees.
“These enhancements build upon UnitedHealthcare’s comprehensive
approach to whole-person health, leveraging data and proactive
interventions to support a simplified member experience, flag gaps
in care and help prevent disease before it starts by encouraging
access to preventive care,” said Tom Wiffler, CEO, UnitedHealthcare
Specialty Benefits. “With growing evidence of a link between
overall health and oral, eye, hearing and financial wellness,
combining specialty benefits with medical coverage is encouraging
well-being and proving valuable to employers and employees.”
UnitedHealthcare’s integrated approach enables new insights to
get a better picture of employees’ health, facilitating clinical
interventions, encouraging access to care and supporting them along
their journeys toward a healthier lifestyle. For instance, to help
support people with diabetes and periodontal disease, the
integrated approach cross-checks dental and medical health claim
data to determine if members have missed recommended periodontal
treatments or cleanings. UnitedHealthcare then follows up with the
member with diabetes to help schedule dental treatments or
cleanings, which have been shown to reduce inflammation and improve
diabetes management.3
Similar proactive interventions may be possible for employers
that combine medical benefits with accident, disability, critical
illness, hearing and vision plans. The value of integration extends
beyond specialty benefits too, including applications related to
prescription medications and behavioral health. In fact, employers
may realize an average savings of $16 to $25 per member per month
by adopting an integrated approach to medical and pharmacy, while
lowering emergency room costs by 11% and inpatient medical costs by
15%.4
*Potential savings include the impact from an integrated
approach and uBundle, which applies only to first-year medical
premiums for employers with 51-100 employees; savings through
uBundle continue as long as the program is in effect for employers
with 101 to 2,999 employees, as long as the qualifying benefits
remain in force. uBundle is not available in all states.
**Alabama, Arizona, Georgia, Massachusetts, Minnesota, New
Jersey, Pennsylvania, Texas, Utah, Virginia, Wisconsin.
About UnitedHealthcare
UnitedHealthcare is dedicated to helping people live healthier
lives and making the health system work better for everyone by
simplifying the health care experience, meeting consumer health and
wellness needs, and sustaining trusted relationships with care
providers. In the United States, UnitedHealthcare offers the full
spectrum of health benefit programs for individuals, employers, and
Medicare and Medicaid beneficiaries, and contracts directly with
more than 1.3 million physicians and care professionals, and 6,500
hospitals and other care facilities nationwide. The company also
provides health benefits and delivers care to people through owned
and operated health care facilities in South America.
UnitedHealthcare is one of the businesses of UnitedHealth Group
(NYSE: UNH), a diversified health care company. For more
information, visit UnitedHealthcare at www.uhc.com or follow @UHC
on Twitter.
UnitedHealthcare Benefit Ally™ offers Accident Protection,
Critical Illness and Hospital Indemnity products provided by
UnitedHealthcare Insurance Company. Each product provides separate
limited benefits. Accident Protection, Critical Illness and
Hospital Indemnity coverages are NOT considered “minimum essential
coverage” under the Affordable Care Act and therefore none of the
products satisfy the mandate to have health insurance coverage.
Failure to have other health insurance coverage may be subject to a
tax penalty. Please consult a tax adviser. The policies have
exclusions, limitations, reductions of benefits, and terms under
which the policy may be continued in force or discontinued. For
costs and complete details of the coverage, call or write your
insurance agent or the company. These products are not available in
all states. UnitedHealthcare Insurance Company is located in
Hartford, CT.
1 Review of the impact of the UnitedHealthcare integrated
approach on Key and National Account customers, 2018 2
UnitedHealthcare book of business, 1/1/2020-11/23/2020. 3 British
Dental Journal, 2019, Periodontitis and diabetes | British Dental
Journal (nature.com) 4 UnitedHealthcare claims data, 2020
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version on businesswire.com: https://www.businesswire.com/news/home/20210428005233/en/
Will Shanley UnitedHealthcare (714) 204-8005
will.shanley@uhc.com
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