Group benefit plans

Group benefit plans are insurance plans that employers can purchase for their employees. There are a variety of group health insurance options available, including specialty plans, like vision, dental, pharmacy and more. There are also ways to bundle several plans into one for even more savings. Explore the options to learn more.

Medical insurance

Ancillary/specialty benefits

Dental

Pharmacy

Vision

Other coverage

Not an employer? Find health insurance for individuals and families.

Group plans at-a-glance

Some products are limited to certain states. Please select a state to see if a product is available in your state.

Medical plans

Medical Plans Summary
Plan Name	Type of Plan	Product Information	Group Size
UnitedHealthcare Choice	Open Access	Fixed dollar copayments Coinsurance options Lower out-of-pocket costs for network care	2 to 5,000+
UnitedHealthcare Choice Plus	Open Access	Same features as Choice product, plus: Offers members a level of benefits should they choose to seek care outside the network normally at a higher coinsurance, and/or deductible level	2 to 5,000+
UnitedHealthcare Options PPO	PPO	The freedom to choose any doctor for your health care needs. No referrals needed Cost savings by going to a network physician It is the member's responsibility to obtain approvals for both network and non-network services If a non-network physician is chosen, out-of-pocket costs will be higher and it is the member's responsibility to submit claims	2 to 5,000+

Consumer driven health plans (CDHPs)

Employers can choose one of two funding options to help employees pay for and manage their health care expenses.

Learn more about CDHPs.

Consumer Driven Health Plans Summary
Plan Name	Type of Plan	Product Information	Group Size
Health Reimbursement Account (HRA)	HRA	Employer owns the account. Any type of corresponding health plan arrangement is allowed Unused funds remaining at the end of the plan year can carry over to the following year if the employer configures the account accordingly The account is not portable between employers	2 to 5,000+
Health Savings Account (HSA)	HSA	Employee owns the account A high-deductible health plan is required in order to qualify for an HSA The individual owns the account and any contributions made to it, regardless of the source or timing of the contribution, can be carried over When leaving an employer, the account is portable since the individual owns the account	2 to 5,000+

Dental plans

Dental Plans Summary
Plan Name	Type of Plan	Product Information	Group Size
PPO	Preferred Provider Organization	Features some of the nation's largest networks with discounts up to 35% Extensive plan flexibility with plans that feature matching in- and out-of-network coverage and those that drive network utilization Available in all states except Idaho and Montana	2+, fully insured Self-funded options available for larger groups
INO (In-network only)	In-network coverage only	Priced 20% below similar PPO plans. In-network benefits only drive savings Features some of the nation's largest networks with discounts up to 35% Available in all states except Alabama, Arkansas, Connecticut, Idaho, Kentucky, Louisiana, Maine, Mississippi, Missouri, Montana, New Jersey, North Carolina, North Dakota, Oklahoma, Texas and Vermont.	2+, fully insured Self-funded options available for larger groups
Select Managed Care	Dental Health Maintenance Organization and Direct Compensation	Priced up to 50% less than standard PPO plan Combination of narrow network and the primary care coordination model drives savings Available in California, Florida, Maryland, Nevada, New York, Texas, Virginia, Washington DC	2+, fully insured Available in select markets

Vision plans

Vision Plans Summary
Plan Name	Type of Plan	Product Information	Group Size
Vision	Comprehensive plan	Covers eye exams and complete pair of eyeglasses or contact lenses, after applicable copays and allowances. 20%-40% discount on popular lens options like progressives 20% discount on additional pairs of glasses Access to discounts on laser vision and exclusive pricing on hearing aids Large national network with private practice and retail locations www.myuhcvision.com to find provider, print ID card, order online contacts, and review educational materials	2 eligible, one enrolled fully-insured

Disability plans

Disability Plans Summary
Type of Plan	Features	Coverage Overview	Funding Options
Short term Disability	Integrated claims management services provide support so employees understand expectations for care, recovery and returning to work Bridge2Health Integrated Disability program is automatically included for employers who have purchased both fully insured UnitedHealthcare medical and disability coverages¹	Flexible plan design options based on: Benefit Durations Weekly benefit amounts Non-occupational or 24-hour coverage FMLA and absence management services also available for larger cases	Fully insured Non-contributory (employer-paid) Contributory (employer/employee-paid) for groups with 10+ employees Voluntary (employee-paid) for groups with 10+_Employees
Long Term Disability	Return to work incentives automatically included to support recovery via access to vocational and physical rehabilitation, career planning and transitional work return. Claims management services provide employees with support and access to vocational and physical rehabilitation, career planning and transitional work return Bridge2Health Integrated Disability program is automatically included for employers who have purchased both fully insured UnitedHealthcare medical and disability coverages	Flexible plan design options based on: Benefit durations Monthly benefit amounts Customization for occupational, and industry groups available to groups of 100 or more employees FMLA and absence management services also available for larger cases Optional enhancements such as cost-of-living adjustment (COLA) and child care expense benefit are also available for certain group sizes	Fully insured Non-contributory (employer-paid) Contributory (employer/employee paid) for groups with 10+ employees Voluntary (employee-paid) for groups with 10 or more employees Employee buy-up plans for larger cases

Life insurance plans

Life Insurance Plans Summary
Plan Name	Coverage Overview	Value Added Features	Funding Options
Basic	Choose life coverage based on: flat amounts job level multiple of the employee's salary Also available: Accelerated benefit of up to 50% of covered amount under certain circumstances⁵ Waiver of premiums for disabled employees under age 60⁵ Conversion to an individual life insurance policy under certain circumstances	Additional services for beneficiaries, including grief and loss consultation and financial and legal assistance Extra services for added peace of mind, including employee access to 24/7 travel assistance for domestic and foreign travelers with emergency travel needs, as well as online tools and information for preparing wills and trusts Wealth management account⁴ provides beneficiaries payment via an interest-bearing account	Fully insured Non-contributory (employer-paid) Contributory (employer/ employee-paid) for groups with 10+ employees Voluntary (employee-paid) for groups with
Basic Dependent Life	Add dependent life coverage for spouses and children to the basic plan	100% Employee paid
Supplemental Life	Employees can go beyond the basic plan and buy higher levels of coverage Guaranteed issue amounts are available for life insurance and accidental death and dismemberment insurance based on participation and group size	Voluntary (employee paid) for groups with 10+ employees
Dependent Supplemental Life	Employees can choose to add dependent supplemental insurance	For groups with 10+ employees 100% employee paid
Accidental Death and Dismemberment (AD&D)	This additional insurance provides coverage for loss of life or injuries incurred on or off the job and within 90 days from the date of an accident³ AD&D insurance is included with one of the basic or supplemental life insurance policies	AD&D seat belt benefit of an additional 10% of the AD&D benefit (up to $10,000)⁶ Available for Dependent Supplemental Life coverage

This product overview may not be applicable for all groups. Please refer to your Certificate of Coverage or benefit plan documents for information about actual offerings and coverage.

Hospital indemnity

Hospital Indemnity Insurance Summary
Features	Coverage	Funding Options
Hospital Indemnity Protection Plan Hospital Indemnity Protection Plan pays cash directly to employees to help cover hospital stay costs and related treatment costs.	The Hospital Indemnity Protection Plan can be saved by employees or they can use it to pay for: Their hospital stay and related treatments Their health plan deductible Other out of pocket costs	Non-contributory (fully paid by employer) Voluntary (fully paid by employee) Base / Buy-up (employer pays 100% of Base Plan; Employee pays 100% of Buy-up Plan)

UnitedHealthcare Hospital Indemnity product is provided by UnitedHealthcare Insurance Company on policy forms UHIHIP-POL-TX, et al. and UHIHIP-CERT-TX, et al. in Texas and UHIHIP-POL-VA, et al. and UHIHIP-CERT-VA, et al. in Virginia. The product provides a limited benefit for certain hospital indemnity plan benefits. Please note: HOSPITAL INDEMNITY coverage is NOT considered “minimum essential coverage” under the Affordable Care Act and therefore does NOT 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 advisor. The policy has 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. This product is not available in all states. UnitedHealthcare Insurance Company

Critical illness plans

Critical Illness Plans Summary
Features	Coverage	Riders	Funding Options
Critical illness benefits are paid for illnesses across three categories: cancer, cardiovascular and critical illness (all other) Payment in one category does not terminate the policy Benefits could be paid up to three times, once in each category⁶ Critical Illness coverage is available for employees, spouses and children⁷	The Critical Illness Protection Plan covers 13 critical illnesses across three categories: Cancer Cancer Carcinoma in situ (25%) Cardiovascular Heart attack Heart failure Ruptured aneurysm Stroke Coronary artery bypass (25%) Critical illnesses (all other) Coma Chronic renal failure Major organ failure Paralysis Severe burns Severe brain damage	Optional wellness rider for groups with 51 or more employees Provides $100 benefit to employee and $100 benefit to an insured spouse for designated health screening tests Restoration benefit rider for groups with 100 or more employees Reinstates 100% of the benefit in each of the three benefit categories (cancer, cardiovascular and all other) upon payment of the maximum benefit in that category Occupational HIV rider to health care or other related group with 100 or more employees Provides a one-time, lump-sum benefit equal to 100% of the critical illness coverage amount	Non-contributory (fully paid by employer) Contributory (partially paid by employer) Voluntary (fully paid by employee) Base/buy-up (employer pays 100% of base plan; employee pays 100% of buy-up)

This product overview may not be applicable for all groups. Please refer to your Certificate of Coverage or benefit plan documents for information about actual offerings and coverage.

Accident insurance

Accident Insurance Summary
Features	Coverage	Riders	Funding Options
Accident Insurance Plan Design 24-hour coverage protects insureds for qualifying injuries due to covered accidents 24 hours per day (on and off job) Off-job-only coverage protects insureds for qualifying injuries due to covered accidents outside of work/job hours only Plan Levels Silver Gold Platinum	Base benefits include coverage for accidental death and dismemberment, initial care and hospital care Enhanced benefits include coverage for follow-up care, and covered injuries and services	Optional wellness rider for groups with 51 or more employees Provides an annual lump sum benefit to employee and insured spouse for designated health screening tests. The benefit amount varies by plan level.	Non-contributory (fully paid by employer) Voluntary (fully paid by employee) Base/Buy-up (employer pays 100 percent of base plan; employee pays 100 percent of buy-up plan and offers voluntary coverage for spouse/children)

This product overview may not be applicable for all groups. Please refer to your Certificate of Coverage or benefit plan documents for information about actual offerings and coverage.

Footnotes

Employers who purchase UnitedHealthcare ASO medical may be eligible for Bridge2Health Integrated Disability subject to review of medical care and behavioral management services This product overview may not be applicable for all groups. Please refer to your Certificate of Coverage or benefit plan documents for information about actual offerings and coverage.
Limitations for AD&D include: disease, bodily or mental infirmity, suicide or intentionally self-inflicted injury, commission of an assault or felony, war, use of any drug unless prescribed by a physician, driving while intoxicated, engaging in any hazardous activities, or travel in a private aircraft.
Eligibility for automatic deposit into an Optum Bank Wealth Management Account is subject to qualifying conditions evaluated by Optum Bank and UnitedHealthcare at the time of claim review to include limited availability in certain states. Optum Bank, Member FDIC, is part of the financial services unit of OptumHealth, a UnitedHealth Group (NYSE:UNH) company.
This option is not available for dependent life and some states may have restrictions.
Not payable if the driver was legally intoxicated or under the influence of drugs at the time of the accident.
Lump-sum payments are 100% of the coverage amount unless otherwise noted as a partial benefit. Partial benefits allow the remaining coverage to be paid for another covered illness in that benefit category. Subject to medical verifications and conditions as defined in the policy.
If spouse and/or children coverage is offered as part of the plan.