You Have Choices in Funding and Network Options
Networks and coverage wherever you need it.
Our products are ideal for companies with a significant presence within our Intermountain Health footprint: Utah, Idaho, and Nevada. Our diverse local networks within these areas are designed to save you money while providing employees with the access they want.
Outside our footprint, our national network provides expansive coverage in the other 47 states. The UnitedHealthcare Options PPO network includes access to two out of every three healthcare providers and 83% of all hospitals in the U.S.
If you choose a Point-of-Service (POS) plan, your network will be bundled. So, your employees will have access to one of our local networks inside our tri-state footprint as well as in-network coverage through our national network. That means that wherever your employees are living or working, they will have great access to quality providers and facilities.
Three-tier options that save.
In some states, we provide a three-tiered network option that uses price and benefits to direct members to the lowest-cost network, while giving them the freedom to choose wider networks and even go out of network when needed.
Fully Insured Options
Traditional Fully Insured (51+ Employees - Utah & Idaho)
This is a lower-risk option in which employers prepay premiums that include expected claims and fixed costs (administrative fees and risk allocation). We pay for all covered claims as defined in our Group Health Insurance Contract.
Select Health Share (51+ Employees - Utah only)Employer clients receive an underwritten rate in year 1, and then a guaranteed annual increase in years 2 and 3 when employee and employer required engagements are met. Employers also access our robust Healthy Living platform for employees to complete required commitments such as digital health coaching, fitness challenges, and health screenings, which help create a workplace culture of health.
Traditional Self-Funding (typically for employers with 200+ employees - Utah & Idaho)
Our experience providing self-funded administration for some of Utah and Idaho's largest employers, and numerous other clients, has given us a wealth of knowledge in third-party administration. We have dedicated stop-loss, claims, reporting, customer service, and medical management teams that provide high service levels for even the most complicated self-funded arrangements. These teams are assigned to a specific employer, so they know your employees and their specific benefits.
Our flexible plan designs balance cost and coverage while accommodating your unique needs. We provide access to detailed claims reports that pinpoint expenses. Year-over-year we process over 96% of claims within 15 days, so our partner self-funded employers know their costs as soon as possible. With customer service that lets members speak to a live person in 15.3 seconds on average, you and your employees will love our superior service.
Nationally Recognized Doctors and Hospitals
Employers can choose between our networks, which range in size and scope to help you balance cost and access. Choose one of our Point-of-Service (POS) plans and no matter where your employees live, we will have them covered through our national network.