United Healthcare 2012 Annual Report Download - page 5

As the commercial market becomes more consumer-oriented, individuals are assuming more personal and
financial responsibility for their care, and they are demanding more affordable products, greater transparency and
choice and personalized help navigating the complex system. The consolidated purchasing capacity represented
by the individuals UnitedHealth Group serves makes it possible for UnitedHealthcare Employer & Individual to
contract for cost-effective access to a large number of conveniently located care professionals. Individuals served
by UnitedHealthcare Employer & Individual have access to 91% of the physicians and other health care
professionals and 95% of the hospitals in the broad UnitedHealthcare Network; certain care providers are
available only to those consumers served through Medicare and/or Medicaid products.
UnitedHealthcare Employer & Individual is engaging physicians and consumers and using information to
promote well-informed health decisions, improved medical outcomes and greater efficiency. It offers consumers
engaging and informative tools and resources that provide greater transparency around quality and cost, such as
the Premium Designation®program and Health4Me for Apple®and Android®phones, myHealthcareCost
Estimator, Health Care Lane and myuhc.com. These easy-to-use resources support better consumer decisions,
affording members more control over their health care.
UnitedHealthcare Employer & Individual’s distribution system consists primarily of producers (i.e., brokers and
agents) and direct and internet sales in the individual market, producers in the small employer group market, and
consultant-based or direct sales for larger employer and public sector segments. In recent years, the distribution
model has been diversified to include professional employer organizations, associations, and private equity
partners. UnitedHealthcare Employer & Individual offers its products through affiliates that are licensed as
insurance companies, health maintenance organizations (HMOs), or third party administrators (TPAs).
UnitedHealthcare Employer & Individual’s diverse product portfolio offers a continuum of benefit designs, price
points and approaches to consumer engagement, and allows the flexibility to meet the needs of employers of all
sizes as well as individuals shopping for health benefits coverage. UnitedHealthcare Employer & Individual
emphasizes local markets and leverages its national scale to adapt products quickly to meet specific market
needs. UnitedHealthcare Employer & Individual’s major product families include:
Traditional Products. Traditional products include a full range of medical benefits and network options from
managed plans such as Choice and Options PPO to more traditional indemnity offerings. The plans offer a full
spectrum of covered services, including preventive care, direct access to specialists and catastrophic protection.
Consumer Engagement Products and Tools. Consumer engagement products couple plan design with financial
accounts to increase employee ownership of their health and well-being. This suite of products includes high-
deductible consumer-driven benefit plans, which include health reimbursement accounts (HRAs), health savings
accounts (HSAs) and consumer activation services such as personalized multi-channel activation messaging,
behavioral incentive programs and consumer education information. During 2012, nearly 42,000 employer-
sponsored benefit plans, including more than 200 employers in the large group self-funded market, purchased an
HRA or HSA product. The consumer engagement tools provide members with online and/or mobile access to
benefit, cost and quality information.
Value-Based Products. UnitedHealthcare Employer & Individual’s suite of consumer incentive products
increases individual awareness for heightened consumer responsibility and behavior change across diverse client
segments and funding relationships. Examples include: Small Business Wellness, which is a packaged wellness
and incentives product offering gym reimbursement and encouraging completion of important wellness activities.
For mid-sized clients, SimplyEngaged is a scalable activity-based reward program that ties incentives to
completion of health improvement activities, while SimplyEngaged Plus provides richer incentives for achieving
health outcome goals. For large, self-funded customers, UnitedHealthcare Health Rewards program offers a
flexible incentive design for employers to choose the right activities and biometric outcomes that best fit the
needs of their population. Additionally, UnitedHealth Personal Rewards leverages a tailored approach to
incentives by combining personalized scorecards with financial incentives for improving biometric scores,
compliance with key health treatments and preventive care.
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