United Healthcare 2014 Annual Report Download - page 6

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wellness and incentives product that offers gym reimbursement and encourages 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 goals. For large, self-funded customers, the UnitedHealthcare Healthy Rewards program offers
a flexible incentive design to help employers choose the right activities and include appropriate biometric
outcomes that best fit the needs of their employee population. 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.
Essential Benefits Products. UnitedHealthcare Employer & Individual’s portfolio of lower cost products provides
value to consumers through innovative plan designs and unique network programs like UnitedHealth Premium®,
which guide people to physicians recognized for providing high-quality, cost-efficient care to their patients. This
approach to essential benefits is designed to deliver sustainable health care costs for employers, enabling them to
continue to offer their employees coverage at more affordable prices. For example, UnitedHealthcare
Employer & Individual’s tiered benefit plans offer enhanced benefits in the form of greater coinsurance coverage
and/or lower copays for people using UnitedHealth Premium®designated care providers.
Clinical and Pharmacy Products. UnitedHealthcare Employer & Individual offers a comprehensive suite of
clinical and pharmacy benefits management programs, which complement its service offerings by improving
quality of care, engaging members and providing cost-saving options. All UnitedHealthcare Employer &
Individual members are provided access to clinical products that help them make better health care decisions and
better use of their medical benefits, improving health and decreasing medical expenses.
Each medical plan has a core set of clinical programs embedded in the offering, with additional services available
depending on funding type (fully insured or self-funded), line of business (e.g., small business, key accounts,
public sector, national accounts and individuals), and clinical need. UnitedHealthcare Employer & Individual’s
clinical programs include:
• wellness programs;
• decision support;
• utilization management;
• case and disease management;
• complex condition management;
• on-site programs, including Know Your Numbers (biometrics) and flu shots;
• incentives to reinforce positive behavior change;
• mental health/substance use disorder management; and
• employee assistance programs.
UnitedHealthcare Employer & Individual’s comprehensive and integrated pharmaceutical management services
promote lower costs by using formulary programs to produce better unit costs, encouraging consumers to use
drugs that offer improved value and outcomes, and supporting the appropriate use of drugs based on clinical
evidence through physician and consumer education programs.
Specialty Offerings. UnitedHealthcare Employer & Individual also delivers dental, vision, life, and disability
product offerings through an integrated approach including a network of more than 58,000 vision professionals in
private and retail settings, and nearly 75,000 dental offices.
UnitedHealthcare Military & Veterans. UnitedHealthcare Military & Veterans is the provider of health care
services for nearly 3 million active duty and retired military service members and their families in 21 states
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