United Healthcare 2012 Annual Report Download - page 6

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Please find page 6 of the 2012 United Healthcare annual report below. You can navigate through the pages in the report by either clicking on the pages listed below, or by using the keyword search tool below to find specific information within the annual report.

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Essential Benefits Products. UnitedHealthcare Employer & Individual’s portfolio of affordable products drives
value to consumers with lower-cost products, innovative designs and unique network programs that guide people
to physicians recognized for providing quality and cost efficient care to their patients. These approaches are
designed to deliver sustainable health care costs, enabling employers to continue to offer their employees
coverage at more affordable prices. Products such as Catalyst, Edge, Premium Tiered Benefit Plan, Navigate and
CORE offer solutions for employers looking to achieve more affordable costs through tiered benefit plans that
enhance benefits in the form of greater coinsurance coverage and/or lower copays for using UnitedHealth
Premium designated providers.
Clinical and Pharmacy Products. UnitedHealthcare Employer & Individual offers a comprehensive suite of
clinical and pharmacy benefit management programs. The clinical and pharmacy benefit products complement
the service offering by improving quality of care, engaging members and providing cost-saving options.
All UnitedHealthcare Employer & Individual members are provided access to clinical products with the goal of
helping them make better health care decisions, and thus better use of their medical benefits, with the ultimate
goal of 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 and self-
funded), line of business (Individual, Small Business, Key Accounts, Public Sector, and National Accounts), and
clinical need. The spectrum of clinical programs offered to all consumers, regardless of their health goals –
staying healthy, getting healthy, living with a chronic condition includes: wellness, decision support, utilization
management, case and disease management, and complex condition management, workplace on-site programs,
including Know Your Numbers (biometrics) and flu shots, incentives to reinforce positive behavior change,
mental health, substance use disorder management, employer assistance programs and well-being programs. The
programs promote consumer engagement, health education, admission counseling before hospital stays, care
advocacy to help avoid prolonged patients’ stays in the hospital, support for individuals at risk of needing
intensive treatment and coordination of care for people with chronic conditions. Disease and condition
management programs help individuals address significant, complex disease states, including disease-specific
benefit offerings such as the Diabetes Health Plan.
UnitedHealthcare Employer & Individual’s comprehensive and integrated pharmaceutical management services
promote lower costs by using formulary programs to drive better unit costs, encouraging consumers to use drugs
that offer better value and outcomes, and through physician and consumer programs that support the appropriate
use of drugs based on clinical evidence.
Specialty Offerings. UnitedHealthcare Employer & Individual also offers a comprehensive range of dental,
vision, life, and disability product offerings delivered through an integrated approach that enhances efficiency
and effectiveness and includes a network of nearly 55,000 vision professionals in private and retail settings, and
nearly 210,000 dental providers.
UnitedHealthcare Military & Veterans. UnitedHealthcare Employer & Individual’s Military & Veterans
Services business unit has been awarded the Department of Defense’s (DoD) TRICARE Managed Care Support
contract to provide health care services for active duty and retired military service members and their families in
the West Region. UnitedHealthcare Military & Veterans Services will be the Managed Care Support contractor
serving more than 2.7 million TRICARE beneficiaries in 21 states. The contract includes a transition period and
five one-year renewals at the government’s option for health care operations. The first year of operations is
anticipated to begin April 1, 2013.
UnitedHealthcare Military & Veterans’ responsibility as a contractor is to augment the military’s direct care
system by providing managed care support services, provider networks, medical management, claims/enrollment
administration, and customer services. In partnership with government health programs, UnitedHealthcare
Military & Veterans’ mission is to improve the health and well-being of both those who currently serve in the
military and have served in the military in the past, as well as their families, by providing innovative, high-
quality and affordable health care solutions.
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