United Healthcare 2015 Annual Report Download - page 6

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Consumer Engagement Products. Consumer engagement products couple plan design with financial accounts to
increase individuals’ responsibility for 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 engagement services such as personalized behavioral incentive programs and
consumer education. During 2015, nearly 35,000 employer-sponsored benefit plans, including nearly 400
employers in the large group self-funded market, purchased HRA or HSA products from us.
Clinical and Pharmacy Products. UnitedHealthcare Employer & Individual offers a comprehensive suite of
clinical and pharmacy benefits management products, 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, which contribute to improved health and lowered 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 or 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 22,000 vision offices and
more than 80,000 dental offices, in private and retail settings.
UnitedHealthcare Military & Veterans. 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 service.
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 under the Department of Defense’s (DoD)
TRICARE Managed Care Support contract. The contract began on April 1, 2013. The DoD is moving from three
to two regions for 2017. The government intends to make a decision in the spring of 2016, for contracts to begin
delivering services on or about April 1, 2017. UnitedHealthcare Military & Veterans has submitted bids to offer
services under the new contracts.
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