UnitedHealthcare believes everyone deserves flexible health care. That’s why UnitedHealthcare offers a range of health insurance plans directly to families and individuals under age 64 through their subsidiary, Golden Rule Insurance Company. From traditional health benefits to Health Savings Accounts Plans and more, Golden Rule has coverage that’s right for you.

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Why UnitedHealthcare?

Dedicated to improving our health care system.

The health care system isn’t healthy. Costs continue to rise. Access to quality care has become increasingly inconsistent. The entire industry is inefficient and overly complex.

UnitedHealthcare are committed to changing health care through outstanding service, valuable products and measurable savings, year after year.

More choices for better health.

UnitedHealthcare has a variety of plans* to help you find the coverage you need at a price you can afford. You can also purchase optional benefits and riders to further increase your coverage.

1. UnitedHealthcare StudentResources provides unparalleled service, including:

   1. 24/7 online access to coverage and account information and forms

   2. Toll-free customer service support

   3. Fast, efficient claims processing

   4. Access to UnitedHealthcare’s Preferred Provider Organization (PPO) national physician network

   5. 24/7 access to NurseLineSM and help from registered nurses

   6. Online access to health resources

2. Health Care Quality

3. The UnitedHealth Premium designation programs helps you choose the right doctor or facility for you.
   Not all health care is equal. According to a 2006 study published in the New England Journal of Medicine, adults receive the recommended medical treatment only 55 percent of the time*. To address the quality difference in health care, UnitedHealthcare developed the UnitedHealth Premium designation program to recognize doctors and specialty centers that meet guidelines for providing quality and cost efficient care.

4. The UnitedHealth Premium physician designation program uses national industry, evidence-based clinical guidelines for its quality of care designation and local market benchmarks for its cost efficiency designation. Doctors who meet the criteria for quality of care receive one star and those who meet cost efficiency and quality standards receive two stars.

5. Quality of Care: These doctors meet the criteria for quality of care based on evidence-based medical standards and practices from medical organizations and governmental agencies such as the Ambulatory Care Quality Alliance, the National Committee for Quality Assurance and the American College of Cardiology, plus scientific advisory boards.

6. Quality and Cost Efficiency of Care: These doctors meet the criteria for quality of care based on evidence-based medical standards and practices as well as the local market benchmarks for providing cost-efficient care.

7. The UnitedHealth Premium specialty center program recognizes specialty centers for their commitment to quality health care in the following areas:

   1. Cardiac Care

   2. Congenital Heart Disease

   3. Neonatology

   4. Spine Surgery

   5. Total Joint Replacement

8. It designates specialty centers on two criteria: quality of care and cost efficiency. Specialty Centers can receive from one to three stars on quality. If the facility meets the quality criteria, it will then be evaluated for cost efficiency and identified as “higher efficiency,” “average efficiency” or “lower efficiency” in addition to their quality designation.

9. *Asch, Steven M. et al. The New England Journal of Medicine. 2006 March 16; 354: 1147-1156.
   

10. GroupHealth Plans*
    

11. Get more from your health care investment.
    UnitedHealthcare makes it easy to offer your employees affordable, high-quality benefits plans and wellness programs.

12. In addition to our traditional group plans, UnitedHealthcare offer vision and dental insurance. UnitedHealthcare also provide international coverage, behavioral health and Medicare coverage options for our members.

13. No matter what your company size or funding preference, UnitedHealthcare have a wide range of affordable benefit solutions to meet your needs.

14. UnitedHealthcare Choice is an "open access" health care plan. Your employees can choose any provider they'd like to see in the UnitedHealthcare national network. There are over 595,000 physicians and health care professionals and 4,965 hospitals nationwide. Members must stay in the network to receive benefits. They have the freedom to choose their physician or specialist without visiting a "primary care physician" for a referral.
    Advantages of the Choice plan include:

    1. Lower out-of-pocket costs for network care

    2. No claim forms or bills to worry about

    3. UnitedHealthcare's Web site myuhc.com for information on benefit eligibility, coverage, account history, claims status, physicians and hospitals, estimated out-of pocket costs, health plan options, health and wellness topics, health records and to ask medical professionals questions online.

15. UnitedHealthcare Choice Plus offers the same key benefits as Choice, including providing members with access to an expansive network of providers. The primary difference between the two plans is that Choice Plus offers members a level of benefits should they choose to seek care outside the network normally at a higher coinsurance, and/or deductible level. Like Choice, Choice Plus does not require members to designate a “primary care physician” to coordinate care, nor are specialist referrals required for eligible services.

16. 1. The freedom to choose any doctor for health care needs. No referrals needed.

    2. Cost savings by using a network physician

    3. It is the network physician’s responsibility to obtain approvals and submit claims for network services only.

    4. If a non-network physician is chosen, out-of-pocket costs may be higher and it is the member’s responsibility to obtain approvals and submit claims

    5. Benefits designs included co-insurance options

17. UnitedHealthcare Consumer Driven Health Plans focus on and drive innovation designed to improve the consumer experience, and UnitedHealthcare's willingness to listen to clients and members, and respond with innovation, has led to leading-edge benefit design, tools and resources.
    
    Across all industries and all company sizes, UnitedHealthcare can give employees access to the right information, tools and support, and help them become more involved in their health care decisions. The results benefit the health of employees and the bottom line of your business.
    
    As an employer, you can choose one of two funding options to help your employees pay for and manage their health care expenses: a Health Savings Account (HSA) orHealth Reimbursement Account (HRA).
    
    An easier way to offer your employees the benefits they deserve.

18. We help you deliver affordable health care to your employees with resources and services that save you time and money.
    
    

19. UnitedHealthcare Consumer Driven plan members also receive the tools, knowledge and support they need to become better health care consumers, including:

    1. Direct access to health care dollar balances

    2. Trusted health information and treatment decision support

    3. Quality data and care comparisons to help choose the right physicians

    4. Online cost estimators to understand the complete cost of care.