Unlike traditional health plans, All Savers® Alternate Funding from UnitedHealthcare is truly tailored to your business. And if your employees are healthier and have lower claims than expected, your health plan may have a surplus at year-end that's returned to you as a refund.*
In fact, nearly half of UnitedHealthcare’s All Savers Florida customers received a refund in 2019,1 the average of which was
Wellness programs built to help employees get healthier and lower costs for everyone
Yes, but they differ from a purely self-funded arrangement in important ways. All Savers plans provide additional protection from large catastrophic claims with a stop-loss insurance policy. So you won’t have to pay more for claims throughout the year or at the end of your plan year, even if you have high claims costs.
Your payment doesn’t change month-to-month. All Savers locks in a level-funded monthly payment for your plan year, regardless of your actual employee claims.
Your fixed monthly payment goes toward 3 things:
Every month when you make your payment, part of it goes toward stop-loss insurance. This provides protection from unexpected high claims.
Yes. And they’re included in your plan at no additional cost to you or your employees. Because they’re designed to help your employees get healthier, they may help lower claims and provide more savings for everyone.
The 2 biggest reasons: more savings and more control. With a fully insured plan, your costs are based on a wider pool, including businesses that may have higher overall claims than yours. All Savers is based only on your employees’ medical claims. So when their claims are lower than expected, you may get a refund at year-end.
And when you have a self-funded plan like All Savers, your business may be exempt from many Affordable Care Act regulations and state insurance mandates that can be costly for some small businesses. You may also pay lower premium taxes.
With a variety of plan designs and provider networks available, All Savers can be truly customized to fit your business. It’s worth your time to compare these health plans with your traditional (fully insured) plan to see which may be the better fit.
With a variety of plan designs and provider networks available, All Savers can be truly customized to fit your business. It’s worth your time to compare All Savers with your traditional (fully insured) plan to see which may be the better fit.