Specialty products For small business (2-99)

Strengthen your benefit program with our specialty products Your benefit needs don’t stop with just a medical plan. But you don’t want to get bogged down negotiating with multiple vendors or pay too much. UnitedHealthcare offers a broad portfolio of products that make it easy to offer a complete benefit program.

• Products can be purchased individually or bundled for additional cost savings.

• Plans are available on an employer-sponsored or voluntary basis so you can choose how much or how little to contribute.

Let us help you design a benefit program that meets your business goals, your budget and your employees’ needs.

Why choose UnitedHealthcare?

Cost savingsGet administrative credits when you purchase more than one plan from UnitedHealthcare. The more you bundle, the more you save.

The Packaged Savings® program offers a mix of medical and specialty products that result in specified savings. Administrative credit is available as long as eligible benefits remain in force. The more options you choose, the more you will save on your packaged price.

Purchase requirement

Medical + dental

Medical + vision

Medical + life

Medical + short-term disability

Administrative savings per employee per month (PEPM)

$3.00 $2.00 $1.00 $1.00

Any combination of life products (i.e., basic life, dependent life, supplemental life, AD&D) counts as one product for the purpose of the program. Any combination of disability products (i.e., short-term disability, long-term disability) counts as one product for the purpose of the program. Long-term disability must also have Life coverage in place to qualify for the program. Per employee per month savings is given as a monthly credit based on the number of enrolled UnitedHealthcare medical subscribers.

ConvenienceGet these advantages when you purchase multiple products: • One account management team • One eligibility and enrollment process• One dedicated customer service line and member website • Online benefits administration tools via Employer eServices® (EmployereServices.com)

Specialty Products• Dental

• Vision

• Disability

• Life

• Critical Illness

• Accident

Specialty products at a glanceProduct availability, options and features, and funding options, including voluntary, may vary based on your group size and location.

Product Options Key Features

Dental

•• PPO, Indemnity, In-Nework Only and DHMO plans for varying levels of flexibility and savings

•• Dual offerings and voluntary options

•• Some of the nation’s largest networks/discounts up to 35%

•• Enhanced benefits during pregnancy and three months after delivery

•• Oral cancer screenings included for adults

•• Option to roll over unused dollars1

•• Option to exclude preventive care costs from annual maximums2

Vision•• Comprehensive plan (covers eye exam and lenses/frame or contact lenses)3

•• Annual eye exams and complete set of eyeglasses or contacts

•• Nationwide provider network

•• Discounts on lens options and additional eyewear/contacts at participating providers

•• Access to discounts on laser vision correction

•• Preferred pricing on premium hearing aids

Disability•• Short-Term Disability

•• Long-Term Disability

•• Staff members have an average of 15 years of experience working with disability claims

•• Services and support include vocational and physical rehabilitation, career planning and transitional work return

•• Our Bridge2Health program* provides specialized health resources and support for members who file a disability claim

Life Insurance

•• Basic Life

•• Supplemental Life

•• Dependent Life

•• Accidental Death and Dismemberment (AD&D)

•• Flat coverage amounts or multiples of salary

•• Will and trust preparation services included

•• Travel assistance included

•• Beneficiary services included

Critical Illness Insurance4

•• Traditional

•• Base/Buy-Up

•• Cash payments for 13 covered illnesses, including cancer and heart disease

•• Our Bridge2Health program** provides specialized health resources and support if a member develops a covered critical illness

Accident Insurance5

•• Three levels of coverage

•• Base and Buy-Up

•• 24-hour or off-the-job coverage available

•• Benefit schedule covers accidental death and dismemberment, initial care, hospital care, follow-up care and injuries

•• Our Bridge2Health program** provides specialized health resources and support if a member is involved in a covered accident

* Bridge2Health Integrated Disability coverage is available for customers with two or more employees.** Bridge2Health Integrated Critical Illness and Accident coverage are available for customers with 51-plus employees.

Specialty products

Contact your broker or UnitedHealthcare representative.

Get a quote today.

Specialty benefits and programs may not be available in all states or for all group sizes. Components subject to change.

1 Rollover plans available for groups with two or more when there are waiting periods and 10 or more without waiting periods. Ask your broker or UnitedHealthcare representative for details.

2 These optional dental benefit enhancements require 10 or more members.

3 Vision benefits only require two eligible and one enrollee to qualify.

4 Lump-sum payments are 100 percent of the coverage amount unless otherwise noted as a partial benefit. Partial benefits allow the remaining coverage to be paid for another covered illness in that benefit category. Subject to medical verification and conditions defined in policy.

5 Payment equal to the benefit amount per the insured’s plan/schedule of benefits.

UnitedHealthcare Dental® coverage underwritten by UnitedHealthcare Insurance Company, located in Hartford, Connecticut; or its affiliates. Administrative services provided by Dental Benefit Providers, Inc.; Dental Benefit Administrative Services (CA only); United HealthCare Services, Inc.; or their affiliates. Plans sold in Texas use policy form number DPOL.06.TX and associated COC form number DCOC.CER.06. Benefits for the UnitedHealthcare Dental® DHMO plans are provided by or through the following UnitedHealth Group companies: Nevada Pacific Dental; National Pacific Dental, Inc.; Dental Benefit Providers of California, Inc.; and Dental Benefit Providers of Illinois, Inc. The New York Select Managed Care Plan is underwritten by UnitedHealthcare Insurance Company of New York, located in Islandia, New York. Administrative services provided by Dental Benefit Providers, Inc. The Select DHMO plan is underwritten by Dominion Dental Services, Inc. Dominion is licensed as a Limited Health Care Services HMO in Virginia and Pennsylvania, and a Dental Plan Organization in Maryland and Delaware.

UnitedHealthcare Life and Disability products are provided by UnitedHealthcare Insurance Company; in California by Unimerica Life Insurance Company; and in New York by Unimerica Life Insurance Company of New York. In New York, the Life Insurance product is provided on Form LASD-POL-LIFE NY(05/03) and the Disability product on Form LASD-POL-ADD/DIS NY(05/03). In Texas, Life and Disability coverage is provided on Form LASD-POL-TX (05/03) or Form UHCLD-POL 2/2008-TX.

UnitedHealthcare Critical Illness product is provided by UnitedHealthcare Insurance Company on Policy Form UHICI-POL-1. In New York, it is provided by Unimerica Life Insurance Company of New York as Specified Disease Coverage on Policy Form UHICI-POL-1-NY.

UnitedHealthcare Accident Protection plan is provided by UnitedHealthcare Insurance Company and its affiliates on Policy Form UHCAC-POL-1 (01/12).

UnitedHealthcare Insurance Company is located in Hartford, CT; Unimerica Life Insurance Company in Milwaukee, WI; and Unimerica Life Insurance Company of New York in New York, NY. Some products vary by state or may not be available in all states.

UnitedHealthcare Vision® coverage provided by or through UnitedHealthcare Insurance Company, located in Hartford, Connecticut; or its affiliates. Administrative services provided by Spectera, Inc.; United HealthCare Services, Inc.; or their affiliates. Plans sold in Texas use policy form number VPOL.06.TX and associated COC form number VCOC.INT.06.TX.

©2013 United HealthCare Services, Inc.100-11700 2/13 UHCEW599222-000