A health benefit that actually feels like a benefit.

The Surest health plan is an employer-sponsored plan available to employers with 2+ employees*. It's not a point solution and provides access to the national UnitedHealthcare network of doctors, hospitals, clinics, virtual providers, and more. It's available on a level funded, fully insured and self-funded basis.

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Employers

Here’s how we do it differently.

Up to 15% lower employer costs

Plan sponsor results varied by plan configuration.1

No deductibles or coinsurance

Members can access the care they need when they need it.

National provider network

Members have access to the UnitedHealthcare network of doctors, hospitals, and clinics.

Clear copays

Members can check costs, coverage, and treatment options before making an appointment.

50% average lower member out-of-pocket costs

When members can see costs in advance, they may choose differently and find opportunities to save.2

Member resources

Built-in tools, like guides and advocacy resources, can support your employees’ wellbeing.

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Calculation Explanation
This calculator is designed to demonstrate potential savings by adopting a Surest plan. Adjust the sliders to indicate the number of employees participating in the medical plan and discover potential savings.
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Offer a sustainable, attractive health benefit without shifting costs to employees.
Employees
5000

Case studies.

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Surest Impact

Health insurance that's easy to understand. Explore our 2022 Impact Summary.

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https://main--uhg-surest--hlxsites.hlx.page/lumen-case-study

Lumen Case Study

Employees save 52% in out-of-pocket expenses and Lumen reduces costs.

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Slumberland Case Study

Slumberland cuts health plan costs by half and decreases employees’ OOP costs.

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https://main--uhg-surest--hlxsites.hlx.page/dayton-childrens-case-study

Dayton Children's Hospital

Read how Surest reduced worry so employees could give their best to patients.

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https://main--uhg-surest--hlxsites.hlx.page/school-district-case-study

School district

Read how Cumberland gave teachers raises and funded a new school building.

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“We're heading into our sixth year of offering Surest. In year one, we had about 67% adoption. In year two, it was 74%. So, by year three, we went full replacement with Surest. It's the only plan we offer today.”

-Sr. Benefits Manager, Slumberland

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Frequently Asked Questions

What is the Surest health plan?
Surest is an employer-sponsored health plan that gives members the tools to see cost and coverage information before the point of care. Members receive quality medical coverage with access to the broad, national UnitedHealthcare and Optum Behavioral Health networks.
How does the Surest plan work?
Surest was designed to give members power over their health experience. There is no deductible, no coinsurance, and no cost-shifting. Instead, members search on the app or website, see what they'll owe in advance, compare options within the national UnitedHealthcare provider network, then decide. With this information, they can plan ahead and choose what works best.
What does the Surest plan provide coverage for?
In-network preventive care • primary and specialty care • urgent, emergency, and hospital care • chronic care for long-term and recurring illnesses • pharmacy • mental and behavioral health services • maternity care • cancer care • substance use disorder • and more
Where is the plan offered?
Surest is an ACA-compliant health plan for employers with 51+ employees. It’s offered through employers in 49 states, excluding Hawaii.
How does this work with other health insurance?
If you have other insurance, call us at 866-683-6440 M-F from 6 am to 9 pm CT to discuss how the plan works with that coverage. Each insurance plan has its own design, and we can help you understand how the two plans might work together.
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Bring Surest to your organization today.

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* Starting employee count varies by state.

1Surest actuarial results through 2024.

2Members who migrated from a non-Surest plan into a Surest plan in 2022, compared to those who stayed with a non-Surest plan.

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