*Savings figures are approximate and will vary by client and plan comparison.
See benefit plan assumptions used for the purposes of this exhibit below.
Employer savings on HSA plans do not consider reduction to any current HSA seed if moving to Surest, which may increase combined savings to the employer and reduce savings to member.
Benefit plan assumptions:
Non-Surest comparison plan assumes: Choice Plus network, Office Visit/Urgent Care/Emergency Room are subject to copay (after deductible for HSA) and all other services subject to Deductible and Coinsurance and a $10/$35/$60 Rx plan. Out-of-Pocket Maximum is set at 2x deductible shown with 20% coinsurance.
Surest plans assume recommended Rx pairing (A-B: Alt1; C: Alt2; D-F: Alt3).
Consult with your UHC representative for more information.
The Surest plan may offer only modest employer savings if out-of-pocket maximums are similar between offered plans. However, past plan performance suggests most members will still save significantly compared to traditional plans. To maximize employer savings, we suggest reconsidering the approach to out-of-pocket maximums.
Only 1% of Surest members hit their OOPM.1
With no deductible or coinsurance, selecting a higher OOPM keeps the benefits in line with the current plan. We recommend a $2K increase to OOPM. Even bigger increases create more savings without significant additional member exposure.
Put the lowest copay on the spreadsheet. There is a range of copays to choose from for most services. Members can always choose the lowest copay. The copay nature of Surest significantly slows out-of-pocket spending compared to traditional plans.
The Surest plan may offer only modest employer savings if out-of-pocket maximums are similar between offered plans. However, past plan performance suggests most members will still save significantly compared to traditional plans. To maximize employer savings, we suggest reconsidering the approach to out-of-pocket maximums.
Only 1% of Surest members hit their OOPM.1
With no deductible or coinsurance, selecting a higher OOPM keeps the benefits in line with the current plan. We recommend a $2K increase to OOPM. Even bigger increases create more savings without significant additional member exposure.
Put the lowest copay on the spreadsheet. There is a range of copays to choose from for most services. Members can always choose the lowest copay. The copay nature of Surest significantly slows out-of-pocket spending compared to traditional plans.
The Surest plan may offer only modest employer savings if out-of-pocket maximums are similar between offered plans. However, past plan performance suggests most members will still save significantly compared to traditional plans. To maximize employer savings, we suggest reconsidering the approach to out-of-pocket maximums.
Only 1% of Surest members hit their OOPM.1
With no deductible or coinsurance, selecting a higher OOPM keeps the benefits in line with the current plan. We recommend a $2K increase to OOPM. Even bigger increases create more savings without significant additional member exposure.
Put the lowest copay on the spreadsheet. There is a range of copays to choose from for most services. Members can always choose the lowest copay. The copay nature of Surest significantly slows out-of-pocket spending compared to traditional plans.
The Surest plan may offer only modest employer savings if out-of-pocket maximums are similar between offered plans. However, past plan performance suggests most members will still save significantly compared to traditional plans. To maximize employer savings, we suggest reconsidering the approach to out-of-pocket maximums.
Only 1% of Surest members hit their OOPM.1
With no deductible or coinsurance, selecting a higher OOPM keeps the benefits in line with the current plan. We recommend a $2K increase to OOPM. Even bigger increases create more savings without significant additional member exposure.
Put the lowest copay on the spreadsheet. There is a range of copays to choose from for most services. Members can always choose the lowest copay. The copay nature of Surest significantly slows out-of-pocket spending compared to traditional plans.
The Surest plan may offer only modest employer savings if out-of-pocket maximums are similar between offered plans. However, past plan performance suggests most members will still save significantly compared to traditional plans. To maximize employer savings, we suggest reconsidering the approach to out-of-pocket maximums.
Only 1% of Surest members hit their OOPM.1
With no deductible or coinsurance, selecting a higher OOPM keeps the benefits in line with the current plan. We recommend a $2K increase to OOPM. Even bigger increases create more savings without significant additional member exposure.
Put the lowest copay on the spreadsheet. There is a range of copays to choose from for most services. Members can always choose the lowest copay. The copay nature of Surest significantly slows out-of-pocket spending compared to traditional plans.
The Surest plan may offer only modest employer savings if out-of-pocket maximums are similar between offered plans. However, past plan performance suggests most members will still save significantly compared to traditional plans. To maximize employer savings, we suggest reconsidering the approach to out-of-pocket maximums.
Only 1% of Surest members hit their OOPM.1
With no deductible or coinsurance, selecting a higher OOPM keeps the benefits in line with the current plan. We recommend a $2K increase to OOPM. Even bigger increases create more savings without significant additional member exposure.
Put the lowest copay on the spreadsheet. There is a range of copays to choose from for most services. Members can always choose the lowest copay. The copay nature of Surest significantly slows out-of-pocket spending compared to traditional plans.
The Surest plan may offer only modest employer savings if out-of-pocket maximums are similar between offered plans. However, past plan performance suggests most members will still save significantly compared to traditional plans. To maximize employer savings, we suggest reconsidering the approach to out-of-pocket maximums.
Only 1% of Surest members hit their OOPM.1
With no deductible or coinsurance, selecting a higher OOPM keeps the benefits in line with the current plan. We recommend a $2K increase to OOPM. Even bigger increases create more savings without significant additional member exposure.
Put the lowest copay on the spreadsheet. There is a range of copays to choose from for most services. Members can always choose the lowest copay. The copay nature of Surest significantly slows out-of-pocket spending compared to traditional plans.
The Surest plan may offer only modest employer savings if out-of-pocket maximums are similar between offered plans. However, past plan performance suggests most members will still save significantly compared to traditional plans. To maximize employer savings, we suggest reconsidering the approach to out-of-pocket maximums.
Only 1% of Surest members hit their OOPM.1
With no deductible or coinsurance, selecting a higher OOPM keeps the benefits in line with the current plan. We recommend a $2K increase to OOPM. Even bigger increases create more savings without significant additional member exposure.
Put the lowest copay on the spreadsheet. There is a range of copays to choose from for most services. Members can always choose the lowest copay. The copay nature of Surest significantly slows out-of-pocket spending compared to traditional plans.
The Surest plan may offer only modest employer savings if out-of-pocket maximums are similar between offered plans. However, past plan performance suggests most members will still save significantly compared to traditional plans. To maximize employer savings, we suggest reconsidering the approach to out-of-pocket maximums.
Only 1% of Surest members hit their OOPM.1
With no deductible or coinsurance, selecting a higher OOPM keeps the benefits in line with the current plan. We recommend a $2K increase to OOPM. Even bigger increases create more savings without significant additional member exposure.
Put the lowest copay on the spreadsheet. There is a range of copays to choose from for most services. Members can always choose the lowest copay. The copay nature of Surest significantly slows out-of-pocket spending compared to traditional plans.
The Surest plan may offer only modest employer savings if out-of-pocket maximums are similar between offered plans. However, past plan performance suggests most members will still save significantly compared to traditional plans. To maximize employer savings, we suggest reconsidering the approach to out-of-pocket maximums.
Only 1% of Surest members hit their OOPM.1
With no deductible or coinsurance, selecting a higher OOPM keeps the benefits in line with the current plan. We recommend a $2K increase to OOPM. Even bigger increases create more savings without significant additional member exposure.
Put the lowest copay on the spreadsheet. There is a range of copays to choose from for most services. Members can always choose the lowest copay. The copay nature of Surest significantly slows out-of-pocket spending compared to traditional plans.
The Surest plan may offer only modest employer savings if out-of-pocket maximums are similar between offered plans. However, past plan performance suggests most members will still save significantly compared to traditional plans. To maximize employer savings, we suggest reconsidering the approach to out-of-pocket maximums.
Only 1% of Surest members hit their OOPM.1
With no deductible or coinsurance, selecting a higher OOPM keeps the benefits in line with the current plan. We recommend a $2K increase to OOPM. Even bigger increases create more savings without significant additional member exposure.
Put the lowest copay on the spreadsheet. There is a range of copays to choose from for most services. Members can always choose the lowest copay. The copay nature of Surest significantly slows out-of-pocket spending compared to traditional plans.
The Surest plan may offer only modest employer savings if out-of-pocket maximums are similar between offered plans. However, past plan performance suggests most members will still save significantly compared to traditional plans. To maximize employer savings, we suggest reconsidering the approach to out-of-pocket maximums.
Only 1% of Surest members hit their OOPM.1
With no deductible or coinsurance, selecting a higher OOPM keeps the benefits in line with the current plan. We recommend a $2K increase to OOPM. Even bigger increases create more savings without significant additional member exposure.
Put the lowest copay on the spreadsheet. There is a range of copays to choose from for most services. Members can always choose the lowest copay. The copay nature of Surest significantly slows out-of-pocket spending compared to traditional plans.
The Surest plan may offer only modest employer savings if out-of-pocket maximums are similar between offered plans. However, past plan performance suggests most members will still save significantly compared to traditional plans. To maximize employer savings, we suggest reconsidering the approach to out-of-pocket maximums.
Only 1% of Surest members hit their OOPM.1
With no deductible or coinsurance, selecting a higher OOPM keeps the benefits in line with the current plan. We recommend a $2K increase to OOPM. Even bigger increases create more savings without significant additional member exposure.
Put the lowest copay on the spreadsheet. There is a range of copays to choose from for most services. Members can always choose the lowest copay. The copay nature of Surest significantly slows out-of-pocket spending compared to traditional plans.
The Surest plan may offer only modest employer savings if out-of-pocket maximums are similar between offered plans. However, past plan performance suggests most members will still save significantly compared to traditional plans. To maximize employer savings, we suggest reconsidering the approach to out-of-pocket maximums.
Only 1% of Surest members hit their OOPM.1
With no deductible or coinsurance, selecting a higher OOPM keeps the benefits in line with the current plan. We recommend a $2K increase to OOPM. Even bigger increases create more savings without significant additional member exposure.
Put the lowest copay on the spreadsheet. There is a range of copays to choose from for most services. Members can always choose the lowest copay. The copay nature of Surest significantly slows out-of-pocket spending compared to traditional plans.
The Surest plan may offer only modest employer savings if out-of-pocket maximums are similar between offered plans. However, past plan performance suggests most members will still save significantly compared to traditional plans. To maximize employer savings, we suggest reconsidering the approach to out-of-pocket maximums.
Only 1% of Surest members hit their OOPM.1
With no deductible or coinsurance, selecting a higher OOPM keeps the benefits in line with the current plan. We recommend a $2K increase to OOPM. Even bigger increases create more savings without significant additional member exposure.
Put the lowest copay on the spreadsheet. There is a range of copays to choose from for most services. Members can always choose the lowest copay. The copay nature of Surest significantly slows out-of-pocket spending compared to traditional plans.
The Surest plan may offer only modest employer savings if out-of-pocket maximums are similar between offered plans. However, past plan performance suggests most members will still save significantly compared to traditional plans. To maximize employer savings, we suggest reconsidering the approach to out-of-pocket maximums.
Only 1% of Surest members hit their OOPM.1
With no deductible or coinsurance, selecting a higher OOPM keeps the benefits in line with the current plan. We recommend a $2K increase to OOPM. Even bigger increases create more savings without significant additional member exposure.
Put the lowest copay on the spreadsheet. There is a range of copays to choose from for most services. Members can always choose the lowest copay. The copay nature of Surest significantly slows out-of-pocket spending compared to traditional plans.
The Surest plan may offer only modest employer savings if out-of-pocket maximums are similar between offered plans. However, past plan performance suggests most members will still save significantly compared to traditional plans. To maximize employer savings, we suggest reconsidering the approach to out-of-pocket maximums.
Only 1% of Surest members hit their OOPM.1
With no deductible or coinsurance, selecting a higher OOPM keeps the benefits in line with the current plan. We recommend a $2K increase to OOPM. Even bigger increases create more savings without significant additional member exposure.
Put the lowest copay on the spreadsheet. There is a range of copays to choose from for most services. Members can always choose the lowest copay. The copay nature of Surest significantly slows out-of-pocket spending compared to traditional plans.
The Surest plan may offer only modest employer savings if out-of-pocket maximums are similar between offered plans. However, past plan performance suggests most members will still save significantly compared to traditional plans. To maximize employer savings, we suggest reconsidering the approach to out-of-pocket maximums.
Only 1% of Surest members hit their OOPM.1
With no deductible or coinsurance, selecting a higher OOPM keeps the benefits in line with the current plan. We recommend a $2K increase to OOPM. Even bigger increases create more savings without significant additional member exposure.
Put the lowest copay on the spreadsheet. There is a range of copays to choose from for most services. Members can always choose the lowest copay. The copay nature of Surest significantly slows out-of-pocket spending compared to traditional plans.
The Surest plan may offer only modest employer savings if out-of-pocket maximums are similar between offered plans. However, past plan performance suggests most members will still save significantly compared to traditional plans. To maximize employer savings, we suggest reconsidering the approach to out-of-pocket maximums.
Only 1% of Surest members hit their OOPM.1
With no deductible or coinsurance, selecting a higher OOPM keeps the benefits in line with the current plan. We recommend a $2K increase to OOPM. Even bigger increases create more savings without significant additional member exposure.
Put the lowest copay on the spreadsheet. There is a range of copays to choose from for most services. Members can always choose the lowest copay. The copay nature of Surest significantly slows out-of-pocket spending compared to traditional plans.
1 Surest 2022 book of business with plan year starting in January 2022.