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Lower costs with UnitedHealthcare

As health care costs are expected to continue to rise — and employers and their employees face increasing economic challenges — developing strategies that help your clients better manage health care costs may be more important than ever.¹UnitedHealthcare is committed to working with you and your clients to implement cost management strategies that meet the moment.

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UnitedHealthcare beats competition by ~10% with its total cost of care approach

Without considering the total cost of care savings a carrier can provide, you and your clients may not have the full financial picture. In fact, taking a holistic approach may save your clients ~10%.² Hear why UnitedHealthcare is engaging third-party firms to validate its cost-savings methodologies, relative to the market. Dive deeper into the results of these studies.

Independent studies are enabling more transparent and accurate cost analyses

Video transcript

Instrumental music plays throughout. A montage shows various shots of Joe Clark interviewing in an office space.

White text over a blue box enters from bottom left of screen.

ONSCREEN TEXT: Joe Clark

SVP, Broker & Consultant Strategy

UnitedHealthcare Employer & Individual

JOE: The first question out of every consultant and every employer's mouth is, prove your total cost of care to me. I hear what you're saying, but we need proof.

Music continues. Blue text appears over a white background.

ONSCREEN TEXT: Getting real about

total cost of care

Blue text dissolves revealing three blue stripes that travel across the screen. Then dissolves to Joe interviewing.

JOE: What we've done at UnitedHealthcare is gone to third-party firms to validate our savings and validate our incremental savings over our competitors.

Blue text appears over white background. Small black text appears underneath. Joe continues interviewing.

ONSCREEN TEXT: ~ 10% average lower

Total cost of care

Than other carriers*

ONSCREEN TEXT: *Wakely Consulting Group: By looking at risk-adjusted allowed claims per

member per month (PMPM) using 2021 claims data, Wakely was able to

perform a holistic comparison of UnitedHealthcare's ability to drive cost

savings for members and determined it outperformed the market by

approximately 10% - even though UnitedHealthcare is not the leader in

discounts in many of these markets. Site of care redirection, inpatient

management and preventive care utilization are key savings drivers.

Video shows an animate computer desk with a hand operating a mouse. Joe continues speaking.

JOE: So we are looking to provide the tools and the data points and the proof points to consultants and brokers that we do drive total cost of care savings.

White text appears over blue screen. Screen then reveals Joe interviewing.

ONSCREEN TEXT:        Total cost of care savings

JOE: When employers look at total cost of care and they're just focused on a discount per unit cost calculation, they're only really seeing 50% of the difference between UnitedHealthcare and its competitors.

Screen reveals a blue circle that turns into a pie chart. Blue text appears in upper left corner. Joe continues speaking.

ONSCREEN TEXT:         Unit costs

Circle graphs moves to left of screen revealing new blue text with an orange checkmark before each line of text. Joe continues speaking.

ONSCREEN TEXT:       Clinical programs

Payment integrity

Site of care redirection

Utilization management

JOE: What a traditional discount calculation misses out on is clinical programs, payment integrity, site of care redirection, utilization management, the whole suite of other programs

that UnitedHealthcare and others offer that add up to more than 50% of the total cost of care pie.

Blue text appears over a white background. Music continues to play.

ONSCREEN TEXT: A more complete

financial picture builds

trust with employers

JOE: So if I think about self-funded employers, they need the confidence that if they're choosing UnitedHealthcare to be their carrier, that UnitedHealthcare will be a great steward of their dollars and will drive total cost savings more than anywhere else they could choose. One of the strategies we've been incorporating lately into our self-funded business is offering total cost of care…

White text appears over blue banner on upper right side of screen. Joe continues speaking.

ONSCREEN TEXT: Total cost of care

guarantees on

top of our typical

financial offer

JOE: …guarantees on top of our typical financial offer and really what that looks like is we will commit to an employer and to a consultant that we will achieve a certain amount of trend

and a certain amount of total cost. And we will put our money behind it.

White text appears over a blue background. Joe continues speaking.

ONSCREEN TEXT: Third-party validation + guarantees

ONSCREEN TEXT: Employers

Consultants & Brokers

JOE: Third-party validation and guarantees, when they're paired together, can really give the confidence to employers and to consultants of the story that we are telling, which is we manage total cost beyond discounts.

White text appears over a blue background. Joe continues interviewing.

ONSCREEN TEXT: Total cost

beyond

discounts

ONSCREEN TEXT: Total cost

of care

savings

JOE: And we drive total cost of care savings. I am incredibly proud of the work UnitedHealthcare

does to drive total cost of care savings and protect the dollars of members and employers.

Blue text appears one word at a time over a white background.

ONSCREEN TEXT: Cost

management

that

meets

the

moment

Music ends.

ONSCREEN TEXT: Talk to your broker, consultant or

UnitedHealthcare representative

to learn more

Three blue lines curl across a blue background. Blue text centers a white screen.

ONSCREEN TEXT: United

Healthcare

There for what matters ^TMSmall black text runs along the bottom of the screen.

ONSCREEN TEXT: Wakely Consulting Group: By looking at risk-adjusted allowed claims per

member per month (PMPM) using 2021 claims data, Wakely was able to

perform a holistic comparison of UnitedHealthcare's ability to drive cost

savings for members and determined it outperformed the market by

approximately 10% - even though UnitedHealthcare is not the leader in

discounts in many of these markets. Site of care redirection, inpatient

management and preventive care utilization are key savings drivers.

Insurance coverage provided by or through UnitedHealthcare Insurance

Company or its affiliates. Administrative services provided by

UnitedHealthcare Services, Inc. or their affiliates.

© 2023 United HealthCare Services, Inc. All rights reserved. 23-2740752

B2B EI22209550.1 12/23

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Learn why tiered networks are finding traction

Health plans that offer a balance among savings, predictability and risk

Designed to offer the potential savings of self-funded plans and the predictability of fully insured plans, level-funded health plans continue to gain momentum.

Read more about level funding

Implementing clinical solutions that help drive better outcomes and lower costs

UnitedHealthcare focuses on providing a guided, connected approach to care that works to manage costs across the care continuum. Learn more about our care management and clinical programs.

Supporting employees to make more informed health decisions

Aimed at supporting an individual’s overall well-being, UnitedHealthcare offers wellness programs and services that work to improve member health and lower costs. Explore our wellness programs and services.

Providing cost support for out-of-network expenses

Available at no extra cost to employees, Naviguard can help employees resolve unexpected, out-of-network medical expenses. To get started, employees can call the number on the back of their UnitedHealthcare ID card or visit naviguard.com for more information.

Stay in the know

Controlling costs in a challenging economic environment demands a cost management strategy that meets the moment. Explore how UnitedHealthcare is bringing together network and plan design, employee engagement and clinical and care management strategies to help drive better health outcomes, a simpler experience and lower costs over the long term.

Get more on cost management

Footnotes

U.S. employers double down on controlling healthcare costs, enhancing affordability. Willis Towers Watson - WTW
Wakely Consulting Group: By looking at risk-adjusted allowed claims per member per month (PMPM) in this first quarter 2022 study, Wakely was able to perform a holistic comparison of UnitedHealthcare’s ability to drive cost savings for members and determined it outperformed the market by approximately 10% — even though UnitedHealthcare is not the leader in discounts in many of these markets. Site of care redirection, inpatient management and preventive care utilization are key savings drivers.

Disclaimer

NOT FOR CONSUMER USE.

Insurance coverage provided by or through UnitedHealthcare Insurance Company or its affiliates.

Administrative services provided by United HealthCare Services, Inc. or their affiliates.

Administrative services provided by United HealthCare Services, Inc. or their affiliates, and UnitedHealthcare Service LLC in NY. Stop-loss insurance is underwritten by UnitedHealthcare Insurance Company or their affiliates, including UnitedHealthcare Life Insurance Company in NJ, and UnitedHealthcare Insurance Company of New York in NY.