Choosing a health care plan for your business would be easy if all your employees were the same. But they're not.
So why not offer multiple plans and control your costs at the same time? UnitedHealthcare Dual-Option® is easy, automatic and personal for you and your employees.Here's how it works.
All your employees are unique, so how do you offer one health plan that will work for all of them while keeping your costs under control?
YOU DON'T!You offer choice.
We call it Dual-Option and it's really easy to do!
You can add, edit or delete plans anytime and create a totally custom package, too. It's up to you!
First things first, think about your employees so you can consider their needs.
A young single who will trade a higher deductible and smaller network for a lower monthly premium.
An employee who wants a plan that is easy to use with an affordable premium and deductible for their family.
A professional who prefers a higher premium, a low deductible and wants an HSA.
Then use our tools to choose the plans that will work best for everyone.
You choose a bronze level plan because...
You choose a gold level plan because...
"That sounds great... but won't that cost me more money?"
Well, it's not really magic. Let us show you how it's done.
Ok, it's a little magic.
We use the first plan you chose to calculate your portion of the cost.
With Dual-Option you select a plan to base your contribution on, called your base plan. That means you can select an affordable option as your base while still offering a second plan with richer benefits. Employees who want that richer coverage can then 'buy up' to the higher cost plan, but there's no additional cost to you.
You choose what percentage of the base plan costs to pay.
Your contribution percentage will automatically be set at your state's minimum amount, usually somewhere around 50%. Regardless of your employee's medical plan choices, your contribution amount is pre-determined and does not change.
What percentage of medical would you like to contribute?
The amount you pay is set at
now it's up to your employees.
Your employees get the power of choice, you get controlled, more predictable health care costs.
The great part?