All Savers Insurance

All Savers Insurance huge concern for business holders is the cost of their health care. All health savers will be created with alternative funding plans up. With businesses in mind, their goal is to save money and help you and your employees get the most out of the plans.

A different kind of plan

All Savers Insurance Alternate Funding is a self-funded health plan designed especially for businesses with 5–300 employees. It involve 3 parts: Self-paid medical plans that are self-funded also pay for employee benefits and so on their eligible dependent.

All Savers Insurance and United Healthcare Services Inc. or a third-party administrative accordance between United Health care Services LLC in New York for claims procedure, billing client service and other administrative services.

A stop loss insurance policy by All Savers Insurance Company (except MA MN NJ NY ), United Health care All Savers Insurance in and , United Health care Life Insurance Company in and United Health care Insurance Company of New York in. Stop loss insurance assists the plan limit risk by compulsive losses due to huge catastrophic claims by a covered individual, and involves a cap on the all inclusive medical claims payment risk.

With a self-funded health plan, you can pay less premium tax throughout the year and potentially have the opportunity to get additional cashback 2 return at the end of the year where permitted by state law.

All Savers Insurance market experience

• My health benefits access me when I’m unwell. $$$$
• My health benefits assist me stay healthy and lead my condition. $$$
• My health benefits are an essential part of my health.  $$
• My health  benefits assist me make more aware decisions and get the more for my dollars. $

Traditional insurance is a fixed cost

Traditionally with plans the business pays a fixed premium to the insurance company, and then the insurance company Pays medical claims also management cost, Sales commissions and taxes.

If the health care is done and if there are actual claims and more than expected then the insurance company covers them but if the claims are less than expected then the insurance company keeps the difference which means your company will not get anything back if your Employee claims are lower than expected.

All Savers Alternate Funding plans are different

With All Savers Alternate Funding your plan shares savings if covered medical claims are lower than expected. If possible additional refunds at the end of the year were permitted by state law. Should the claims be more than expected if covered, your stop insurance policy covers them.

 Some of the additional benefits of All Savers Alternate Funding Plan are:

• The plan is a level funded plan so your entire company’s entire monthly claims funding will be paid in one go. The plan will not pay any more for claims at the end of the plan year even if your claims are worth more than the maximum.
• Self-funded medical plans are usually not subject to state insurance mandates or state insurance premium taxes, which may mean less costs all over the year, but stop-loss coverage ups may also be subject to premium taxes.

Best case: Low medical claims

Your company’s monthly payments will involve an estimate for health care claims plus fixed-cost items, executive fees, and stop loss insurance premiums. So that you don’t get thrust and end the year with any sudden expenses.

If part of your monthly payments will go into this account, eligible medical claims of your covered employees are paid. At the end of the year the monthly claims funding payment will be compared to the actual claims costs. Best case scenario is if the actual claims cost for the year is less than what is estimated there is a surplus in the plan.

A portion of any excess money sent after the plan returned to your plan for use the following year and a portion is retained as a deferred service fee where permitted by state law.

Worst case: High medical claims

Even in the worst case scenario the actual medical claims turn out to be higher than expected but because your plan has already paid the highest liability you cannot have the plan pay more for covered claims at the end of every year.

Stop-loss All Savers Insurance helps the plant limit risk by absorbing high catastrophic claims losses and is already included in your monthly payments. In any case, many businesses could save all along Savers Alternate Funding Plan.

Traditional, split copay and plan designs HSA

• $0 (PCP ) network copays for kids (EPO/PPO) 
• Coinsurance options: 80% or 100% 
• Embedded/non-embedded deductibles
• Individual stop loss limits: $15K–$50K (varies by state and group size) 
• 30- to 90-day retail or mail order pharmacy supplies
• Savings with hearing benefit offering device discounts 
• Deductible range: $500 to $6,350
• Survivorship Benefit involve with all medical plans — continued coverage accessible for dependents when a plan contributor passes away

Tiered Benefit plans

• Premier formance —deductible range $1,000‒$5,000, 80% coinsurance. $0 PCP copay for kids, $10–$15 copay for adults. 
• Specialist tiering (not accessible in all markets) Advanced —deductible range $1,000 – $5,000, 50% coinsurance • Premier formance

Flex Focus plans  

• $0 copay for the first 3 PCP/specialists combined visits  
• Deductible range $1,000–$3,000, 80% coinsurance  
• $0 copayment for the first 2 urgent care visits 

Innovative wellness programs 

• Rally
• All Savers Insurance Motion (motion activity)*
• HealthiestYou™ (virtual care)

Packaged Savings and uBundle programs

• Bundle our medical plans with features Products Dental & Vision Life.
• The more you bundle up, the more savings.
• Per plan Participant per month Savings paid monthly Management based on the number of enrollees Credit Savings Medical Subscribers.
• Packaged Secure credits left in place as long as the eligible coverages remain in force for 5–50 eligible employees
• uBundle credits remain in place as long as the eligible coverages remain in force for 51–300 eligible employees 
• Dental, vision or life must sold with medicine.

All Savers Alternate Funding offers wellness options

As part of your benefit plan and at no additional cost, we give ways to assist you and your employees manage as much care and health as we can for you in your health. Want to make it easy to actively engage.

United Healthcare Motion

• Register Receive a $55 registration credit that can used to buy an Activity Tracer saved for quarterly payment
• Wear an activity tracker and meet specific daily walking goals and earn rewards
• Promote healthy habits while reaping financial rewards.
• Enrolled employees and spouses can each contribute more than $1,000 per year to a Health Savings Account HSA that is used for qualified medical expenses.
• Out-of-pocket limit Quarterly reimbursement for expenses applicable to calendar year      expenses 50% calendar year unpaid rewards for those on a non-HSA plan
•  United Health care Motion is not available in DE, KS, MO, NJ, PA or WI

Dedicated service

Customer Care Advocates

Our team of advocates is responsible for giving advice and support with every client’s interaction by actively listening, responding with urgency and owning the final results.

Service excellence model

Our teams of dedicated customer care advocates own organisational processes. As a result of the timely resolution of clients inquiries. We create trust through our first contact. Resolution and compassionate service model by walking in our shoes. Clients value our voice, our clients.

Specialised support

Our Clients Care Advocates give support to manage your health care needs. We have acquired a dedicated technical specialist from every business unit to effectively manage all facets of plan administration. We give guided website education for our clients  to help you with the navigation of your health care. Our aim is to assist our clients become well informed

Occupied with their health care functionality programs, online tools and locating a supplier. We help with closing the gaps in health care understanding by giving helpful and detailed information concerning benefit choices. 

Customised solutions

Our customised services help our members stay healthy and live by using our health and other programs. We encourage cost-effective decisions through our education. Customers about options other than us wellness Programs HSA : 

• Rally 
• HealthiestYou™
• Expert Medical Services 
• UnitedHealthcare Motion

Advocating for our customers

• Honour our promises with a high level of personalization are in integrity
• Devoted to give high quality results through performance Virtue. 
• To challenge Stagnation Provide modern ideas (solutions).
• Permit Teams dedicated to prepare Clients connection. 
• Make a real compassionate perspective within every customer

Health plan options for business owners

The savings are made on purchasers with their health plans outlined to address the challenge of rising health care costs by providing flexibility and choices with alternatives Funding plans. All Savers Insurance offering access to the huge proprietary nation. All Savers Insurance network and OptumRx network of pharmacies.

Cost control

 Eligibility for potential excess refund 2 when medical claims amount is less than expected.

• Level funding:
• Monthly claims funding payments all over the plan year
• Not subject to regulate group rating.
• Networks and clinical programs that focus on appropriateness and cost-effectiveness.
• In cases where medical claims elevated than expected, automatic stop loss refunds.

Variety of plan designs

• HAPO EPO Plan PortfolioHSA, PPO and EPO Plan Portfolios to meet the needs of your  families and employees:

               – $0 Primary Care Physician (PCP) network copays for children (EPO/PPO)

               – Deductions that range from $500 to $6,350.

               – Coinsurance options of 80% or 100%

• The freedom to secure and bundle UnitedHealthcare specialty benefits, while also taking advantage of shared billing. Packaged savings program for groups 5‒50, and uBundle program for groups 51‒300. Acceptable conditions may vary by state.
• The Real Appeal online weight loss program is accessible to eligible participants as part of their benefit plan.
• Savings with hearing benefits provide device deductions.
• Survivance Benefit involved with all medical plans – continuous coverage is accessible for dependents at the time the plan participant dies.

Innovative wellness programs

• All Savers Insurance Motion: Use a motion device to trace steps, arrive goals and earn financial prizes (over $1,000 per year) to assist offset plan contributors qualify for medical expenses—offering at no additional expenses and Part of your benefit plan. (Motion is not accessible in DE, KS, MO, NJ, PA or WI.)
• Prepaid Debit Card choice: Plan participants with an HSA have the choice to receive their prizes prepaid. Debit card. Throughout  motion registration they asked to select the deposit of their choice. Debit cards Can used for cost other than health care.
• Healthy Your Virtual Care: Join with doctors 24/7, buy and price instructions, and more
• Rally: User-friendly digital undergo. Complete health surveys, select missions, combine challenges and earn rallies. Coins to redeem for a chance to win prizes.

United Health care networks and resources

• Countrywide network of quality healthcare offers, involved more than 1,191,670 physicians and nurses experts, and 6,079 hospitals and other care provision.
• RileyConnect give search and cost translucency tool permit employees to make optimal care choices at a competitive price.
• Assist from All Savers Insurance resources
• Mayo Clinic is accessible except for United Health care Navigate and All Savers Insurance Charter plans

Robust tools

• Detailed claims handling reporting to assist manage your benefit plan.
• Plan a partner’s website with 24-Hour Website Plus. Benefit from information from others as well as the ability to order and print health. Plan an ID card
• Plan a promote website competentlyTo manage plan contributor details and enrollment
• Provider website with plan partner Confirmation of benefit.

Dedicated service  

• Devoted plan contributor services: 

           – Claim navigation

           – First contact resolution  

• Devoted wellness team, providing skillful and personalised assistance navigating by providing welfare.
• Project Sponsor Welcome Webinar, a live Review to assist you know and achieve more among the different funding projects of All Savers.