Flexible group health plans built for savings
Working together for better cost control
UnitedHealthcare and the Metropolitan Milwaukee Association of Commerce (MMAC) have teamed up to help businesses like yours control health care costs – without giving up quality employee benefits. A better employee benefits package starts here.
What you can expect from a Level Funded plan
More savings
Up to 36% lower health plan costs compared to a traditional (fully insured) health plan,1 plus exemption from many state premium taxes. You’ll also get insights for improving claim and network usage trends.
More providers
Our Choice and Choice Plus health plans offer the single largest proprietary provider network in Wisconsin, which means plan participants can get care almost anywhere.
More stability
Fixed monthly costs may help make budgeting easier. Plus, there’s built-in stop loss protection from unexpected high claims costs.
The way toward price predictability and surplus refund potential
With fixed monthly costs, Level Funded plans are designed to provide predictability – just like fully insured plans. These fixed monthly costs go toward:
Your health plan
- Exemption from many state premium taxes and ACA regulations
- Coverage for plan participants’ medical and pharmacy expenses
- Built-in wellness programs
Stop loss insurance
- Individual stop loss, which covers higher-than-expected claims costs for an individual plan participant
- Aggregate stop loss, which covers higher-than-expected claims costs for the entire group
Administrative services and taxes
- Enrollment support
- Claims administration
- Customer service for plan participants
- Reporting on your group’s claims, network usage and more
$9,000+ surplus refund potential
- Surplus refund eligibility for the health plan if medical and pharmacy claims are lower than expected
- 43% of Level Funded plan sponsors in Wisconsin received a surplus refund for their health plan in 2024, the average of which was $9,095
Explore plans designed for savings and satisfaction
Surest® Level Funded health plan
As a copay-only plan, there are no deductibles or coinsurance — and it’s built so plan participants can see their actual costs before making an appointment and choose higher-value care options. If medical and pharmacy claims costs are lower than expected, plan sponsors may get a surplus refund for their health plan.
NexusACO®
Designed for savings and simplicity, this plan gives members access to quality care providers close to home. Members choose a primary care provider (PCP), who coordinates care across the network and offers efficient care and support — which may result in better health outcomes and lower costs.
Barbara Smith
VP of Member Engagement
414/287-4173
Or, get in touch with your broker or UnitedHealthcare representative
1 Up to 36% lower costs based on Q2 2024 UnitedHealthcare internal analysis between UnitedHealthcare Insurance Company and Level Funded medical plans with Wisconsin groups of 5–50 eligible employees. Savings are not guaranteed.
2 UnitedHealthcare internal reconciliation analysis, Jan. 1, 2024, through Dec. 31, 2024. Please consult a tax and/or legal advisor to determine if by receiving this refund, there are any restrictions or obligations. Surplus refund available only where allowed by law.
Employee benefits including group health plan benefits may be taxable benefits unless they fit into specific exception categories. Please consult with your tax specialist to determine taxability of these offerings.
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.
Insurance coverage provided by or through UnitedHealthcare Insurance Company or its affiliates. Administrative services provided by United HealthCare Services, Inc. or their affiliates.