Broker products to meet your diverse client needs.
Help your clients keep their health care commitments to their employees and retirees and manage their costs.
We offer a broad range health accounts for active employees, retirees and their families. Our health accounts can be used with any carrier’s health plan. And we offer benefits administration services that can help your clients focus on what they know best – their business.
Health Savings Accounts (HSA)
An employee-owned account that is paired with a qualified high-deductible health care plan, an HSA encourages employees to understand the costs associated with their health care choices while it helps them – and employers – save money on taxes.
Health Reimbursement Accounts (HRA)
Our HRA is a “promise to pay” account that is tax-advantaged for both employers and employees. Funds can be rolled over from year to year or even into an account that can be used after retirement. It’s considered “the account that plays well with others” because it works with any carrier’s health care plan.
Flexible Spending Accounts (FSA)
Our tax-advantaged FSA is designed to pay for qualified out-of-pocket health care expenses that are not reimbursed under a health care plan, like co-pays and deductibles. We also offer FSAs for dependent care. Our service model includes prompt claims processing, Debit MasterCard® cards and online reimbursement requests. FSAs can complement HSAs and HRAs or be offered on their own.
Retiree Health Accounts
With record numbers of baby boomers coming into retirement, you may have clients who need to plan for what’s ahead. Our innovative health care solutions allow employers to balance their financial risk with account-based plans that provide employees with funds they can count on for purchasing health care and paying for out-of-pocket health care expenses in retirement.
Other Benefits Administration Services
We answer questions or put employers in touch with technical experts. Plan sponsors and participants can manage benefit status and other information online, any time. When employers consider the expense of having someone on staff to handle these tasks, the service can often pay for itself.
COBRA and State Continuation Administration
When you want peace of mind that comes from reliable service and compliance for your clients, we are an excellent outsourcing solution. Our goal is to eliminate risk by offering:
- Strict adherence to the law’s eligibility requirements
- Legislative updates
- Meticulous documentation
- In-house compliance department with benefit experts
- Statement of Auditing Standards (SAS) 70 Level II Certification
Consolidated Billing Services
We are experts in helping employers eliminate time spent reconciling bills from multiple carriers, disbursing payments and much more. In short, we make sure your clients don’t overpay health care carriers.
Retiree Billing Services
We make sure your clients’ retirees don’t experience a lapse in health care coverage with our high-touch service that ensures retirees’ insurance premiums are paid on time.
For many of our customers, these three services work hand-in-hand to create an integrated, one-stop solution.
Optum Health is underwritten by UHC Company.
Additional Medical & Non-Medical Products