Consumer Driven Health Plans (CDHPs) are an increasingly important alternative to the current way of providing medical health insurance.   Under traditional health care programs, Employers are faced with double-digit annual cost increases with no relief expected in the foreseeable future. Employers cannot absorb the rising costs alone and in turn have begun reducing benefits and raising Employee contributions. UGP specializes in providing Employers with very successful alternatives to control the increasingly high cost of providing healthcare benefits to their Employees.

The effectiveness of consumer-driven plans is to controlling costs which rests on the ability and willingness of Employees to manager their medical care costs. The solution is contingent on raising the awareness of Employees to the actual cost of healthcare. Employers who attempt to cut costs by lengthening probationary periods, raising deductibles or co-pays or severing benefits altogether are only offering short-term fixes.

The majority of Employees have no perception how much a doctors office visit actually costs. If the co-pay is only $20 the employee will use the service as frequently as he or she sees fit, with the end result of increased utilization and cost of the employer’s plan.

By shifting the responsibility and part of the cost of health insurance onto the employee along with benefit plan design changes, such as higher deductibles, results in lower insurance premiums, because as employees become educated, utilization decreases and so does plan cost.

Consumer Driven Plan Options:
Partially Self-Funded Medical Plans
  - Health Savings Accounts
$5 Co-Pay Generic Rx Cards Carve Out
Health Reimbursement Accounts
$5 Co-Pay Generic Rx Cards Carve Out
$10/$20/$40 Generic Brand Stand-Alone Prescription Drug Plan Carve Outs
Stand-Alone Self-Funded Prescription Drug Plans
Fully Insured Medical Plans starting at $49.99 per month
High Deductible Plans
National and Local PPO Networks
Medical, Dental, Vision and Rx Discount Cards for part time or hourly employees.

Stand Alone Preseription Drug Carve Out Plans

One popular means of reducing group health insurance premiums is to eliminate prescription drug plans, leaving Employees footing the bill for elevated drug costs and financially unable to do so. There are alternatives.

UGP offers several Prescription Drug Carve-Out options for Employers who need to reduce their group health premium by offering reduced Rx benefits. By replacing the current prescription drug plan with a Generic-Only Plan, Employers can save up to 20% on their health insurance premiums. Sometimes using a Stand-Alone Plan is all that is needed to cut costs.

Multiple Options & Custom Design:
$5 Generic/$30 Preferred Brand Drug Cards
$5 Generic Only Rx Card
$10/$20/$40 Copay Discount Rx card
Discount Generic/Brand Rx Card.

Gap Plans

Gap Plans help pay for employees out of pocket expenses for Hospital and Outpatient services. They fill the “gap” caused by higher deductible or higher coinsurance plans. Gap Plans are an excellent tool for employers who have or are going to implement higher deductibles and coinsurance. The Gap plan picks up the difference caused by the new plan design and can significantly save the employer money on their health plan.

Mini Medical Plans Limited Health Benefit Plans (Guarantee Issue)
No Pre Ex Glanse #49.99/month

Health Plans for the American Worker, Part Time Workers, & Independent Contractors:
UGP offers fully insured and self funded “ mini medical plans” which offer health insurance benefits to Employees starting at under $50 a month.

These plans are guarantee issue, with no pre-existing conditions clauses or evidence of insurability. All Employees are accepted regardless of health conditions and are eligible for benefits. With limited, capped benefits the monthly premium is substantially reduced.

Benefits offered are: Doctor’s office visits, ER visits, Accident Coverage, Daily Hospital Indemnity benefits, Intensive Care benefits, Skilled Nursing, Substance Abuse, Mental Illness, and life insurance. Also included are national medical, dental, and vision PPO networks.

Monthly premium can be paid solely by the Employee or the Employer can contribute.

Worksite – Payroll Deducted Policies

Today’s workforce is made of a diverse population with each employee having their own individual needs and circumstances. By offering Employee paid Voluntary benefits, Employers allow Employees to purchase coverage in addition to what the Employer may or may not offer based on that Employee’s needs. At no cost to the Employer, these Voluntary Payroll deducted policies have a value added benefit for Employees.
Voluntary policies available are Disability, Term Life, Critical Illness, Cancer Protection, Dental Plans, and AD&D policies, Accident Plans, Hospital Indemnity and Gap Plans.
For example, Employees may wish to purchase life insurance or disability insurance in addition to what the Employer offers to suit their individual needs. Or an Employer may not offer benefits to Employees, and by offering Employee paid voluntary plans Employers allow Employees to get policies not otherwise attainable.