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. 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 health care benefits to their employees.

The effectiveness of consumer-driven plans rests on the ability and willingness of employees to manage their medical care costs. The solution is contingent on raising the awareness of employees about the actual cost of health care. 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 doctor's 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, which result in increased utilization and claims experience of the employer’s plan.

By shifting greater responsibility and more of the potential cost of health insurance to the employee, along with benefit plan design changes, such as higher deductibles, one may expect lower insurance premiums and improved claim experience.

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 Prescription Drug Carve Out Plans

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 or other alternatives, employers can save up to 28% on their health insurance premiums. In some situations, using a Stand-Alone Plan is a major step in reducing plan 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 Clause $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 with cost starting at under $50 a month.

These plans are offered on a guaranteed basis, 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. Subsequent renewal costs are also contained.

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 premiums 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 his or her 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 include: Disability, Term Life, Critical Illness, Cancer Protection, Dental Plans, 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.