A health benefit that actually feels like a benefit.

The Surest health plan is an employer-sponsored plan available to employers with 51+ employees. It's not a point solution and provides access to the national UnitedHealthcare network of doctors, hospitals, clinics, virtual providers, and more. It's available on a fully insured and self-funded basis.

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Employers
11%
Average employer savings compared to traditional plans
Combination of modeled and actual results across Surest prospects and clients; Independently developed benchmark based on a database containing healthcare claims from 80 million U.S. lives risk adjusted for demographics, geography, and disease burden. 13_v02
54%
Lower member out-of-pocket costs
Surest self-funded 2022 book of business plan sponsors with at least 12 months of incurred experience in 2022 and both medical and pharmacy data within our warehouse ; compared to matched comparison groups from a nationally representative commercially insured database matched by gender, age, urbanicity, and zip3 code using exact matching. 141_V03
126%
Member growth
2022 Surest book of business.
224%
Employer growth
2022 Surest book of business.
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Here’s how we do it differently.

11% average lower employer costs

Plan sponsor results varied by plan configuration.

No deductibles or coinsurance

Members can access the care they need when they need it.

Access to the broad, national UnitedHealthcare network

Surest uses the UnitedHealthcare and Optum networks of doctors, hospitals, and clinics.

Clear, upfront prices

Members can check costs, coverage, and treatment options before making an appointment.

Up to 54% lower member out-of-pocket costs

When members can see costs in advance, they may choose differently and find opportunities to save.

Member resources

Built-in tools, like guides and advocacy resources, can support your employees’ wellbeing.

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Case studies.

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https://main--uhg-surest--hlxsites.hlx.page/impact-summary

Surest Impact

Health insurance that's easy to understand. Explore our 2022 Impact Summary.

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https://main--uhg-surest--hlxsites.hlx.page/lumen-case-study

Lumen Case Study

Employees save 52% in out-of-pocket expenses and Lumen reduces costs.

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https://main--uhg-surest--hlxsites.hlx.page/slumberland-case-study

Slumberland Case Study

Slumberland cuts health plan costs by half and decreases employees’ OOP costs.

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https://main--uhg-surest--hlxsites.hlx.page/cache-county-school-district-case-study

Cache County School District

How a school district managed health plan costs and reduced employee expenses.

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https://main--uhg-surest--hlxsites.hlx.page/dayton-childrens-case-study

Dayton Children's Hospital

Read how Surest reduced worry so employees could give their best to patients.

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https://main--uhg-surest--hlxsites.hlx.page/medtronic-case-study

Medtronic

Learn what happened when Medtronic applied a new approach to employee benefits.

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https://main--uhg-surest--hlxsites.hlx.page/school-district-case-study

School district

Read how Cumberland gave teachers raises and funded a new school building.

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“We're heading into our sixth year of offering Surest. In year one, we had about 67% adoption. In year two, it was 74%. So, by year three, we went full replacement with Surest. It's the only plan we offer today.”

-Sr. Benefits Manager, Slumberland

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Frequently Asked Questions

What is the Surest health plan?
Surest is an employer-sponsored health plan that gives members the tools to see cost and coverage information before the point of care. Members receive quality medical coverage with access to the broad, national UnitedHealthcare and Optum Behavioral Health networks.
How does the Surest plan work?
Surest was designed to give members power over their health experience. There is no deductible, no coinsurance, and no cost-shifting. Instead, members search on the app or website, see what they'll owe in advance, compare options within the national UnitedHealthcare provider network, then decide. With this information, they can plan ahead and choose what works best.
What does the Surest plan provide coverage for?
In-network preventive care • primary and specialty care • urgent, emergency, and hospital care • chronic care for long-term and recurring illnesses • pharmacy • mental and behavioral health services • maternity care • cancer care • substance use disorder • and more
Where is the plan offered?
Surest is an ACA-compliant health plan for employers with 51+ employees. It’s offered through employers in 49 states, excluding Hawaii.
How does this work with other health insurance?
If you have other insurance, call us at 866-683-6440 M-F from 6 am to 9 pm CT to discuss how the plan works with that coverage. Each insurance plan has its own design, and we can help you understand how the two plans might work together.
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Bring Surest to your organization today.

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