What is All Savers®?

Health Plans Designed to Give You More

Discover savings, freedom, and simplicity with All Savers Alternate Funding

What is All Savers®?

All Savers is a health plan available in 44 states and the Virgin Islands. It aims to provide businesses with affordable health care options.

Building Health Ownership

All Savers takes a step-by-step approach to help you take control of your health benefits:

1. Getting Help When Sick: Understand that health benefits are there when you need them.
2. Staying Healthy: Learn how benefits can help you manage your health and prevent issues.
3. Managing Your Health: Recognize that health benefits are essential for your overall health.
4. Making Informed Decisions: Use your benefits to get the best value for your money.

All Savers Alternate Funding

Self-Funded Health Plans for Small to Medium Businesses (5–300 employees)

All Savers Alternate Funding plans are designed with business owners in mind, helping to save money while ensuring employees get the most from their health plans.

Key Features of All Savers Alternate Funding:

1. Self-Funded Medical Plan: This pays for your employees’ covered medical expenses.
2. Third-Party Administration: United HealthCare Services handles claims, billing, customer service, and other administrative tasks.
3. Stop Loss Insurance: This policy limits your financial risk from large medical claims.

With self-funded health plans, you may pay lower taxes on premiums throughout the year and could receive a surplus refund at the end of the year, depending on state laws.

Cost Control

How Does Alternate Funding Work?

Traditional insurance involves paying a fixed premium, with the insurer covering all medical claims. If claims are lower than expected, the insurer keeps the difference. This means no refunds for your business.

All Savers Alternate Funding is Different:

• If your actual medical claims are lower than estimated, your plan could return some savings to you at the end of the year.
• If claims are higher than expected, stop loss insurance covers those costs.

Additional Benefits:

• Fixed Monthly Payments: Your company pays a consistent amount each month, so no surprise costs at the end of the year.
• Lower Costs: Self-funded plans are often exempt from many state insurance taxes, leading to potential savings.

Variety of Plan Designs

All Savers offers different health plan options, including:

• Deductible Ranges: From $500 to $6,350.
• Coinsurance Options: 80% or 100% coverage.
• Zero Copays for Kids: For primary care visits.
• National Networks: Access to a wide range of doctors and facilities.

Innovative Wellness Programs

All Savers includes wellness options to help employees manage their health, at no extra cost:

• UnitedHealthcare Motion®: Get rewards for being active, with potential earnings of over $1,000 a year.
• HealthiestYou™: 24/7 access to doctors.
• Zero Copays for Kids: For primary care visits.
• Expert Medical Services: Second opinions for major health decisions.

Support and Resources

All Savers provides:

• Dedicated Customer Care Advocates: They assist you with your health care needs and help navigate your plan.
• Online Tools: Access to your health benefits, claims information, and provider directories anytime.

Wrapping Up

All Savers Alternate Funding offers flexible health plans designed to help businesses manage costs while providing quality care for employees. With a focus on savings, wellness, and dedicated support, All Savers is committed to helping you take control of your health care.

As usual, I am always available to answer any questions by call, email, or text. 

Stay Safe & Healthy!

– Rikki