UnitedHealthcare’s uBundle Helps Employers Save on Medical Premiums When Adding Specialty Benefit Plans

December 04, 2018
  • uBundle™ enables employers to save up to 4 percent on medical premiums when combining a UnitedHealthcare medical plan with specialty benefits such as vision, dental, life, disability or  supplemental health products

  • Employers benefit from a simplified administrative experience while providing employees a more competitive benefits package

  • Program enhances the value of Bridge2Health®, an integrated approach to health benefits that uses data to implement clinical interventions and monitor care effectiveness  

UnitedHealthcare has introduced uBundle, a new benefits savings program that enables employers across the country to save up to 4 percent* on medical premiums when combining a UnitedHealthcare medical plan with specialty benefits such as dental, vision, life, disability or supplemental health coverage.

Eligible employers with UnitedHealthcare medical benefits can reduce their medical premiums by adding various specialty plans, also known as ancillary coverage, including: 

  • Dental: 2 percent savings;
  • Vision: 0.5 percent savings;
  • Life and Supplemental Life: 0.5 percent savings;
  • Supplemental Health (accident, critical illness or hospital indemnity): 0.5 percent savings; and
  • Disability: 0.25 to 0.5 percent savings.

The program can translate to significant savings for employers. For an employer with 500 employees and a traditional health plan, the first-year savings can reach nearly $200,000**. 

“UnitedHealthcare’s whole-person approach to health is making a meaningful difference for the more than 32 million Americans we serve with specialty benefits, with uBundle adding cost savings and a simplified administrative process for employers,” said Tom Wiffler, CEO, UnitedHealthcare Specialty Benefits. “More than 80 percent of employees say having specialty benefit plans is important to them, so uBundle makes it easier and more cost-effective for employers to offer this type of coverage.” 

uBundle helps employers provide their employees with a more competitive benefit package, while promoting a whole-person approach to health and well-being. Employers benefit from a simplified administrative experience, including one dedicated account team across their benefit plans, a single eligibility and implementation process, and one self-service website.

Employees with both UnitedHealthcare medical benefits and specialty plans can benefit from Bridge2Health®, an integrated health benefits program that uses data to enable clinical interventions and monitor care effectiveness, helping stay ahead of health events and connecting the dots to better health.

Companies that combine medical coverage with specialty benefits through a single health care company can help improve health outcomes, drive productivity and reduce costs. For instance, the program helped produce medical savings of more than $1,450 per referral following a disability claim.1

To learn more about the value of integrating medical and ancillary benefits, click here.

uBundle is available to employers with 51 or more employees across the country enrolled in fully insured medical plans***.   

About UnitedHealthcare

UnitedHealthcare is dedicated to helping people live healthier lives and making the health system work better for everyone by simplifying the health care experience, meeting consumer health and wellness needs, and sustaining trusted relationships with care providers. In the United States, UnitedHealthcare offers the full spectrum of health benefit programs for individuals, employers, and Medicare and Medicaid beneficiaries, and contracts directly with more than 1.2 million physicians and care professionals, and 6,500 hospitals and other care facilities nationwide. The company also provides health benefits and delivers care to people through owned and operated health care facilities in South America. UnitedHealthcare is one of the businesses of UnitedHealth Group (NYSE: UNH), a diversified health care company. For more information, visit UnitedHealthcare at or follow @UHC on Twitter.


*Savings apply only to first-year medical premiums for employers with 51-100 employees; savings are perpetual for employers with 101 to 2,999 employees, as long as the benefits remain in-force.

**For illustrative purposes only; savings will differ depending on the group size, plans chosen and premiums.

***The program is available in all states except Alaska, Hawaii, Montana, New Mexico, Rhode Island and Vermont; in California and Colorado, it is available only to employers with 100 or more employees. 

1 2017 Optum Bridge2Health Disability Internal Report.

Bridge2Health is included for employers who purchase a fully insured UnitedHealthcare health plan and one or more of the following UnitedHealthcare plans: Dental (groups 101+), Vision (groups 101+), Disability (groups 2+), Critical Illness Protection (groups 51+), Accident Protection (groups 51+), Hospital Indemnity Protection (groups 51+). Employers who purchase a UnitedHealthcare ASO health plan may be eligible for Bridge2Health, subject to review of medical care and behavioral management services. For additional details, contact your broker or UnitedHealthcare representative. Minimum participation requirements may apply for bundling programs. Bundling programs are not available for all group sizes. Please consult your broker or UnitedHealthcare representative for more details.

ubundle infographic
UnitedHealthcare’s uBundle benefits savings program helps employers provide their employees a more competitive benefit package, while promoting a whole-person approach to health that may help improve health outcomes, drive productivity and reduce costs.