UnitedHealthcare’s Surest Offers a Recent Approach to Health Insurance


UnitedHealthcare’s Surest offers a latest approach to health advantages that removes deductibles and provides clear upfront pricing information to people prematurely of treatment. Surest, introduced initially in 2016 as Bind, has the fastest growth rate amongst UnitedHealthcare’s employer-sponsored plans.

UnitedHealthcare offers Surest to employers nationwide with self-funded health plans. Surest plans are also offered to UnitedHealthcare fully insured customers with 51 or more employees in 11 states (Arizona, Florida, Georgia, Michigan, Minnesota, Missouri, Ohio, South Carolina, Tennessee, Utah and Virginia), with intent so as to add as much as five additional states by the tip of 2022.

Over 150 employers are using a Surest plan today, including a growing number which might be adding Surest as an option for the 2023 enrollment season this fall.

“People and employers are in search of an easier and more sustainable health care plan,” said Alison Richards, chief executive officer, Surest. “Our latest brand name, Surest, helps convey the concept of clarity, confidence and control our members have with their plan.”     

Key features of Surest plans include:

No deductibles or coinsurance: Offering clear and transparent health care quality and value data presented within the Surest app, Surest plans help remove financial barriers to care and make it easier for members to grasp each their coverage and value before receiving care or making an appointment. Surest members more regularly accessed high-value and more convenient care, including a 10X increase in virtual visit use2, and were less prone to use low-value care (6% fewer emergency department visits1). Greater than half the time, Surest members chosen high-quality health care providers with the bottom price for procedures akin to hip substitute or reflux surgery.

Upfront prices: Surest plans enable members to review single, all-in prices for greater than 490 services before receiving care. Based on data-driven results, members may find a way to pay less out of pocket and receive more practical treatments from quality care providers, as determined by national standardized measures. Access to clear, upfront prices may help people avoid multiple or surprise bills.   

Designed for improved satisfaction and more cost-effective premiums: Amongst people enrolled in a Surest plan, the Net Promoter Rating® – a key measure of consumer satisfaction – was significantly higher than industry benchmarks.1 For employers that introduced Surest plans, costs were as much as 15% less per member per thirty days in comparison with high-deductible health plans, while out-of-pocket costs for members were 44% less.


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