Introducing Catalyst: A progressive solution helping businesses protect their employees and
their bottom line.
Catalyst, a medical product from UnitedHealthcare, is now available for quoting in the New Jersey market.
Catalyst is available to new and renewing UnitedHealthcare groups in New Jersey with 51 or more employees.
Catalyst provides health care coverage by combining a comprehensive catastrophic coverage plan with a Predeductible Allowance. The value-added Pre-deductible Allowance provides consumers the opportunity to obtain
basic preventive, routine, or emergency health services without triggering the high deductible catastrophic
component of their coverage plan.
In other words, consumers can get the routine coverage they want and the protection for major health events
they may need. Some medical plans require members to meet their deductible before the plan will pay any
benefits, but with Catalyst, many of the initial medical services received will be covered under the Predeductible allowance.
Target Customers:
 Employers who are trying to manage health care costs while consumers are looking for attractive plan
options.

Employers who are looking for an alternative to HRA and provide up front coverage without the
administration of a separate bank account.

Employers who want to offer benefits and keep premium costs in check for their employees.
How Catalyst Works:
The Pre-deductible allowance is the amount the medical plan will pay, per member, before the deductible kicks
in. It’s important to note this is per member, not per family. Also, depending on the plan design, members will
have some cost sharing during the pre-deductible allowance period, such as copayments or coinsurance.
Coinsurance amounts apply toward the overall out of pocket maximum, but not the plan deductible.
It is important to know that the pre-deductible allowance is flexible. UnitedHealthcare Internal research has
shown that only 28% of individuals spend more than $1,000 per year in medical expenses, with 72% of
individuals spending less than $1,000 in medical expenses per year. With the $1,000 Pre-deductible
Allowance, necessary care will be covered for many people without triggering the plan deductible. This is how
Catalyst can provide so much to both your customer and their employees.
Catalyst Combined Services Brochure
Catalyst Separate Routine/Emergency Brochure
Catalyst Product Portfolio for New Jersey
For more information on Catalyst and other products please contact your UnitedHealthcare representative.
UnitedHealthcare Catalyst
SM
Promoting healthy behavior and providing meaningful coverage
Combined Services Plans
Form #: UHCEW455448-001
What is CatalystSM?
Catalyst’s Combined Services Plan
Often, medical plans require you and your
employees to meet a deductible before the health
plan will pay any benefits. Catalyst is different.
With this plan, your employees receive a predeductible allowance that can be used for not
only routine and emergency services but also
services such as inpatient and outpatient surgery,
chiropractic, maternity services and more.
With Catalyst, members have many routine
and emergency health costs paid with a “predeductible allowance.” That means the costs don’t
trigger the 100% employee-paid portion of the
plan until the allowance is used up.
Outpatient and inpatient procedures. Physician
office visits and associated lab or X-ray. Urgent
care for those weekend earaches. Emergency
care. An extensive list of medical services are
covered. Employees and their families can make
appointments for all types of care and address
health issues and are only required to pay a
copayment or coinsurance.
Beyond the pre-deductible allowance, Catalyst
also offers protection against the significant
financial losses that can be caused by major
health events.
Benefiting from a national network
Catalyst gives your employees access to
UnitedHealthcare’s national network of health
care providers. Because we offer discounted
rates for services received within our network,
an employee could have multiple physician visits
before exhausting their pre-deductible allowance.
1
Not statements from actual customers. Statements are meant for illustrative purposes only.
Each family member has a pre-deductible allowance.
Preventive care will be paid at 100%
and will not reduce the pre-deductible
allowance benefit.
Does this sound familiar?1
You want to avoid the separate administration
and additional funding requirements of health
reimbursement and health savings accounts.
You haven’t provided health care coverage before for
part-time and lower-wage employees. You want to
offer meaningful coverage at a lower price point.
You want to offer a plan with higher deductibles, but
want to provide more flexible coverage than a typical
high-deductible plan design offers.
You currently offer a health reimbursement account but
find that employees are depleting those accounts and
then leaving the company.
If one or more of these situations describes your
needs, consider Catalyst for your solution.
How Catalyst works
Is this Catalyst plan right for you?
• Jake is running a high fever. After a call to
NurseLineSM, he is advised to see his doctor
for treatment.
The Combined Services Plan is:
• Jake pays a copayment or coinsurance, depending
on the type of service he receives.
• Designed to give employees the maximum
amount of flexibility when using their predeductible allowance
• UnitedHealthcare pays the remaining costs, up to
the amount of the pre-deductible allowance.
• Ideal for professional services organizations that
want to provide benefits to part-time or lowerwage workers
If, during the course of the year, Jake uses up his
pre-deductible allowance on other types of medical
care, then:
• Appropriate for employers whose employees are
knowledgeable about how to make the best use of
their health care benefits
• Jake pays 100% of the eligible expenses until the
amount of the deductible is reached.
• W hen the deductible is satisfied, Jake pays
coinsurance for the service.
$1,000 recommended
pre-deductible allowance
• After Jake reaches the out-of-pocket maximum,
UnitedHealthcare pays for 100% of covered
services received within our network.
The suggested amount for a pre-deductible
allowance is $1,000. Our research shows
that 72% of individuals spend less than
$1,000 on medical expenses annually.
Jake’s pharmacy benefit is separate from Catalyst
and does not count against the pre-deductible
allowance.
Source: UnitedHealthcare Internal Analysis, 2009
Standard plan example2
• Member has up to
$1,000 for all types
of medical care
• After member
copayment or
coinsurance is met,
UnitedHealthcare pays
for the remaining cost
of care up to the predeductible allowance
Pre-deductible
Out-of-pocket limit
Deductible
•A
fter using up the
pre-deductible
allowance, member
pays 100% of the
eligible expenses
until the maximum
deductible amount
is reached
• Once the deductible
amount has been
satisfied, member pays
20% coinsurance
• After the member’s
out-of-pocket
maximum is reached,
UnitedHealthcare pays
for 100% of covered
services
Coinsurance
Preventive care covered at 100%
2
he pre-deductible allowance coverage varies based on which version of Catalyst the employee has. Pre-deductible allowance amount, deductible amount, and coinsurance percent
T
vary based on plan design.
Contact your UnitedHealthcare representative
for more information and to confirm that
Catalyst is available in your market.
The UnitedHealth Allies health discount program is administered by HealthAllies®, Inc., a discount medical plan organization located at 505 N. Brand Blvd., Suite 850,
Glendale, CA, 91203, 1-800-860-8773. The health discount program is NOT insurance. The health discount program provides discounts for certain health products and
services. The health discount program does not make payments directly to the providers of health products and services. The program member is obligated to pay for all
health products and services but will receive a discount from those providers who have contracted with the discount plan organization. The health discount program is
offered to existing members of certain products underwritten or provided by UnitedHealthcare Insurance Company or its affiliates to provide specific discounts and to
encourage participation in wellness programs. Health care professional availability for certain services may be dependent on licensure, scope of practice restrictions or
other requirements in the state. UnitedHealthcare does not endorse or guarantee health products/services available through the discount program. This program may not
be available in all states or for all groups. Components subject to change.
For informational purposes only. NurseLineSM nurses cannot diagnose problems or recommend specific treatment and are not a substitute for your doctor’s care. NurseLine
services are not an insurance program and may be discontinued at any time.
For a complete description of the UnitedHealth Premium® Designation program, including details on the methodology used, geographic availability, program limitations and
medical specialties participating, please see myuhc.com®.
Insurance coverage provided by or through UnitedHealthcare Insurance Company or its affiliates. Administrative services provided by UnitedHealthcare Insurance
Company, or United HealthCare Services, Inc. or their affiliates.
100-9730 2/11 Employer
Combined Services Plans
© 2011 United HealthCare Services, Inc.
UHCEW455448-001
UnitedHealthcare Catalyst
SM
Promoting healthy behavior and providing meaningful coverage
Separate Routine/
Emergency Services Plans
Form #: UHCEW455376-001
What is CatalystSM?
Often, medical plans require you and your
employees to meet a deductible before the health
plan will pay any benefits. Catalyst is different.
With Catalyst, members have many routine
and emergency health costs paid with a “predeductible allowance.” That means the costs don’t
trigger the 100% employee-paid portion of the
plan until the allowance is used up.
Physician office visits and associated lab or X-ray.
Urgent care for those weekend earaches. Emergency
care. Employees and their families can take care
of routine or emergency health issues and are only
required to pay a copayment or coinsurance.
Beyond the pre-deductible allowance, Catalyst
also offers protection against the significant
financial losses that can be caused by major
health events.
Benefiting from a national network
Catalyst gives your employees access to
UnitedHealthcare’s national network of health
care providers. Because we offer discounted
rates for services received within our network,
an employee could have multiple physician visits
before exhausting their pre-deductible allowance.
Catalyst’s Separate Routine/
Emergency Services Plan
With this plan, your employees receive separate
pre-deductible allowances for:
• Routine office visits
• Emergency care
There are two allowances: one for routine care and
another for emergency care. Each family member
has both pre-deductible allowances.
Routine care is defined as any
physician office visit and associated
lab and X-ray. Preventive care will be
paid at 100% and will not reduce the
pre-deductible allowance benefit.
Does this sound familiar?1
You want to avoid the separate administration
and additional funding requirements of health
reimbursement and health savings accounts.
You haven’t provided health care coverage before for
part-time and lower-wage employees. You want to
offer meaningful coverage at a lower price point.
You want to offer a plan with higher deductibles, but
want to provide more flexible coverage than a typical
high-deductible plan design offers.
You currently offer a health reimbursement account but
find that employees are depleting those accounts and
then leaving the company.
If one or more of these situations describes your
needs, consider Catalyst for your solution.
1
Not statements from actual customers. Statements are meant for illustrative purposes only.
How Catalyst works
• Jake is running a high fever. After a call to
NurseLineSM, he is advised to see his doctor
for treatment.
• Jake pays a copayment for the office visit.
• UnitedHealthcare pays the remaining costs, up
to the amount of the Routine pre-deductible
allowance.
• With this type of plan, Jake also has a separate
Emergency Services pre-deductible allowance
which can be used for Emergency Room and
Ambulance.
If, during the course of the year, Jake uses up his
pre-deductible allowances on other routine office
visits and emergency services then:
• After Jake reaches the out-of-pocket maximum,
UnitedHealthcare pays for 100% of covered
services received within our network.
Jake’s pharmacy benefit is separate from Catalyst
and does not count against the pre-deductible
allowance.
Is this Catalyst plan right for you?
The Separate Routine/Emergency Services Plan is:
• Designed with affordability in mind
• Ideal for employers with high employee
turnover rates
• A solution for part-time and low wage workforce
• Jake pays 100% of the eligible expenses until the
amount of the deductible is reached.
• W hen the deductible is satisfied, Jake pays
coinsurance for the service.
$1,000 Emergency and $350 Routine are the
recommended pre-deductible allowances
The suggested amount for a pre-deductible allowance is $1,000.
Our research shows that 72% of individuals spend less than
$1,000 on medical expenses annually.
Source: UnitedHealthcare Internal Analysis, 2009
Standard plan example2
• Member has up to
$350 for routine
office visits
• Member has up
to $1,000 for
emergency care
• After member
copayment or
coinsurance is met,
UnitedHealthcare pays
for the remaining cost
of care up to the predeductible allowance
Pre-deductible
Out-of-pocket limit
Deductible
•A
fter using up the predeductible allowance,
member pays 100% of
the eligible expenses
until the maximum
deductible amount is
reached
• Once the deductible
amount has been
satisfied, member pays
20% coinsurance
• After the member’s
out-of-pocket
maximum is reached,
UnitedHealthcare pays
for 100% of covered
services
Coinsurance
Preventive care covered at 100%
The pre-deductible allowance coverage varies based on which version of Catalyst the employee has. Pre-deductible allowance amount, deductible amount, and coinsurance
percent vary based on plan design.
2
Contact your UnitedHealthcare representative
for more information and to confirm that
Catalyst is available in your market.
The UnitedHealth Allies health discount program is administered by HealthAllies®, Inc., a discount medical plan organization located at 505 N. Brand Blvd., Suite 850,
Glendale, CA, 91203, 1-800-860-8773. The health discount program is NOT insurance. The health discount program provides discounts for certain health products and
services. The health discount program does not make payments directly to the providers of health products and services. The program member is obligated to pay for all
health products and services but will receive a discount from those providers who have contracted with the discount plan organization. The health discount program is
offered to existing members of certain products underwritten or provided by UnitedHealthcare Insurance Company or its affiliates to provide specific discounts and to
encourage participation in wellness programs. Health care professional availability for certain services may be dependent on licensure, scope of practice restrictions or
other requirements in the state. UnitedHealthcare does not endorse or guarantee health products/services available through the discount program. This program may not
be available in all states or for all groups. Components subject to change.
For informational purposes only. NurseLineSM nurses cannot diagnose problems or recommend specific treatment and are not a substitute for your doctor’s care. NurseLine
services are not an insurance program and may be discontinued at any time.
For a complete description of the UnitedHealth Premium® Designation program, including details on the methodology used, geographic availability, program limitations and
medical specialties participating, please see myuhc.com®.
Insurance coverage provided by or through UnitedHealthcare Insurance Company or its affiliates. Administrative services provided by UnitedHealthcare Insurance
Company, or United HealthCare Services, Inc. or their affiliates.
100-9729 2/11 Employer
Separate Routine/Emergency Services Plans
© 2011 United HealthCare Services, Inc.
UHCEW455376-001
UnitedHealthcare Catalyst
For Fully Insured Groups
Key Accounts
New Jersey Portfolio
Better information. Better decision. Better health.
Combined Services Plans — All medical services available for reimbursement under Pre-Deductible Allowance
Network Pre-Deductible Allowance Benefits1
Benefits After Pre-Deductible Allowance3
Insurance Plan Codes
Copay
Description
2500/80%
30/0/80%
Choice
Choice
Plus
Network
Only
Network &
NonNetwork
2O-V
2500/80%
30/0/80%
2O-2
PreDeductible
Allowance
Coinsurance
Deductible
In
PCP
SPEC
URG
CARE
ER
Coinsurance
Out-of-Pocket Maximum
Out
In
Ambulance & Other
Services
In
Single
Family
Single
Family
IP2 /
OP Surg
Out
Out
Single
Family
Single
Family
Medical
Deductible
Type
$750
$30
$60
$75
$100
80%
$2,500
$5,000
N/A
N/A
80%
N/A
$5,500
$11,000
N/A
N/A
80% after
deductible
Emb
$750
$30
$60
$75
$100
80%
$2,500
$5,000
$5,000
$12,500
80%
60%
$5,500
$11,000
$11,000
$27,500
80% after
deductible
Emb
Separate Routine/Emergency Plans — Pre-Deductible Allowance limited to services defined as Routine and Emergency
Network Pre-Deductible Allowance Benefits1
Benefits After Pre-Deductible Allowance3
Insurance Plan Codes
Copay
Description
Choice
Network
Only
2500/80%
30/0/80%
PCP
$250
$750
$30
$60
$75
$100
$250
$750
$30
$60
$75
$100
2O-1
2500/80%
30/0/80%
Coinsurance
Routine
Emergency
Services
Choice
PrePrePlus
Deductible
Deductible
Network & Allowance Allowance
NonNetwork
2O-3
SPEC
URG
CARE
ER
Ambulance
& Other
Services
Deductible
In
Coinsurance
Out-of-Pocket Maximum
Out
In
In
IP2 /
OP Surg
Out
Out
Single
Family
Single
Family
80%
$2,500
$5,000
N/A
N/A
80%
80%
$2,500
$5,000
$5,000
$12,500
80%
Medical
Deductible
Type
Single
Family
Single
Family
N/A
$5,500
$11,000
N/A
N/A
80% after
deductible
Emb
60%
$5,500
$11,000
$11,000
$27,500
80% after
deductible
Emb
Pharmacy Plan
Please Note: UnitedHealthcare Catalyst plans are only available in states that have implemented the 2007 Certificate of Coverage
plans. All plans may not be available in all markets. The information in this grid is provided for informational purposes only and
is not intended for use as a contract. For a complete listing of coverage and exclusions please refer to the Certificate of Coverage
1 Refer to the Certificate of Coverage and/or Benefits Summary document for complete listing of services included in Pre-Deductible
Allowance Benefit. Non-Network services are eligible for Pre-Deductible Allowance and subject to separate coinsurance.
2 Refer to the complete Certificate of Coverage and/or Benefit Summary documents for IP copay type (i.e. per day or per admit).
3 Benefits after Pre-Deductible Allowance has been exhausted and services not eligible for Pre-Deductible Allowance.
Notes for all plan types unless noted otherwise:
 Pre-Deductible Allowance applies to medical services only
 Pre-Deductible Allowance is the amount the plan pays per member before the deductible applies
 Members incur copay or coinsurance cost share during the Pre-Deductible Allowance benefit
 Copay and coinsurance do not accumulate toward Pre-Deductible Allowance or Annual Deductible
 Vision Coverage: 1 Exam every 2 years $30 copay then 100%. Accumulates to the Pre-deductible Allowance
 Out-of-Network Preventive Care is covered under deductible and coinsurance
This plan requires a determination of medical necessity as a requirement of benefit coverage. Certain health care services referenced in the
Certificate of Coverage for this plan require prior authorization.
Insurance coverage provided by or through United HealthCare Insurance Company or its affiliates. Administrative services provided by
United HealthCare Insurance Company, United HealthCare Services, Inc. or their affiliates.
UHCEW482228-000
10/11 BROKER
© 2011 United HealthCare Services, Inc. DRAFT NOT FOR EXTERNAL DISTRIBUTION
Deductible
RX Plan
Code
Tier 1
Tier 2
Tier 3
Mail Service
Ratio
N/A
$10
$35
$60
2.5x retail
$100
$250
$10
$30
$50
2.5x retail
$100
$250
$10
$35
$70
2.5x retail
Individual
Family
2V
N/A
JV
JZ