UnitedHealthcare Catalyst
SM
A family of plan options that promotes healthy
behavior and provides meaningful coverage
You want to offer meaningful health care coverage that balances features and affordability.
Catalyst brings you a fresh approach to provide the plan best for you and your employees.
What makes Catalyst SM different?
• U
nlike other plans, Catalyst covers healthrelated costs as part of a “pre-deductible”
benefit. That means the costs don’t trigger the
employee-paid deductible.
that 72% of members spend less than $1,000 on
medical expenses annually. This means many of
our members’ health care needs will be met when
they use their pre-deductible benefit.
• W
ith Catalyst, employees and their families can
take care of many of their annual health
issues, such as routine office visits, or
emergency health issues, without having to pay
the full cost for each service. This helps promote
healthy behavior.
• T
he member pays a copayment or coinsurance
at the time care is received. UnitedHealthcare
will pay remaining provider costs using the
pre-deductible allowance. The pre-deductible
benefit will continue until all allowance dollars
have been spent.
• T
his pre-deductible benefit covers initial
medical services – typically up to $1,000
a year per person1 – at either copayment or
coinsurance benefit level. Our research shows
• B
eyond the pre-deductible allowance, Catalyst
continues to provide coverage subject to
deductible and coinsurance.
Dollar amounts vary by plan design. Each family member has their
own pre-deductible allowance.
1
Form #: UHCEW490965-000
How Catalyst works – sample plan design2
• Member has up to
$1,000 for healthrelated services
• After member
copayment or
coinsurance is paid,
UnitedHealthcare pays
for the remaining cost
of care up to the predeductible allowance
Deductible
• After using up the
pre-deductible
allowance, member
pays 100% of the
eligible expenses
until the maximum
deductible amount
is reached
Pre-deductible
Out-of-pocket limit
• Once the deductible
amount has been
satisfied, member pays
20% coinsurance
• After member’s
out-of-pocket
maximum is reached,
UnitedHealthcare
pays 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, deductible amount, and
coinsurance percent vary based on plan design.
2
Does this sound familiar?
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.
Additional savings to encourage
better health
With Catalyst, employees can save typically between
10 and 50 percent on purchases such as gym
memberships and weight loss tools.
Contact your UnitedHealthcare
representative for more information
and to confirm that Catalyst is
available in your market.
If one or more of these situations describes your
needs, consider Catalyst for your solution.
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.
© 2010 United HealthCare Services, Inc.
100-10110 10/10 Employer
Fully Insured Sell Sheet
UHCEW490965-000