Understand group health insurance costs

Identify which health plans provide the deductible, copayment and coinsurance that are most cost-effective for your employees — and you.

Group health insurance plans include coverage costs paid by the employer, but monthly premiums are typically shared by you and your employees.

You and your employees may have favorite doctors you want to be in your network. If a health care provider does not accept your plan, your claims may be denied or processed at a lower level. 

UnitedHealthcare plans give access to one of the nation's broadest and most flexible networks of providers, so your group may be able to choose more of the network doctors they prefer.

Pharmacy services are the most widely used health care benefits, but not all prescription medications are covered by all plans. UnitedHealthcare's prescription drug benefits may offer the best value for your business.

Group health insurance plans typically do not cover dental or vision care — but offering these benefits and other coverage may help you recruit and retain employees.