FlexWork

Most employers understand the value of a robust benefits package for attracting and retaining regular full-time employees. But when it comes to intermittent workers (such as variable-hour part-time, limited-time or seasonal) or hourly full-time workers who find high-deductible major medical coverage to be too expensive, it can be a challenge to find quality benefits from a well-known carrier.

Designed to help you provide attractive benefits and affordable coverage to every type of worker your business employs, FlexWork solutions from UnitedHealthcare include a suite of medical and specialty plans for your non-benefits-eligible and benefits-eligible W-2 employees.

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Nationwide coverage. More choices. Healthy for all.

The only program of its kind with most solutions available in all 50 U.S. states, FlexWork is designed to give you more ways to care for your workforce.

Video transcript

FlexWork – Virtual Tour Transcript 6.25.21

Light music plays in the background. UHC U-mark appears and disappears on the screen.

A man and woman dine at a busy restaurant. A server arrives and places their food on the table.

NARRATOR: The landscape of the American workforce continues to evolve. Today, more than

ON SCREEN TEXT: 55 million Americans are considered

part of the intermittent workforce.

Deloitte ConnectMe study, 2018,

https://www2.deloitte.com/content/dam/Deloitte/us/Documents/human-capital/us-cons-connectme-consumer-goods-case-study.pdf

U.S. map icon appears next to text.

NARRATOR: 55 million Americans are considered part of the intermittent workforce,

Employee walks around a warehouse doing inventory on a tablet.

NARRATOR: which include part-timers, W-2 contractors and gig-workers. Importantly,

Restaurant employee wearing a face mask sanitizes and wipes table.

NARRATOR: the COVID-19 pandemic has likely spurred

Hotel employee wearing a face mask and gloves tidies up a hotel room bed.

NARRATOR: further growth of the intermittent workforce, which had

ON SCREEN TEXT: 36% increase of the

intermittent workforce.

Deloitte ConnectMe study, 2018,

https://www2.deloitte.com/content/dam/Deloitte/us/Documents/human-capital/us-cons-connectme-consumer-goods-case-study.pdf

Bar chart icon appears next to text.

NARRATOR: previously increased by 36%. For many of these

People in an office team meeting work together and write down ideas.

NARRATOR: employees, accessing health benefits has long been a challenge. That’s because many

Team gathered in an office meeting room. Woman writes ideas on a white board.

NARRATOR: employers that depend on intermittent employees don’t offer health benefits or, in the case of some full-time hourly

Office employees gathered around a table brainstorm and review project documents.

NARRATOR: paid employees, traditional health plans are deemed too expensive to purchase. At UnitedHealthcare,

ON SCREEN TEXT: We believe in

heathy for all

NARRATOR: we believe in healthy for all. That’s why we

Senior woman and man reviewing benefits document with insurance agent.

NARRATOR: created UnitedHealthcare FlexWorkTM, a solution designed to help make being healthier more accessible to part-time or

Man and woman at their kitchen table talking and browsing on a laptop.

NARRATOR: full-time hourly employees through a suite of integrated coverage solutions. Through FlexWork,

Friends seating around a table at a restaurant laugh and talk as a server delivers their food.

NARRATOR: large employers in industries such as retail, restaurant, health care, staffing and hospitality may offer health

Man and woman at an office looking over company analytics on the computer.

NARRATOR: care and supplemental coverages to employees not typically eligible for full-time benefits. With access to UnitedHealthcare’s national provider network,

Nurse sits with senior woman and discusses her health chart and test results. Both women wear face masks.

NARRATOR: FlexWork Limited medical plans are designed to help make being healthier more inclusive and improve access to medical care.

ON SCREEN TEXT: - Designed for affordability

ON SCREEN TEXT: - Coverage for most Essential Health Benefits

ON SCREEN TEXT: - No deductible or coinsurance

ON SCREEN TEXT: - ChoicePlus nationwide network

ON SCREEN TEXT: - Optional pharmacy coverage

Piggy bank 2 illustration appears next to text.

NARRATOR: FlexWork Sub-Bronze Limited medical plans provide first dollar medical coverage without a deductible or co-insurance for many essential health benefits and optional pharmacy coverage.

Woman gets an eye examination by an ophthalmologist.

NARRATOR: A range of specialty benefit plans such as vision,

Dentist checks a patient’s teeth.

NARRATOR: dental, critical illness, accident

Woman meets with her doctor in his office to review treatment options on a tablet. Both wear face masks.

NARRATOR: and hospital indemnity can also be added. Minimum value plans are available for employees needing a separate plan for compliance under the Affordable Care Act.

Doctor talks to patient as they review his results on a tablet. Both wear face masks.

NARRATOR: FlexWork is available for employers with 5,000 or more total W-2 employees.

Doctor typing on a laptop.

NARRATOR: Contact your UnitedHealthcare representative or go to uhc.com/flexwork. With FlexWork,

ON SCREEN TEXT: We believe in healthy for all

Contact your UnitedHealthcare representative

or go to uhc.com/flexwork.

NARRATOR: we believe in healthy for all.

UHC U-mark appears along with UHC stacked wordmark. Music fades out.

ON SCREEN TEXT: Some restrictions apply for FlexWork plans compared to our traditional medical plans, including limits related to physician visits and other covered ambulatory services and dollar caps per hospital admission (with unlimited admissions).

Administrative services provided by United HealthCare Services, Inc. and UnitedHealthcare Service LLC in NY, or their affiliates. Noninsurance services are offered only on specific lines of coverage and are not insurance. These services may be modified or terminated at any time, may not be available in all states and may vary depending on state laws and regulations. Not available in New York and Washington.

Industry-leading expertise

As the nation’s largest health benefits provider, UnitedHealthcare has decades of experience designing plans to promote better health and greater affordability

Large provider network

More choices than the narrow networks in some exchange plans

Simplicity and savings

Medical plans with no deductibles, first-dollar coverage and lower out-of-pocket costs; can be offered via pretax payroll deduction. Plus, dependent coverage is also available.

More ways for employees to get healthier

Health and discount programs to help employees manage their overall well-being for increased productivity and reduced absenteeism

Alternative to ACA marketplace plans

Not everyone wants or needs a high-deductible exchange plan, and Medicaid eligibility is limited

Access to specialty coverage

Option to enroll in dental, vision and financial protection plans that exchanges don’t have

Medical plans

With multiple options available, you can choose the plan that best fits your business and workforce.

FlexWork Minimum Value Plans

Traditional major medical coverage
Broadest coverage (60%+ actuarial value)
ACA compliance for non-variable-hour contractors
Highest cost
Fully insured, ASO and level funded options

FlexWork Limited Medical Plans

Limited minimum essential coverage
Multiple plan designs with varying Actuarial Values
Lower cost vs. MVP
ASO level funded only
Helps employers expand benefits rewards program

More options to enhance your plan

With these additional plans and programs, FlexWork is built to make healthy more flexible for your employees and your business.

Vision plans

From providing lower-cost access to glasses and contacts to closing critical gaps in care, vision plans enhance your employee benefits package.

See details

Dental plans

Because improving oral health may also improve overall health, dental plans may help lower employees' medical costs, too.

See details

Financial protection plans¹

Plans like hospital indemnity, critical illness² and accident protection are designed to give your employees additional financial security.

See details

Additional programs and services

Round out your FlexWork package with additional benefits for your employees, as well as a specialized benefits administration program for simpler eligibility and enrollment management.

See details

Creating a workforce that's healthier for all

Put a healthier future for your entire workforce within reach. With the intermittent workforce continuing to grow, FlexWork is built to help you offer an inclusive and flexible benefits package that gives all your employees the health benefits they're looking for.

60_%

of organizations surveyed pre-pandemic said they already relied on some type of intermittently employed worker³

32_%

of employers surveyed post-pandemic say they are actively replacing full-time workers with contingent workers to help control costs⁴

^#1

most requested benefit by employees is health insurance⁵

FlexWork is built for employees like yours

Restaurant, retail, hospitality and other non-staffing businesses

Employees eligible for coverage:

Non-benefits-eligible W-2 workers — Part-time, limited-time, seasonal and hourly employees
Benefits-eligible W-2 workers — Full-time hourly or salaried workers who opt out of your high deductible major medical health plan

Staffing businesses

Employees eligible for coverage:

Non-benefits-eligible W-2 workers — Variable-hour contingent contractors (<30 hours/week, non-full-time)
Benefits-eligible W-2 workers — Non-variable-hour contingent contractors (>30 hours/week, full-time)

To learn more or ask for a quote, contact your UnitedHealthcare representative

Footnotes

Financial protection plans are limited excepted benefit plans that are not considered major medical coverage. FlexWork Financial Protection products are offered to our customers in New York by Unimerica Life Insurance Company of New York.
Critical illness products are referred to as specified disease products in NY.
Deloitte ConnectMe 2018 study.
“9 Future-of-work Trends Post-COVID-19.” Gartner, June 8, 2020. Available: https://www.gartner.com/smarterwithgartner/9-future-of-work-trends-post-covid-19.
“The Best Employee Benefits for Keeping Workers Happy.” U.S. Chamber of Commerce, March 12, 2019. Available: https://www.uschamber.com/co/ru/human-resources/topemployee-benefits.

Disclaimers

This policy has exclusions, limitations and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, contact your broker or UnitedHealthcare sales representative.

Insurance coverage provided by or through UnitedHealthcare Insurance Company or its affiliates. Administrative services provided by United HealthCare Services, Inc. and UnitedHealthcare Service LLC in NY, or their affiliates. Noninsurance services are offered only on specific lines of coverage and are not insurance. These services may be modified or terminated at any time, may not be available in all states and may vary depending on state laws and regulations. Not available in New York and Washington.

UnitedHealthcare dental coverage underwritten by UnitedHealthcare Insurance Company, located in Hartford, Connecticut, UnitedHealthcare Insurance Company of New York, located in Islandia, New York, or their affiliates. Administrative services provided by Dental Benefit Providers, Inc., Dental Benefit Administrative Services (CA only), DBP Services (NY only), United HealthCare Services, Inc. or their affiliates. Plans sold in Texas use policy form number DPOL.06.TX, DPOL.12.TX and DPOL.12.TX (Rev. 9/16) and associated COC form numbers DCOC.CER.06, DCOC.CER.IND.12.TX and DCERT.IND.12.TX. Plans sold in Virginia use policy form number DPOL.06.VA with associated COC form number DCOC.CER.06.VA and policy form number DPOL.12.VA with associated COC form number DCOC.CER.12.VA. * Benefits for the UnitedHealthcare Dental DHMO/Direct Compensation plans are offered by Dental Benefit Providers of California, Inc. UnitedHealthcare Dental is affiliated with UnitedHealthcare.

UnitedHealthcare vision coverage provided by or through UnitedHealthcare Insurance Company, located in Hartford, Connecticut, UnitedHealthcare Insurance Company of New York, located in Islandia, New York, or their affiliates. Administrative services provided by Spectera, Inc., United HealthCare Services, Inc. or their affiliates. Plans sold in Texas use policy form number VPOL.06.TX or VPOL.13.TX and associated COC form number VCOC.INT.06.TX or VCOC.CER.13.TX. Plans sold in Virginia use policy form number VPOL.06.VA or VPOL.13.VA and associated COC form number VCOC.INT.06.VA or VCOC.CER.13.VA. This policy has exclusions, limitations and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, contact either your broker or the company.

UnitedHealthcare Critical Illness product is provided by UnitedHealthcare Insurance Company. Critical Illness coverage is NOT considered “minimum essential coverage” under the Affordable Care Act and therefore does NOT satisfy the mandate to have health insurance coverage. Failure to have other health insurance coverage may be subject to a tax penalty. Please consult a tax advisor. The policies have exclusions, limitations, reductions of benefits, and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, call or write your insurance agent or the company. Some products are not available in all states. UnitedHealthcare Insurance Company is located in Hartford, CT.

UnitedHealthcare Accident Protection product is provided by UnitedHealthcare Insurance Company. The policies have exclusions, limitations, reductions of benefits, and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, call or write your insurance agent or the company. Some products are not available in all states. UnitedHealthcare Insurance Company is located in Hartford, CT.

UnitedHealthcare Hospital Indemnity product is provided by UnitedHealthcare Insurance Company. The product provides a limited benefit for certain hospital indemnity plan benefits. Please note: HOSPITAL INDEMNITY coverage is NOT considered “minimum essential coverage” under the Affordable Care Act and therefore does NOT satisfy the mandate to have health insurance coverage. Failure to have other health insurance coverage may be subject to a tax penalty. Please consult a tax advisor. The policy has exclusions, limitations, reductions of benefits, and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, call or write your insurance agent or the company. This product is not available in all states. UnitedHealthcare Insurance Company is located in Hartford, CT.

Noninsurance services are offered only on specific lines of coverage and are not insurance. These services may be modified or terminated at any time, may not be available in all states and may vary depending on state laws and regulations. Not available in New York and Washington.

All UnitedHealthcare members can access a cost estimate online or on the mobile app. None of the cost estimates are intended to be a guarantee of your costs or benefits. Your actual costs may vary. When accessing a cost estimate, please refer to the Website or Mobile application terms of use under Find Care & Costs section.

HealthiestYou is not health insurance. HealthiestYou is designed to complement, and not replace, the care you receive from your primary care physician. HealthiestYou physicians are an independent network of doctors who advise, diagnose, and prescribe at their own discretion. HealthiestYou physicians provide cross coverage and operate subject to state regulations. Physicians in the independent network do not prescribe DEA controlled substances, non- therapeutic drugs and certain other drugs which may be harmful because of their potential for abuse. HealthiestYou does not guarantee that a prescription will be written. Services may vary by state. HealthiestYou by Teladoc® and UnitedHealthcare are not affiliated and each entity is responsible for its own contractual and financial obligations.

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