Experience: Surest · Education: University of St. Thomas · Location: St Paul, Minnesota, United States · 500+ connections on LinkedIn. View Robert Grant’s profile on LinkedIn, a professional ...LGBTQ+-friendly workplace with inclusive health benefits. A recent survey found almost 6% of Americans 1 identify as LGBTQ+, and 17 million of them are in the workforce. Most Fortune 500 companies have non-discrimination policies 2 addressing sexual orientation and gender identity. And employers in every 3 state are banding together to help ...Cut costs, not benefits, and deliver more value to employees A plan designed to help members save based on choice, clarity, experience 1. Surest self-funded 2021 book of business plan sponsors with at least 12 months of incurred experience in 2021 and both medical and pharmacy data within our warehouse; compared to matched comparison …Mental health: member guide. Mental health: member guide. Mental health includes our psychological, emotional and social well-being. It reflects how we feel, think, act and relate to others. This is important at every stage of life. Use this resource to better understand your mental health benefits on the Surest plan.Dmk5657. ADMIN MOD. My experience/review with Surest (Bind) Health Insurance. Plan Choice Suggestions. For those unaware Surest (previously Bind) is a fairly new PPO subset of UHC that has the pitch of no deductibles, variable co-pays by doctor, & similar pricing to HDHPs. On paper it looks suspiciously too good to be true.Welcome to Surest - benefits.surest.comWelcome to Surest - benefits.surest.comFeb 6, 2023 · UnitedHealthcare is now offering the Surest plan to employers. With self-funded health plans nationwide, as well as to employers in 19 states with fully insured plans that include 51 or more employees. For more information, visit Surest.com. Surest is always looking for people passionate about bringing a better health care benefit to market. Surest is part of UnitedHealthcare and the UnitedHealth Group family of businesses. To see current career opportunities, you will be redirected to the UnitedHealth Group careers website. Search jobs. At Surest, we’re working to give members ... Contact Surest Member Services in the app, or call 866-683-6440. Is your employer offering the Surest plan? Test-drive the site to see your costs and coverage. You’ll need your employer access code to login. Surest health plans are copay-only plans. This means employees receive full coverage on day 1, with no deductible to satisfy before their plan starts working for them. Clear pricing in advance. The Surest app is designed to be easy-to-use, allowing members to search for costs and coverage before scheduling an appointment. Feb 7, 2024 · The Surest plan from UnitedHealthcare is designed to help simplify how you access health care, while providing upfront pricing and benefits that work for you immediately – without a deductible to chip away at or coinsurance to pay. Instead, you’ll be able to choose medical care based on a single price or copay before you make an appointment. Surest is an employer-sponsored health plan that gives members the tools to see cost and coverage information before the point of care. Members receive quality medical coverage with access to the broad, national UnitedHealthcare and Optum Behavioral Health networks. Key features. All of our medical plans provide: Comprehensive, affordable coverage. for a wide range of health care services. Free in-network preventive care. with services such as annual physicals, recommended immunizations, and routine screenings all 100% covered. Prescription drug coverage. provided by MedImpact.Aug. 12, 2022. Surest™, a UnitedHealthcare company formerly known as Bind, redesigned how health plans work by removing deductibles, offering clear costs in advance of treatment, and lowering total health care costs for employers and employees. Surest seeks to simplify how people navigate the health system, removing barriers to care and ...Surest | 15,379 followers on LinkedIn. Surest is giving people power over their health experience. | Surest, a UnitedHealthcare company, is dedicated to redesigning health insurance, offering a simpler and more transparent way for people to access the health care system. Surest plans eliminate deductibles, feature up-front pricing for medical services …Surest Health PPO 833-576-6519 benefits.surest.com Hawaii Medical Services Association (HMSA) 800-776-4672 Medicare Eligible Participants The Lumen Retire and Inactive Health Plan requires coordination with Medicare Part B. Therefore, anyone (you or your dependents) who is eligible for Medicare .About. Bind was formed in 2016 by veteran health insurance innovators passionate about making health insurance personal - with the clarity, flexibility and power people deserve. Bind took the old ...Fully insured Surest member ID card. A. Group identification number B. Subscriber name and covered dependents C. Member help information D. Claims submission information and address E. Applicable provider network F. Pharmacy benefits provider and information Additional details: Each household receives high-grade plastic cards, shipped USPS …the Surest health plan or Surest Flex. Insurance coverage for fully insured plans is provided by All Savers Insurance Company (for FL, GA, OH, UT and VA), by UnitedHealthcare Insurance Company of IL (for IL), by United Healthcare of Kentucky, Ltd. (for KY), or by UnitedHealthcare Insurance Company (for AL, AR, AZ, CO, DC, GA, IA, ID, IN, KS,Surest™, formerly Bind, offers a new approach to health benefits that eliminates deductibles and offers access to clear, upfront pricing information before people access care. Surest members show improved satisfaction; plans offer up to 15% lower health care costs for employers and reduced member out-of-pocket expenses by up to …In addition, you can choose to contribute to your HSA, up to the IRS annual limit of $3,850 for Employee Only coverage or $7,750 for Employee + Other(s) coverage in 2023 (Eaton’s contributions apply to the limit). If you are age 55 or older, you can make an additional catch-up contribution of $1,000.With the self-funded health plan solution, Surest has the ability to: Design plan benefits. Operate the plan. Issue member ID cards. Handle day-to-day administrative tasks. Provide customer service through the Member Services. Approve and pay employees' medical claims as they arrive from the doctor, hospital or pharmacy.benefits team for more information. Is there an out-of-pocket limit? What applies? Yes. There is an out-of-pocket limit, or the most money you’ll pay in a given year for health care benefits your plan covers. Visit Join.Surest.com or your benefit site for details. All copays count toward the out-of-pocket limit, from office visits to surgery.Surest benefit eligibility information | Surest personalized health plan. Check member benefit eligibility. Visit UHCprovider.com/surest to verify Surest member eligibility and …For additional coverage information, go to Benefits.Surest.com, the Surest mobile app or call Surest Member Services at +1 866 683 6440. Your costs for out-of-network services apply toward the in-network out-of-pocket maximum. However, your costs for in-network services do not apply toward the out-of-network out-of-pocket maximum.The Surest health plan is designed to be easy to use and easy to understand. We help you shop for care like you do for everything else. Check out the benefits for individuals and families. The Surest plan gives you control through more options, more opportunities to save and an experience designed to be easy to use and understand. This is only a summary. For more information about your coverage, or to get a copy of the complete terms of coverage, visit Join.Surest.com, Surest mobile app, Benefits.Surest.com website or call Surest Member Services at 1-866-683-6440. For general definitions of common terms, such as allowed amount, balance billing, coinsurance, copayment ... To obtain a breast pump covered by the Surest plan: Ask your doctor for a breast pump prescription. Find an in-network, licensed durable medical equipment (DME) supplier. Here are a few national suppliers: Aeroflow Breast pumps 844-867-9890. Pumping Essentials 866-688-4203. The Breastfeeding Shop 866-255-6779.To improve health equity, inclusive health plans need to be easy to use and easy to understand, according to a 2021 McKinsey and Company report. 2 Industry jargon only adds to frustration. Flexibility is also important. The future of health care focuses on individual needs and personalized care. People want options and choices.Surest benefit eligibility information | Surest personalized health plan. Check member benefit eligibility. Visit UHCprovider.com/surest to verify Surest member eligibility and …Call the Surest Provider Line at 844-368-6661. You can also email [email protected] for general questions. UnitedHealthcare Provider Portal support. Help for portal login, access and functionality questions is available 7 a.m.–7 p.m. CT, Monday – Friday via chat. Sign in open_in_new with your One Healthcare ID to chat with …UnitedHealthcare’s Surest offers a new approach to health benefits that removes deductibles and provides clear upfront pricing information to people in advance of …With the Surest health plan, prices for doctors and health services are available on the app, so you can compare options. See where you might be able to save money by selecting a different provider or service location, then decide what’s right for you and your budget. You can also see current claims info in the app, and easily access your ... Surest health plans are copay-only plans. This means employees receive full coverage on day 1, with no deductible to satisfy before their plan starts working for them. Clear pricing in advance. The Surest app is designed to be easy-to-use, allowing members to search for costs and coverage before scheduling an appointment. benefits.surest.com. Classification: neutral. Classification: Neutral AS: AS14618 Amazon.com, Inc. | ⚠️ Neutral activity: Top 1M Site (Cisco Umbrella) Current Activity. Online Hostname This Hostname is DNS resolving. Last checked 2024-02-11 11:06:47. Tags. Blacklist sightings. Description Source First SeenWe can help! Visit Benefts.Surest.com. or call 866-683-6440 for information about your prescription drug coverage and to estimate costs. Getting to know your Prescription Drug List (PDL) and special requirements. The Prescription Drug List (PDL) contains the most commonly prescribed medications on your pharmacy plan.Cut costs, not benefits, and deliver more value to employees A plan designed to help members save based on choice, clarity, experience 1. Surest self-funded 2021 book of business plan sponsors with at least 12 months of incurred experience in 2021 and both medical and pharmacy data within our warehouse; compared to matched comparison …To locate in-network providers, search for medical services, see the amount you will pay for care (copay amounts), compare costs for treatments and procedures, call Member Services at +1 866 683 6440, visit the Surest Mobile App or Benefits.Surest.com. See the Networks section for search instructions.Feb 6, 2023 · UnitedHealthcare is now offering the Surest plan to employers. With self-funded health plans nationwide, as well as to employers in 19 states with fully insured plans that include 51 or more employees. For more information, visit Surest.com. Get free quotes at newhealthinsurance.com and safeguard your well-being. To speak to a Licensed Insurance Agent, Call Now! 833-864-8115. Discover the surest health insurance with comprehensive reviews, pros, and insights into prescription coverage. Make an informed decision for your well-being. Surest is an ACA-compliant health plan for employers with 51+ employees. It’s offered through employers in 49 states, excluding Hawaii. How does this work with other health insurance? If you have other insurance, call us at 866-683-6440 M - F from 6 am to 9 pm CT to discuss how the plan works with that coverage. Cut costs, not benefits, and deliver more value to employees A plan designed to help members save based on choice, clarity, experience 1. Surest self-funded 2021 book of business plan sponsors with at least 12 months of incurred experience in 2021 and both medical and pharmacy data within our warehouse; compared to matched comparison groups from a nationally representative Discover your new favorite way to stay healthy. Get access to gyms, studios, online workouts, and grocery delivery with one monthly membership. Get started.Maybe Surest is good insurance, it's hard to tell. I had my first urology appointment of the year canceled because my doctor no longer takes Surest. Five years as a patient, and a cancer "survivor" at that, and I am summarily dropped off at the curb. Surest customer service still lists my former doctor in its directories on the app and on the ... After you enroll visit the Surest mobile app or Benefits.Surest.com website. ¹ Certain flexible coverage services must be activated through Surest, by you, before coverage is effective under the plan, or there may be no coverage. Activation fees are payroll deducted and do not apply to out-of-pocket maximum. $0 Copay if participating with ... Please note: these MRFs are not the member-friendly consumer price transparency tool that is scheduled to become available in 2023 and 2024. Please contact Surest at Benefits.Surest.com or 1-866-683-6440 with questions about your medical plan coverage if you are enrolled in the Enhanced-Surest or Standard-Surest option. Surest health plans are copay-only plans. This means employees receive full coverage on day 1, with no deductible to satisfy before their plan starts working for them. Clear pricing in advance. The Surest app is designed to be easy-to-use, allowing members to search for costs and coverage before scheduling an appointment. Call the Surest Provider Line at 844-368-6661. You can also email [email protected] for general questions. UnitedHealthcare Provider Portal support. Help for portal login, access and functionality questions is available 7 a.m.–7 p.m. CT, Monday – Friday via chat. Sign in open_in_new with your One Healthcare ID to chat with …Phone: 800-808-4424, ext. 15227. Fax: 888-615-6584. Remember to provide all supporting materials in your appeal, including member-specific treatment plans and clinical records. Surest, a UnitedHealthcare company, administers a health plan without a deductible or coinsurance. Members have access to the Optum and UnitedHealthcare network and can ...The Claims Administrator provides an online directory available at Benefits.Surest.com or the Surest mobile app. You may also call Surest Member Services at +1 866 683 6440. Network provider lists can change, so take the time to review the networks to determine which networks your health care providers participate in before choosing a third ...Surest members show improved satisfaction; plans offer up to 15% lower health care costs for employers and reduced member out-of-pocket expenses by up to …Maybe Surest is good insurance, it's hard to tell. I had my first urology appointment of the year canceled because my doctor no longer takes Surest. Five years as a patient, and a cancer "survivor" at that, and I am summarily dropped off at the curb. Surest customer service still lists my former doctor in its directories on the app and on the ...UMR offers flexible, third-party administration of multiple, complex plan designs and integrated in-house services. We work closely with brokers and clients to deliver custom benefits solutions. Cut costs, not benefits, and deliver more value to employees A plan designed to help members save based on choice, clarity, experience 1. Surest self-funded 2021 book of business plan sponsors with at least 12 months of incurred experience in 2021 and both medical and pharmacy data within our warehouse; compared to matched comparison groups from a nationally representative Surest | 14,892 followers on LinkedIn. Surest is giving people power over their health experience. | Surest, a UnitedHealthcare company, is dedicated to redesigning health insurance, offering a ... Check eligibility and benefits through UHCprovider.com or by calling the provider services number at 1-844-368-6661. Check eligibility and benefit inquiry (271) transaction for Surest subcribers or dependents. Use Surest payer ID 25463 or “Surest” mnemonic in certain systems. For benefit verification and claim submission, take note of Check eligibility and benefits through UHCprovider.com or by calling the provider services number at 1-844-368-6661. Check eligibility and benefit inquiry (271) transaction for Surest subcribers or dependents. Use Surest payer ID 25463 or “Surest” mnemonic in certain systems. For benefit verification and claim submission, take note of We can help! Visit Benefts.Surest.com. or call 866-683-6440 for information about your prescription drug coverage and to estimate costs. Getting to know your Prescription Drug List (PDL) and special requirements. The Prescription Drug List (PDL) contains the most commonly prescribed medications on your pharmacy plan.Join.Surest.com, Surest mobile app, Benefits.Surest.com website or call Surest Member Services at 1-866-683-6440. For general definitions of common terms, such as allowed amount, balance billing, coinsurance, copayment, deductible, provider, or other underlined terms, see the Glossary. You can view the Glossarybenefits team for more information. Is there an out-of-pocket limit? What applies? Yes. There is an out-of-pocket limit, or the most money you’ll pay in a given year for health care benefits your plan covers. Visit Join.Surest.com or your benefit site for details. All copays count toward the out-of-pocket limit, from office visits to surgery. Surest is a UnitedHealthcare company that administers a health plan without a deductible or coinsurance. Members have access to the nationwide UnitedHealthcare and Optum® Behavioral Health networks and can check costs and care options in advance. A small number of members have the Surest Flex plan, which includes the feature of flexible ... UnitedHealthcare’s Surest offers a new approach to health benefits that removes deductibles and provides clear upfront pricing information to people in advance of treatment. As a result, Surest members report improved satisfaction, employers enjoy lower health care costs, and consumers benefit from lower out-of-pocket expenses.1.COVID-19 vaccines: COVID-19 vaccine and booster serum and administration is a $0 copay when in network. For out-of-network care, you’ll need to pay the out-of-network preventive copay listed in the Surest app or Benefits.Surest.com. Over-the-Counter (OTC) tests: No coverage for medical or pharmacy OTC COVID-19 tests unless mandated by state ...Effective Jan. 1, 2023, Nokia employees are covered by plans provided by Surest™ plan, which is part of the UnitedHealthcare Choice Plus network. You don’t need separate credentialing for Surest plans if you participate in other UnitedHealthcare commercial plans. Please help ensure that staff are familiar with the Surest plan member ID card ...Savings for you and your employees. Surest can help members choose more efficient treatments and providers, as well as keep up on preventive screenings and exams. The … Join.Surest.com, Surest mobile app, Benefits.Surest.com website or call Surest Member Services at 1-866-683-6440. For general definitions of common terms, such as allowed amount, balance billing, coinsurance, copayment, deductible, provider, or other underlined terms, see the Glossary. You can view the You may submit claims to Surest (365-day timely filing) electronically at Surest payer ID 25463 or by mail to: PO Box 211758, Eagan, MN 55121 After a claim has been submitted, quickly check claims status on UHCprovider.com or call 844-368-6661 to speak with a specially trained Surest Provider Services representative. Help your clients reach their benefit goals with the Surest health plan. 1 Combination of modeled and actual results across Surest prospects and clients; independently developed benchmark based on a database containing health care claims from 80 million U.S. lives risk-adjusted for demographics, geography, and disease burden. 13_V02.Surest plan: benefits with variable copays Overview Effective October 19, 2023, UnitedHealthcare updated Electronic Data Interchange (EDI) 271 transaction responses for members with medical plans within Surest which have specific service benefits that provide a copay based on a variable rate. The rate is determined byCall the Surest Provider Line at 844-368-6661. You can also email [email protected] for general questions. UnitedHealthcare Provider Portal support. Help for portal login, access and functionality questions is available 7 a.m.–7 p.m. CT, Monday – Friday via chat. Sign in open_in_new with your One Healthcare ID to chat with …The Surest plan is a 100% pass-through rebate model. We provide pharmacy benefit administration services for a flat fee. Rather than maximizing the “spread” between the acquisition cost of the drug and the amount employers pay via the claim, Surest determines the copay the member pays based on actual net cost of rebates, net of discounts.Coverage information for Surest Flex plans will be available in the portal as of Jan. 1, and variable pricing information will be available in the portal at a later date. Prior authorization and notification will be available in the portal at a later date. Prior to Jan. 1, please continue to call UHSS Provider Services at 844–368–6661.The UnitedHealthcare Surest™ health plan, which eliminates deductibles and offers clear upfront pricing information to people in advance of treatment, helps members more frequently access preventive care services and lower out-of-pocket costs, according to recent data. [1] At the same time, the data shows employers can reduce health care …Surest is $0 deductible, ACA-compliant health plan solution available to employers with 51+ employees, available in all 50 states. ... We asked what people wanted from their health benefits and designed a health plan around that feedback—medical coverage with no deductibles or coinsurance, clear prices in advance of seeking care, a broad ...Surest benefit eligibility information | Surest personalized health plan. Check member benefit eligibility. Visit UHCprovider.com/surest to verify Surest member eligibility and … To locate in-network providers, search for medical services, see the amount you will pay for care (copay amounts), compare costs for treatments and procedures, call Member Services at +1 866 683 6440, visit the Surest Mobile App or Benefits.Surest.com. See the Networks section for search instructions. In addition, you can choose to contribute to your HSA, up to the IRS annual limit of $3,850 for Employee Only coverage or $7,750 for Employee + Other(s) coverage in 2023 (Eaton’s contributions apply to the limit). If you are age 55 or older, you can make an additional catch-up contribution of $1,000.Sign in to your member account. Sign in anytime to see your benefits, find network doctors, view and pay claims and more. Register for a member account. Members can register for a secure member account in just a few steps. Find your plan type in the list below to set up your member account now. Health plans through work.To locate in-network providers, search for medical services, see the amount you will pay for care (copay amounts), compare costs for treatments and procedures, call Member Services at +1 866 683 6440, visit the Surest Mobile App or Benefits.Surest.com. See the Networks section for search instructions.Make your benefit go further. Simply log in to start using your benefits. Don't have an account? Sign up. Remember, you must be a member to log in.Summary of Benefits and Coverage: What this Plan Covers & What You Pay for Covered Services Coverage Period: 01/01/2024 – 12/31/2024 Star Tribune Media Company LLC: …Application Programming Interface (API) is a common interface that interacts between multiple applications in real-time. API solutions allow health care professionals to electronically receive detailed data on the status of claims, eligibility and benefits. Explore the benefits of API or download the overview open_in_new.Get free quotes at newhealthinsurance.com and safeguard your well-being. To speak to a Licensed Insurance Agent, Call Now! 833-864-8115. Discover the surest health insurance with comprehensive reviews, pros, and insights into prescription coverage. Make an informed decision for your well-being.Surest is a unique and quickly growing health plan that doesn’t have deductibles or coinsurance. Register for our upcoming webinar to learn how you can prepare for members with Surest plans. You’ll get the resources you need to complete administrative tasks like checking eligibility, processing claims and receiving payment.2022. PRESS RELEASE. UnitedHealthcare’s Surest Offers a New Approach to Health Insurance. August 11, 2022 | 2 min Read. Share: Surest™, formerly Bind, offers a new approach to health benefits that …This exposure weakens your immune system, making it easier for you to get sick.”. Practice relaxation. Set aside time for you. Talk to someone. Prioritize activities. 5. With a shift in thinking, “prescribing” lifestyle changes can be a highly effective form of medication, without any side effects.Dmk5657. ADMIN MOD. My experience/review with Surest (Bind) Health Insurance. Plan Choice Suggestions. For those unaware Surest (previously Bind) is a fairly new PPO subset of UHC that has the pitch of no deductibles, variable co-pays by doctor, & similar pricing to HDHPs. On paper it looks suspiciously too good to be true.Welcome to Surest - benefits.surest.comOther important benefits – ABM offers an array of choices for Disability and Life Insurance, Pre-Tax Commuter and Parking Benefits, Legal Services, Identity Theft Protection, Discounted Gym ...With the Surest health plan, prices for doctors and health services are available on the app, so you can compare options. See where you might be able to save …
UMR offers flexible, third-party administration of multiple, complex plan designs and integrated in-house services. We work closely with brokers and clients to deliver custom benefits solutions.. Wix logo creator
Effective Jan. 1, 2023, Nokia employees are covered by plans provided by Surest™ plan, which is part of the UnitedHealthcare Choice Plus network. You don’t need separate credentialing for Surest plans if you participate in other UnitedHealthcare commercial plans. Please help ensure that staff are familiar with the Surest plan member ID card ...In 2020, 59% of Surest virtual care visits were for mental health services. And Doctor On Demand, a Surest partner that provides virtual access to licensed physicians 24/7, indicates that mental health services are being consumed at increased levels. Interestingly, Surest plan members use Doctor On Demand at a rate three times that of any other ...Surest | 15,379 followers on LinkedIn. Surest is giving people power over their health experience. | Surest, a UnitedHealthcare company, is dedicated to redesigning health insurance, offering a simpler and more transparent way for people to access the health care system. Surest plans eliminate deductibles, feature up-front pricing for medical services …Join.Surest.com, Surest mobile app, Benefits.Surest.com website or call Surest Member Services at 1-866-683-6440. For general definitions of common terms, such as allowed amount, balance billing, coinsurance, copayment, deductible, provider, or other underlined terms, see the Glossary. You can view theJoin.Surest.com, Surest mobile app, Benefits.Surest.com website or call Surest Member Services at 1-866-683-6440. For general definitions of common terms, such as allowed amount, balance billing, coinsurance, copayment, deductible, provider, or other underlined terms, see the Glossary. You can view the You may submit claims to Surest (365-day timely filing) electronically at Surest payer ID 25463 or by mail to: PO Box 211758, Eagan, MN 55121 After a claim has been submitted, quickly check claims status on UHCprovider.com or call 844-368-6661 to speak with a specially trained Surest Provider Services representative. Surest members also paid 54% less out-of-pocket compared to members in traditional plans and saved an average of 11% per member per month. Savings were up to 15% for employers, according to the study.The Benefits Handbook on this site describes the Benefits Program available to eligible US employees of Marsh & McLennan Companies (the Company) and its participating subsidiaries and affiliates. "The Company" as used throughout this Benefits Handbook usually include participating employers and usually do not include affiliated employers …Enrolment in company-sponsored benefits is mandatory. That’s why it’s important that you know the details. Take a look around this site to find out more about the benefit options available to you. 2024 Open Enrollment. Paid Time Off (PTO) Employee Assistance Program (EAP) Health & Well-Being Benefits. Life and Disability Benefits ...Surest PO Box 211758 Eagan, MN 55121 1-888-720-7614 Check your costs and coverage online. You can access and manage your Surest coverage and account details Call, chat or email from the on the Surest app or website. With your Surest plan, it’s all online. Questions? Surest app or website. call: 1-866-683-6440 web: Benefits.Surest.comAbout. Bind was formed in 2016 by veteran health insurance innovators passionate about making health insurance personal - with the clarity, flexibility and power people deserve. Bind took the old ...Surest PO Box 211758 Eagan, MN 55121 1-888-720-7614 Check your costs and coverage online. You can access and manage your Surest coverage and account details on the Surest app or website. With your Surest plan, it’s all online. Questions? Call, chat or email from the Surest app or website. call: 1-866-683-6440 web: Benefits.Surest.comAug 11, 2022 · Surest™, formerly Bind, offers a new approach to health benefits that eliminates deductibles and offers access to clear, upfront pricing information before people access care. Surest members show improved satisfaction; plans offer up to 15% lower health care costs for employers and reduced member out-of-pocket expenses by up to 44%1. .