We are dedicated to bringing creative and effective retiree health care coverage, sophisticated advisory services and financing alternatives to our employer/union clients. Our retiree-focused solutions have been developed by dedicated experts and are targeted to the unique challenges of plan sponsor’s retirees. We are a single-source solution for retiree health care needs and work closely with our clients, their consultants and brokers to develop and design programs and services that enhance business objectives and help improve the quality of life for retirees. We have extensive services that simplify health care, such as our comprehensive clinical care model that supports evidence-based assessment tools, a holistic care management approach and consumer-directed care planning.

We provide enrollment and administrative services, plus Retiree Reimbursement Accounts for employers to allow retirees to use the funds to purchase from a variety of health care product options. The UnitedHealth Group family of companies has served America's Medicare beneficiaries for more than 20 years.

Active Employees
For active employees who’d like to plan ahead for retirement health care costs, we offer either a Health Reimbursement Account or a Health Savings Account. The Reimbursement Account is a notionally pre-funded, tax effective account that can be used by employees to contribute to the cost of their retiree medical plan. An employer and/or employee funded Health Savings Account is pre-funded with funds that can be invested as directed by the individual.  These accounts can be used for future out-of-pocket medical expenses as well as premiums for individuals not yet eligible for Medicare.

Notional Retiree Reimbursement Accounts (RRAs)  
A notional RRA is a deferred retirement HRA, provided by the employer for a current or future retiree to use exclusively in retirement for qualified medical expenses. The employer can contribute notional credits to an RRA during employment, upon retirement or post-retirement, or any combination, depending on their specific program design and funding goals.  For example, contributions may, but do not always, accumulate during the employee's working years to create a lump sum allowance upon retirement (amounts typically vary based on years of service, job grade, etc.). Funds become available to the employee upon  retirement, to be used until account depletion or death. Typically when the employee dies, remaining funds are forfeited or transferred to a beneficiary. RRA contributions (from the employer) and disbursements (made by the retiree) are tax-free when used for qualified medical expenses. Employer contributions may qualify as a deductible business expense and exempt from FICA and other employment taxes. (Contact your tax advisor for more information.)

Medicare-eligible Retirees (Post-65)
For individuals older than age 65 who are looking for additional coverage, UnitedHealthcare^® National Accounts offers several solutions. Self- or fully-insured Medicare supplement plans, Medicare Advantage plans and stand alone Medicare Part D programs are offered. These products are augmented by a senior support call center and other support services designed to meet the needs of an older population. We also provide retiree communications specifically designed to meet the needs of an older population, including ID cards with large type for easy reading and “A Guide to Retirement.”