Treatment Description	Usual Fee	Member Paid	Savings	%Saved
ECHO TRANSTH DUR REST & STRESS W/INT & REPORT	$910	$189	$721	79%
CV STRESS TEST W/ TREADMILL INTERPT. & REPORT	$635	$382	$253	40%
SPIROMETRY W/RECRD-TOT & TIMED VC-EXPIR FLO RATE	$101	$48	$53	52%
REMOVE SKIN TAGS ANY AREA: TO & INCL 15 LESS	$133	$61	$72	54%
COLONOSCOPY FLEX-PROX SPLEM FLEX: DX (SEP PRO)	$975	$412	$558	57%
ECHO BREAST (S) SCAN B-SCAN &/OR REAL TIME W/IMAGE	$480	$112	$368	77%
ARTHROPLASTY TMJ W/PROSTH JT REPLAC	$9,785	$2,135	$7,650	78%
OFFICE /OUTPT VISIT MOD-HI SEVERITY 25 MIN.	$100	$60	$40	40%
OFFICE /OUTPT VISIT LOW-MOD SEVERITY 15 MIN.	$55	$34	$21	38%
MAMMOGRAM	$162	$95	$67	41%
MRI	$1,048	$626	$422	40%
HOSPITAL STAY & SURGERY	$11,199	$1,250	$9,949	89%
HOSPITAL STAY & SURGERY	$15,791	$5,527	$10,264	65%
HOSPITAL STAY	$7,346	$2,204	$5,142	70%
HOSPITAL STAY	$1,663	$600	$1,063	64%
HOSPITAL STAY & SURGERY	$8,271	$2,481	$5,790	70%
HOSPITAL STAY & SURGERY	$10,588	$1,950	$8,638	82%
HOSPITAL STAY	$7,248	$1,850	$5,398	74%

UHB in Action - A Real Life Scenario

Example: A gentleman in Fort Worth, Texas with the UHB Platinum Plan.

He had a major heart attack costing: $46,000.00 (red = his cost) (blue = UHB membership benefit)

He was admitted with no problem, because the UHB card of membership contains insured benefits. The laws states "NO HOSPITAL CAN DISCRIMINATE AGAINST ANYONE'S INSURANCE PLAN". He was taken into ICU/ CCU (coronary care unit) and was treated. With the UHB, he has a $20,000.00 Critical Care Benefit for ICU/CCU that pay's $1,000.00 a day, with no deductible. (This benefit can be used multiple times a year for each family member). His bill was reduced to $14,720.00 due to the "pre-negotiated contracted rate". PPO savings. He was in CCU for 5 days. That equates to $5,000.00 of coverage. (Remember, CCU/ICU pays $1,000.00/ a day, per family member, multiple times per year, no deductible.  He received the $500.00 indemnity per day for each day in the hospital for 5 days. (This was on top of what his UHB card already did for him.)  Plus he saves more on maintenance medication from the pharmacy, up to 86%.

Cost & Benefit Details

$46,000.00 Initial cost -$31,280.00 Reduced, (pre-negotiated contracted rate PPO). $14,720.00 Balance left to pay, however; -$5,000.00 $1,000.00/day X 5 days in CCU $9,720.00 Balance left to pay however; -$2500.00 $500.00/day X 5 days in the hospital $7,220.00 Balance left to pay, however; (We are not including how much he saved on maintenance medication) Total patient responsibility after a $46,000.00 heart attack was $7,220.00. This client had the 07' Platinum Plan that cost him $184.95 per month or $2,219.40 for the year. If you compare that to a traditional major medical plan he would have been paying around $5,592.00 per year. That is $3,373.00 more a year than his UHB plan. If he had a major medical he would have been out of pocket for this hospital stay around $6,000.00 compared to the $7,220.00 but would have paid $3,373.00 more per year for it. What he saved in 1 year of payments more than paid for the difference of his out of pocket expense.

info@unitedhealthbenefits.com ~ 1-866-990-6789 ~ 757-592-9163 ~ Newport News, Virginia