Your Choices Matter
Four simple actions can make a difference.
You don't have to become a health care expert. Start with these four things.
4 Things You Can Do Now to Lower Claims Costs
Download the Wellmark App
Put your health plan information at your fingertips.
The Wellmark app gives you easy access to your health plan information and resources when you need them.
Use the app to help find providers, understand your benefits and access tools that can help you make informed decisions about your care.
View What the Plan Is Paying
Your EOB tells more than what you owe.
After you receive health care, take a few minutes to review your Explanation of Benefits (EOB) in myWellmark or the Wellmark app.
Your EOB shows what was billed, discounts applied, what the health plan paid, and what you may owe.
Start Comparing Costs
Now that you know what the plan is paying, you're ready to compare costs.
Before your next service or prescription, see whether you have options that could result in a lower claim while still getting the care you need.
Your knowledge can help lower claims costs for all of us.
Found a lower-cost option? Learned how to compare prescription prices? Discovered a Wellmark tool that can help you make better-informed health care decisions?
Share it with someone else.
Tell a coworker. Talk to your family. Share what you've learned with someone who may need the same service or prescription.
The more we know, the more opportunities we have to make informed choices that can help lower claims costs.
Download. View. Compare. Share.
Four simple actions that can make a difference.
Because we're self-insured, lowering claims costs helps protect the health plan we all share.
Why Does This Matter?
UNI is self-insured.
If you're wondering why your choices can make a difference, it's because UNI's health plan is self-insured.
With a fully insured health plan, an employer generally pays an insurance company a premium to take on the cost of members' claims.
UNI's plan works differently. UNI pays the claims incurred by our plan members. Wellmark administers the plan and provides access to its network and resources, but the cost of claims comes from our self-insured health plan.
So, when a claim costs less, UNI's health plan pays less.
That doesn't mean you should avoid needed care or choose care based solely on price. It means that when you have choices, taking a few minutes to compare your options can make a real difference.
Want to learn more?
Watch our short video to learn how UNI's self-insured health plan works and why the choices we make can affect the plan we all share.
