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Commonly Asked Questions about All savers employee enrollment Application Forms

All Savers Alternate Funding is a self-funded health plan designed specifically for small businesses.
With All Savers Alternate Funding, if the covered medical claims are lower than expected, your plan shares the savings with a potential surplus refund at the end of the year (where allowed by state law). And if the covered claims are higher than expected, your stop loss insurance policy covers them.
A Level Funded/All Savers plan is based only on your plan participants medical claims. So when their medical claims are lower than expected, your health plan may get a surplus refund at year-end.
Our enterprise comprises UnitedHealth Group, Optum and UnitedHealthcare.
Excess Loss insurance coverage is provided by All Savers Insurance Company, a UnitedHealthcare company.