Seguro de salud para empleadores

Addressing behavioral health care needs at all points of engagement, and connecting health solutions across medical, behavioral and pharmacy services, is key to providing comprehensive support. UnitedHealthcare health plans are designed to guide employees to the best support using a framework that includes:

Guided member experience: Through advocacy and other interactions, the aim is to connect employees to the right behavioral health care option at the right time. For example, case management is performed on a single, integrated platform. This gives a “whole-person” view and allows clinical teams to better coordinate outreach and care.

Improved access to care: Creative strategies connect employees to providers and resources. These strategies span from virtual care solutions to tools for self-management of symptoms.

Demonstrated performance and value: Performance for all programs is measured through data programs, such as claims, and aligned with strategies to help support the mental health needs of employees.

National presence, local impact: National behavioral health expertise through resources, such as virtual visit providers and advocacy support, is brought to local markets to provide market-specific solutions.

UnitedHealthcare claims data shows that members with co-occurring medical and behavioral health conditions — also known as comorbidities — have costs that are, on average, twice as high as claims for members with medical conditions alone.⁷ Plus, in an average group health plan population, about 14% of members experience both medical and behavioral conditions, amounting to 28% of the total cost of care.⁸

Consider the example of a hypothetical employee, Joe.⁹ In a wellness visit, Joe’s primary care physician (PCP) refers him to a cardiologist after discovering high blood pressure that may require specialized management.

When Joe calls to find a network cardiologist, an alert on the advocate’s dashboard prompts a conversation with a nurse case manager to help support Joe with managing his heart condition. The nurse case manager then follows up with Joe and conducts a behavioral health screening, in which Joe screens positive for depression. Thanks to integrated medical and behavioral benefits, a process begins to help Joe find mental health support.

Managing a chronic physical condition may be challenging enough for employees. Doing so while also navigating the possible challenges of a mental health condition may magnify that difficulty.

“Someone with depression or anxiety may struggle more to manage a chronic health condition, leading to the need for more acute care, such as ER visits and inpatient admissions,” says Martin Rosenzweig, chief medical officer of Optum Behavioral Health. “Mental health issues may also translate into a lack of medication adherence or a lack of self-care, resulting in potentially serious health outcomes.”

For every $1 put into scaled-up treatment for common mental disorders, there can be a return of $5 in improved health and productivity.¹⁰ In contrast, those with a mental health diagnosis who receive behavioral health treatment are 26% less likely to miss work and 36% less likely to be unengaged on the job.¹¹

Consider the impact of LifeSolutions, a Behavioral Health Solutions program, on cost and outcomes. An evaluation found the program resulted in 25% lower medical costs.¹² Beyond costs, LifeSolutions participants demonstrated 15% greater improvement in depression screening scores compared to non-participants.¹²

All employees are screened for depression using the Patient Health Questionnaire (PHQ)-9, and those who test positive are referred to a behavioral health or EAP service. For employees, integrated behavioral and medical benefits create fewer hand-offs and build a more connected experience. For instance, UnitedHealthcare advocates are trained to connect employee callers to clinical support through referrals to medical and behavioral clinicians and related programs.

Employers can view the overall health of their employee population, including employees with comorbid conditions, and how well health management programs may be working and other performance indicators using UnitedHealthcare’s proprietary software, Health Plan Manager™. This comprehensive look at health data helps employers to consider plan design changes or deploy targeted interventions if needed.

For Joe, after months of virtual therapy and a prescription from his provider, he is feeling better and is aware of his risk for depression. He now uses the app to log his daily emotions and to connect anonymously with others who relate to his experience. Joe feels good about being able to monitor his mental health with the help of the app. He is confident that he has the tools and resources he needs to get additional support if his symptoms change.