If you run a company with fewer than 50 employees, you already know the drill for Indiana Group Health Insurance: limited carrier competition, rising hospital costs, and very little hands‑on service. In many Midwestern markets, brokers report that the “under‑50” segment is practically ignored, leaving owners to fend for themselves on price and plan design. Yet those same employers still need modern benefits to recruit and retain talent.
Meet Surest: Simplicity, Clarity, and Small Group Access
UnitedHealthcare‘s Surest plan (formerly Bind) has been shaking up large-employer benefits and Indiana Group Health Insurance with three big ideas:
1. No Deductibles or Insurance
Every service starts with a single upfront copay.
2. Real-Time Price Transparency
Members see the exact cost by provider in the Surest app before they book care.
3. Smart Network Steering
Lower copays for high quality and high value providers encourage better choices and help the plan run lean.
Beginning May 1, 2025, Surest is available to level-funded groups with 2-50 employees, bringing those same advantages to the small group market nationwide. UnitedHealthcare has already released 2025 benefit grids that pair fixed copays with competitive out-of-pocket maximums for each metal tier.
How The Funding Works
Surest rides on UnitedHealthcare’s level‑funded chassis. Employers pay one predictable monthly amount that covers claims funding, stop‑loss protection, and administrative fees. If claims run well, groups may share in a year‑end surplus; if they run hot, the stop‑loss kicks in. It’s a structure many small employers already use with UHC and other carriers—and one that has proven successful across multiple states.
Why Employees Tend to Rave About It
- Zero deductible shock: Members never face a $2,000 surprise before benefits start.
- Shop‑before‑you‑buy: The app shows exact prices (and quality scores) for office visits, imaging, surgeries, and even prescriptions.
- Telehealth‑friendly: Early data show a 30 % jump in virtual‑care usage among Surest members, boosting access and convenience.
- Behavioral economics in action: Lower copays for high‑value providers nudge smarter choices—good for health and for the plan’s bottom line.
Bottom Line
Small employers have been craving a benefit that strips away deductibles, puts real prices on the screen, and still keeps monthly costs predictable. With Surest finally landing in the 2–50 space, that wish list just became a viable reality.
Ready to Take the Next Step in Indiana Group Health Insurance?
Nefouse & Associates has already led successful Surest implementations for large employers and is ready to guide your small group every step of the way.
We’ll explain the plan to you and your team, run the numbers, and map out a smooth Indiana Group Health Insurance rollout—no jargon, no pressure.
Give us a call at (317) 803‑4222 or schedule a quick strategy session today.
