Health goes beyond personal wellness; it’s about creating vibrant communities in which everyone can flourish. Our commitment is to be a positive influence in the lives of those we serve by ensuring that health care remains accessible and affordable for all.
Univera Healthcare President
Understanding Affordability
Negotiated Rates and the Cost of Care
Learn how we work with our provider partners to give you access to affordable, high-quality care.
In- vs. Out-of-Network Care
Understand the difference between in-network and out-of-network care and how it impacts your health costs.
Health Insurance Premiums
Learn how health insurance premiums are calculated and what factors influence the rising cost of care.
Breaking Down What’s Driving Costs
Costs are increasing in all areas of our lives, from the grocery store to the gas pump. Health care is no exception. Locally, the cost of care is rising due to:
Care Complexity
More high-cost surgeries, transplants, and treatments at hospitals and other outpatient settings
Historic Reimbursement Increases
Providers asking for double-digit rate increases that are many times higher than historical rates
More Expensive Prescription Drugs
Steep increases in prescription drug costs, especially specialty drugs that treat complex and chronic health conditions
How We Use Your Premium Dollars
As a nonprofit health plan, we spent 93 cents of every premium dollar collected in 2023 on health care for you, our members. The rest was spent on taxes and fees and operating expenses.
Here’s the full breakdown: hospitals and doctors (69 cents); prescription medications (14 cents); emergency room visits/professional services such as labs and ambulance services (6 cents); other medical costs (4 cents).
How We’re Making Health Care More Affordable
Every day we work to find new ways to improve your health and to make care as accessible and affordable as possible.
