FOR PEOPLE WHO

BRING IT ALL
EVERY DAY
All of us at UnitedHealth Group are
bound by more than our mission
and our culture. While we’re each
one of a kind, we share an incredible
enthusiasm for living. When it comes
time to recognize the hard work of
our employees, we’ve put together
programs and options that fully
address unique lifestyles and needs.
From fitness to financial planning, it’s
our way of saying thanks for doing
your life’s best work.
We offer competitive health and well-
being options and we significantly
contribute to the cost of benefits for
you and your family. So, no matter
where or when you begin a career
with UnitedHealth Group, you’ll find
a far-reaching choice of benefits that
can be tailored to your individual
needs. Most benefits are effective on
the first day of the month following
your hire date.
Read on and learn about the benefits
that are offered as part of our Total
Rewards.

Anthony S.
Utilization Nurse Management
2021
UnitedHealth Group
Total Rewards

Effective Jan. 1, 2021

Health & Well-being Benefits

Our mission is to help people live healthier lives and help the health All medical plans
care system work better for everyone. This includes you and your family.
UnitedHealth Group gives you the programs and resources that support you
cover in-network
in living a healthier life and managing health care costs. Generally, health preventive
and well-being benefits are available to employees who work at least 20 care at 100%
hours per week. You and the company contribute to the cost of coverage and you’ll pay
for you and your eligible dependents. For most benefits, you pay your share
of premiums on a pretax basis through convenient payroll deductions.
only a copay
for preventive
Medical Plans prescription
UnitedHealth Group offers three types of medical plans for you and your drugs.
family. Plan eligibility is based on your home ZIP code. The three types of
plans are:
• Physician-coordinated
• On-demand
• Consumer-directed
Additionally, if you enroll in an eligible medical plan you can participate
in Rewards for Health, our personalized well-being program that pays you
back when you Stride toward healthier. Earn up to $600 (or $1,200 when
your enrolled spouse or domestic partner participates) by completing
recommended health actions.

A Total Rewards plan that measures up to your life’s best work.SM

UnitedHealth Group 2021 Total Rewards

Physician-coordinated Medical Plans Review and compare

The physician-coordinated plans offer copays and lower deductibles.
medical plan costs:
You generally have to select a primary care physician, or PCP, who
coordinates your care and provides referrals to specialists. You have benefitspricing.com/uhg
access to a value-based, focused network of providers, hospitals and
other health care professionals who work together to provide you
coordinated, high-quality, cost-effective care. With these plans, there is
no out-of-network coverage, except in emergencies.

On-demand Medical Plans

With the on-demand Bind Plan, you can see any provider, though you
will save when you use the highest quality, in-network providers. In
addition, the Bind Plan offers price transparency and customizability
to fit your health care needs. There is no deductible, and before you
receive care, you can find out the total cost and also see options to
consider for more cost-effective care. You can also activate additional
coverage during the year for a number of procedures if your health care
needs change.

Consumer-directed Medical Plans

The consumer-directed HSA-eligible plans encourage you to take
direct responsibility for how you pay for and access care. With these
plans, you can see any provider, but you’ll save when you use a network
provider. If you choose an HSA-eligible plan there is a significant
financial incentive — driven by a higher deductible and HSA savings —
to use high-quality, cost-effective care.
The three HSA-eligible plans are identical in what’s covered or not
covered. But the premiums (how much you pay out of your paycheck),
the deductible (what you need to pay before the plan shares expenses)
and the out-of-pocket maximum (the most money you will pay for
medical expenses in a year) are different.

Health Care Advisor

Health Care Advisor is your go-to resource for personalized health
care support and guidance. You have access to benefits experts and
clinicians who can provide fast, reliable answers to all of your health
care questions. It’s available to you and your family if you enroll in an
eligible UnitedHealth Group medical plan. Contact Health Care Advisor
day or night, 365 days a year, by calling or text to chat. Select locations
have a Health Care Advisor on site.

A Total Rewards plan that measures up to your life’s best work.SM

UnitedHealth Group 2021 Total Rewards

Review and compare

dental & vision costs:
benefitspricing.com/uhg

Dental Plans
The two dental plan options, Basic and Comprehensive, allow you to see any dentist, but you’ll receive
a higher level of benefit when you see a network dentist. Both options cover preventive services, such
as cleanings, at 100%, even if you’ve hit your annual limit.
The Basic option provides coverage for basic services, including oral exams, cleanings, X-rays, fillings
and root canals. The Comprehensive option provides coverage for basic services, as well as major
services, such as crowns, inlays and dentures, and orthodontia services for eligible dependents, up
to age 19.

Vision Plans
The three vision plan options — Exam Only, Exam & Materials and Exam & Materials Plus — provide
access to the UnitedHealthcare Vision nationwide network of private practice optometrists and
ophthalmologists, as well as conveniently located retail stores. You also have access to Warby Parker’s
designer prescription eyewear online or at stores nationwide. With all three options, you can receive
care from any provider, but you will pay less when you see a UnitedHealthcare Vision network provider.
The Exam Only option covers a yearly eye exam for a copay. The Exam & Materials option provides
coverage for an annual eye exam and vision-related services and materials, including frames, lenses
and contact lenses (in lieu of glasses). The Exam & Materials Plus option includes certain other lenses
and lens coatings when you obtain them from a UnitedHealthcare Vision network provider.

A Total Rewards plan that measures up to your life’s best work.SM

UnitedHealth Group 2021 Total Rewards

Flexible Spending Accounts

Health Care Flexible Spending Account
The Health Care Flexible Spending Account (FSA) lets you set aside pretax Money goes
money from your paychecks to pay for eligible out-of-pocket health care into your FSA
expenses for you and your eligible dependents. You may enroll in the
Full-Purpose FSA or the Limited-Purpose FSA, depending on your medical
accounts tax-free
plan selection. and comes out
tax-free, as long
Family Care Flexible Spending Account
The Family Care Flexible Spending Account (FSA) lets you set aside pretax as you use it to
dollars from your paychecks to pay for eligible child care and elder care pay for eligible
expenses. Resources, discounts and support services for child and elder expenses.
care are also available.

Commuter Expense Reimbursement Account

The Commuter Expense Reimbursement Account lets you set aside
pretax money from your paychecks to pay for certain eligible commuter
expenses, including parking and public transportation.

Life Insurance and Accidental Death & Dismemberment

(AD&D) Coverage
Employee Basic Life Insurance and AD&D
If you work full time (35 or more hours per week), UnitedHealth Group
provides Basic Life Insurance with AD&D coverage equal to 2x your
Benefit Compensation up to a maximum of $2,000,000. You do not pay
a premium for this coverage; however, the value of the company-paid
premiums above $50,000 is considered imputed income and is taxable.
If you work part time (less than 35 hours per week), you receive a flat
coverage amount of $10,000.

Employee Supplemental Life Insurance and AD&D

If you work full time (35 or more hours per week), you may purchase from
1x to 5x your Benefit Compensation, up to $3,000,000 of combined
Basic and Employee Supplemental Life Insurance coverage. Evidence of
Insurability (EOI) may be required.

Spouse or Domestic Partner Life Insurance and AD&D

If you work full time (35 or more hours per week), you may purchase
coverage in increments of $10,000 up to a maximum of $250,000 for
your spouse or domestic partner. EOI may be required.

A Total Rewards plan that measures up to your life’s best work.SM

UnitedHealth Group 2021 Total Rewards

Child Life Insurance

You may buy coverage of $5,000 or $10,000 per eligible child up to age 26. Premiums are based on
your coverage amount, regardless of how many eligible children you cover.

Short-Term Disability Coverage

UnitedHealth Group automatically provides Basic Short-Term Disability (STD) coverage at no cost to
you. Basic STD coverage is equal to 60% of your pre-disability earnings.

Supplemental Short-Term Disability

You can purchase Supplemental STD coverage that provides an additional benefit equal to 20% of
your pre-disability earnings, increasing your total STD benefit to 80%.

Long-Term Disability Coverage

UnitedHealth Group pays the full cost of your Long-Term Disability (LTD) coverage. Your benefit, if
approved, is generally 60% of your pre-disability earnings. You can elect to have the premiums that
UnitedHealth Group pays for your LTD coverage treated as taxable income. If you make that election,
the benefits you receive under the LTD Plan will not be taxable income.

A Total Rewards plan that measures up to your life’s best work.SM

UnitedHealth Group 2021 Total Rewards

Well-being Programs and Services

Stride
At UnitedHealth Group, health and well-being is who we are. Our goal is UnitedHealth
to make it easier for all of us to pursue better health and use our expertise
Group offers
and resources, including the world’s biggest support system — ourselves
— to move toward healthier together. And we do it through Stride, our
a variety of
well-being movement. additional
We know healthy living isn’t one-size-fits-all. No matter what this journey benefits to help
looks like, Stride supports us every step of the way. For some of us, taking manage life’s
advantage of fitness opportunities helps us get up and move to better
daily stresses.
health. For others, healthy food resources are key to making good choices
when it comes to eating and losing weight. And for many of us, stressing
less might be the key on our journey to being healthy.
Through Stride, you’ll discover resources and support to help you on your
journey, including:
• On-site Well clinics, at select locations, provide you with coordinated,
accessible and personalized care
• On-site fitness resources, at select locations, such as fitness centers,
walking paths, group classes and bike racks
• Affordable, healthy food at work sites and access to recipes and expert
registered dieticians
• On demand help for stress, anxiety, and depression through Sanvello
• Health transformation coaching through Real Appeal, an evidence-
based weight loss program
• Many more programs and online tools to help you meet your health
goals

Employee Assistance Program

The Employee Assistance Program provides the support you need to live
your best life, including parenting resources, work/life concierge, back-up
child and elder care, college planning assistance, caregiving solutions,
legal and financial help, access to a money coach, five free in-person
counseling sessions, unlimited telephonic counseling, crisis assistance,
substance abuse resources and much more.

A Total Rewards plan that measures up to your life’s best work.SM

UnitedHealth Group 2021 Total Rewards

Voluntary Benefits
Critical Illness Insurance
Critical Illness Insurance provides financial support if you are diagnosed Additional
with certain critical illnesses. You may buy coverage for yourself and
benefits to help
eligible dependents. If you or a covered dependent is diagnosed with
a critical illness, you will receive a lump-sum amount to help you pay support you
for out-of-pocket medical expenses and daily living expenses such as through the
groceries, rent or mortgage, and child care. unexpected.

Accident Insurance
Accident Insurance provides additional financial support if you are injured
due to an accident. You may buy coverage for yourself and eligible
dependents. The coverage pays fixed benefit amounts based on covered
expenses for treatments resulting from an accident.

Group Legal Insurance

Group Legal Insurance is available for you to elect. It offers resources to
help you prevent and resolve everyday legal and financial issues.

A Total Rewards plan that measures up to your life’s best work.SM

UnitedHealth Group 2021 Total Rewards

Financial Fitness Benefits

401(k) Savings Plan
The UnitedHealth Group 401(k) Savings Plan is an essential part of your Financial
retirement and savings benefits and a smart way to strengthen your
benefits that
financial fitness. You are automatically enrolled at a 3% pretax contribution
rate. You can increase your rate, decrease your rate or opt out of the plan at go well beyond
any time. traditional
Choose from either the pretax and/or Roth after-tax options. If you do programs to help
not make an investment election, all contributions will be invested in the you invest in your
plan’s qualified default investment alternative (QDIA) until you change your
future and save
investment election. You are always 100% vested in your contributions.
money today.
After completing one year of service, you are eligible to receive company
matching contributions to help your retirement savings grow faster. The
maximum employer match is 4.5% of your eligible pay if you contribute at
least 6% of your eligible pay each pay period. You become 100% vested in
company matching contributions after completing two years of service.

Employee Stock Purchase Plan

The UnitedHealth Group Employee Stock Purchase Plan (ESPP) is a great
way to help you achieve your financial goals today and in the future, and
a convenient way to participate in company ownership. Through the
ESPP, you can purchase shares of UnitedHealth Group common stock
at a 10% discount using after-tax payroll deductions. Making after-tax
deductions each pay period is a simple way to set aside money to invest
in your future. Before deciding to enroll, consider the risks associated with
investing in company stock.

UnitedHealth Group Credit Union

The UnitedHealth Group Credit Union offers affordable banking services
and helps you save for the future. Some benefits of banking with the
UnitedHealth Group Credit Union include:
• Enhanced Direct Deposit (receive your paycheck up to two days early)
• Low loan rates
• High interest rate checking and savings accounts
• Mobile banking capabilities
• On-site branches, banking services and ATMs at select locations

A Total Rewards plan that measures up to your life’s best work.SM

UnitedHealth Group 2021 Total Rewards

Employee Discounts
UnitedHealth Group takes a genuine interest in our employees’ financial well-being, and seeks to
provide offerings that support you in all aspects of your life – at work, home and everywhere in
between. As a UnitedHealth Group employee, you can take advantage of many discounts on services
and products, including pet insurance, hearing aids, external fitness centers and nutrition companies.

Competitive Compensation Opportunities

Base Pay
Your initial base pay at UnitedHealth Group reflects the market and what you bring to the job. However,
this is not the only component of your direct compensation package. You are also eligible for other
performance-based compensation opportunities, including base salary increases and incentives.

Rewarding Results
All employees are eligible for an incentive plan. The most widely used plan is the Rewarding Results Plan.
This plan is one way we recognize your contributions. Incentive awards through Rewarding Results are
based on your contribution and the performance — financial and non-financial — of each business unit.

A Total Rewards plan that measures up to your life’s best work.SM

UnitedHealth Group 2021 Total Rewards

Bravo! Recognition Program

Bravo! is the UnitedHealth Group global recognition program that gives you an opportunity to recognize
others and be recognized for demonstrating our values — integrity, compassion, relationships,
innovation and performance — and collaboration and leadership in the work we do every day.

Work & Life Benefits

Paid Time Off
Under the UnitedHealth Group Paid Time Off (PTO) program, you accrue a set number of PTO days to
use when you’re away from your job for personal, sick or vacation time. You accumulate PTO grants
each pay period. PTO is offered to employees working 20 or more hours per week. The chart below
reflects the 2021 PTO annual grant schedule for employees working 40 hours a week. If you work less
than 40 hours a week, your PTO grants are prorated based on your standard workweek.

2021 PTO Annual Grant Schedule

Years of Service Less than 5 5 to 9 10+
Grades 20-24, 84, SBA 18 days 23 days 28 days
Grades 25-32, 85-92, SBI, SBL, SSL, M1-M4 23 days 28 days 28 days

Holidays
Each year, UnitedHealth Group recognizes eight company holidays. Eligibility varies according to
when you begin working at UnitedHealth Group.

Paid Parental Leave

Paid Parental Leave provides an additional four consecutive weeks of paid time off to new parents to
use within the first six months upon the birth of a child or placement of a child for adoption or foster
care. The time off can be used in a variety of ways: to follow an approved STD claim, supplement an
approved STD claim, as continuous (full time) leave or for a reduced work schedule for eight weeks.

Tuition Reimbursement
If you work at least 20 hours per week, you can qualify for up to $5,250 per calendar year for job-
related coursework in accredited programs.

Adoption Assistance Plan

You can be reimbursed up to $10,000 if you work full time and $5,000 if you work part time for
eligible expenses for each adopted child.

This brochure provides a general description of the benefit plans provided by UnitedHealth Group. If there is any discrepancy with the official plan documents,
the plan documents will control.
Last updated Dec. 2020.

A Total Rewards plan that measures up to your life’s best work.SM