Seguro de salud para empleadores

Companies that offer more comprehensive women’s health benefits may be able to better manage the costs associated with that utilization, as well as experience higher productivity, less absenteeism, better employee retention and an overall healthier group population.³ Compared to men’s health care utilization, women experience:²

• 94% more inpatient admissions per 1,000
• 36% more urgent care and ER visits per 1,000
• 27% more outpatient surgeries per 1,000

Employers may want to consider how the right mix of benefits, resources and support can help their employees find quality care, manage their health costs and deliver more equitable health outcomes across their continuum of care.

* "Women's health" is a broader term used to describe conditions, services or supportive programs and resources, not to describe those we support. UnitedHealthcare provides supportive resources for all eligible individuals, regardless of gender identity.

There’s no one-size-fits-all women’s health journey, and women’s health needs evolve significantly as they age. That’s why it’s critical that employees have access to benefits and support for their changing health needs, from family planning through menopause.  

To help employers do this, UnitedHealthcare continues to enhance its benefits — through internal and external collaboration with others across the industry — to deliver the right products, solutions and experiences that meet the needs of women and their families, and ultimately reduce health disparities.

Supporting adolescents and young women means ensuring their parents and caregivers have access to health benefits and resources for their children and dependents.

As children transition into adolescents, their health needs evolve, too. Puberty kick-starts physical, hormonal and emotional changes — and those transitions may require extra support. For instance, teen girls are faring worse than boys when it comes to mental health.⁵

According to research, 3 out of 5 teen girls surveyed said they felt persistently sad or hopeless in 2021—double that of boys.⁵ Unaddressed mental health issues can also lead to risky substance use behaviors, which may have ripple effects for their health later on.⁶

Whether employees’ dependents are experiencing new behavioral health or sexual health challenges, it’s critical that employers offer:

• Resources to help parents coordinate care
• Birth control resources
• Sexual health management, including sexually transmitted infection (STI) testing, treatment and resources
• Education on key health topics
• Resources to find and price care
• Behavioral health and substance use support services
• Preventive care
• Gender dysphoria support

It’s also important that parents and caregivers have the flexibility to care for their dependent children when health needs arise.

As adolescents transition into adulthood and join the workforce, they often start receiving benefits through their job rather than through their parents’ employers. Yet many of the same health concerns persist.

For instance, certain health issues, such as chronic conditions which can have adverse conditions on pregnancy,⁷ are more common among women compared to men,⁸ which is why preventive care is important to help more proactively identify and manage those conditions:

Network strategies that encourage the use of primary care providers (PCPs) can be helpful in checking and monitoring a woman’s risk for complex and chronic conditions as well as ongoing condition management. They can provide access to birth control resources, as well as STI testing, treatment and resources. PCPs can also be helpful in managing costs.

“Members that have a primary care physician tend to have a lower total cost of care,” says Stephanie Alberti, vice president of commercial medical products for UnitedHealthcare Employer & Individual. “And our research demonstrates that those members tend to have a better experience because they’re able to navigate our very complex health care system a little bit easier.”

Some women, particularly in younger generations, may seek the convenience of virtual appointments to address health issues that arise whether they’re at home or work. This is one way employers can help their employees get the care they need while juggling their busy lives, which is critical considering work-life balance is important to many women. In fact, “lack of flexibility around when I work” and “the role didn’t offer a positive work-life balance” were among the top 2 reasons women in a 2023 survey gave for leaving their jobs.⁹

Digital solutions, such as virtual health clinics, offer convenient options for follow-up visits, medication adjustments or reviews for lab and screening results.

Maven® is another digital solution designed to meet employees where they are with maternal health support resources including access to 24/7 virtual specialists across more than 30 specialties.

The family building journey looks different for every person and includes many variables.

Employers can play a role in supporting family formation by ensuring that the employees in their workforce have access to quality care. That means offering a network consisting of quality providers, including OB/GYNs to provide prenatal care and specialists to treat women experiencing high-risk pregnancies, which may include conditions like gestational diabetes.

It also means offering infertility support, especially since:

• 1 in 5 couples have difficulty getting pregnant after a year of trying¹⁰ and
• 1 in 4 pregnancies end in miscarriage¹¹

UnitedHealthcare offers infertility support built to connect employees to specialists for early-stage and advanced-stage treatments, with the goal of quality outcomes, lower costs and faster time to pregnancy and delivery.

“Navigating infertility can be extremely challenging,” Saul says. “At UnitedHealthcare, we’re working to meet employees where they are with tools and resources like online courses, search capabilities and self-scheduled meetings with nurses.”

Women on their pregnancy journey may create a birth plan for their labor and delivery preferences, starting with site of care. Employers can support their employees by offering coverage for a variety of preferences.

Although vaginal delivery is more common, about 30% of births are Caesarean Section (C-Section) deliveries.¹² C-Sections can be the safest options in certain situations, but they do have cost implications for both employers and employees. For instance, the cost of birth by C-Section is $11,512 on average more than the cost of birth by vaginal delivery.¹⁴

The unknowns around costs can contribute to the anxiety a woman may feel around giving birth. Health plans like Surest®  can help ease some of the anxiety over the cost of birth and delivery because members can check and compare costs in advance. With this visibility, members can make more informed decisions.

Post-birth, other needs may arise. For instance, 1 in 7 mothers may experience postpartum depression.¹³ So, having behavioral health care options — or better yet, having an advocate directly connect the member to behavioral health care support through a health plan that integrates medical and behavioral benefits — may result in better outcomes and lower costs.

When an employee’s parental leave ends and they return to work, they will begin juggling both work and family responsibilities.

As women stay in the workforce longer, their needs may evolve, especially as they begin to experience and navigate menopause. In fact, recent research showed that about 1 in 3 women surveyed reported moderate or severe difficulties managing menopause symptoms at work, which may include hot flashes, mood changes, difficulty sleeping and more.¹⁵

Since more than half of all women in the U.S. are employed,¹⁶ it’s important that they feel supported by their employer and that their health and well-being needs are being met through their benefits.

What does that look like? It may include providing access to behavioral health support and virtual coaching designed to help them navigate the changes they are experiencing. It may also include education on key topics, access to health and wellness programs, and potentially medications to help alleviate menopause-related symptoms.

A woman’s health extends beyond the boundaries of one’s reproductive years — from puberty to post-menopause. Employees may need help finding the right care for adolescent children experiencing puberty, while others may need help navigating care related to perimenopause, menopause and post-menopause symptoms.

Employers who support women’s health can be a part of the solution of closing gaps in care for women — and along the way, they may see improved health outcomes within their workforces, in addition to higher productivity and employee retention.³ In fact, more than half of the gaps in care experienced by women occur during their working years and account for about 80% of the estimated $1T economic impact at stake.¹⁷