A UnitedHealthcare Company - IDOI-Regulated NetworkSurest (by UnitedHealthcare) Indiana Group Health Insurance 2026
A copay-only health plan from UnitedHealthcare with no deductible and no coinsurance - members see the price before they get care. Surest fits Indiana employers whose staff avoid care because of high deductibles.
Surest Indiana Group Plan Options
Surest is a plan design rather than a shelf of products - the difference is how members experience cost.
| Product | Type | Min Group | Key Feature |
|---|---|---|---|
| Surest | Copay PPO | 51 | No deductible, upfront copays |
| Surest Flex | Copay + activation | 51 | Members turn on optional treatments |
| Self-Funded Surest | Self-Funded | 100+ | Surest design on a self-funded chassis |
Indiana Intel Most Brokers Don't Share
1. No deductible changes behavior
Employees who delay care under high-deductible plans tend to use primary and preventive care more when the deductible disappears - useful for Indiana employers with a care-avoidant workforce.
2. Price transparency before care
Members see the copay for a provider or treatment before they commit, which cuts the surprise-bill complaints that land on HR.
3. Runs on the UnitedHealthcare network
Surest uses UHC Choice Plus network access in Indiana, so the provider footprint matches UnitedHealthcare.
4. Small-group availability is expanding
Surest historically required 51+ employees and is moving down-market. We confirm Indiana eligibility by your group size before quoting.
5. Indiana laws still apply
As a UnitedHealthcare product, Surest fully insured plans follow Indiana clean-claim (IC 27-8-5.7) and step-therapy (IC 27-8-5-30) rules.
6. Not an HSA plan
Because Surest has no deductible, it is not an HSA-qualified high-deductible plan. Pair an FSA instead if pre-tax savings matter to your employees.
How Surest Fits an Indiana Benefits Strategy
Surest simplifies the member experience - here is how it slots into a full Indiana benefits package.
No deductible, so no HSA
Surest is copay-based and not HSA-qualified. An FSA is the pre-tax pairing that fits.
Layer dental, vision, life
Build a complete package around Surest with ancillary lines for a competitive Indiana offer.
Self-funded Surest
Larger Indiana groups can run the Surest design on a self-funded chassis for more control.
Surest: Strengths and Limitations for Indiana Employers
✓ Strengths
- No deductible and no coinsurance
- Price transparency before care
- UnitedHealthcare Choice Plus network
- Simple, modern member experience
✗ Limitations
- Not HSA-compatible
- Historically limited to 51+ employees
- Copays can be higher on elective services
- Newer design unfamiliar to some employees
Illustrative Example
110-employee healthcare services company, South Bend, Indiana
Healthcare services · 110 employees · Moved to the Surest by UnitedHealthcare in 2024
“Our old plan generated more benefits questions than anything else in HR. With Surest, employees see the price before they walk in, and the surprise-bill complaints just stopped.”
Why it worked: Surest's no-deductible, upfront-pricing design is built for employers over the 51-employee minimum who are tired of fielding claims and billing complaints.
Get Surest Group Quotes for Indiana Employers
See whether your Indiana group qualifies for Surest - and how a deductible-free plan compares to your current renewal.
Request a Group QuoteCall 855.847.7020