![Oct 5, 2023 · [3] Surest 2022 book of business results. 22_V04, 133_V03, 163_V02. [4] Surest 2022 book of business plan sponsors with both medical and pharmacy data within our warehouse; industry 2022 commercial benchmarks and risk adjustment methodology. Risk adjusted for demographics, geography, and disease burden. 168_V01, 66_V03, 169_V01, 71_V03, 67_V03.. . Translate in pashto language](/img/512x512/1127721469584.webp)
In addition, you can choose to contribute to your HSA, up to the IRS annual limit of $3,850 for Employee Only coverage or $7,750 for Employee + Other(s) coverage in 2023 (Eaton’s contributions apply to the limit). If you are age 55 or older, you can make an additional catch-up contribution of $1,000. G. Pharmacy benefits provider and information. Additional details: Each household receives high-grade plastic cards, shipped USPS Priority, 3-5 business day delivery. Additional physical cards are available upon request through Surest Member Services. Digital cards are live on the Surest app and website from the effective date through the plan ... UnitedHealthcare’s Surest offers a new approach to health benefits that removes deductibles and provides clear upfront pricing information to people in advance of …Surest is a UnitedHealthcare company that administers a health plan without a deductible or coinsurance. Members have access to the nationwide UnitedHealthcare and Optum® Behavioral Health networks and can check costs and care options in advance. A small number of members have the Surest Flex plan, which includes the feature of flexible ...Benefits.Surest.com website or call Surest Member Services at 1-866-683-6440. For general definitions of common terms, such as allowed amount, balance billing, coinsurance, copayment, deductible, provider, or other underlined terms, see the Glossary. You can view the Glossary at https://healthcare.gov/sbc-Key features. All of our medical plans provide: Comprehensive, affordable coverage. for a wide range of health care services. Free in-network preventive care. with services such as annual physicals, recommended immunizations, and routine screenings all 100% covered. Prescription drug coverage. provided by MedImpact. To obtain a breast pump covered by the Surest plan: Ask your doctor for a breast pump prescription. Find an in-network, licensed durable medical equipment (DME) supplier. Here are a few national suppliers: Aeroflow Breast pumps 844-867-9890. Pumping Essentials 866-688-4203. The Breastfeeding Shop 866-255-6779. Please note: these MRFs are not the member-friendly consumer price transparency tool that is scheduled to become available in 2023 and 2024. Please contact Surest at Benefits.Surest.com or 1-866-683-6440 with questions about your medical plan coverage if you are enrolled in the Enhanced-Surest or Standard-Surest option.Surest, a UnitedHealthcare company, is an employer-sponsored health plan available to employers with 51+ employees. ... Provide an attractive health benefit to employees without cost shifting. Learn more. For brokers. Transform your clients’ business with the Surest health plan before someone else does.Jan 1, 2023 · Effective Jan. 1, 2023, Nokia employees are covered by plans provided by Surest™ plan, which is part of the UnitedHealthcare Choice Plus network. You don’t need separate credentialing for Surest plans if you participate in other UnitedHealthcare commercial plans. Please help ensure that staff are familiar with the Surest plan member ID card ... Fully insured Surest member ID card. A. Group identification number B. Subscriber name and covered dependents C. Member help information D. Claims submission information and address E. Applicable provider network F. Pharmacy benefits provider and information Additional details: Each household receives high-grade plastic cards, shipped USPS …Phone: 800-808-4424, ext. 15227. Fax: 888-615-6584. Remember to provide all supporting materials in your appeal, including member-specific treatment plans and clinical records. Surest, a UnitedHealthcare company, administers a health plan without a deductible or coinsurance. Members have access to the Optum and UnitedHealthcare network and can ...The Surest plan is a 100% pass-through rebate model. We provide pharmacy benefit administration services for a flat fee. Rather than maximizing the “spread” between the acquisition cost of the drug and the amount employers pay via the claim, Surest determines the copay the member pays based on actual net cost of rebates, net of discounts.Page 1 of 8 Summary of Benefits and Coverage: What this Plan Covers & What You Pay for Covered Services Coverage Period: 09/01/2022 – 08/31/2023 Cache County School District: Surest Medical Plan - Dual Option Coverage for: Individual and Family | Plan Type: PPO The Summary of Benefits and Coverage (SBC) document will help you choose a …UnitedHealthcare is now offering the Surest plan to employers. With self-funded health plans nationwide, as well as to employers in 19 states with fully insured …The Surest plan delivered what the company expected. In 2019, 81% of Medtronic members on the Surest plan paid less than $500 out-of-pocket. That contributed to an average out-of-pocket less than one-third of the national average for members with employer-sponsored health plans ($324 vs. $943). Because plan members could see …Welcome to Surest - benefits.surest.comSurest members show improved satisfaction; plans offer up to 15% lower health care costs for employers and reduced member out-of-pocket expenses by up to …Other important benefits – ABM offers an array of choices for Disability and Life Insurance, Pre-Tax Commuter and Parking Benefits, Legal Services, Identity Theft Protection, Discounted Gym ...Welcome to Surest - benefits.surest.com You may submit claims to Surest (365-day timely filing) electronically at Surest payer ID 25463 or by mail to: PO Box 211758, Eagan, MN 55121 After a claim has been submitted, quickly check claims status on UHCprovider.com or call 844-368-6661 to speak with a specially trained Surest Provider Services representative. Aug 11, 2022 · Surest™, formerly Bind, offers a new approach to health benefits that eliminates deductibles and offers access to clear, upfront pricing information before people access care. Surest members show improved satisfaction; plans offer up to 15% lower health care costs for employers and reduced member out-of-pocket expenses by up to 44%1. Ready to learn more about Surest health plans? Contact us today to see how the Surest plan works to benefit your organization and its employees.COVID-19 vaccines: COVID-19 vaccine and booster serum and administration is a $0 copay when in network. For out-of-network care, you’ll need to pay the out-of-network preventive copay listed in the Surest app or Benefits.Surest.com. Over-the-Counter (OTC) tests: No coverage for medical or pharmacy OTC COVID-19 tests unless mandated by state ...UnitedHealthcare is now offering the Surest plan to employers. With self-funded health plans nationwide, as well as to employers in 19 states with fully insured … Surest is an ACA-compliant health plan for employers with 51+ employees. It’s offered through employers in 49 states, excluding Hawaii. How does this work with other health insurance? If you have other insurance, call us at 866-683-6440 M-F from 6 am to 9 pm CT to discuss how the plan works with that coverage. Discover your new favorite way to stay healthy. Get access to gyms, studios, online workouts, and grocery delivery with one monthly membership. Get started.Savings for you and your employees. Surest can help members choose more efficient treatments and providers, as well as keep up on preventive screenings and exams. The …With the Surest health plan, prices for doctors and health services are available on the app, so you can compare options. See where you might be able to save …Explore this self-paced guide for everything him needs toward knows about functioning with Surest benefit plans. Actions them can bear in the portal Signal in to this UnitedHealthcare Provider Web to get your, submit prior authorization, verify eligibility, check variable pricing and …The Surest health plan is designed to be easy to use and easy to understand. We help you shop for care like you do for everything else. Check out the benefits for individuals and families. The Surest plan gives you control through more options, more opportunities to save and an experience designed to be easy to use and understand.6%. fewer emergency department visits1. UnitedHealthcare offers Surest plans to employers nationwide with self-funded health plans, as well as fully insured plans to employers with 51 or more employees in 11 states. By the end of 2022, Surest plans may be available to employers with fully insured medical benefits in up to five additional states. Surest Health PPO 833-576-6519 benefits.surest.com Hawaii Medical Services Association (HMSA) 800-776-4672 Medicare Eligible Participants The Lumen Retire and Inactive Health Plan requires coordination with Medicare Part B. Therefore, anyone (you or your dependents) who is eligible for Medicare Surest | 14,892 followers on LinkedIn. Surest is giving people power over their health experience. | Surest, a UnitedHealthcare company, is dedicated to redesigning health insurance, offering a ...The Surest blog. Limit. 200. Listen For Filter Changes. true. Include Images. true. Explore our Healthwise library. Relevant health information and tools from conditions to life stages and more at healthwisepreview.net. Explore now. Style.Surest PO Box 211758 Eagan, MN 55121 1-888-720-7614 Check your costs and coverage online. You can access and manage your Surest coverage and account details Call, chat or email from the on the Surest app or website. With your Surest plan, it’s all online. Questions? Surest app or website. call: 1-866-683-6440 web: Benefits.Surest.com Benefits Handbook Surest Copay Plan Benefits Handbook Date April 1, 2024 3 Plan feature Surest Copay Plan Contact Information for Third Party Administrator: Contact for Medical Service: Surest (Claims Administrator) P.O. Box 211758 Eagan, MN 55121 Phone: +1 866 683 6440 Website: Benefits.Surest.com Group #: 78800361 The struggle for company health benefits leaders is real. Inflation and higher post-pandemic health care utilization are contributing to the biggest projected increase in global medical costs in nearly 15 years. 1 This double whammy has benefits managers grappling with containing costs and keeping benefits affordable for employees. Global average cost …Cut costs, not benefits, and deliver more value to employees A plan designed to help members save based on choice, clarity, experience 1. Surest self-funded 2021 book of business plan sponsors with at least 12 months of incurred experience in 2021 and both medical and pharmacy data within our warehouse; compared to matched comparison …WOODBRIDGE, N.J., Dec. 14, 2022 /PRNewswire/ — Triton Benefits & HR Solutions, a national employee benefits broker and HR consulting firm, is proud to announce its offering of Surest, a revolutionary new ACA-compliant health insurance option. Surest is designed to offer employers an intuitive group health benefit plan without shifting costs to …Welcome to Surest - benefits.surest.comthe Surest mobile app or Benefits.Surest.com website. Page 3 of 8 . If you have . a test : Diagnostic test (e.g., x-ray, blood work) Routine diagnostic test: No charge . Non-routine . diagnostic test: $40 - $1,150 copayment/visit . Routine diagnostic test: No charge . Non-routine . diagnostic test: $750 - $3,450 copayment/visit Contact Surest Member Services in the app, or call 866-683-6440. Is your employer offering the Surest plan? Test-drive the site to see your costs and coverage. You’ll need your employer access code to login. Surest members also paid 54% less out-of-pocket compared to members in traditional plans and saved an average of 11% per member per month. Savings were up to 15% for employers, according to the study.Last modified: April 5, 2024 Update: Content updated with specific service area information. Beginning April 1, 2024, we’re updating the out-of-network service area for Surest™ benefit plans with out-of-network (OON) benefits. For out-of-network services that are non-emergent, sub-acute inpatient and outpatient, the updated service area will …UnitedHealthcare’s Surest™ offers a reimaged approach to health benefits, providing members with a plan that helps improve engagement, spur more preventive exams and reduce the total cost of ...Benefits.Surest.com website or call Surest Member Services at 1-866-683-6440. For general definitions of common terms, such as allowed amount, balance billing, coinsurance, copayment, deductible, provider, or other underlined terms, see the Glossary. You can view the Glossary at https://healthcare.gov/sbc- Summary of Benefits and Coverage: What this Plan Covers & What You Pay for Covered Services Coverage Period: 01/01/2023 – 12/31/2023 Nokia of America Corporation: Standard - Surest Coverage for: Individual and Family | Plan Type: PPO The Summary of Benefits and Coverage (SBC) document will help you choose a health plan. With the Surest health plan, prices for doctors and health services are available on the app, so you can compare options. See where you might be able to save money by selecting a different provider or service location, then decide what’s right for you and your budget. You can also see current claims info in the app, and easily access your ...Dmk5657. ADMIN MOD. My experience/review with Surest (Bind) Health Insurance. Plan Choice Suggestions. For those unaware Surest (previously Bind) is a fairly new PPO subset of UHC that has the pitch of no deductibles, variable co-pays by doctor, & similar pricing to HDHPs. On paper it looks suspiciously too good to be true.Join.Surest.com, Surest mobile app, Benefits.Surest.com website or call Surest Member Services at 1-866-683-6440. For general definitions of common terms, such as allowed amount, balance billing, coinsurance, copayment, deductible, provider, or other underlined terms, see the Glossary. You can view theSummary of Benefits and Coverage: What this Plan Covers & What You Pay for Covered Services Coverage Period: 01/01/2023 – 12/31/2023 Nokia of America Corporation: Standard - Surest Coverage for: Individual and Family | Plan Type: PPO The Summary of Benefits and Coverage (SBC) document will help you choose a health plan. G. Pharmacy benefits provider and information. Additional details: Each household receives high-grade plastic cards, shipped USPS Priority, 3-5 business day delivery. Additional physical cards are available upon request through Surest Member Services. Digital cards are live on the Surest app and website from the effective date through the plan ... UnitedHealthcare’s Surest offers a new approach to health benefits that removes deductibles and provides clear upfront pricing information to people in advance of treatment. As a result, Surest members report improved satisfaction, employers enjoy lower health care costs, and consumers benefit from lower out-of-pocket expenses.1. With the Surest health plan, prices for doctors and health services are available on the app, so you can compare options. See where you might be able to save money by selecting a different provider or service location, then decide what’s right for you and your budget. You can also see current claims info in the app, and easily access your ... The Benefits Handbook on this site describes the Benefits Program available to eligible US employees of Marsh & McLennan Companies (the Company) and its participating subsidiaries and affiliates. "The Company" as used throughout this Benefits Handbook usually include participating employers and usually do not include affiliated employers … know the Surest plan? Give your doctor’s office this information: Insurance overage or ully insured plans is provided y ll Savers nsurance ompany for L A H and or y UnitedHealthcare nsurance ompany for Z I N O K A S and N) hese policies have exclusions limitations, Benefits.Surest.com . Mobile App . Access — from your smartphone - to what is covered, how much it costs, and where you can get care. Once enrolled: Surest mobile app . Phone Numbers . Who to contact to help answer any questions. Surest Plan Questions: Surest Member Services Team . 1-866-683-6440 . Monday – Friday. 6:00 am to 9:00 pm Central Summary of Benefits and Coverage: What this Plan Covers & What You Pay for Covered Services. Coverage Period: 01/01/2023 – 12/31/2023. Nokia of America Corporation : Standard - Surest Coverage for: Individual and Family | Plan Type: PPO The Summary of Benefits and Coverage (SBC) document will help you choose a health plan. The struggle for company health benefits leaders is real. Inflation and higher post-pandemic health care utilization are contributing to the biggest projected increase in global medical costs in nearly 15 years. 1 This double whammy has benefits managers grappling with containing costs and keeping benefits affordable for employees. Global average cost … UnitedHealthcare’s Surest offers a new approach to health benefits that removes deductibles and provides clear upfront pricing information to people in advance of treatment. As a result, Surest members report improved satisfaction, employers enjoy lower health care costs, and consumers benefit from lower out-of-pocket expenses.1. surest.com. Industry. Insurance. Company size. 201-500 employees. Headquarters. Minneapolis, MN. Type. Privately Held. Founded. 2016. Specialties. Self-insured … Surest is a UnitedHealthcare company that administers a health plan without a deductible or coinsurance. Members have access to the nationwide UnitedHealthcare and Optum® Behavioral Health networks and can check costs and care options in advance. A small number of members have the Surest Flex plan, which includes the feature of flexible ... Fill out the form below and a member of our provider services team will get back with you. Form ID. 1342. Style. highlight-grey, align center. The Surest Provider Guide, group numbers, and other resources aim to make it easier …With the self-funded health plan solution, Surest has the ability to: Design plan benefits. Operate the plan. Issue member ID cards. Handle day-to-day administrative tasks. Provide customer service through the Member Services. Approve and pay employees' medical claims as they arrive from the doctor, hospital or pharmacy.With the self-funded health plan solution, Surest has the ability to: Design plan benefits. Operate the plan. Issue member ID cards. Handle day-to-day administrative tasks. Provide customer service through the Member Services. Approve and pay employees' medical claims as they arrive from the doctor, hospital or pharmacy.Welcome to Surest - benefits.surest.comEffective Jan. 1, 2023, Nokia employees are covered by plans provided by Surest™ plan, which is part of the UnitedHealthcare Choice Plus network. You don’t need separate credentialing for Surest plans if you participate in other UnitedHealthcare commercial plans. Please help ensure that staff are familiar with the Surest plan member ID card ...2023 OptumCare Benefits Short- and Long-Term Disability You automatically receive company-paid Short-Term Disability coverage equal to 60% of your Benefit Compensation. Benefits generally begin after seven calendar days (five consecutive business days) for an approved disability and continue for up to 180 calendar days. You also automaticallyWelcome to Surest - benefits.surest.com Help your clients reach their benefit goals with the Surest health plan. 1 Combination of modeled and actual results across Surest prospects and clients; independently developed benchmark based on a database containing health care claims from 80 million U.S. lives risk-adjusted for demographics, geography, and disease burden. 13_V02. Effective Jan. 1, 2023, Nokia employees are covered by plans provided by Surest™ plan, which is part of the UnitedHealthcare Choice Plus network. You don’t need separate credentialing for Surest plans if you participate in other UnitedHealthcare commercial plans. Please help ensure that staff are familiar with the Surest plan member ID card ...Oct 6, 2023 · Surest members also paid 54% less out-of-pocket compared to members in traditional plans and saved an average of 11% per member per month. Savings were up to 15% for employers, according to the study. Mental health: member guide. Mental health: member guide. Mental health includes our psychological, emotional and social well-being. It reflects how we feel, think, act and relate to others. This is important at every stage of life. Use this resource to better understand your mental health benefits on the Surest plan.the Surest mobile app or Benefits.Surest.com website. Page 3 of 8 . If you have . a test : Diagnostic test (e.g., x-ray, blood work) Routine diagnostic test: No charge . Non-routine . diagnostic test: $40 - $1,150 copayment/visit . Routine diagnostic test: No charge . Non-routine . diagnostic test: $750 - $3,450 copayment/visitthe Surest mobile app or Benefits.Surest.com website. Page 3 of 8 . If you have . a test : Diagnostic test (e.g., x-ray, blood work) Routine diagnostic test: No charge . Non-routine . diagnostic test: $40 - $1,150 copayment/visit . Routine diagnostic test: No charge . Non-routine . diagnostic test: $750 - $3,450 copayment/visit Benefits Handbook Surest Copay Plan Benefits Handbook Date April 1, 2024 3 Plan feature Surest Copay Plan Contact Information for Third Party Administrator: Contact for Medical Service: Surest (Claims Administrator) P.O. Box 211758 Eagan, MN 55121 Phone: +1 866 683 6440 Website: Benefits.Surest.com Group #: 78800361 Surest is a UnitedHealthcare company that administers a health plan without a deductible or coinsurance. Members have access to the nationwide UnitedHealthcare and Optum® Behavioral Health networks and can check costs and care options in advance. A small number of members have the Surest Flex plan, which includes the feature of flexible ...Call the Surest Provider Line at 844-368-6661. You can also email [email protected] for general questions. UnitedHealthcare Provider Portal support. Help for portal login, access and functionality questions is available 7 a.m.–7 p.m. CT, Monday – Friday via chat. Sign in open_in_new with your One Healthcare ID to chat with …Dmk5657. ADMIN MOD. My experience/review with Surest (Bind) Health Insurance. Plan Choice Suggestions. For those unaware Surest (previously Bind) is a fairly new PPO subset of UHC that has the pitch of no deductibles, variable co-pays by doctor, & similar pricing to HDHPs. On paper it looks suspiciously too good to be true.Target offers our eligible team members comprehensive health benefits and programs, which may include medical, vision, dental and more, to help them and their families take care of their whole selves. Plus, all of our U.S.-based team members get access to 24/7 virtual health care visits and access to a free fitness and well-being platform.The point of Surest is to drive you to the most cost effective providers. You can choose to go to anyone in network, but some providers and/or hospital systems are going to cost you a higher copay. My husband hit our $5,000 OOPM with tests, imaging, surgery, and a night in the hospital. With Surest, the same doctor, hospital, and labs would ...
Surest members also paid 54% less out-of-pocket compared to members in traditional plans and saved an average of 11% per member per month. Savings were up to 15% for employers, according to the study.. Juwa log in
The Surest clinical team can help you: Understand important decisions about your treatments; Identify quality in-network doctors and facilities; Share your preferences for care by communicating with the doctors and other specialists on your care team; Navigate your Surest benefits and understand costs for servicesSurest™, formerly Bind, offers a new approach to health benefits that eliminates deductibles and offers access to clear, upfront pricing information before people access care. Surest members show improved satisfaction; plans offer up to 15% lower health care costs for employers and reduced member out-of-pocket expenses by up to … You may submit claims to Surest (365-day timely filing) electronically at Surest payer ID 25463 or by mail to: PO Box 211758, Eagan, MN 55121 After a claim has been submitted, quickly check claims status on UHCprovider.com or call 844-368-6661 to speak with a specially trained Surest Provider Services representative. Reformed Benefits Association was originally created by two denominations to provide insurance benefits for churches, pastors, staff and similar ministries. Our team is second to none in assuring peace of mind to our members. We are experts in our field, committed to delivering the highest level of benefits care with attentiveness, warmth and ...The Surest health plan is designed to be easy to use and easy to understand. We help you shop for care like you do for everything else. Check out the benefits for individuals and families. The Surest plan gives you control through more options, more opportunities to save and an experience designed to be easy to use and understand.Ensure get practice is ready to accept Surest health create members. Resources for providers include eligibility details, how to submit claims, and better. ... you automatically participate in our Surest™ benefit plans. Surest remains a UnitedHealthcare company that administers a general plan without a undoubtable or coinsurance. Members have ...make your benefit elections. Below are important program updates and enhancements effective January 1st, 2024: + Surest Medical Plan: We are adding an additional medical plan – one that is less traditional in the way it works. Through UnitedHealthcare, the Surest plan offers an easy way to access qualitySurest | 14,892 followers on LinkedIn. Surest is giving people power over their health experience. | Surest, a UnitedHealthcare company, is dedicated to redesigning health insurance, offering a ...Maybe Surest is good insurance, it's hard to tell. I had my first urology appointment of the year canceled because my doctor no longer takes Surest. Five years as a patient, and a cancer "survivor" at that, and I am summarily dropped off at the curb. Surest customer service still lists my former doctor in its directories on the app and on the ...Aug. 12, 2022. Surest™, a UnitedHealthcare company formerly known as Bind, redesigned how health plans work by removing deductibles, offering clear costs in advance of treatment, and lowering total health care costs for employers and employees. Surest seeks to simplify how people navigate the health system, removing barriers to care and ... In addition, you can choose to contribute to your HSA, up to the IRS annual limit of $3,850 for Employee Only coverage or $7,750 for Employee + Other(s) coverage in 2023 (Eaton’s contributions apply to the limit). If you are age 55 or older, you can make an additional catch-up contribution of $1,000. Benefits.Surest.com website or call Surest Member Services at 1-866-683-6440. For general definitions of common terms, such as allowed amount, balance billing, coinsurance, copayment, deductible, provider, or other underlined terms, see the Glossary. You can view the Glossary at https://healthcare.gov/sbc- Surest is an ACA-compliant health plan for employers with 51+ employees. It’s offered through employers in 49 states, excluding Hawaii. How does this work with other health insurance? If you have other insurance, call us at 866-683-6440 M-F from 6 am to 9 pm CT to discuss how the plan works with that coverage. Feb. 7, 2024. Whether you’re new to a Surest health plan or you’re looking for a refresher on how to get the most from your benefits, there’s a lot to explore and learn about when …Summary of Benefits and Coverage: What this Plan Covers & What You Pay for Covered Services Coverage Period: 01/01/2023 – 12/31/2023 Nokia of America Corporation: Standard - Surest Coverage for: Individual and Family | Plan Type: PPO The Summary of Benefits and Coverage (SBC) document will help you choose a health plan.Use this resource to better understand your women's health coverage on the Surest plan. Surest Help can answer any additional questions you may have. Taking care of your health. See your doctor for a wellness visit. For wellness information applicable to you, see the sections that apply to you: Ages 18-39; Ages 40-49; Ages 50-75; Ages 76 ...Welcome to Surest - benefits.surest.comSummary of Benefits and Coverage: What this Plan Covers & What You Pay for Covered Services Coverage Period: 01/01/2024 – 12/31/2024 Star Tribune Media Company LLC: …With the Surest health plan, prices for doctors and health services are available on the app, so you can compare options. See where you might be able to save money by selecting a different provider or service location, then decide what’s right for you and your budget. You can also see current claims info in the app, and easily access your ...The Surest health plan uses the large UnitedHealthcare network of providers, so you have access to mental health support and resources throughout the U.S. To find a provider near you, search for what you need in the Surest app or Benefits.Surest.com to see provider and treatment options, locations, and prices. For added convenience, the Surest ...1 2021 medical claim risk-adjusted commercial benchmarks risk adjusted by age, gender,. clinical risk and geography. 2 2020 and 2021 medical costs for Surest Lumen members relative to a cohort of non-Surest members matched on age, gender, baseline medical spend, and geography.. 3 Surest medical and pharmacy claims compared to a large ….