OptumHealth Financial Services Information

OptumHealth provides these results to help you estimate your future health care costs and your out-of-pocket expenses. The results provided represent an approximation based on the information you entered in the calculator, and the assumptions described on this site. Estimates are based on a proprietary database of $14.7 billion in claims that incorporates costs associated with various health conditions. To provide your estimate, OptumHealth adjusted the results based on information you provided (for example, your age, height, and weight). Estimates reflect the median range of projections; therefore, half of all individuals consistent with your selections have higher costs and half have lower costs. OptumInsight reviewed historical commercial and public sector health care data to determine an average medical trend assumption. OptumHealth has provided a breakdown of all payments made on your behalf regarding the cost of future medical care. OptumHealth has assumed that you are eligible for, and have selected, Medicareas your primary insurance and that you are enrolled in Parts A, B and D. Average annual premiums for Medicare Part B and D are included in your Total Health Care Costs estimate (Medicare Part A is free if you or your spouse made payroll contributions to Social Security for at least 10 years). Supplemental coverage is not assumed. While no one can predict your future health, you may want to consider your current health and personal lifestyle as they can be leading indicators of what to expect. Furthermore, actual costs will vary based on a variety of factors, including your choice of treatment, available health insurance, general health, and your length of retirement.