UniCare Health Insurance

UniCare Health Insurance has not only terrific health insurance, but many unique key extras that make their health insurance particularly inviting to today’s consumers.

MedCall is one of these features. UniCare’s MedCall is 24/7 Telephonic access to Health Care Professionals. It puts you in contact with a live nurse 24 hours of the day. This hotline is no extra charge and can answer many health questions such as, symptoms of an illness, procedures and alternatives, medications and side effects, a diagnosis and referrals.

Healthy extensions is another innovative feature UniCare provides at no additional cost to you. As a UniCare member you can take advantage of discounts of up to 50% on many services and products that are key to staying healthy. Products and services like vitamins, nutrition & fitness programs, health clubs, hearing aids, eyeglasses and contacts, skin care, educational material, online services and alternative health practitioners.

Mail Service Prescription Drugs is an addition to your RX benefit that your plan provides. The mail order service allows you to get 60 day supply instead of just 30 on those medications that you take on a regular basis.

So as you can see UniCare Health Insurance gives more then just quality affordable health insurance to individuals in need. They have also made an extra effort to add no cost features that many consumers are looking for in order to take full advantage of health insurance and their own health.

Do you need a health insurance plan that is flexible enough to work for your family? UniCare has a wonderful feature called FamilyFlex. It allows you to customize your Family Coverage.

UniCare’s FamilyFlex will give you the availability to choose different health insurance plans for each member of your family in one easy application.

For example, the Jones Family has 3 children. Two whom are elementary age and one that is in college. Mrs. Jones is very healthy and only goes to the Doctor once a year. Mr. Jones has a few minor health problems and requires regular check ups and takes daily medications. So when Mrs. Jones enrolled she utilized the FamilyFlex plan. She new that the 2 younger children required several doctor visits each year, due to illnesses passed around the school. Plus, they still require immunizations and such, but does not anticipate and long term illnesses or hospitalizations. The plan she choose for them was the UniCare Fit 5000. This plan has a low premium with a higher deductible, but includes unlimited doctor visits with a $30 copay, prescription benefits and immunizations are covered.For her college child she choose the UniCare Saver Plan. She knows that her 19 year old son is not likely to make a visit to the doctor unless she twists his arm and he is a health nut and takes very good care of his self. The UniCare Saver plan has very low premiums and still gives 2 doctor visits with a $30 copay. And the plan still gives Mrs. Jones peace of mind that if something should happen he will have coverage. She also choose the UniCare 3000 for herself. It is designed the same as the Fit 5000, but has a lower deductible. For her husband she choose an even lower deductible of 1500, since she feels he would need the most care of all the family.

So as you see as the Jones Family demonstraits the FamilyFlex plans offers flexibility for you to design coverage for your family that gives the coverage you are comfortable with and save money.

Which insurance plan is right for you? Many people ask this questions and find it difficult to pluck through the variety of plans out their today. UniCare makes it easy. They have a user friendly site that can help you discover the benefits of all the numerous types available.

Selecting the right plan for you and your family requires you to take a look at your needs in these 4 basic areas.

Price- What are the costs of each type of plan? How much can I afford to pay each month?

Features- What services are available on each plan? You wouldn’t want to pay for something that will not benefit you and your family.

Cost Sharing- How much will I be paying for services? Look over each plan to make sure you understand the benefits and limitations.

Access- Is it important for you to see a certain doctor? How flexible are you when it comes to which providers you use? Are you willing to be flexible to save money?

Generally the more risk you agree to accept, the less you pay in monthly premium. Since UniCare plans are month to month plans you can start out with a less desirable plan that fits your budget and change the plan later when your situation changes. The Network of providers does not change so you will not have to worry about a whole new carrier.

If your budget is so that you can afford a higher premium you will get more significant benefits and features from the plans. More services are covered. UniCare pays a larger portion of the cost. Deductibles and Co Insurance are much more favorable.

Many of us have at one time or another been between jobs, no longer eligible on our parents health insurance and awaiting permanent coverage. UniCare has Individual Short Term Health Insurance Plans that can get you immediate coverage.

Unicare is a nationally recognized insurance carrier with long established reliability and financial security. They have a huge network of qualified doctors, hospitals and surgical centers. Superb negotiated rates will all of their providers in the network. So going with the UniCare Short term Insurance is the best thing you can do for yourself when the need arises.

The UniCare Short term Plan provides you with a 2 million lifetime maximum. You can elect for coverage from 30-180 days. You can choose any day to start and end coverage. Deductibles from $250-2000. If you find you need the coverage longer then expected you simply re-enroll for the additional time.

The plan covers Emergency care, Hospitalization Services, Outpatient Services, Access to any doctor you choose, professional services including x-ray, lab, and office visits and Prescription drugs.

Pricing is based on per member, per day rate. So next time you are going to be faced with a limited duration of non health coverage do not delay. Call a Unicameral agent and get the coverage you need for the period of time you need it.

In this time of cold wet conditions Upper Respiratory Infections (URI) run ramped in schools, workplaces and public places, that is why it is important to have quality health care coverage such as, UniCare Health Insurance.

URI’s are extremely common in the winter months. There are over 200 viruses that can cause a URI. Personal contact or even touching a door knob can end you up with sore throat, cough, runny nose and fever that is most common in these infections. URI can affect your nose, throat, sinus and ears. These infections can be quit severe and even mimic other infections such as bronchitis and influenza. With a health insurance plan like the UniCare Fit plan you could schedule an appointment as soon as symptoms arrive and rule out or catch a more severe infection before it gets bad. Instead of being out of pocket hundreds of dollars you could be well on your way to feeling better for only a small copay of $30.

It is important to have your health care provider evaluate any symptoms you are experiencing, not only cold symptoms. Many times over the counter medications and home remedies are not enough and over night you could be faced with much more severe symptoms then you had the day before. A qualified medical provider such as those in the UniCare network should determine if antibiotics are other medications are necessary.

UniCare Health Insurance has introduced a new plan called Solaura HIA (Health Incentive Plan).  UniCare Solaura is a innovational new plan that is attractive to today’s culture.  It is similar to the old veteran of health insurance the Health Savings Account.  The UniCare Solaura has added benefits that not only encourage, but rewards you for staying and getting healthy.

Another tool available in the UniCare Solaura plan is MedCall.  MedCall is a nurse information line you can answers to many immediate health care questions from registered nurses available 24 hours a day seven days a week.

Cold weather is headed through the state of Texas, and with cold weather come colds. Do you have your family covered?  UniCare Health Insurance has multiple plans to fit all the different needs of individuals and families.  UniCare is one of the top rated insurance companies in Texas.  As the cold weather moves through the runny noses, sore throats and coughs move in, and the doctor offices, urgent care centers, and emergency rooms fill up.  With most of UniCare Insurance plans you have copays to the doctors, and for your prescriptions to help you get back to healthy.  Now with the weather making its change to cold winter time it is a good time for you to make sure you have the best coverage for your family.  UniCare has a lot to offer so give them a look. UniCare Health Insurance

UniCare Health Insurance gives more then just health care coverage.  The know the importance of good dental care as well.  UniCare knows that neglected oral health can lead to many health conditions, that are easily prevented with regular cleanings and oral exams.

UniCare’s dental programs focus on preventative care, by covering most preventative procedures, such as; 2 yearly cleanings at 100 percent.  They then negotiate rates on minor and major procedures with their huge network of dentist.

Unicare’s dental program includes over 33,000 dentist and dental professionals.  They also offer easy referral services if your current dentist is not in the network.  All dentist are approved based on industry standards.  UniCare also verifies credentials such as license and board certification.  They review each dentist every 2 years to make sure they meet UniCare’s quality standards so you can be rest assured that all dentist in network come highly qualified.

UniCare’s dental program offers flexible and broad dental benefits.
Preventative:  Routine Cleanings, exams, x-rays, sealants and fluoride
Basic restorative: extractions and fillings
Major Restorative: Oral surgery, periodontics and endodontics
Reconstructive: crowns, bridges and dentures
Orthodontics in some plans

Depending on your State, UniCare offers PPO, Fee for Service and even some health plan included dental benefits.  As always, UniCare provides competitive dental plans that are what the public are looking for.

As you can see UniCare expands the value of their dental plans by offering affordable benefits and maintaining a high standard of quality service that they are known for.

UniCare offers short-term insurance.  Short-term UniCare Health Insurance  is great for the months between jobs, the 90 day waiting period at a new job, or for a college student in between semesters at school.  Short-term policies with UniCare Insurance offers coverage of up to 2 million life time.  The policies are reasonably priced for the time you are between jobs or if you are still a student on a limited budget.  For all your short term health insurance needs contact UniCare Health Insurance 

You can call unicare directly from their official site for Unicare Claims