UniCare Health Insurance

UniCare Health Insurance provides easy streamlined enrollment. I am sure if you have ever applied for individual health insurance you know about the long enrollment process that typically takes place. UniCare has streamlined the process to make it a pain free enrollment.

Depending on which plan you are choosing will determine which enrollment options are available. All plans have the option of implementing the online application process, which is the easiest option of them all. The enrollments are quick as well. The Fit & Saver plans have an easy 28 question health questioner and other then personal demographics and payment arrangements that is all there is to it. The Sound application is even easier. UniCare Sound application only includes 20 health questions.

Once your applications is submitted your enrollment goes to the Underwriting department. The underwriting process varies depending on your medical conditions. The UniCare Sound plan can be approved instantly in some cases.

Every step of the way, if submitted online you get informative emails regarding the process of your underwriting. Once approved you can instantly retrieve your policy information and temporary id cards online.

If you are not computer savvy there is still the mail & fax options available (excluding Sound) to consumers. Processing is treated the same as online applications once the application is received in underwriting. So quit the waiting game with some of the other carriers and get on board with UniCare Health Insurance and get the answers and the coverage you need is the most reasonable amount of time if not faster!

UniCare Health Insurance has a plan that is affordable, benefit rich and flexible. The UniCare Sound plan has all the right touches the savvy consumer is seeking. Depending on your location, age and medical history most people 19-29 pay from $95-150.00 in monthly premium. And you can cancel anytime.

The UniCare Sound Plan gives an all inclusive type of health benefits. It also give some dental benefits for the health conscious individuals that want to keep healthy strong teeth. UniCare tops the plan of with $50 for vision.

The $40 copay for Preventative Care helps you keep in tip top shape year after year. For children under 6 it even covers immunizations and lab work. For the adult the Preventative Services include routine pap smear, annual mammogram, colorectal screenings and the PSA for men. All lab work and x-rays related to the Preventative visit performed in your physicians office is covered as well.

Emergency room copay of $150 also covers x-ray & lab. The plan boosts unlimited office visits for a $40 copay and of course also includes x-ray and labs done & billed out of the physicians office. These are just a few of the unique qualities of the UniCare Sound plan.

A feature that makes the UniCare plan most unique is the lack of coinsurance which reduces your out-of-pocket significantly compared to most plans. Yes, there zero coinsurance so once you meet your deductible for the given year UniCare picks up all eligible cost at 100%.

UniCare Health Insurance has Health Savings Account (HSA) compatible health insurance plans to meet the consumers needs. Health Savings Accounts are established to receive tax favored contributions on behalf of eligible individuals. Funds can accumulate over the years on a tax free basis and can pay or reimburse medical expenses.

What makes UniCares Health Savings Accounts compatible is because they meet certain U.S. Treasury Department requirements for annual deductibles and annual out-of-pockets expense maximums. To qualify a plan the annual deductible for a single party must be at least $1050 and annual out-of-pocket must not exceed $5250. Family deductible must be at least $2100 and annual out-of-pocket maximum should not exceed $10500. Out-of-pocket expenses include deductibles, copayments and coinsurance.

Health Savings Accounts are designed to pay eligible medical expenses. It also provides a way to bridge the potential gap between your needs and funds once you become available for Medicare. The Health Savings Account health plan is broken down in to two different areas. First Savings Benefits, funds may be used to pay for current , future and post retirement expenses not covered by the plan. Savings can cover pre-deductible health care cost. Money not spent rolls over year after year. Second, is the Tax Benefits. Contributions to the account are tax deductible up to the IRS maximum. Withdraws if used for qualified medical expenses are tax advantaged.

The Health Savings Account works in conjunction with UniCare’s High Deductible Health Plan. It is a separate arrangement with you and the bank. UniCare does not administer the Health Savings Account , but does provide the High Deductible Plan that is compatible.