UniCare Health Insurance

UniCare Health Insurance offers a plan called the Fit plan that makes investing in health insurance worth your money! Not only do you get competitive health benefits, but a few added benefits. Members receive and innovative wellness program. The Healthy Extensions includes up to 50% off a variety of wellness and alternative health services, plus 24 hour access to phone nurse counselors. The telephone hot line answers many of your health questions about symptoms, procedures and alternatives, medications and side effects, diagnosis and referee ls to providers.

UniCare Fit plans give you the option of dental and life insurance that is very affordable. They provide deductibles from $500 - $5000 to fit in any budget. You get unlimited office visits with a $30 copay. Annual physical that includes PSA screening, mammogram and Ob/Gyn exams. With a 5million life time maximum benefit you can rest assure you are not undersold in comparison to most plans on today’s market. The pharmacy benefits are a real money saver. It even offers some Mental Health, Acupressure, Chiropractic care and home health benefits which many plans lack.

UniCare Health Insurance encourages healthy living and gives you the perfect tools to achieve it with their innovative heath plans. It is no secret that health insurance coverage is expensive. It now requires a larger portion of our income then in yesteryears. Due to companies opting out of sharing the cost for employees or not sharing much if any cost for dependents. There is also a larger number of self employed and part time career goers these days.

So it makes since that if you are going to invest so much money into your health insurance that you get a plan that saves you money through benefits. UniCare Health Insurance as a multitude of plans that have money saving benefits for you.

The family oriented Fit plan is perfect for a family. It provides benefits such as; affordable office visit copays that are unlimited with a huge network of providers, negotiated rates that are very competitive in todays market, well visits for adults and children as well as immunizations. The most cost saving benefit for a family is that deductible and co insurance only applies to 2 members, that could result in thousands of dollars in savings.

Then you have the UniCare Saver plan for those individuals looking to save on premium and forfeit the unlimited office visits for just 2 visits with a copay. You still get RX coverage and in fair trade it offers an affordable deductible at only $2000.

Last, but certainly not least you have the UniCare Sound Plan, the gem of all plans out there today. Affordable rates, Unlimited office visits that include lab & x-ray, pays 100% after deductible (creates lower out of pocket) and it even adds a dental and vision benefit to keep you healthy from head to toe!

UniCare Short Term Health Insurance is perfect in times of transition and change. Whether you’re going through a period of unemployment or any other temporary lapse of health insurance coverage, UniCare Short Term Health Insurance will cover you anywhere from 30 days to 180 days in coverage. What’s good about most short term health  insurance plans is that they have very limited underwriting and can start the day after they are paid for. UniCare Short Term Health Insurance is also perfect if you are waiting for your Group health insurance to start, waiting for open enrollment and you know when the business insurance coverage will start, college students who have “summer insurance gaps”, or are fixing to retire and waiting for state insurance plans starting on your birthday. Whatever your needs may be, UniCare offers various health insurance plans that include pharmacy, dental, and disability insurance and other benefits that the insured can tailor to their specific needs.

UniCare Health Insurance  Sound plan  are very popular with younger adults, especially students whose parents love the reliable, affordable health insurance. When you’re young, being able to give out money for health insurance most likely isn’t high on your list of priorities. However, UniCare feels that young single people will be drawn to the Sound Health plan and the plan will dramatically reduce the number of uninsured young people. UniCare Health Insurance  Sound plan was created to lure the younger segment in to the health insurance system by offering benefit rich plans at a very affordable rate. If you are between the ages of 20 – 40 , this should be the first plan to consider because nothing else matches it for the affordable rates. UniCare Health Insurance    Sound plan  is perfect for single adults.

Use su Seguro para su Chequeo Medico Anual                                                                                                                                                                                                                                                    UniCare Health Insurance promueve y cubre el cuidado preventivo, o chequeo anual (preventative care). Los medicos recomiendan que si usted tiene entre 30 y 50 anos de edad debe hacerse un chequeo fisico anual. UniCare reconoce las ventajas de proveer cuidado preventivo a sus consumidores. Los profesionales en el cuidado de la salud le recomiendan  que se haga un chequeo anual de niveles de colesterol, examen de colon, examen de senos, y chequeo de cancer cervical todo lo cual  UniCare Health Insurance cubre. El cuidado preventivo esta disenado para descubrir problemas de salud en etapa temprana justo antes de que se conviertan en enfermedades mas graves y hasta mortales. Lo que a su vez reduce los gastos y por supuesto prolonga vidas. Esta es una perfecta situacion ganar-ganar para ambos  UniCare y sus consumidores.  UniCare Health Insurance tiene muchas mas ventajas, ademas de el cuidado preventivo, tales como: UniCare  programa de “salud extensiva”, un programa que le provee descuentos en productos y servicios de salud y bienestar. Este programa de UniCare ofrece descuentos de hasta el 50% a los miembros de  UniCare Health Insurance en una amplia variedad de alternativas y productos y servicios de salud y bienestar que ofrecen muchos proveedores independientes. UniCare Health Insurance se ha asociado con proveedores para otorgar descuentos y ahorros en productos y servicios, tales como: vitaminas, programas de nutricion y actividades, clubes de salud, protesis auditivas, lentes y lentes de contacto, productos para el cuidado de la piel, materiales eductivos, recursos en linea y hasta  de practicas de medicina alternativa. Tampoco limita a sus consumidores al cuidado preventivo ya que ellos cuentan con una gran variedad dde planes a precios razonables para ayudar a sus consumidores a llenar sus necesidades y recibir el cuidado medico que ellos necesitan. Entonces, Que espera? obtenga ahora una cotizacion en linea y use su seguro para su chequeo medico anual                                                                                                

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.

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.