UniCare Health Insurance

In October of 2008 the Paul Wellstone and Pete Domenici Mental Health Parity and Addiction Equity Act of 2008 was signed. The new law has made medical history and a huge impact on health insurance. The new law requires that health insurance plans (of groups more than 50) must use the same benefits for mental illness and substance abuse as they do for any illness.

Many people have a PPO health insurance plan these days. They are very popular with consumers. They provide flexibility and freedom and that is what consumers are looking for. PPO’s are not difficult to understand , here are some basics:

 So many people simply give up on the daunting task of searching for health insurance and opt to go uninsured. Uninsured is never the right answer. Find a friend, a broker or an agent that can help you sort through the lingo. Many carriers have great explanations on the websites,  such as UniCare Health Insurance. UniCare offers a simplistic easy to understand plan called the UniCare Sound plan that has excellent benefits.

UniCare Sound plan offers benefits that are simple and laid out in terms that any average folk can understand. There is a copay for an office visit. One copay, it does not matter if it is a primary provider or a specialist. And no you will not be billed separately for labs and x-rays done at the time of your office visit, it too is covered under this one copay. You can have your annual physical and OB/Gyn with no worries you still just pay the office visit copay. They also have an easy Copay schedule for prescriptions.

The toughest thing for people to understand is the “Total Out of Pocket”. Questions galore, “why do I have a deductible and then still have to pay once it is meet?” “So what will I pay if I go to the hospital?” UniCare Sound makes it simple. Your “Total Out of Pocket” is just your Deductible. Once you meet that UniCare picks up the cost at 100%. So if you go to the hospital and you have a 3000 deductible and your bill is $25,000 you pay your share of $3000 and UniCare pays $22000. Simple enough isn’t it?

UniCare Sound also boost up the plan with some dental and vision care to make it a full package deal worth having.

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.