UniCare Health Insurance

UniCare FIT is one of our most popular products. The UniCare fit plan has several deductible options as well as co-pays and prescription benefits.

The endanced FIT plan by UniCare now offers first dollar preventitive benefits, as well as new underwriting offerings.

In the past clients may have been declined or waivered for High Blood pressure, chlostoral medicines and other hypertension conditions and now the underwriting guidlines may offer a rate up as an option verses a decline or waiver which is great news for UniCare FIT customers.

Call toll free 866-526-9669 for information on UniCare FIT

UniCare Health Insurance is a must with health care costs are rising everyday, and of all health care expenses, prescription medication costs are the fastest growing. People try and figure the reasons for the dramatic costs of prescription drugs, and they include an aging population with people living longer, and more outpatient care. Unicare’s prescription drug benefits give members convenience, choice, quality and affordability and the program is user friendly for all insured. Upon enrollment with Unicare health insurance, members will receive educational information that includes guides and helpful tools that will explain the most commonly prescribed prescription medications. The insured can take the guide to their doctor to discuss and go over which drug best meets their needs based on clinical need and cost. This eliminates formulary limitations, prior authorizations and other pharmacy restrictions that exist in other pharmacy plans. And for extra convenience, Unicare members can log on to http://uniapp.com for a list of drug categories, and the most popular prescribed drugs and their copayment rates. So what’s best about Unicare insurance is it gives its members choice and allows them to become their own health care advocate

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 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.

 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.

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.