UniCare Health Insurance

Health insurance is your most effective way to stay healthy and save your finances.  Don’t go without. 

A chronic Condition is a problem or condition that doesn’t always go away and may need a lifetime of management. It does not mean you will always be sick. But, it does mean you have to take measures to stay as healthy as possible.

There is new age health plans emerging. With the growing demand for health insurance that is affordable yet focuses on good health a new kind of plan is taking over. They are plans that help you take control of your health and at the same time save some out of pocket cost.

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 PROVIDER LIST   >>>>CLICK HERE<<<

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!