UniCare Health Insurance

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%.

The fact is too many individuals are uninsured between the ages of 19-29.  UniCare has come up with an orginal solution to this staggering statistic in it’s UniCare Sound Plan.  It is uncomplicated  and undisguised, just as the brisk-paced, instant gratification generation of 20 somethings prefer things. 

The UniCare Sound Plan offers easy online applications with automated underwriting.  It is all there online for them, because that is where they are!  Owning a health insurance plan at this age is very appealing.  It gives them a sense of independence.  Problem is most health insurance plans have a complicated enrollment process, complex benefits and time consuming underwriting, this approach does not work for the 20 somethings. 

The UniCare Sound plan offers benefits that the younger generation are looking for.  The rates include dental, medical and vision benefits all in one little compact plan.  Typical rates are from $60-$114.  The plan includes unlimited office visits for only $40 and no need to worry about additional bills for labs, they are included if done the same day in the office (which most physicians will accomadate).  The UniCare Sound Plan emphasizes preventative care as well paying 100% and waiving the deductible.  Also, traditional PPO plans include large out of pocket cost due to deductibles and co insurance (something this generation pay attention to) so the UniCare plan eliminated the co insurance so the total out of pocket is only the deductible.  The 20 somethings are all about spending the extra money on their futures so this is very appealing to them.

I often hear a 20 something say I would like a plan that tells me exactly what I will need to pay and no surprises in the mail.  Most live on a set budget so this is very important to them.   So it makes perfect since that UniCare came up with the UniCare Sound plan when they decided to target this age group of uninsureds.