UniCare Health Insurance

I would like commend the performance of Janice Sexton in helping me with my UniCare health insurance application. 

I have talked/corresponded with SEVERAL companies and she has been the only person that has been consistent with help answering questions, e-mailing and with my recent application to UniCare. 

It’s nice to know that there truly are sweet, caring and competent agents out there.

She was really great during the entire process, which as you know is very stressful and trying.

KUDOS to her!!!!

Sincerely,

Brenda K. Lee

UniCare acknowledges the countless dangers  associated with uncontrolled diabetes including blindness, kidney damage and heart complications. Because we know routine monitoring of blood  glucose levels is extremely important in minimizing risk and maintaining good health , we offer LifeScan and Roche Diagnostics glucose monitoring systems free-of-charge to UniCare members who have been diagnosed with diabetes. WithRobert Hoelscher Robert Hoelscher Robert Hoelscher UniCare Health Improvement Plans (HIP) UniCare Health Insurmembers receive free educational materials and assigned a health coach along with other health professionals who will help the insured understand their disease and help them make the difficult personal behavior changes needed  for the best of their well-being. These plans were created to help members manage the serious conditions that not only come with diabeltes, but with others like asthma and congestive heart failure.

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.

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.

In this time of cold wet conditions Upper Respiratory Infections (URI) run ramped in schools, workplaces and public places, that is why it is important to have quality health care coverage such as, UniCare Health Insurance.

URI’s are extremely common in the winter months. There are over 200 viruses that can cause a URI. Personal contact or even touching a door knob can end you up with sore throat, cough, runny nose and fever that is most common in these infections. URI can affect your nose, throat, sinus and ears. These infections can be quit severe and even mimic other infections such as bronchitis and influenza. With a health insurance plan like the UniCare Fit plan you could schedule an appointment as soon as symptoms arrive and rule out or catch a more severe infection before it gets bad. Instead of being out of pocket hundreds of dollars you could be well on your way to feeling better for only a small copay of $30.

It is important to have your health care provider evaluate any symptoms you are experiencing, not only cold symptoms. Many times over the counter medications and home remedies are not enough and over night you could be faced with much more severe symptoms then you had the day before. A qualified medical provider such as those in the UniCare network should determine if antibiotics are other medications are necessary.

UniCare Health Insurance has introduced a new plan called Solaura HIA (Health Incentive Plan).  UniCare Solaura is a innovational new plan that is attractive to today’s culture.  It is similar to the old veteran of health insurance the Health Savings Account.  The UniCare Solaura has added benefits that not only encourage, but rewards you for staying and getting healthy.

Another tool available in the UniCare Solaura plan is MedCall.  MedCall is a nurse information line you can answers to many immediate health care questions from registered nurses available 24 hours a day seven days a week.

Cold weather is headed through the state of Texas, and with cold weather come colds. Do you have your family covered?  UniCare Health Insurance has multiple plans to fit all the different needs of individuals and families.  UniCare is one of the top rated insurance companies in Texas.  As the cold weather moves through the runny noses, sore throats and coughs move in, and the doctor offices, urgent care centers, and emergency rooms fill up.  With most of UniCare Insurance plans you have copays to the doctors, and for your prescriptions to help you get back to healthy.  Now with the weather making its change to cold winter time it is a good time for you to make sure you have the best coverage for your family.  UniCare has a lot to offer so give them a look. UniCare Health Insurance