 Hottest Selling
Health Plans
In Indiana
Number One Hottest Selling Plan: For an inexpensive (not kidding about the price, it's designed to help cover the uninsured) way to get some coverage and you aren't looking for a lot other than decent hospitalization and coverage for a few visits a year to a doctor and a prescription or two: See the Saver 2000 Plan below.
Number Two Hottest Selling Plan: A full plan with a $30 copay for office visits (4 per person per year) and a great prescription drug benefit, includes coverage for acupuncture, and preventive care. See the Unicare 1000 plan below.
Number Three Hottest Selling Plan: A full plan from Humana which pays 80% after the deductible. You can pay a little extra to have a $25 office copay and you can add maternity coverage if you wish. The price is very good for what you get. Well worth the look!
So here they are.....
Plan One - the Unicare Saver 2000
THE UNICARE ADVANTAGE - Something you should feel good about......
- Wide choice of doctors and hospitals
- Lifetime maximum of up to $5 million
- Low Prescription Drug Co-pays
- Optional Term Life Insurance
- Out-of-pocket maximums protect you from catastrophic expenses
- Toll-free dedicated customer service numbers - or call us your agent at: 1-800-497-4010
- No claim forms with network providers
- MedCall 24 hour nurse hotline
- Occupational coverage for at-work injuries when benefits cannot be recovered under any Workers' Compensation, Employer's Liability Law or Occupational Disease Law
WHO IS UNICARE ANYWAY?
I've been dealing with Unicare for many years. They are a division of WellPoint Health Networks Inc. one of the largest managed care companies in the United States today. More Americans purchase their individual medical coverage through the Wellpoint family of companies than from any other individual carrier in the United States.
Unicare is rated "A+" by Standard & Poor's Insurance Rating Analysis.
Unicare is rated "A-" (excellent) by A.M. Best, an independent insurance industry analyst that bases its rating on operating performance and financial stability.
In its "Most Admired" poll, Fortune Magazine ranks Unicare's parent company, Wellpoint Health Networks Inc. one of the top three companies in the health care industry, according to its poll of top executives, directors and securities analysts.
QUESTIONS? - call us at 1-800-497-4010
UNICARE offers you a break from the HMO problems that Congress has been trying to protect consumers from, and hasn't been able to. You can go to providers who are specialists without getting permission and take back control of the choices that HMO's won't give you.
HIGHLIGHTS OF THE SAVER 2000 PLAN:
This plan is designed to be affordable, but the main thing is that it is an in-patient (you're in a hospital) plan, but they've added some things people mostly use in a year's time outside the hospital.
in network benefits
PLAN PAYS:
| 70% after $2000 deductible |
| |
Professional services (In-patient) and Hospital Services
surgery, anesthesia, radiation therapy, in-hospital doctor visits, diagnostic x-ray and lab. |
|
all but your office copay
of $30 |
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Office visits in a doctor's office- for 2 visits per person per year (no deductible) |
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70% - no deductible |
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Preventive Care
Babies/children through age 6: Office visit with immunizations (typical ones for children) |
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70% - after deductible
|
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Adults:
70% routine pap smears, annual mammograms, and PSA for men. Office visit- see office visits above
|
|
70% up to $300 per year - no deductible
|
| |
Outpatient Lab Work and X-rays |
|
70%
70%
70%
70%
70%
|
| |
Inpatient medical emergency
Ambulance (up to $750 per trip)
Home Health Care (need pre-service review)
60 visits per year
Skilled Nursing Facilities (need pre-service review)
$400 max per day - 100 days per year
Hospice - (need pre-service review) - $10000 lifetime max |
IS YOUR DOCTOR AN IN-NETWORK DOCTOR?
Click here to go to the provider finder
click on these answers to get to the right spot
- 1st click - Visitor Search
- 2nd click - Individual Plans
- 3rd click - Unicare PPO (don't pick the ones with states listed)
- after this - pick whatever kind of doctors etc. you want to look for.
QUESTIONS? - call us at 1-800-497-4010
PHARMACY HIGHLIGHTS
(in-network benefits)
Generic: $10 copay with a maximum payment by Unicare of $500 per year
Brand Name: $25 copay after separate $200 deductible. Maximum of $500 per member per year
Most any larger pharmacy will be in-network, just make sure they recognize your card and collect only the copay.
OUT-OF-POCKET MAXIMUMS FOR INDIVIDUALS
(in-network benefits)
$3000 plus the deductible per member
These have only been highlights. There are 5 other plans in this same series, and you may be interested in one of the others if you wish more out-patient benefits and lower or no deductibles. Click here and receive the full brochure and disclosure. You need to read the exclusions and the fine print. I've only tried to highlight broadly what the policy is about, but you need the company's literature to get the full picture.
Ready for rates? Click here to go to the rates.
Want to have an application? Click here to download one.
Want to apply online now - right to the company? Click here
(select "Indiana" for "Select a State" - the 1st box on the left. The screen will reload in a second. Then, click about ¾ of the way down on the left under "Apply On-Line Now")
Lastly, give us a call and we would be happy to speak to you about any or all ideas that you may wish to consider. We are not the way you might think insurance people might be. Our goal is to help you get what you want and will refer you to any place that will be best for you.
Questions? call us at 1-800-497-4010
Plan Two - the Unicare 1000 Plan
HIGHLIGHTS OF THE UNICARE 1000 PLAN:
This plan is a much more complete plan. You have outpatient benefits added and a lot of extras. It has a $1000 deductible, but for the services you use most, you will not need to pay the deductible (see below). The price is still designed to be affordable and it's worth a look.
in network benefits
PLAN PAYS:
| 80% after $1000 deductible |
| |
Professional services (In-patient and outpatient) and Hospital
services - surgery, anesthesia, radiation therapy, in-hospital doctor visits, diagnostic x-ray and lab (inpatient and outpatient)
|
| All but your office copay of $30.00 |
| |
Office visits in a doctor's office- for 4 visits per person per year (no deductible)
|
| 80% - no deductible
|
| |
Preventive Care
Babies/children through age 6:
immunizations (typical ones for children)
office visit - see office visits above
|
| 80% - after deductible
|
| |
Adults:
routine pap smears, annual mammograms, and PSA
for men.
Office visit - see office visits above
|
| Charges over your $30
per visit copay.
|
| |
Acupuncture and Chiropractic (limit of 12 visits per year)
|
| 80%
80%
80%
80%
|
| |
Ambulance (up to $750 per trip)
Home Health Care (need pre-service review)
60 visits per year
Skilled Nursing Facilities (need pre-service review)
$400 max per day - 100 days per year
Hospice - (need pre-service review)
$10000 lifetime max
|
Questions? call us at 1-800-497-4010
PHARMACY HIGHLIGHTS
(in-network benefits)
Generic: $10 copay (no deductible)
Brand Name: $25 copay after separate $100 deductible
Most any larger pharmacy will be in-network, just make sure they recognize your card and collect only the copay.
OUT-OF-POCKET MAXIMUMS FOR INDIVIDUALS
(in-network benefits)
$3000 plus the deductible per member
Ready for rates? Click here to complete the form so we can e-mail you the current pricing.
Want to have an application? Click here to download one.
Want to apply online now - right to the company? Click here
(select "Indiana" for "Select a State" - the 1st box on the left. The screen will reload in a second. Then, click about ¾ of the way down on the left under "Apply On-Line Now")
Plan Three - the Humana One Plan
HIGHLIGHTS OF THE HUMANA ONE PLANS:
Basically you are looking at a traditional 80/20 Plan. After you reach the deductible the plan pays 80% for:
Physician services
- Hospital services
- Home Health Care
- Skilled Nursing Facility (up to 30 days per calendar year)
- Durable Medical Equipment
- Hospice
- Physical and Speech Therapy, Chiropractic Services (20 visits per year)
- Complications of Pregnancy and Sick Baby Services (you can add full maternity coverage if you wish)
For prescriptions:
After a $500 deductible you pay these copays:
- $10 for your typical generic type drug
- $30 for your typical brand name drug
- for a little extra you can get rid of the $500 deductible and for a little extra you can have a $25 copay with no deductible to be met for visits to your primary care physician
Your out of pocket maximum on these plans is just $2000 per person. The maximum benefits allowed is $5 million.
Click here if you would like to complete the form to receive the current rates. There are so many options its easier to email them to you. It will make your job easier if you get the rates this way.
Click here to download the brochure. You will be able to understand the rates with the options better if you have this brochure.
Questions? call us at 1-800-497-4010
Once again, please feel free to call with your questions. We handle these plans and plenty more and I find that after you do your internet investigations it really helps to talk to someone and sort out what you have found out. Besides, why not hear a fair explanation of what all the terms on the web pages really mean? It's a big purchase and you don't want to have to keep changing health plans every 6 months.
Questions? call us at 1-800-497-4010
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