Hottest Selling Health Insurance Plans in Texas!!
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: For a great plan, with NO DEDUCTIBLE! and a prescription drug card with low copayments, well-child benefits, preventive care, and the best network of doctors in Texas: See the PPO Select Value Plan below.
Number Three Hottest Selling Plan: For a solid plan with just a $25 copay to the doctor and a wide choice of deductibles so you can pretty much pay as little or much as you want by picking the deductible: See the Select Choice series of plans below.
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
Office Visits:
You pay just $30 a visit for 2 visits per person per year
(No Deductible)
Preventive Care:
Babies/children through age 6:
Immunizations (typical ones for children)
Covered 100% after office visit copay
Adults: routine pap smears, annual mammograms, and PSA for men
Covered 75% after the deductible
Outpatient Lab Work and X-rays
Covered 75% up to $300 per year with deductible waived
Plan pays 75% after the $2000 deductible for the following:
- Professional services (in-patient) and hospital services, surgery, anesthesia, radiation therapy, in-hospital doctor visits, diagnostic x-ray and lab
- Inpatient medical emergency
- Ambulance (up to $750 per trip)
QUESTIONS? Call us at 1-800-497-4010
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) - $10,000 lifetime maximum.
IS YOUR DOCTOR AN IN-NETWORK DOCTOR?
Click here for the doctor network
Click on "Visitor Search"
Click on "Individual Plans"
click on UNICARE PPO
Then you can find doctors and hospitals by name and location
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 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
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 PPO Select Value Care
Here is a plan with no deductible and the greatest choice of doctors and hospitals. And
the price beats plans with pretty high deductibles too. Its a great value, just check out the prices (link is below)
Think of this plan this way, no deductible, and the insurance pays 50% and you pay 50%.
That means for an office visit you may pay $25 to $35 depending on the type of doctor.
But the best part is most any other plan that is affordable you might have a $2000 or higher
deductible before the plan pays anything for something other than a doctor office charge.
This plan starts picking up right away!
And remember, a plan with a copay usually only covers the doctor professional charge.
The labs/xrays are usually subject to your whopping high deductible. That means you
almost always will be paying your own labs/xrays yourself. With this plan right away you are
getting 50% of this paid by your policy.
Plan Highlights:
$5,000,000 lifetime benefits
Hospital and emergency care
Preventive benefits
Well-child care to age 7
The Blue Card Program - use the Blue Cross and Blue Shield plans in all the other states
Low copayments for prescriptions ($10 for generic, $30 for preferred brand name
after a $200 prescription deductible)
The biggest health insurance company in Texas
Out of pocket maximum is $10,000 on plan I. This is really necessary
because you don't want to be paying 50/50 too long.
This is just a summary as well; you need to get the full disclosure as well as all the exclusions for any plan before you buy.
Click here and we will include all the rates and send you the details.
Want the rates now? Click here to get all the prices
Questions? Call us at 1-800-497-4010
Plan Three - The Select Choice PlanThis is a solid plan with a $25 copay for a doctor visit physcian charge. There are 8 possible deductibles
so pick one you can afford. The good news is even the highest deductible plans still have the $25 deal.
Here's how the plan works:
After your deductible the plan pays 80% of these charges:
Hospital benefits (including emergency room etc)
Outpatient care
Home health care
ambulance
labs/xrays
Other features:
To just go to the doctor you pay $25 for his charge
For preventive care you pay $25 too but it also includes diagnostic testing for the physical.
Immunizations are paid at 100% from birth through age 7
For prescriptions its the same deal as the Hottest Plan #2 above
The Blue Card Program - use the Blue Cross and Blue Shield plans in all the
other states.
This is just a summary as well; you need to get the full disclosure as well as all the exclusions for any plan before you buy.
Click here and we will include all the rates and send you the details.
Want the rates now? Click here to get all the prices
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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