Hyers & Associates

Health QuotesUnited Healthcare has long been a carrier offering affordable health insurance rates across the country.   They offer individual and family policies through their subsidiaries Golden Rule and Pacificare.

Group coverage is offered through United Healthcare and collectively they are now known as United HealthOne.   UHC is most popular because of their low prices  and large network  the country.

Golden Rule Health Insurance Coverage

Recently UHC added several new benefit options to their individual and family plans including preventive care, dental & vision coverage, term life, accident coverage, wellness visits, as well as additional deductible and coinsurance choices.

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Consumers who  wish to purchase  comprehensive health insurance coverage should  consider the Copay Select, Plan 100, and HSA 100.   The Copay  Select  offers preventive care, prescription drug coverage, and  either a $25 or $35 doctor’s office copay  -  all of which are not subject to the deductible.

The  HSA 100 is a health savings account qualified plan offering preventive care that will cover  medical expenses  at 100% after the deductible has been met.   The Plan 100 works much like the HSA 100 except that it does not offer a tax qualified health savings account and more than one deductible  must be met  before families  are covered as  a whole.

United Healthcare Health Insurance Plans

Consumers who  want  catastrophic, lower premium health insurance plans will find an abundant selection with UHC.   The HSA 80, Plan 80, Saver 80, and the Copay Saver  all offer comprehensive medical coverage at an affordable price.

These types of plans will offer higher deductibles as well as 20% coinsurance (usually up to $10,000) after the deductible has been met.   No frills coverage like this may not offer much in the way of first dollar benefits like prescription drug coverage and doctor’s office co-pays, but the trade off is  low cost  insurance that will cover larger medical claims.

Benefit Options & Office Copays

All  plans with UHC offer several riders that can be purchased at an additional cost.   Riders include lower office copay amounts, supplemental accident coverage, term life insurance, increased prescription drug coverage, and many states offer two dental plans  as well as one vision plan to  choose from.

Competitive Niche for Golden Rule

UHC polices are competitive in many age groups including individual and family policies.   Clients enjoy their large nationwide network and affordable rates.

Underwriting is not accept/decline as with some other carriers, rather the insurance company might not include coverage for certain preexisting conditions like back disorders, severe asthma, allergies, etc.

Oftentimes this means consumers can purchase health insurance with riders through United Healthcare when they have been declined elsewhere.   However, with the advent of health care reform children with preexisting conditions cannot be turned down for coverage, but they can be rated up significantly.   This translates to higher monthly premiums.

In summary, UHC offers several plans with different coinsurance and deductible options for prospective insureds.   Affordability, network strength, and underwriting options are their most attractive features.   As with all insurance, it is important to read the brochure and/or policy provisions for possible exclusions.

Click on the UHC logo above to view direct quotes today!

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