UniCare is a national organization dedicated to the delivery of quality health care plans and products working together with its customers, consultants, brokers, providers and employers. Providing managed care and specialty health care services throughout the United States, UniCare Life & Health Insurance Company is a subsidiary of WellPoint.
WellPoint, Inc. (NYSE:WLP
www.wellpoint.com) is the largest health benefits company in terms of medical membership in the United States.
UniCare offers a comprehensive array of health care plans and specialty products that preserve member choice at competitive prices.
Click below to get a UniCare Quote Online Now
Online UniCare Quote
An office visit copay is the flat dollar amount that you would pay for a routine visit to either a primary care physician or a specialist, with coverage kicking in at 100% after the copay. Most traditional, employer sponsored plans offer an office visit copay. However, individual and family plans may or may not include office visits copays as part of the coverage.
SOME of the plans listed in your instant quote will not offer copays for routine office visits. If you see “$0″ or “N/A” in the Copay column on your instant quote, then those plans will not have an office visit copay. On plans with no office visit copay, routine office visits will typically apply to your deductible, and you will be responsible to pay the network-discounted rate for office visits until your deductible is met. On some of the catastophic plan designs with no copays, routine office visits may not even be covered at all!
Carriers that do not offer office visit copays on their basic plan design will usually give you the option to add office visit copays for an additional premium. Please remember that when you pay a copay on a PPO plan, your deductible IS NOT reduced by the amount of that copay. Copay expenses, whether for office visits or prescriptions, are unlimited and never included in your PPO plan’s maximum out-of-pocket limit.
“Covered” means that the service is payable AFTER your deductible is met or it is payable AFTER a copay is paid. A few services, such as State mandated preventive care services like immunizations, mammograms and prostate screenings, are covered without being subject to a deductible or a copay. But many people mistake deductible expenses as expenses that are “not covered”. For example, if your PPO plan’s annual deductible has not been met yet, a trip to the lab for bloodwork might result in a deductible expense, an expense that reduces your calendar year deductible, and you will be required to pay the network discounted fee for the blood test. This service is considered a “covered” expense, even though you have to pay for it. If the service is “not covered”, it will not reduce your calendar year deductible.
UniCare is a national organization dedicated to the delivery of quality health care plans and products. Providing managed care and specialty health care services throughout the United States, UniCare Life & Health Insurance Company is a subsidiary of WellPoint. UniCare offers a comprehensive array of health care plans and specialty products that preserve member choice at competitive prices.
UniCare recognizes that what works for one doesn’t necessarily work for another. That’s why our full portfolio of health, pharmacy, dental, life and disability benefits products can be tailored to meet your specific needs. Our focus is on putting our clients and their associates back in control of their health care and financial future. Through exceptional sales and account management staff who listen to our clients and their associates, we can create benefits that evolve over time to meet changing needs and add the most value.
SOLO HAP offers health plans for individuals and families not covered by employer health insurance. SOLO is affordable health insurance with flexible plan designs that include preventive care, emergency coverage and optional prescription benefits. HAP offers flexible products to meet the health needs and budget of Michigan residents. The health plan’s comprehensive PPO provider network includes more than 15,000 physicians across the state of Michigan.
HAP helps members improve their health with innovative preventive services, disease management programs and extensive online health resources. Through HAP Advantage, members receive preferred rates on chiropractic services, laser vision correction, Weight Watchers® meetings and fitness club memberships. iStrive For Better Health, HAP’s online health improvement program, offers members a free health risk assessment, six healthy lifestyle programs and rewards for reaching milestones in the program.
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If you’re like most people, your needs are changing all the time, especially when it comes to health insurance. Maybe you’re out of a job, maybe your employer doesn’t offer coverage, or maybe coverage is just too expensive.
Assurant Health answers your needs with our Health Access limited-benefit* plans. Not only are they priced within your reach, they’re packed with value to make sure you get your money’s worth during this time of your life. And, Health Access gives you just that — access —to the health care system, to doctors and other providers, and to discounts.
| Medical Plans |
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| Coverage |
Plan A |
Plan B |
Plan C |
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| Doctor Office Visits |
$25.00 |
$25.00 |
$25.00 |
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| Prescription Drugs |
$15/$50 |
$15/$50 |
$15/$50 |
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| Diagnostic Imaging Lab |
Limited |
Yes |
Yes |
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| Surgical |
Limited |
Yes |
Yes |
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| Ambulance |
No |
Yes |
Yes |
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| Emergency Room |
No |
Yes |
Yes |
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| Deductible |
None |
None |
None |
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| Life Insurance |
No |
$10,000.00 |
$10,000.00 |
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| Medical Plan Pricing |
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| Health Access Plan A |
|
Insurance |
Rates |
|
|
| Age Bands |
0-17 |
18-30 |
31-40 |
41-50 |
51-63 |
| Primary |
$34 |
$40 |
$43 |
$48 |
$61 |
| Primary/Spouse |
$68 |
$80 |
$86 |
$96 |
$122 |
| Primary with 1 Child |
$68 |
$74 |
$77 |
$82 |
$95 |
| Primary/2+ Children |
$115 |
$121 |
$124 |
$129 |
$142 |
| Primary/Spouse + 1 Child |
$102 |
$114 |
$120 |
$130 |
$156 |
| Primary/Spouse 2+ Children |
$154 |
$166 |
$172 |
$182 |
$208 |
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| Health Access Plan B |
|
Insurance |
Rates |
|
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| Age Bands |
0-17 |
18-30 |
31-40 |
41-50 |
51-63 |
| Primary |
$51 |
$83 |
$97 |
$128 |
$196 |
| Primary/Spouse |
$102 |
$166 |
$194 |
$256 |
$392 |
| Primary with 1 Child |
$102 |
$134 |
$148 |
$179 |
$247 |
| Primary/2+ Children |
$173 |
$205 |
$219 |
$250 |
$318 |
| Primary/Spouse + 1 Child |
$153 |
$217 |
$245 |
$307 |
$443 |
| Primary/Spouse 2+ Children |
$232 |
$296 |
$324 |
$386 |
$522 |
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| Health Access Plan C |
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Insurance |
Rates |
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| Age Bands |
0-17 |
18-30 |
31-40 |
41-50 |
51-63 |
| Primary |
$65 |
$104 |
$118 |
$154 |
$234 |
| Primary/Spouse |
$130 |
$208 |
$236 |
$308 |
$468 |
| Primary with 1 Child |
$130 |
$169 |
$183 |
$219 |
$299 |
| Primary/2+ Children |
$221 |
$260 |
$274 |
$310 |
$390 |
| Primary/Spouse + 1 Child |
$195 |
$273 |
$301 |
$373 |
$533 |
| Primary/Spouse 2+ Children |
$295 |
$373 |
$401 |
$473 |
$633 |
Here’s what Assurant Affordable Health Access offers:
- Affordability: Choose from three modestly priced plans to find the one that fits your budget and lifestyle.
- Usefulness: These plans cover services you’ll actually use, such as doctors’ office visits, prescriptions, preventive care and immunizations. Plus, should you need them, you’ll also have hospital benefits with Plans B and C.
- Value: You’ll have first-dollar benefits, copays and no high deductible. And, we’ve partnered with several services to help you squeeze extra value out of your plan and maximize any limits.
- Accessibility: From zero medical questions on one of the plans, to only two on others, it’s easy to qualify for all Health Access plans.
- Flexibility: Keep your own doctors, choose individual or family coverage, and add coverage for dental, vision and cancer benefits.
Welcome to the online health insurance application for The Focus Group. Within 5 minutes you can apply for coverage and be on your way. You’re in good hands! Representing over 104 insurance companies, we are your client advocate. We work for you. Not the insurance company. The Focus Group does not share, sell, or store your information.
Let’s get started!
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Golden Rule Copay Saver Plan
| Insurance Benefit Highlights |
Copay Saver |
| Calender Year Deductible |
$1500 $2500 $5000 $7500 or $10,000 |
| Co-Insurance Choices |
$3,000.00 |
| Lifetime Maximum Benefit |
$3 million |
| Initial Rate Guarantee |
12 months |
| Physical (Illness & Injury) |
|
| Office Visit |
$35 no deductible |
| Prescription Drugs |
$15 Generic |
| Annual Maximum |
Not applicable |
| Wellness/Preventive Care Benefits |
|
| Doctor Office Visit |
$35.00 |
| X-ray and lab |
Not Covered |
| Child Immunizations |
Not Covered |
| Preventative Mammogram, Pa Smear, PSA screen |
20% after deductible |
| Outpatient Expense Benefits |
|
| X-ray and lab |
20% after deductible |
| Facility/Hospital for Outpatient Surgery |
20% after deductible |
| Surgeon, Assistant Surgeon, and Facility Fees |
20% after deductible |
| Hemodialysys, Radiation, Chemotherapy |
20% after deductible |
| Emergency Room Fees – Illness |
You Pay: $500 copay if not admitted then 20% |
| Emergency Room Fees – Injury |
You Pay: $500 copay if not admitted then 20% |
| Spine and Back Disorders |
Not Covered |
| Mental and Nervous Disorders |
Not Covered |
| Inpatient Expense Benefits |
|
| Room and Board |
20% after deductible |
| Intensive Care Unit |
20% after deductible |
| Operating Room |
20% after deductible |
| Recovery Room |
20% after deductible |
Convenient Doctor Office Copay Benefits
Designed for individuals and families, our copay plans are more like traditional employer plans with a copayment for routine health-care expenses. When you use a network doctor for an office visit, we pay 100% for history and exam. When you use a network doctor for an office visit, we pay 100% of history and exa fees after a $35 copay with Copay Select. Office visit expenses outside your network are not eligible for copay benefits.
Adult And Child Preventive Care Included
After a 3-month waiting period, you pay $35 for the doctor office visit with Copay Select. X-rays and lab tests are covered after you pay your chosen coinsurance ( 20%)
You choose $3 million or $5 million lifetime maximum benefits per covered person.
Copay Saver
The Copay Saver plan provides the convenience of copays for doctor office visits (limited to 2 per person, per calendar year) for a lower monthly premium.
Individual, Family, Group Health and Life Insurance. Plans to fit every budget and need.