UniCare Life and Health Insurance for every aspect of life

UniCare is a health insurance company operating under the aegis of WellPoint Health Networks Inc. which is one of the largest healthcare management companies in the United States. The company offers some very affordable plans including vision, dental, disability, life, Medicare and state sponsored plans.

The dental and vision plans offers regular check ups from qualified doctors at discounted fees. There is no waiting period for preventive as well as diagnostic care, where the plan covers a large number of dental and vision services. Under this plan you can go to the doctor of your choice, so you can select a doctor with the lowest fees. You even get access to the international emergency services from the list of doctors in case you travel abroad and have some problem. You can always call their 24 hours support for any assistance from anywhere.

There are three options under Life and Disability plan; these include UniCare Spotlight, Group coverage and Voluntary coverage. The UniCare Spotlight is a usual life insurance plan. Group insurance gives you a choice as an employer to select the option that is best for your organization. It helps you choose a plan for employees in case of accidental death or dismemberment, optional life, dependent life, short term and long term disability. You can select a plan to pay complete or partial premium for the concerned employees.

The voluntary coverage gives the control in the hands of your employees, where they can choose a plan that would deduct monthly payment from their payroll. In this case all you need to do is manage the administrative end, so that the premiums get deducted as scheduled. This also covers instances similar to group insurance. UniCare also provides administrative services to organizations and companies wanting to implement their own insurance programs. In such a case UniCare assists in filing claims and managing taxes for short term disability benefits only.

There are several plans under the Medicare option as well. These include Medicare Supplement Plan, Medicare Prescription Plan and Medicare Advantage Private Fee-for-Service plan, each having different benefits. A Supplement plan gives you the freedom to get treatment from any doctor of your choice. The Prescription Plan covers the cost of prescription drugs, for this you must be enrolled in Part A or B of Medicare plans. It is important that you check if your prescription drugs are covered under the chosen plan or not. The drugs covered in this plan include prescription drugs, insulin, biological products, vaccines and medical supplies such as those used for injecting insulin. In case the prescription drugs are already covered under Part A or B, it will not be covered under this plan.

The state sponsored plans are available in Kansas, Texas and West Virginia. These plans are specifically designed for people with very low income or those not having any monthly income. The plans in Kansas and Texas are specifically targeted at children below the age of 19 years. The plan applicable in West Virginia is for those who are members of UniCare Health plan along with Medicaid Managed Care.

With several plans covering almost everything, getting health insurance has never been this easy. All you need to do is register online and get access to agents, brokers and providers to apply for the plan you want.