UniCare HSA-Compatible Health Insurance for Individuals and Families in Indiana

OVERVIEW AND COMMENTS

Overview of UniCare
HSA-Compatible Plans UniCare Commentary

UNICARE HSA-COMPATIBLE
PLAN BENEFIT SUMMARIES

$2500/$4950 Deductible
HSA-Compatible Plan Variable-Deductible HSA HSA-Compatible Plan 2 HSA-Compatible Plan 3 Comparison of Plans
for Indiana Residents

UNICARE ADD-ON PLANS

UniCare Dental Term Life Insurance

HSA ADMINISTRATION

Chase HSA Enrollment
pdf - 94KB

UNICARE PPO NETWORKS

UniCare PPO - Hospital
and Doctor Finder Travel Access Program

UNICARE HSA BROCHURE

UniCare HSA Plans
Brochure - Indiana
pdf - 287KB

MORE UNICARE PLAN INFO

Eligibility Guidelines Pre-Existing Conditions Limitations & Exclusions UniCare Rx Resource MemberAccess Tools
interactive flash video UniCare Healthy Living
Online Resource MedCall Program Healthy Extensions UniCare Contact Info UniCare Financial
Ratings from A.M. Best

UniCare HSA-Compatible Plans

With competitive rates, extensive PPO networks and quality benefit designs, UniCare is our most recommended health insurance company for Health Savings Account (HSA)-compatible plans.

HSA-Compatible Plan Choices

UniCare provides the following HSA-compatible health insurance options for individuals, families and self-employed persons residing in Indiana:

$2500/$4950 High Deductible Plan

This is our favorite health insurance product, which UniCare has been offering since 2002. Since then, UniCare has infrequently adjusted their rate tables for this plan, and the rate adjustments have been very moderate -- an exceptional track record in the world of health insurance. Benefits include:
   - $2500 single deductible
   - $4950 family deductible
   - 100% network coverage
   - 100% Rx coverage with no co-pays

Variable Deductible Plan

UniCare adjusts this plan to match each year's minimum HSA-compatible plan deductible. Frankly, we don't see much of a need for an HSA-compatible plan with such a low deductible, but it's a UniCare offering, so we mention it.

2007 Benefits include:
   - $1100 single deductible
   - $2200 family deductible
   - 80% network coverage
   - $10/$30/$50 co-pay Rx card*

Plan 2

The deductibles for this plan are fixed. This is a lower cost alternative for someone who wants a deductible near the HSA contribution maximum. Benefit include:
   - $2600 single deductible
   - $5200 family deductible
   - 80% network coverage
   - $10/$30/$50 co-pay Rx card*

Plan 3

The deductibles for this plan are also fixed. This is a great plan for people who are comfortable with a "higher" high-deductible plan that is HSA-compatible. Benefits include:
   - $5000 single deductible
   - $10,000 family deductible
   - 100% network coverage
   - $10/$30/$50 co-pay Rx card*

No Durational Rating

Most health insurers charge lower rates for new customers and higher rates for their longer-term customers. This is known as durational rating, and UniCare doesn't do it.

In determining rate adjustments, UniCare makes no distinctions based on how long a policy has been in effect. This translates into superior long-term relative cost stability for UniCare clients.

Outstanding PPO Networks

In Indiana, UniCare clients can gain financial advantage by utilizing providers in the Blue Access network, which is owned by UniCare's parent, Wellpoint, and also utilized by Anthem Blue Cross and Blue Shield in Indiana, UniCare's sister company.

Not only do UniCare HSA-compatible plan customers get an extensive choice of PPO providers, they also pay less for health care services. This is a result of the extensive discounts negotiated with participating physicians and hospitals.

UniCare is Part of Wellpoint

UniCare is part of Wellpoint, Inc., which is the nation's leading health benefits company serving the needs of approximately 34 million medical members nationwide.

WellPoint is a Blue Cross or Blue Cross Blue Shield licensee in 14 states: California, Colorado, Connecticut, Georgia, Indiana, Kentucky, Maine, Missouri, Nevada, New Hampshire, New York, Ohio, Virginia, and Wisconsin.

Wellpoint also operates under the UniCare name in 10 states, including some of the states where they are also the Blue Cross Blue Shield licensee.