UnitedHealthOne

UnitedHealthOne was started in 2002 with the purchases of Golden Rule health. Several years after the acquisition in 2008, United Healthcare/Golden Rule changed the name to UnitedHealthOne. Today the company is one of the fastest growing divisions of United Healthcare with the new emergence of consumerism in the health insurance market.

UnitedHealthOne offers a nationwide product platform in addition to a nationwide provider network that members can access with ease. This UnitedHealthOne health insurance product create a great solution for those seeking high quality health insurance coverage for children who may be traveling to other states to attend collage. The flexibility of a nationwide network also offers convenience when traveling. If you fall ill, simply look up a United Healthcare provider and you have access.

Today, UnitedHealthOne offers individuals & families a variety of options when it comes to selecting a health insurance program. These health plan options consist of the Health Savings Accounts, High Deductible Health Plans, and Copay plans for those looking for first dollar health insurance coverage.

Product Overview

The UnitedHealthOne HSA 100 is recommended for those interested in reducing premium, prefer simple coverage, and those interested in the tax savings associated with the HSA health plans. This HSA compatible health plan offers comprehensive coverage with 100% coinsurance after the deductible for covered expenses on doctor office visits, Rx coverage, preventative care, inpatient hospital services and outpatient services. These United HealthcareOne HSA’s are offered in a variety of deductibles and you can access these quotes at www.GetHealthInsurance.com.

United Health One HSA 100 Plan Highlights

• Deductible options
  
  • Single- $1,250, $2,500, $3,500, or $5,000
  • Family- $2,500, $5,000, 7,000 or $10,000
• After the member has met the health plan applicable deductible, covered medical expenses are paid at 100%
• Dr. office visit copay of $35 for Preventative. No charge for Illness and Injury after deductible
• Preventative care benefits through the United Health One HSA 100 Plan has a 90 day waiting period and are covered at 100%
  
  • No waiting period for: Mammogram, Pap Smear and PSA screening
• Prescription Drugs: Preferred price card, no charge after deductible. Annual 3,000 max

Optional Benefits:

• 24 month initial rate guarantee
• Remove $3,000 annual maximum for prescription drug

The HSA 70 fits individuals looking for low premiums and those who are comfortable with catastrophic coverage and willing to pay for the smaller, routine type health care. The HSA 70 is priced 25% less than the HSA 100. The United Healthcare HSA saver offers limited coverage but is priced affordable. We recommend this United Healthcare plan over not having insurance any day.

United Health One HSA 70 Plan Highlights

• Deductible options:
  
  • Single- $1,250, $2,500, $3,500, or $5,000
  • Family- $2,500, $5,000, $7,000 or $10,000
• Coinsurance 70/30
• Out of pocket max $3,000 after deductible
• Dr. office visit copay of $35 for Preventative. Illness and Injury office visits are subject to coinsurance after deductible
• Preventative care benefits through the United Health One HSA Plans have a 90 day waiting period and are subject to coinsurance
  
  • No waiting period for: Mammogram, Pap Smear and PSA screening
• Prescription Drugs: Preferred price card, subject to coinsurance after deductible. Annual 3,000 max

Optional Benefits

• 24 month initial rate guarantee
• Remove $3,000 annual maximum for prescription drugs

United Health One HSA brochures: http://www.goldenrule.com/health/health-savings.shtml

United Health One offers individuals & families additional high deductible plans that are not HSA qualified such as the United Health One Plan 100, Plan 80, and Saver 80 which provide flexibility to costumers looking for the right plan at the right price. If preventive care is important to you, and you are going to choose a high deductible health plan, stick to the UnitedHealthOne Plan 100, or the UnitedHealthOne Plan 80 as the UHC Saver 80 does not offer preventive coverage. Please contact a GetHealthInsurance.com agent for more information on these High Deductible Health plans offered through United Health One.

United Health One Plan 100 is a simple plan offering a straight deductible with no first dollar coverage. This means that the member is responsible for 100% of the plan deductible prior to receiving benefits, or claims dollars paid to the provider from United Healthcare. After the United Healthcare member has meet the deductible, services such as doctor office visits, Rx coverage, preventative care, and impatient and outpatient services are covered at 100%. The United Healthcare Plan 100 also offers preventive care benefits. Please contact a GetHealthInsurance.com agent at 1.877.236.7444 for more information on these high deductible plans offer through United Health One.

United Health One Plan 100 Highlights

• United Health One Co-Pay Select Deductible options: $1,500, $2,500, $5,000, $7,500 or $10,000
• After the member has met the health plan applicable deductible, covered medical expenses are paid at 100%
• Preventative Care as well as Illness and Injury are covered at 100% after deductible
  
  • Preventative care benefits through the United Health One Plan 100 have NO waiting period
• Prescription Drugs: Preferred price card, no charge after deductible. Annual 3,000 ma

Optional Benefits

• 24 month initial rate guarantee
• Remove $3,000 annual maximum for prescription drugs
• Prescription Drug Copay
  
  • you pay: Tier 1- $15 not subject to deductible. Tier 2-4 a combined $200 deductible must be met then Tier 2- $35 copay, Tier 3- $65, Tier 4- you pay 25% coinsurance. Max 3,000 per person, per calendar year
• Preventative Care Benefit
  
  • first dollar coverage
  • $35 dr. office visit copay

United Health One Plan 80 is similar to Plan 100 but offers 80/20 coinsurance. This does expose the member to more out of pocket cost at the point of service however the monthly health insurance premium is approximately 15%-25% less than the United Health One plan 100.

United Health One Plan 80 Highlights

• United Health One Deductible options: $1,250, $2,500, $5,000, $7,500 or $10,000
• 80/20 Coinsurance
• Maximum out of pocket cost of $3,000, after deductible is met
• Preventative Care as well as Illness and Injury are subject to coinsurance after deductible
  • Preventative care benefits through the United Health One Plan 80 have NO waiting period
• Prescription Drugs: Preferred price card, subject to coinsurance after deductible. Annual 3,000 max

United Health One Optional Benefits

• 24 month initial rate guarantee
• Remove $3,000 annual maximum for prescription drugs
• Prescription Drug Copay
  
  • you pay: Tier 1- $15 not subject to deductible. Tier 2-4 a combined $200 deductible must be met then Tier 2- $35 copay, Tier 3- $65, Tier 4- you pay 25% coinsurance. Max 3,000 per person, per calendar year
• Preventative Care Benefit
  
  • first dollar coverage
  • $35 dr. office visit copay

The United Health One Saver 80 is the most affordable plan of the High Deductible Health Plans available form United Healthcare. This plan is priced 30%-40% less in monthly premium than the Plan 100 and offers 80/20 coinsurance until the member has reached $15,000 in out of pocket expenses. After reaching the out-of-pocket max expenses the plan kicks in at 100%. Individual and families should understand that this health insurance coverage is limited and should be looked at as more like catastrophic major medical coverage. Outpatient doctor visits and Rx are not covered under the United Health One Saver 80. For more information on the United Health One Saver 80 please contact a licensed agent at www.GetHealthInsurance.com (Get Health Insurance).

United Health One Saver 80

• United Health One Deductible options: $500, $1,000, $1,500, $2,500, $5,000, $7,500 or $10,000
• 80/20 Coinsurance
• Maximum out of pocket cost of $3,000, after deductible is met
• Preventative Screening such as Mammograms, Pap Smears and PSA screening are subject to coinsurance after deductible
  
  • Preventative care benefits through the United Health One Plan 80 have NO waiting period
• Prescription Drugs: Discount RX card

Optional Benefits

• 24 month initial rate guarantee
• Preventative Care Benefit
  
  • first dollar coverage
  • $35 dr. office visit copay

United Health One Plan 100, Plan 80 and Saver 80 Brochures, http://www.goldenrule.com/health/high_deductible.shtml

The United Health One Copay Select Plans is the most comprehensive plan offered through United Healthcare today. The United Health One Copay Select Plan offers unlimited number of office visits for general practice and specialist visits. Additionally, the plan offers the same copay for urgent care services as well.

The Rx coverage on the Copay Select offers a four tier copay structure for drugs with a deductible prior to the Rx copay for name brand drugs or what would normally be considered Tier 2 or 3 brands. As previously mentioned there are no Rx deductibles for United Health One Plans generic drugs, and no deductible for tier 1 drugs. Tier 4 drugs require that you pay a 25% coinsurance after you meet the separate RX deductible.

United Health One Copay Select Plan Highlights

• United Health One Deductible options of: 500, 1,000, 1,500, 2,500, 5,000, 7,500 or 10,000
• Coinsurance options of: 70/30, 80/20, or 100%
• Maximum out of pocket cost, after deductible, options of $0 $3,000 or $5,000
• Dr. office visit copay of $35
• Preventative care benefits through the United Health One Copay Select Plan has a 90 day waiting period, no deductible, but subject to applicable coinsurance on selective preventative services.
  
  • No waiting period for: Mammogram, Pap Smear and PSA screening

Optional Benefits

• 24 month initial rate guarantee
• Buy down to a $25 copay for Dr. office visits
  

The United Health One Copay Saver is the most affordable copay plan available through United Health One. This plan offers two doctor office visits at a copay and only covers generic drugs, name brand, tier 2, 3, & 4 drugs, are not covered. However coverage for costly expenses such as inpatient hospital & outpatient surgery is covered under the deductible and coinsurance. The United Health One Copay Saver is priced 20-30% less that the Copy Select See product brochure for complete description of preventive care benefits as the benefits may change form state to state.

United Health One Copay Saver Plan Highlights

• Deductible options of: 1,500, 2,500, 5,000, 7,500, or 10,000
• Coinsurance 80/20
• Maximum out of pocket cost, after deductible of $3,000
• Preventative care benefits through the United Health One Copay Select Plan has a 90 day waiting period, and are subject to applicable coinsurance on select preventative services.
  
  • No waiting period for: Mammogram, Pap Smear and PSA screening
• 2 Dr. office visits at a $35 copay per calendar year

Optional Benefits

• 24 month rate guarantee
• Additional Preventative care benefits*
• 90 day waiting period is removed
• Unlimited Dr. Office visits at a $35 copay
• Child and adult immunizations covered
• 2 additional Dr. office visits per person, per calendar year
  

United Health One Copay plans Brochures http://www.goldenrule.com/health/copay.shtml

*Some United HealthcareOne Plans are not available in some states and benefits may vary slightly form state to state. See product brochure for complete description of plans or call GetHealthInsurance.com and speak with an agent.

UnitedHealthOne Most Popular Individual and Family Plans Sold

Ranking	Plan	Deductible
1st	HSA 100®	$2,850 / $5,650
2nd	Copay SelectSM	$2,500
3rd	Plan 100®	$2,500
4th	Copay SaverSM	$2,500
5th	Saver 80SM	$2,500

*Actual Brokerage health sales results 2007

List of UnitedHealthOne One Plans

UnitedHealthOne Plan 80
UnitedHealthOne Plan 100
UnitedHealthOne Basic Plan
UnitedHealthOne Copay 25 Plan
UnitedHealthOne Copay 35 Plan
UnitedHealthOne Copay 45 Plan
UnitedHealthOne Copay Saver
UnitedHealthOne Family HSA 100
UnitedHealthOne Family HSA Saver
UnitedHealthOne Saver 80
UnitedHealthOne Single HSA 100
UnitedHealthOne Single HSA Saver
UnitedHealthOne Copay Select
UnitedHealthOne Copay Plus

*For a complete listing of benefits, exclusions and limitations please refer to the certificate of insurance. In the event there are discrepancies with this information on the GetHealthInsurance.com web site, the terms and conditions of the coverage documents will govern. Benefits, exclusions and limitations may vary from State to State. GetHealthInsurance.com and GHIC Corporation can not be sure that the information provided is 100% accurate because health insurance companies are continually changing health insurance benefits and language. We recommend you review full up to date coverage documents from the insurance company prior to making any financial decisions or commitments. Please call the GHIC Corporation HELP DESK at 877.236.7444. 8:30AM- 9:00PM Est. if you have any questions or need further assistance.