United health One which encompasses the individual health insurance products for United Health Care includes the Golden Rule health insurance products in the Eastern part of the country, and PacifiCare in the Western states. United Health One is the name for all of these individual health insurance products. United Health Care also just completed its purchase of Sierra Health Services a health insurance company offering individual health insurance products in many states. All are available on our health insurance quote engine. American Medical Security was also purchased by United Health Care but this company was dissolved though they continue to service the health insurance policies. So if you have any of those three health insurance companies you are actually a UHC client.
Golden Rule Insurance Company, an UnitedHealthcare company based in Indianapolis, Indiana, U.S.A., has offered health insurance to individuals and families for more than 60 years. It offers a type of health insurance known as a health savings account (HSA), and was closely involved in the political discussions that led to the enactment of legislation that offered tax incentives to consumers who set up health savings accounts. In April 2007, Golden Rule launched HSAcenter.com
This website offers general, comprehensive information about HSAs so that consumers can better educate themselves about health savings accounts and how they work, but what is really interesting is that its political action committee has raised substantial funds for Republican politicians who support health savings accounts.
Golden Rule became a UnitedHealthcare company in 2003. UnitedHealthcare’s individual line of business, which includes Golden Rule, PacifiCare, American Medical Security (AMS), MAMSI, Oxford Health Plans and UnitedHealthcare administered by Golden Rule, currently offers PPO health insurance and HMO products to individuals and families in 40 states and the District of Columbia.
United Health One Health Insurance Plans
Nationally, the United Health One (Golden Rule) health insurance plans are very similar. Their plans include the traditional plans called the Copay Select plans, their Health Savings Account plans, and their modified Plan 100/Plan 80′s aka their High Deductible plans.
United Health One offer the best prescription plan in the country (Aetna’s plan is also outstanding as they have an excellent mail order plan) and this plan is included in the Copay Plus series only. Their high deductible plan and HSA plan are also very good with prescriptions but only after the deductible is met (which it usually is not as it is so darn high!) These plans include a $15-20 charge for generics (prices vary state to state) and a $50 cost for name brand. The name brand is after a $250 calendar year deductible, which goes quick as the price of pharmaceuticals in this country are outrageous.
Our Health Plans Include:
HSA (health savings account) Plans
Those who may prefer a HSA Plan:
- People who prefer lower premiums with higher deductibles
- People who prefer lower premiums with higher deductibles
- Individuals, especially those who are self-employed, that would like to utilize triple tax advantages
Copay Plans
Those who may prefer a Copay Plan:
- Those who are comfortable with employer-sponsored health insurance and want that sort of plan design.
- Families with young children who have regularly scheduled doctor office visits.
- Adults who want Copay benefits for preventive care and prescription drugs.
High Deductible Plans
Those who may prefer a High Deductible Plan:
- Costs less than more traditional Copay plans
- Anyone seeking lower cost protection from unexpected accidents and illnesses
- Early retirees needing a bridge to Medicare
Dental Insurance provides coverage from dental cleanings to root canals.Our dental insurance plans provide you with the coverage you need to promote good dental health.
Our Short Term Medical insurance can be an alternative to COBRA health insurance and can provide temporary health insurance for individuals who may have:
- Lost Coverage through recent job or life changes
- Recently graduated and are no longer covered by your parent’s plan
- A job as a seasonal worker
- Begun enjoying early retirement and are waiting for Medicare
- Recently completed COBRA insurance coverage
For costs, benefits, exclusions, limitations, eligibility, and renewal terms, call a licensed advisor to discuss your health plan options at (800) 444-8990 or get a free quote
East Coast Health Insurance offers United Health One, PacifiCare, and Golden Rule in all 40 states in which they are offered through our health insurance quote engine and we have added individual United Health One pages about the plans in your state in:
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