UnitedHealthcare North Carolina
UnitedHealthcare is the largest provider of insurance products in the nation. They insure a total of 70 million members throughout the country with employer-sponsored coverage, individual plans, Medicare, and government health benefits, among others, such as pharmacy and accident plans. UnitedHealthcare owns a host of subsidiaries to administer these various plans, one of which is Golden Rule Insurance Company, who underwrites individual and family policies under the name UnitedHealthOne. Nationally, UnitedHealthcare serves peoples needs with suitable coverage for every situation.
North Carolina is no different. UnitedHealthOne offers a full selection of plans to the North Carolina health insurance market, and to see which plans fit your needs get a United Health Care North Carolina health insurance quote now.
As a North Carolina member of UnitedHealthOne, you have access to a national provider network of 704,966 physicians and medical professionals, as well as 5,580 hospitals. Those who go out-of-state often will certainly find this assuring. Additionally, you have the option of adding any number of benefits to keep you completely covered, including dental, vision, critical illness, term life, and supplemental accident plans.
UnitedHealthOne Plans in North Carolina
Copay Select Plans
A highly recommended plan if you want the most savings on and immediate access to medical care, the Copay Select family offers flat rates for office visits and prescriptions. See a physician or a specialist for a moderate fee at any time before your deductible, and your plan covers the rest. If you need a routine exam or your child needs a vaccination, these are covered at no cost to you. After reaching the deductible, your plan pays 70, 80, or 100 percent of the cost for hospital care and many other services included with your coverage. Expect a higher monthly premium, but receive the most benefits possible.
High Deductible Plans
If you’re considering coverage but want a low monthly premium, these plans will fit your budget and keep you healthy. With these plans, you can choose from either 80 or 100 percent coverage after deductible, and select a plan with a wide array of services, or very limited coverage for a low cost. Plan 80 and Plan 100 cover physician care and prescriptions, as well as major medical services – like a copay plan without the copays. Saver 80 plans restrict members to hospital and preventive care only, though they are the least expensive. While you pay out-of-pocket, your in-network benefits are offered at a lower cost with the UnitedHealthcare network.
Health Savings Account Plans
For a high deductible plan with tax benefits, HSA plans from UnitedHealthOne are a good choice. You can reach your deductible with funds from an optional health savings account and withdraw money tax-free when used on medical care. These plans also offer a significant tax deduction, and once you’ve met the deductible you have a full range of healthcare services available for no additional cost or 30 percent coinsurance. Preventive care and wellness resources are offered for free during the course of your plan year, and if you do not meet the deductible, you can roll it over to the next year with a deductible credit.
Explore UnitedHealthOne plans and rates in your area with a free health insurance quote, and compare them with other North Carolina carriers. Call a licensed agent and North Carolina expert at 888 803 5917 to find out more about your choices.