UnitedHealthOne is one of the nation’s most well represented individual health plans, with more states covered than almost any other insurer. As part of the UnitedHealthcare network, these individual and family plans also have access to one of the nation’s largest provider networks. In the United States, UnitedHealthcare contracts with 704,966 medical professionals and 5,580 hospitals. They offer health plans on every market, from government plans to private group and individual plans, and meet a high level of financial criteria from insurance ratings organizations: “A+” (Strong) from Standard and Poor’s, and “A” (Excellent) from A.M. Best. Golden Rule Insurance Company underwrites UnitedHealthOne plans, and they themselves have been in the individual health insurance business for more than 65 years.
Pennsylvania residents can look forward to a fixed menu of services, as UnitedHealthOne plans are basically the same in every state with slight variation. Their main courses include Copay Select plans, Traditional (which isn’t all that traditional as they do not include copays) coverage in Plan 100, Plan 80, and Saver 80, and two choices of HSAs. The only parts that change from one region to another (at times) are the deductible choices, and sometimes coinsurance, though this is usually also streamlined. There are many different cost options to choose from, and if they offer an affordable plan in your region, the company is still reputable and your coverage will serve its purpose.
UnitedHealthOne Plans in Pennsylvania
Copay Select Plans
These plans are your best bet from UnitedHealthOne, offering immediate coverage on office visits for illness or injury with a physician or specialist for a copay. Generic prescriptions are also covered for a predictable rate, with brand names subject to a separate $500 deductible. Once members have met the deductible, the plan covers either 70, 80 or 100 percent of your major medical costs, or any other covered service received in-network. Though your monthly rate is higher, your cost sharing is much lower than other plans.
High Deductible Plans
Lower monthly premiums leave members responsible for all of their medical service costs until their deductible is reached. Available in Plan 100, Plan 80, and Saver 80 options, these plans range in terms of coverage, some of which cover most necessary benefits after deductible at either 80 or 100 percent. Saver 80 plans are the most minimal plans, with no coverage for physicians or prescriptions. Preventive care is free of charge when using in-network providers with each of these plans, and the extensive UnitedHealthcare network is available for discounts.
Health Savings Account Plans
These federally qualified high deductible plans provide coverage and the ability to use any UnitedHealthcare provider at a lower cost. Open an optional health savings account (HSA) to pay for your out of pocket costs, or save your funds for the future. These plans cover either 70 or 100 percent after deductible, including prescriptions and doctor’s office visits. Stay healthy with free preventive services while other services are offered at full price.
Compare UnitedHealthOne with other carriers near you and get a Pennsylvania health insurance quote. For more company information or a personal consultation, call us at 888 803 5917 and speak with a licensed agent.