UnitedHealthOne, or Golden Rule, provides a vast quantity of the nation’s individual and family health insurance coverage, as they are the individual product of healthcare giant UnitedHealthcare. Golden Rule Insurance Company, a UnitedHealthcare company, has been an underwriter and administrator of UnitedHealthOne plans for about a decade, and has sold individual health plans for over 65 years. Connected to one of the nation’s largest health care organizations, UnitedHealthOne provides consumer-directed and comprehensive plans, as well as low cost options for Texans. As a UnitedHealthOne member, you have access to a national PPO network of 754,000 medical professionals and physicians, and 5,400 hospitals to meet your needs.
Plans in Texas are exactly like those in other states where United carries their individual plans, including Copay Select, HSA, and high deductible plans. Depending on your demographic and geographic, UnitedHealthOne may be a great fit for your budget, as they offer some very low cost coverage for certain residents. Individuals also have the option of supplemental benefits such as dental, accident, and term life to boost their level of protection. UnitedHealthOne/Golden Rule received an A (Excellent) rating from A.M. Best for their financial strength, and an A+ from Standard and Poor’s, however, they have not received about average feedback from members according to J.D. Power and Associates. Their most recent review showed UnitedHealthcare just below the Texas regional average for member satisfaction.
UnitedHealthOne Plans in Texas
Copay Select Plans
Offering the highest level of coverage among UnitedHealthOne plans, Copay Select plans appeal to the need for first dollar benefits such as generic drugs and office visits. With coverage for both primary care doctors and specialists, members have access to several types of services before their deductible is met. After deductible, more services are included with low cost sharing of either 0, 20 or 30 percent coinsurance in network. Get the greatest amount of protection and find the combination of deductible, coinsurance, and premium that works for you.
High Deductible Plans
Plan 100, Plan 80, and Saver 80 offer a lower monthly premium with a high deductible, and only preventive care covered throughout your plan. Members are given full out-of-pocket responsibility until the deductible has been reached, and then these plans cover 80 or 100 percent of the costs. Saver 80 plans are the most risky yet cost-effective, with minimal coverage for basically only hospital care and diagnostic testing. Plan 100 and Plan 80 cover prescriptions and office visits after deductible, but make sure you are willing to pay full price for services before you commit to these plans.
Health Savings Account Plans
As a high deductible plan, HSAs require a strong level of responsibility for medical costs prior to the deductible, with only prevention and wellness coverage beforehand. Once you deductible is met, prescriptions, physicians, and major medical care of all sorts are covered at 70 or 100 percent. HSA plans allow members to connect their plan with a tax-favored health savings account for future savings or paying for your medical costs. A definite benefit of HSA plans is the low monthly premium that allows for more money to go into your HSA.
Find out more about UnitedHealthOne plans in Texas by calling a licensed agent at 888 803 5917 now, or doing your own research with an instant health insurance quote.