More choices for better health
Copay
Convenience and comprehensive
coverage combined
Copay insurance plans from UnitedHealthcare's Golden Rule
Insurance Company, underwriter of UnitedHealthOne plans, offer many of the same
features, benefits, and qualifications as traditional employer insurance plans.
Copay insurance plans:
o
Require a set fee for office visits with no
copay for preventive care visits to your Preferred Network doctor
o
Cover 100% of your history and exam costs
after copayment (subject to all policy provisions)
o
Usually include prescription drug card
benefits
Golden Rule covers inpatient and outpatient medical
expenses. A Golden Rule Copay insurance plan may be right for you if you:
o
Prefer the convenience and predictability of
copayments for routine health care expenses
o
Have young children with regularly scheduled
doctor visits
o
Want copayment benefits for prescription
drugs
Health Savings Account (HSA)
·
Take control of your
health care dollars
Health Savings Accounts (HSA) from UnitedHealthcare's
Golden Rule Insurance Company, underwriter of UnitedHealthOne plans, combine a
lower-cost, high deductible health insurance plan with a tax-favored savings
account.
HSAs allow you to:
o
Deposit the money you save on premiums into
your tax-favored health savings account (HSA), subject to federal limits
o
Use these savings to pay your qualified
health care expenses until you meet your deductible
o
Have insurance start paying your covered
health care costs once your deductible is met
o
Let your unspent savings roll over year after
year and earn interest
Golden Rule HSAs may be right for you if you want:
o
More control over how your health care
dollars are spent
o
One calendar year deductible per family
o
Lower monthly premiums
o
Tax savings
High Deductible
An economical way to
protect your health
Some people prefer to pay a higher deductible, knowing
that subsequent covered expenses will be paid by their insurance plan.
With high deductible insurance plans from UnitedHealthcare's
Golden Rule Insurance Company, underwriter of UnitedHealthOne plans:
o
Your deductible is higher than other
insurance plans, but your premium is lower
o
You take responsibility for covering any
minor or routine health care expenses until your calendar year deductible is
met
o
Once you meet your deductible, your covered
health care costs are paid by insurance*
A Golden Rule High Deductible Insurance plan may be right
for you if you are:
o
Willing to pay for routine health care
expenses in exchange for lower premiums
o
An early retiree needing a bridge to Medicare
o
Looking for protection from unexpected
accidents or illnesses at a lower cost
Short Term Medical
·
Bridge the gaps in health
insurance coverage
When a life change leaves you without health insurance,
you need coverage to get you through the transition period securely and
confidently.
A Short Term MedicalSM insurance plans from UnitedHealthcare's Golden Rule
Insurance Company, underwriter of UnitedHealthOne plans, can:
o
Help smooth a life transition by making sure
you're never without insurance coverage
o
Offer optional periods of coverage from 1 to
11 months.*
A Golden Rule Short Term Medical insurance plan may be
right for you if you are:
o
Between jobs or unemployed
o
A young adult finished with school, or a
student no longer covered under a parent's insurance plan
o
An early retiree
o
Waiting for other coverage to begin
We offer a range of deductibles, payment options and
lengths of coverage. You can also drop your Short Term Medical coverage at any
time without penalty.
Don't worry about the
future. Prepare for
it.
it.
You're young and healthy. Why should you care about
health insurance? Because just one accident or serious illness could jeopardize
your academic plans, along with your future.
UnitedHealthcare Student Coverage offers:
o
Coverage for essential medical services
year-round, on- or off-campus
o
Coverage from a leader in the student health
industry, backed by the strength of United HealthCare Insurance Compan
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