UniCare Health Plans

UniCare offers a variety of flexible and affordable health benefits plans to meet the diverse needs of your clients. To learn more about our PPO and HMO plans, click on the corresponding links below.

UniCare PPO Plans
UniCare HMO Plans

UniCare PPO Plans

UniCare PPO Plans & Platinum Network

UniCare PPO plans give members extensive choice from a roster of thousands of qualified independently-contracted physicians, hospitals and other health care providers nationwide. UniCare's commitment to quality health insurance benefits, broad choice and superior customer service are the foundation of our national PPO: UniCare Platinum Network.

National Access

UniCare PPO Plans give its members broad access to independently contracted network providers across the country. Your associates can take advantage of in-network level benefits for covered services whether they are at home, on vacation, traveling on business or away at school. And you can feel confident knowing Platinum Network allows your company to benefit from our negotiated rates across the country.

Cost Management

UniCare’s PPO helps manage health plan costs through our negotiated discounted rates, our Healthcare Quality Assurance program and other support services and educational components. These valuable, cost-effective tools help maximize a member’s plan benefits.

Convenience

UniCare handles members’ claims whether care is received at home or away. Receiving benefits for covered services is hassle-free because the system is set up so that there are no claim forms to file for in-network visits in almost all cases. Our members can also expect excellent customer service.

Healthy ExtensionsSM

There are many components to health and well being. HealthyExtensionsSM* can help your members create a personal path toward a healthier lifestyle. HealthyExtensionsSM builds on existing UniCare prevention and wellness benefits by providing access to a large selection of health and fitness materials, services and products at special discounted rates, including:

  • fitness club memberships
  • prescription eyewear
  • laser vision correction
  • weight loss programs
  • teeth whitening
  • over-the-counter pharmacy products

For a full list of discounts available through HealthExtensions, click here.

*As indicated above, HealthyExtensions is not an insurance benefit. Although offered at a discounted price, members are fully responsible for the charges associated with these materials, services and products. Materials, services and products offered by independent vendors not affiliated with UniCare, its affiliates or subsidiaries. This program is subject to change or withdrawal without notice.

UniCare PPO with Health Reimbursement Account (HRA) - UniCare CompleteChoice HealthFundSM

UniCare’s CompleteChoice HealthFundSM is an innovative consumer-directed health insurance plan with a health reimbursement account (HRA) feature, that provides members with informational web tools and educational resources they need to help them take control of how and where they spend their HRA health care benefit dollars.

For more information on UniCare CompleteChoice HealthFundSM, click here.

Are you ready to take control? Click the following link:

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Nothing in this copy should be construed as legal or tax advice. You may wish to consult your legal or tax advisor regarding tax laws.

If the health plan is provided on a self funded basis by the members employer, claims are administered by UniCare Life & Health Insurance Company, UniCare Health Plans of Texas, Inc. (HMO only in TX) or UniCare Health Plans of the Midwest, Inc. (HMO in IN and IL only). If the member’s health plan is insured or health maintenance organization coverage, the coverage is provided by one of the following companies: UniCare Life & Health Insurance Company, UniCare Health Insurance Company of the Midwest (IN and IL only), UniCare Health Plans of the Midwest, Inc. (HMO in IN and IL only), UniCare Health Insurance Company of Texas (TX only) or UniCare Health Plans of Texas, Inc. (HMO in TX only).

UniCare Health Savings Account (HSA) Plans

A Health Savings Account (HSA) is an Internal Revenue Code (IRC)-authorized, personal savings account that gives members more control over how they save for and manage their health care expenses. An HSA allows individuals to earn interest as they save for qualified medical expenses on a tax-advantaged basis.

Individuals must first be enrolled in a qualified high deductible health plan (HDHP) before they can set up an HSA. An HDHP is defined by the IRS as a health benefit plan with a minimum deductible of $1,000 for individuals and $2,000 for families, and annual out-of-pocket maximum of $5,000 for individuals and $10,000 for families.*

An HDHP and HSA work together to provide individuals with the medical coverage they need, and a tax-advantaged account to help them pay for what the plan does not cover.

While some health insurers may offer only HSA-compatible health plans, UniCare offers one-stop shopping convenience for the HSA-compatible health plan and HSA account. Through our arrangement with JPMorgan Chase, UniCare can provide your clients with a powerful combination package.

To learn more about UniCare’s HSA Plans, click here.

*The maximum contribution to an HSA is the sum of the limits determined separately for each month, based on status, eligibility and health plan coverage as of the first day of the month. For calendar year 2004, the maximum monthly contribution for eligible individuals with self-only coverage is one-twelfth of the lesser of 100 percent of the annual deductible under the HDHP (minimum of $1,000), but not more than $2,600. For eligible individuals with family coverage, the same 1/12 calculation applies. The HDHP minimum is $2,000, but not more than $5,150. In addition to the maximum contribution amount, catch-up contributions may be made by or on behalf of individuals age 55 or older and younger than 65.

UniCare HMO Plans

Our HMO plans provide affordable comprehensive health care coverage through access to an extensive network of independently-contracted physicians and specialists without sacrifice to quality. UniCare realizes that individual needs differ, which is why we offer members choice with our HMO and HMO Performance plans. UniCare HMO is offered in Illinois, northwest Indiana and Houston, Texas. UniCare HMO Performance is offered in Illinois.

UniCare HMO Plans in Illinois
Choice and Convenience

With Unicare HMO Plans in Illinois, an independently contracted network of hospitals and pharmacies are abundant and can be found in many locations near home or close to work.* Our network of providers includes:

  • 2,500+ Primary Care Physicians
  • 6,000+ specialists
  • 90+ of the region’s hospitals
  • 1,200+ pharmacy facilities including most major chains and many independent pharmacies
Quality You Can Count On

UniCare HMO Plans in Illinois has achieved EXCELLENT accreditation from the National Committee for Quality Assurance (NCQA)--the highest level of accreditation awarded to health plans that meet or exceed NCQA's rigorous requirements for quality, service, consumer protection and quality improvement standards. NCQA, an independent, not-for-profit organization evaluates a health plan's administration and delivery system--physicians, hospitals, other providers and administrative services-in order to continuously improve health care for its members.

Exceptional Customer Service

In choosing UniCare, you will work with a courteous and helpful partner that is committed to making sure your plan runs smoothly and effectively. By leveraging technologies throughout operations of the company, our customer service representatives help provide prompt, accurate service and are dedicated to the goal of providing you with prompt resolution.

Ease of Use

By logging on to www.unicare.com, answers to many questions are just a mouse click away. Members can:

  • Easily access plan coverage information
  • Select a new Primary Care Physician
  • Request a replacement ID card
  • Access our enhanced Internet Provider Finder tool to quickly locate a network provider or pharmacy
  • Find out information about discounts through our health and wellness program, HealthyExtensionsSM**

For a full list of discounts available through HealthyExtensions, click here.

*Health Maintenance Organization coverage is provided by UniCare Health Plans of the Midwest, Inc. (HMO only in IL and IN).

**As indicated above, HealthyExtensions is not an insurance benefit. Although offered at a discounted price, members are fully responsible for the charges associated with these materials, services and products. Materials, services and products offered by independent vendors not affiliated with UniCare, its affiliates or subsidiaries. This program is subject to change or withdrawal without notice.

UniCare HMO Performance Plan Illinois
Focus and Affordability

To help address your constantly evolving health benefit needs and the costs associated with those needs, UniCare has created HMO Performance, a unique HMO product in Illinois that delivers a distinctive solution.* By focusing on key providers in targeted geographic areas, HMO Performance plan can offer the same comprehensive benefits at lower premiums.

Choice

UniCare HMO Performance’s independently contracted network of providers includes 2,000 Primary Care Physicians, 4,000 specialists and more than 90 hospitals in the metropolitan Chicago area. HMO Performance members also have access to our entire pharmacy network of more than 1,200 facilities that includes most major chains and many independent pharmacies.

Exceptional Customer Service

In choosing UniCare, you will work with a courteous and helpful partner that is committed to making sure your plan runs smoothly and effectively. By leveraging technologies throughout operations of the company, our customer service representatives provide helpful service and are dedicated to the goal of providing you with prompt resolution.

Ease of Use

By logging on to www.unicare.com, answers to many questions are just a mouse click away. Members can:

  • Easily access plan coverage information
  • Select a new Primary Care Physician
  • Request a replacement ID card
  • Access our enhanced Internet Provider Finder tool to quickly locate a network provider or pharmacy
  • Find out information about discounts through our health and wellness program, HealthyExtensionsSM**

For a full list of discounts available through HealthyExtensions, click here.

*Health Maintenance Organization coverage is provided by UniCare Health Plans of the Midwest, Inc. (HMO only in IL and IN).

**As indicated above, HealthyExtensions is not an insurance benefit. Although offered at a discounted price, members are fully responsible for the charges associated with these materials, services and products. Materials, services and products offered by independent vendors not affiliated with UniCare, its affiliates or subsidiaries. This program is subject to change or withdrawal without notice.

UniCare HMO Plans in Texas
Convenience and Choice

In Houston, it’s now easier than ever for members to find an HMO network hospital or pharmacy near home or close to work. The UniCare HMO product is provided by UniCare Health Plans of Texas, Inc., which independently contracts with more than 5,000 Primary Care Physicians and Specialists and more than 50 hospitals. It has affiliations with some of the most respected medical facilities in the country. Members may also take advantage of an extensive pharmacy network of more than 1,000 network pharmacies including most major chains and many independent pharmacies.

Exceptional Customer Service

Members can count on the UniCare HMO for helpful, courteous and friendly associates committed to helping your plan run smoothly and effectively. By leveraging technologies throughout operations of the company, our customer service representatives provide helpful service and are dedicated to the goal of providing members with prompt resolution.

Ease of Use

By logging on to www.unicare.com, answers to many questions are just a mouse click away. Members can:

  • Easily access personalized plan coverage information
  • Select a new Primary Care Physician
  • Request a replacement ID card
  • Access our enhanced Internet Provider Finder tool to quickly locate a network provider or pharmacy
  • Find out information about discounts through our health and wellness program, HealthyExtensionsSM*

For a full list of discounts available through HealthyExtensions, click here.

*As indicated above, HealthyExtensions is not an insurance benefit. Although offered at a discounted price, members are fully responsible for the charges associated with these materials, services and products. Materials, services and products offered by independent vendors not affiliated with UniCare, its affiliates or subsidiaries. This program is subject to change or withdrawal without notice.