Choice, Affordability & Flexibility.

UniCare offers Small Group plans to companies with 2 to 50 employees. UniCare understands the needs of today's entrepreneurs and offers flexible Small Group programs with affordable pricing options for :

• Health
• Dental
• Life and AD&D

Insurance coverage may be provided by any one of the following companies: UniCare Health Insurance Company of the Midwest, UniCare Life & Health Insurance Company or UniCare Health Plans of the Midwest Inc. (collectively referred to hereafter as "UniCare").

Customized Small Group programs

UniCare helps employers like you offer an employee benefits program that meets your health insurance and financial needs.

Flexible and affordable pricing options

The UniCare flexible approach makes Small Group coverage affordable for you and your employees. You, the employer, also decide the percentage of employee and dependent premium you want to contribute, allowing you better control of costs. (Employers must pay at least 50 percent of employee premium costs under certain defined contribution plans where employers must pay $80, $100, or more per employee per month or the amount of the employee's premium for the month, whichever is less.)

Access to quality care at discounted fees

With the UniCare plans, you and your employees are free to choose your health care providers. When you choose independently contracted providers from the preferred provider network, costs to you are reduced.

These providers accept specially negotiated fees — what we term," The UniCare Advantage." You will usually pay more for the services of out-of-network, nonparticipating providers.

The Platinum Network Travel Access Program – extending your provider access.

In addition to a local provider network, UniCare provides PPO members with access to independently contracted network providers within the continental United States through the Platinum Network Travel Access program.*

Through the Platinum Network, Small Group members traveling out of their home states now have access to independently contracted network providers with negotiated rates by contacting Travel Access. Members must call Travel Access to take advantage of UniCare's in-network provider negotiated rates for non-emergency health services while traveling.

*Program Conditions and Limitations include and are not limited to the following: this program has limited availability including limited geographical availability and requires insureds to follow program procedures and requirements. Platinum network providers have negotiated rates with UniCare and where benefits are received after following any of UniCare's procedures for the Platinum Network/ Travel Access program that may be applicable, covered benefits will be considered by UniCare at the in network schedule of benefits. Program may be discontinued.