Indiana Small Group Plans for Consumers

It's time for health care that offers "A Healthy Dose of Innovation.SM" The UniCare plan offered by your employer provides coverage throughout Indiana. UniCare takes an approach to health care coverage that emphasizes flexibility and convenience. Learn more about how UniCare can help you live well by following the links below:

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UniCare offers major medical health insurance to Indiana companies with 2-50 employees. UniCare emphasizes quality care, freedom of choice, and an extensive network of physicians, hospitals, and other health care providers. When using UniCare participating Providers, your employees and their dependents are given negotiated discounted rates which, in turn, provide them with the quality care they deserve while reducing their out-of-pocket costs.

How UniCare Participating Providers Save You Money

UniCare reduces health costs without sacrificing quality of care or choice of health care providers.

When you choose a provider from the UniCare network, UniCare pays a higher percentage of the cost because its providers have agreed to accept the lower negotiated rate. Therefore, your out-of-pocket costs will be lower.

If you choose a doctor or hospital that is NOT part of the network (a nonparticipating provider), UniCare will still provide you with benefits. However, UniCare will pay a smaller portion of the bill, and the bill may be substantially higher than with participating providers. You will be responsible for any balance due and your out-of-pocket costs may be significantly higher when you use a nonparticipating provider.

Composite Rating Option

Composite rating is an additional rating option for larger size groups. To choose composite rating, your group must have 25 or more enrolling employees. When you choose composite rating for your group, your employees will have the same rate for each benefit plan in one of four family categories: Employee Only, Employee and Spouse, Employee and Children and Family.

BusinessFlex® — Offer more affordable choices, stability and value you and your employees may need!

Selecting the right insurance plans for you and your employees is a matter of balancing needs. UniCare can help. BusinessFlex® combines reliable UniCare insurance coverage with exciting innovative features including:

  • MemberFlex®
    Flexibility of plan choice for your employees
  • Defined Contribution
    Options that provide you with more control over your share of employees' insurance premiums
  • Premium Only Plan
    Decrease your payroll taxes by enabling your employees to pay their share of benefits with pre-tax dollars
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