Questions and Answers
About the SecurityChoice Plan
- How are providers reimbursed?
- How long will it take UniCare SecurityChoice to pay a claim?
- Does UniCare SecurityChoice cover everything that Medicare covers?
- How does a provider know that a Medicare beneficiary is enrolled with UniCare's SecurityChoice?
- Are there network or utilization restrictions?
- Who is UniCare Life & Health Insurance Company?
How are providers reimbursed?
Providers collect copayment or coinsurance amounts, if applicable, from SecurityChoice members at the time of service, and then directly bill UniCare for the balance. Providers are reimbursed at the equivalent of the current Medicare allowable amount for Medicare-covered services.
How long will it take UniCare SecurityChoice to pay a claim?
SecurityChoice, a Medicare Advantage Plan, is required to pay "clean" (complete and error free) claims within 30 days of receipt.
Does UniCare SecurityChoice cover everything that Medicare covers?
Yes! SecurityChoice members receive the same benefits they would receive under Original Medicare. In addition, SecurityChoice covers certain routine services not covered by Medicare.
How does a provider know that a Medicare beneficiary is enrolled with UniCare's SecurityChoice?
A UniCare SecurityChoice member will present his/her ID card at the time of service. The member's ID card clearly indicates that he/she is a UniCare Security Choice member, and it lists the toll-free customer service telephone number and gives the address where claims should be submitted.
Are there network or utilization restrictions?
No! UniCare SecurityChoice members are not resticted to a network of providers. Members can access any physician in the U.S. who holds a valid license, a Medicare billing number (or is eligible to obtain one), possesses applicable certifications to treat Medicare beneficiaries, and agrees to the Terms and Conditions of the Plan. There are no referral or prior authorization requirements to access Medicare covered services.
Who is UniCare Life & Health Insurance Company?
UniCare serves approximately 1.8 million medical members and is the national operating subsidiary of WellPoint, Inc., one of the nation's largest publicly traded health care companies. WellPoint serves the health care needs of more than 28 million medical members nationwide. WellPoint offers a broad spectrum of quality network-based health products including open access PPO, POS and hybrid products, HMO and specialty products. Specialty products include pharmacy benefit management, dental, utilization management, vision, mental heath, life and disability insurance, long term care insurance, flexible spending accounts, COBRA administration, and Medicare supplements. Together we are a leading national health insurance organization.
