Health Insurance Benefits and Options

Health Insurance Benefits and Options

Health Insurance Benefits

Golden Rule Insurance Company underwrites the health insurance policies for UnitedHealthOne. Coverage and availability for each plan may vary by state. No coverage is available for the states of New Mexico or Georgia. Some of the perks you will find with UnitedHealthOne include:

Claims Processing: A majority of claims are processed within 10 working days or less
Deductible Credit: For renewable health insurance plans, you can increase your deductible for up to 50%.
Preventative Care: 100% coverage for preventative care with no deductible requirement
Provider Network: large provider care network with savings for in-network providers of up to 50%
Dependent Coverage: Coverage for children up to age 26
Specialized Care: No referrals required when for required specialist care
Health Insurance Options

There are many options with UnitedHealthOne including copay plans, HSA plans, dental insurance and short-term health insurance coverage. There are high deductible plans available with critical illness coverage if you are trying to stay within a budget. You can customize your coverage from the minimum to maximum amount of coverage depending on your individual situation and finances. There are set co-pay plans where you pay a portion of the expensive for routine healthcare.

There are also HSA or health savings plans available where you can save toward your deductible and other healthcare related expenses. With the HSA, you can enjoy the benefit of paying a lower premium for a high-deductible policy while saving to cover your out-of-pocket deductible expenses. HSA plans have deductibles varying from $1,250 to $10,000. The most affordable option is the HSA70, where you will pay 30% co-insurance after you have met the deductible. If you are looking for more comprehensive coverage, you may choose the HSA100, where you pay $0 out-of-pocket expenses after you have met the calendar-year deductible.

Pros and Cons