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UniCare
Texas Plan Details
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When you use UniCare in-network
(participating) providers,
your costs are based on
a specially negotiated rate
for UniCare that may often
save you money. When you
use out-of-network (nonparticipating)
providers, your costs are
based on charges deemed
to be reasonable for that
service and area. Reasonable
charges may be less than
your provider's billed charges
and often result in higher
costs to you.
For a detailed description
of coverage, benefits, limitations,
and exclusions, please refer
to the applicable health
insurance plan booklet.
Please see the section entitled,
Utilization Review, Authorization
and Penalties , for important
information regarding penalties
that may apply. Get
a Quote /
Apply Now / Download
Applications
| Individual
Health Insurance PPO
Plans for Individuals
& Families |
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UniCare offers
a selection of individual
health insurance plan options
with varying benefits and
annual deductibles. PPO plans
offer the freedom to choose
your health care provider.
You also have access to care
at discounted fees by using
independently contracted doctors
and medical facilities that
participate in UniCare’s network.
( TXIMDED0805, TXIMDED0805-01,
TXIMEDWP0805
Get a Quote /
Apply Now / Download
Applications
High-Deductible
(HSA-Compatible) Health
Insurance Plans
A Health Savings
Account (HSA) is
a savings account that allows
eligible individuals to
save money that can be used
to pay for qualified medical
expenses on a tax-free basis.
All HSA-compatible health
insurance plans are required
to meet certain federally
mandated deductible and
out-of-pocket requirements.
For more information on
HSAs, consult with your
tax advisor.
UniCare offers a variety
of High-Deductible Health
Plans, each with a different
annual deductible amount
for both individuals and
families. (TXIHDHP0304,
TXIHDHP0904, TXIHDHP0405)
Get
a Quote /
Apply Now / Download
Applications
Consumer Choice Health
Insurance Plans*
UniCare’s Consumer Choice
PPO Plans provide you with
the benefits you want without
the additional cost of benefits
you may not need. Changes
in legislation have allowed
UniCare to remove certain
mandated benefits resulting
in health insurance plans
that may be tailored to
your needs and budget.
*State mandated benefits
not included are: mental
or nervous disorders including
those with organic disease;
off label drugs; prescription
contraceptive drugs and
devices and related services;
telemedicine/telehealth;
limited coinsurance differential
between participating and
nonparticipating of no more
than 30%. (TXIDMF0903,
TXICCDEDWPD0903, TXICCDSC0704)
Short-Term Health
Insurance Plans Get
a Quote /
Apply Now In today’s
market, more people than
ever need short-term health
insurance medical coverage.
UniCare offers Short-Term
PPO health insurance plans
for both individuals and
families. If you qualify,
this insurance plan provides
immediate coverage and is
ideal if you are: (TXIST0902,
TXIMSTAPP0902)
- between jobs
- a recent college graduate;
or
- waiting for permanent
individual or employer
coverage.
A Short-Term Insurance
Plan provides coverage for
a minimum of 30 days and
up to a maximum of 180 days
based on a per-member, per-day
rate. The plan may start
and end on any day of the
month.
Texas Individual and Family
Health Insurance Plans
Get
a Quote /
Apply Now
Underwritten by UniCare
Life & Health Insurance
Company
UniCare Life & Health
Insurance Company is rated
"A+" by Standard & Poor's
Financial Strength Rating
Analysis and "A-" (excellent)
for claims-paying ability
by A.M. Best, an independent
insurance industry analyst
that bases its rating on
operating performance and
financial stability.
UniCare's parent company,
WellPoint, is the largest
health benefits company
in the nation. UniCare and
other WellPoint companies
serve the health benefits
needs of approximately 28
million medical members.
The primary limitations
and exclusions for each
of the plans are listed
above. Please take a few
moments to review this information.
We want you to understand
what your coverage doesn’t
include before you buy.
These listings are an overview
only. A more comprehensive
list of each plan’s limitations
and exclusions can be found
in the plan-specific policy
booklet. Only the actual
plan provisions will apply.
Insurance or health maintenance
organization (“HMO”)
coverage underwritten by
UniCare Life & Health
Insurance Company, UniCare
Health Insurance Company
of Texas, UniCare Health
Plans of Texas, Inc. (HMO
only in Texas), UniCare
Health Plans of the Midwest,
Inc. (HMO only in IL/IN)
or UniCare Health Insurance
Company of the Midwest (IN
and IL only) â registered
mark and SM service mark
of WellPoint, Inc. ã2005
WellPoint, Inc. www.unicare.com
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