Unicare Premier No Deductible Health Insurance Plan
| Plan Feature | In-Network | Out-of-Network |
| Annual Deductible1 | None | Additional $1,000 out-of-network deductible per member, per year |
| Annual Out-of-Pocket Maximum1 Amounts shown plus applicable deductibles |
$3,000 per member $6,000 per family |
$10,000 per member $20,000 per family |
| Amounts shown below are UniCare's payment after applicable deductibles are met, unless otherwise noted. | ||
| Plan Feature | In-Network | Out-of-Network |
| Lifetime Maximum Benefit | UniCare pays up to $5,000,000 per member | |
| Office Visits All medical office visits and exams for any covered illness or injury. Office visits associated with preventive care for babies and children (through age 6). Office visits associated with a routine Pap smear, annual mammogram colorectal cancer screening or PSA screening. |
$30 copay, unlimited visits, deductible waived. | 60% |
| Preventive Care Maximum covered expense of $200 per member, per year |
||
| Immunizations for babies and children (through age 6) | 80% | 60% |
| Adult Preventive Care, Lab./X-ray for routine Pap smear, annual mammogram, colorectal cancer screening or PSA screening | 80% | 60% |
| Other Routine Care services not outlined above, such as flu shots or routine physical exams/tests | 80% | 60% |
| Professional Services Surgery, anesthesia, radiation therapy and in-hospital doctor visits |
80% | 60% |
| Lab Work and X-rays | 80% | 60% |
| Inpatient Hospital Services1 | 80% | 60%, less a $500 deductible for non-emergency stays |
| Outpatient Medical Care2 | 80% | 60% |
| Initial Care of a Medical Emergency1,2 Inpatient or outpatient |
80% | 80%3 |
| Physical Therapy, Occupational Therapy, and Acupuncture | Maximum payment of $30 per visit, up to 12 visits per member, per year for all of these services combined | |
| Ambulatory Surgical Center1 | 80% | 60% |
| Ambulance Service | 80% with a maximum covered expense of $750 per trip, air or ground | 60% with a maximum covered expense of $750 per trip, air or ground |
| Durable Medical Equipment | 80% | 60% |
| Outpatient Prescription Drug Benefit5 | In-Network | Out-of-Network |
| Retail Pharmacy Per prescription (up to a 30 day supply) |
||
| Generic Not subject to deductible |
$10 co-payment | UniCare pays 50% of the average wholesale price |
| Brand Name Drugs $50 Brand Name Deductible applies |
You pay a $25 copay | UniCare pays 40% of the average wholesale price |
| Mail Service Per prescription (up to a 60-day supply) |
||
| Generic Not subject to deductible |
$20 co-payment | Not available |
| Brand Name Drugs $250 Brand Name Deductible applies |
You pay a $50 copay | Not available |
| 1 Services may require preservice review or authorization by UniCare or you will be required to pay an additional deductible or penalty. 2 Emergency room visits that do not result in an inpatient admission will be subject to an additional $60 deductible per visit. 3 Until transferable to a participating hospital; if stay continues thereafter, then 60% subject to a $500 deductible. 4 Certain prescription drugs may require prior authorization by UniCare. |
||
| READ YOUR POLICY CAREFULLY; This outline of coverage provides a brief description of the important features of the Policy. This is not the insurance contract, and only the actual Policy provisions will control. The Policy itself sets forth in detail the rights and obligations of both you and your insurance company. It is, therefore, important that you READ YOUR POLICY CAREFULLY! |