Unicare - Indiana Individual & Family Plan Descriptions
UniCare offers a selection of health plans with varying benefits and annual deductibles. Their rates are very competitive because of their innovative product design and cost-effective PPO networks. The different plans are described below:
Unicare Traditional PPO Plans
Unicare Traditional PPO Plans provide a combination of comprehensive benefits and an extensive PPO network with very competitve rates. All Traditional PPO Plans feature first dollar benefits (coverage with no annual deductible amount) for the most frequent medical expenses such as office visits and certain preventive care screenings, and prescription drugs.
| PPO Benefit Summaries |
|---|
All Unicare Traditional PPO Plans include:
- $30 office visit copayment
- Preventive care benefits for adults and children
- Prescription drug benefits
- Up to $5 million lifetime benefits per member
Office Visit Benefits
Although all of UniCare's traditional PPO plans provide a $30 office visit co-pay benefit, not all of the Unicare traditional PPO plans offer an unlimited number of annual office visit copayments. Some of the PPO plans offer a limited number of annual office visits in exchange for a lower premium. For a more detailed description of the office visit co-payment benefits, see the benefit summary of each plan.
Prescription Drug Benefits
All of the Unicare traditional PPO plans provide a $10 co-payment for generic drugs. For brand name drugs, a separate annual prescription deductible equal to 10% of the medical deductible applies. For example, the $1000 deductible plan has a $100 calendar year deductible for brand name drugs and the $2000 deductible plan has a prescription $200 deductible for brand name drugs. If you would like a plan without a prescription deductible for brand name drugs, the Premier No Deductible provides brand name drugs without a presription deductible.
Premier No Deductible Plan
| Premier No Deductible |
|---|
Our Rating: 
The Premier No Deductible Plan is best health insurance plan Unicare offers in Indiana. Some of the plan highlights include:
- No deductible (in-network)
- Unlimited $30 office visit co-payments
- $0 single / $0 family
- $10 copay for generic drugs
- $25 copay for brand drugs after $50 Rx deductible
| Premier No Deductible |
|---|
Unicare 500 Plan
| 500 Plan |
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Our Rating:
The Unicare 500 Plan is almost identical to the Premier No Deductible Plan except it has a $500 deductible. If you want a comprehensive PPO plan with great benefits that will cost less for having a deductible, this is the plan for you. Plan highlights include:
| 500 Plan Deductibles |
|---|
|
- $500 deductible (in-network)
- Unlimited $30 office visit co-payments
- $10 copay for generic drugs
- $25 copay for brand drugs after $50 Rx deductible
Unicare 1000 Plan
| 1000 Plan |
|---|
Our Rating: 
The Unicare 1000 Plan provides the same kind of comprehensive coverage provided by the Unicare 500 plan, but limits the annual office visit co-payment benefit. This plan is smart choice for individuals generally in good health who do not need an unlimited amount of annual office visits in exchange for a reduced premium. Plan highlights include:
| 1000 Plan Deductibles |
|---|
|
- $1,000 deductible (in-network)
- Four annual $30 office visit co-payments
- $10 copay for generic drugs
- $25 copay for brand drugs after $100 Rx deductible
Unicare 1500 Plan
| 1000 Plan |
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Our Rating: 
The Unicare 1500 Plan has all the benefits the Unicare 1000 Plan but brings down the cost down with a higher deductible. Plan highlights include:
| 1500 Plan Deductibles |
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|
- $1,500 deductible (in-network)
- Four annual $30 office visit co-payments
- $10 copay for generic drugs
- $25 copay for brand drugs after $150 Rx deductible
Unicare 2000 Plan
| 2000 Plan |
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Our Rating:
The Unicare 2000 Plan is a higher deductible version of the Unicare 1000 and 1500 Plan that provides a lower premium. Plan highlights include:
| 2000 Plan Deductibles |
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|
- $2,000 deductible (in-network)
- Four annual $30 office visit co-payments
- $10 copay for generic drugs
- $25 copay for brand drugs after $200 Rx deductible
Unicare 3000 Plan
| 3000 Plan |
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Our Rating: 
The Unicare 3000 Plan is a higher deductible version the Unicare 2000 Plan that provides additional premium savings. Plan highlights include:
| 3,000 Plan Deductibles |
|---|
|
- $3,000 deductible (in-network)
- Four annual $30 office visit co-payments
- $10 copay for generic drugs
- $25 copay for brand drugs after $300 Rx deductible
Unicare 5000 Plan
| 5000 Plan |
|---|
Our Rating:
The Unicare 5000 Plan is the highest Unicare traditional PPO deductible and the lowest cost plan. It's a good option for individuals that want a comprehensive PPO plan for the lowest possible premium. Plan highlights include:
| 5000 Plan Deductibles |
|---|
|
- $5,000 deductible (in-network)
- Four annual $30 office visit co-payments
- $10 copay for generic drugs
- $25 copay for brand drugs after $500 Rx deductible
Unicare Saver 2000
| SAVER 2000 |
|---|
Our Rating:
The SAVER 2000 is Unicare's lowest-priced PPO health insurance plan that provides limited copay benefits for office visits and basic hospital and surgical benefits. The SAVER 2000 is a popular plan for individuals who want catastrophic coverage with an office visit copay benefit at an affordable price. If you are considering this plan, you should understand the tradeoffs involved in purchasing a very low-cost health insurance plan.
| SAVER 2000 Deductibles |
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|
The SAVER 2000 is priced lower than other Unicare plans because it provides limited benefits for several non-core services. The primary benefit differences between the SAVER $2000 plan and UniCare's standard $2000 deductible plan from PPO providers include:
| Benefits | Unicare 2000 | Saver 2000 |
| Office Visits | $30 co-pay applies to up to four office visits per person per year. | Covers only two office visits per year (PPO and non-PPO combined). $30 co-pay applies to PPO office visits. |
| Child Immunizations | Covered up to $200 per year. | Not covered |
| Lab Work & X-rays | Subject to the $2000 deductible, then covered at 70% | Deductible not applicable, but benefits capped at $300 per year |
| Professional Services (surgery, anesthesia, radiation therapy, in-hospital doctor visits, diagnostic x-rays and lab) | Subject to the $2000 deductible, then covered at 70%. Coverage is for both in-patient and out-patient services. | Same, coverage applies to in-patient services only |
| Physical/Occupational Therapy, Acupuncture | Pays up to $30 per visit, up to 12 visit/year | Not covered |
| Durable Medical Equipment | Subject to the $2000 deductible, then covered at 70% | Not covered |
| Prescription Drugs - Retail & Mail Order | Covered up to the $5 million lifetime maximum benefit. | $500 Maximum annual benefit |
No Maternity Benefits
All UniCare's individual and family plans in Indiana do not include coverage for routine maternity. If you want a plan with maternity benefits, UniCare is probably not your best choice.
4th Quarter Deductible Carry-Over
The FIT plans and Saver 2000 plan feature a fourth quarter carry-over for the annual deductible. If your annual deductible is not satisfied in a given year, the covered expenses incurred during the months of October through December will be applied toward your annual deductible for the following year.