UnitedHealthOne - Plan Descriptions
UnitedHealthOne is part of the highly respected United Healthcare family of businesses. United Healthcare currently has over 70 million members nationwide and is rated "A" (Excellent) by A.M. Best.
UnitedHealthOne offers three flexible health care plans: Copay Plans, High Deductible Plans, and Health Savings Account (HSA) Plans. They also offer water-downed versions of the Copay, High Deductible, and HSA Plans called Saver Plans. In return for more limited benefits, Saver Plans provide significant savings. They may be ideal for people who need coverage for the bigger expenses instead of for routine health care. These Saver Plans can also be combined with Golden Rule's Optional Preventive Care Benefits Package. This add-on is not available for all products, however, so request additional information to find out if this option is available for your needs.
Also available are Short Term Medical and Medicare Supplement Insurance Plans. The different plans are described below:
Copay Select
| Copay Select |
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Our Rating: 
Copay Select Plans are more like traditional employer plans with a co-payment for routine healthcare expenses. Individuals who prefer the convenience of copay benefits for routine health care expenses, families with young children who have regularly scheduled doctor visits and adults who want copay benefits for preventive care and prescriptions drugs benefit most from a CoPay Select Plan.
Copay Select plan highlights include:
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- Preventive care benefits for adults and children ($35 copay fror the office visit. Lab tests and x-rays are covered at 80%. $300 annual maximum)
- Unlimited office visits ($35 copayment)
- Choice of $3 million or $5 million lifteime maximum benefit per person
- Prescription drug co-payment card for generic and brand name drugs (deductible waived)
- Generic drugs - $15 copay
- Preferred brands - $30 copay*
- Non-preferred brands - $60 copay*
(*please note there is a $100 calendar year deductible for brand and non-preferred brand drugs)
Copay Saver
| Copay Saver |
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Our Rating: 
The Copay Saver plan limits the number of office visits with a $35 copay benefit to 2 per person, per calendar year for a lower monthly premium. Unlike Copay Select, Copay Saver plans do not include a preventive care benefit, but an optional preventative care benefit package is available through UnitedHealthOne for an additional premium.
If you are looking for a plan with a monthly premium that fits your budget in combination with a couple of office visits at a simple $35 copay, the Copay Saver is a great fit for you.
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Copay Saver plan highlights include:
- $35 copay for in-network doctor office visits - two per person per year
- $15 copayment for generic drugs
- 80% in-network coverage after the deductible
Check out our Copay Select/Saver Comparison Chart to see the benefits broken down by each line item.
High Deductible Plans
Insurance agents refer to UnitedHealthOne/Golden Rule's High Deductible Plans as catastrophic coverage. They offer lower premiums to individuals and families willing to pay a higher percentage of routine health care expenses. High Deductible plans are great for individuals looking for low cost protection from unexpected illness and accidents and early retirees needing a bridge to Medicare.
Plan 100
| Plan 100 |
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Our Rating:
Plan 100 is one of UnitedHealthOne's most popular plans because it's our most simple to use and understand. This plan provides comprehensive coverage including, doctor visits, prescriptions, labs and hospitalization, to name a few, while giving you a choice of deductibles, so you can adjust your premium to fit your budget. Once you meet your deductible, the plan pays 100% of all covered expenses for the rest of the calendar year. No 80/20, no 70/30, just 100%.
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Plan 100 highlights include:
- Prescription drug coverage (no charge after deductible)
- 100% coverage after deductible
- 24 month rate guarantee option
Plan 80
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Our Rating: 
Plan 80 has been one of the most popular choice for the budget-conscious consumer. This high deductible plan combines comprehensive coverage with coinsurance, resulting in a lower premium, making it a popular choice among students, recent graduates, the unemployed, or anyone on a tight budget.
Plan 80 plan highlights include:
| Plan 80 Deductibles |
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- In-network doctor office visits, preventive care, and Rx drugs: You pay 20% after calendar year deductible.
- Coverage for Inpatient and Outpatient Medical Expenses: You pay 20% after you meet calendar year deductible.
Saver 80 Plan
| Saver 80 |
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Our Rating:
The Saver 80 Plan is designed to cover the big ticket items such as hospitalization, surgery, emergency room and expensive diagnostic tests like MRIs and CT Scans. By having an insurance plan that covers larger expenses while you pay for smaller day to day expenses, you can save a lot of money in your monthly premium. It does not cover smaller medical costs such as office visits, child immunizations, preventive care, and prescription drugs (Discount Card Included).
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Saver 80 Plan highlights include:
- Discount Rx card included
- Coverage for Inpatient and Outpatient Medical Expenses: You pay 20% after you meet calendar year deductible
- Low premium rates
Health Savings Account Plans
Health Savings Account (HSA) plans combine lower cost high deductible plans with network discounts and tax advantaged savings accounts. HSA Plans are great for persons interested in more control over how their health care dollars are spent, families interested in one annual deductible and savings on monthly premiums, or high income individuals looking for an additional tax shelter. UnitedHealthOne/Golden Rule offers 2 different Health Savings Account plans: HSA 100 and HSA Saver.
HSA 100
| HSA 100 |
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Our Rating:
HSA 100 provides significantly reduced premium costs by using higher deductibles while covering 100% of medical expenses after the deductible is met. This includes doctor office visit fees, prescription drugs, diagnostic testing, hospitalization, and surgery. There are no copays for doctor visits, but once the calendar year deductible is met the insurance will pay 100% of covered expenses.
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HSA 100 Plan highlights include:
- Adult and child preventive care included
- One calendar year deductible for families. Once the deductible is met, UnitedHealthOne pays 100% of covered health expenses for the rest of the calendar year.
- Coverage for catastrophic care
HSA 70
Our Rating:
| HSA 70 |
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HSA 70 is a popular plan offers a lower premium than HSA 100 in exchange for 70% in-network coinsurance (instead of 100%). You still get the tax advantages of a Health Savings Account that you can use for any qualified medical expense not covered by the plan.
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HSA 70 Plan highlights include:
- Adult and child preventive care included
- One calendar year deductible for families. Once the deductible is met, UnitedHealthOne pays 100% of covered health expenses for the rest of the calendar year.
- Coverage for Inpatient and Outpatient Medical Expenses: You pay 30% after you meet deductible.
