Individual Health Insurance - UniCare Life and Health Insurance Company Resources

Plans Offered:

UNICARE 1000:

UNICARE 1500:

UNICARE 2000:

UNICARE 3000:

UNICARE 500:

UNICARE 5000:

UNICARE Premier:

UNICARE Saver 2000:

Plan Name	UNICARE 1000
Details Brochure	No brochure available
Plan Description Benefit	This plan is designed to offer competitive premiums for expanded health care benefits.
Plan Deductible Benefit	1000
Plan Out of Network Deductible Benefit	$2,000 per person, $4,000 per family
Plan Coinsurance Benefit	You pay 20% of covered medical expenses after the deductible
Plan Out of Network Coinsurance Benefit	You pay 40% of covered medical expenses after the deductible (50% in TX)
Plan Out of Pocket Maximum Benefit	$3,000 plus deductible per person
Plan Out of Network Pocket Maximum Benefit	$10,000 plus deductible per person
Plan Family Out of Pocket Maximum Benefit	2x individual maximums
Maternity Benefit	Not included
Plan Lifetime Maximum Benefit	$5,000,000
Plan Preventive Care Benefit	$30 copay; see benefits for lab and x-ray;
Plan Child Preventive Care Benefit	Subject to deductible and coinsurance
Plan Lab & X-Ray Benefit	Subject to deductible and coinsurance
Plan Inpatient Hospital Benefit	Subject to deductible and coinsurance
Plan Outpatient Surgery Benefit	Subject to deductible and coinsurance
Plan Office Visits Benefit	$30 copay for 4 visits per member per year; subject to deductible and coinsurance for additional visits
Plan Urgent Care Benefit	Subject to deductible and coinsurance
Plan Emergency Care Benefit	Subject to deductible and coinsurance
Plan Ambulance Service Benefit	Subject to deductible and coinsurance
Plan Prescription Drug Benefit	$10 generic; $100 annual deductible plus $25 copay brand name
Plan Supplemental Accident Benefit	Not included
Plan Pre-Existing Conditions Benefit	No coverage for pre-existing conditions during the first 12 months following the policy effective date.

Plan Name	UNICARE 1500
Details Brochure	No brochure available
Plan Description Benefit	This plan is designed to offer competitive premiums for expanded health care benefits.
Plan Deductible Benefit	1500
Plan Out of Network Deductible Benefit	$2,500 per person, $5,000 per family
Plan Coinsurance Benefit	You pay 30% of covered medical expenses after the deductible
Plan Out of Network Coinsurance Benefit	You pay 40% of covered medical expenses after the deductible (50% in TX)
Plan Out of Pocket Maximum Benefit	$3,000 plus deductible per person
Plan Out of Network Pocket Maximum Benefit	$10,000 plus deductible per person
Plan Family Out of Pocket Maximum Benefit	2x individual maximums
Maternity Benefit	Not included
Plan Lifetime Maximum Benefit	$5,000,000
Plan Preventive Care Benefit	$30 copay; see benefits for lab and x-ray;
Plan Child Preventive Care Benefit	Subject to deductible and coinsurance
Plan Lab & X-Ray Benefit	Subject to deductible and coinsurance
Plan Inpatient Hospital Benefit	Subject to deductible and coinsurance
Plan Outpatient Surgery Benefit	Subject to deductible and coinsurance
Plan Office Visits Benefit	$30 copay for 4 visits per member per year; subject to deductible and coinsurance for additional visits
Plan Urgent Care Benefit	Subject to deductible and coinsurance
Plan Emergency Care Benefit	Subject to deductible and coinsurance
Plan Ambulance Service Benefit	Subject to deductible and coinsurance
Plan Prescription Drug Benefit	$10 generic; $150 annual deductible plus $25 copay brand name
Plan Supplemental Accident Benefit	Not included
Plan Pre-Existing Conditions Benefit	No coverage for pre-existing conditions during the first 12 months following the policy effective date.

Plan Name	UNICARE 2000
Details Brochure	No brochure available
Plan Description Benefit	This plan is designed to offer competitive premiums for expanded health care benefits.
Plan Deductible Benefit	2000
Plan Out of Network Deductible Benefit	$3,000 per person, $6,000 per family
Plan Coinsurance Benefit	You pay 30% of covered medical expenses after the deductible
Plan Out of Network Coinsurance Benefit	You pay 40% of covered medical expenses after the deductible (50% in TX)
Plan Out of Pocket Maximum Benefit	$3,000 plus deductible per person
Plan Out of Network Pocket Maximum Benefit	$10,000 plus deductible per person
Plan Family Out of Pocket Maximum Benefit	2x individual maximums
Maternity Benefit	Not included
Plan Lifetime Maximum Benefit	$5,000,000
Plan Preventive Care Benefit	$30 copay; see benefits for lab and x-ray;
Plan Child Preventive Care Benefit	Subject to deductible and coinsurance
Plan Lab & X-Ray Benefit	Subject to deductible and coinsurance
Plan Inpatient Hospital Benefit	Subject to deductible and coinsurance
Plan Outpatient Surgery Benefit	Subject to deductible and coinsurance
Plan Office Visits Benefit	$30 copay for 4 visits per member per year; subject to deductible and coinsurance for additional visits
Plan Urgent Care Benefit	Subject to deductible and coinsurance
Plan Emergency Care Benefit	Subject to deductible and coinsurance
Plan Ambulance Service Benefit	Subject to deductible and coinsurance
Plan Prescription Drug Benefit	$10 generic; $200 annual deductible plus $25 copay brand name
Plan Supplemental Accident Benefit	Not included
Plan Pre-Existing Conditions Benefit	No coverage for pre-existing conditions during the first 12 months following the policy effective date.

Plan Name	UNICARE 3000
Details Brochure	No brochure available
Plan Description Benefit	This plan is designed to offer competitive premiums for expanded health care benefits.
Plan Deductible Benefit	3000
Plan Out of Network Deductible Benefit	$4,000 per person, $8,000 per family
Plan Coinsurance Benefit	You pay 30% of covered medical expenses after the deductible
Plan Out of Network Coinsurance Benefit	You pay 40% of covered medical expenses after the deductible (50% in TX)
Plan Out of Pocket Maximum Benefit	$3,000 plus deductible per person
Plan Out of Network Pocket Maximum Benefit	$10,000 plus deductible per person
Plan Family Out of Pocket Maximum Benefit	2x individual maximums
Maternity Benefit	Not included
Plan Lifetime Maximum Benefit	$5,000,000
Plan Preventive Care Benefit	$30 copay; see benefits for lab and x-ray;
Plan Child Preventive Care Benefit	Subject to deductible and coinsurance
Plan Lab & X-Ray Benefit	Subject to deductible and coinsurance
Plan Inpatient Hospital Benefit	Subject to deductible and coinsurance
Plan Outpatient Surgery Benefit	Subject to deductible and coinsurance
Plan Office Visits Benefit	$30 copay for 4 visits per member per year; subject to deductible and coinsurance for additional visits
Plan Urgent Care Benefit	Subject to deductible and coinsurance
Plan Emergency Care Benefit	Subject to deductible and coinsurance
Plan Ambulance Service Benefit	Subject to deductible and coinsurance
Plan Prescription Drug Benefit	$10 generic; $300 annual deductible plus $25 copay brand name
Plan Supplemental Accident Benefit	Not included
Plan Pre-Existing Conditions Benefit	No coverage for pre-existing conditions during the first 12 months following the policy effective date.

Plan Name	UNICARE 500
Details Brochure	No brochure available
Plan Description Benefit	This plan is designed to offer competitive premiums for expanded health care benefits.
Plan Deductible Benefit	500
Plan Out of Network Deductible Benefit	$1,500 per person, $3,000 per family
Plan Coinsurance Benefit	You pay 20% of covered medical expenses after the deductible
Plan Out of Network Coinsurance Benefit	You pay 40% of covered medical expenses after the deductible (50% in TX)
Plan Out of Pocket Maximum Benefit	$3,000 plus deductible per person
Plan Out of Network Pocket Maximum Benefit	$10,000 plus deductible per person
Plan Family Out of Pocket Maximum Benefit	2x individual maximums
Maternity Benefit	Not included
Plan Lifetime Maximum Benefit	$5,000,000
Plan Preventive Care Benefit	$30 copay; see benefits for lab and x-ray;
Plan Child Preventive Care Benefit	Subject to deductible and coinsurance
Plan Lab & X-Ray Benefit	Subject to deductible and coinsurance
Plan Inpatient Hospital Benefit	Subject to deductible and coinsurance
Plan Outpatient Surgery Benefit	Subject to deductible and coinsurance
Plan Office Visits Benefit	$30 copay for 4 visits per member per year; subject to deductible and coinsurance for additional visits
Plan Urgent Care Benefit	Subject to deductible and coinsurance
Plan Emergency Care Benefit	Subject to deductible and coinsurance
Plan Ambulance Service Benefit	Subject to deductible and coinsurance
Plan Prescription Drug Benefit	$10 generic; $50 annual deductible plus $25 copay brand name
Plan Supplemental Accident Benefit	Not included
Plan Pre-Existing Conditions Benefit	No coverage for pre-existing conditions during the first 12 months following the policy effective date.

Plan Name	UNICARE 5000
Details Brochure	No brochure available
Plan Description Benefit	This plan is designed to offer competitive premiums for expanded health care benefits.
Plan Deductible Benefit	5000
Plan Out of Network Deductible Benefit	$6,000 per person, $12,000 per family
Plan Coinsurance Benefit	You pay 30% of covered medical expenses after the deductible
Plan Out of Network Coinsurance Benefit	You pay 40% of covered medical expenses after the deductible (50% in TX)
Plan Out of Pocket Maximum Benefit	$3,000 plus deductible per person
Plan Out of Network Pocket Maximum Benefit	$10,000 plus deductible per person
Plan Family Out of Pocket Maximum Benefit	2x individual maximums
Maternity Benefit	Not included
Plan Lifetime Maximum Benefit	$5,000,000
Plan Preventive Care Benefit	$30 copay; see benefits for lab and x-ray;
Plan Child Preventive Care Benefit	Subject to deductible and coinsurance
Plan Lab & X-Ray Benefit	Subject to deductible and coinsurance
Plan Inpatient Hospital Benefit	Subject to deductible and coinsurance
Plan Outpatient Surgery Benefit	Subject to deductible and coinsurance
Plan Office Visits Benefit	$30 copay for 4 visits per member per year; subject to deductible and coinsurance for additional visits
Plan Urgent Care Benefit	Subject to deductible and coinsurance
Plan Emergency Care Benefit	Subject to deductible and coinsurance
Plan Ambulance Service Benefit	Subject to deductible and coinsurance
Plan Prescription Drug Benefit	$10 generic; $500 annual deductible plus $25 copay brand name
Plan Supplemental Accident Benefit	Not included
Plan Pre-Existing Conditions Benefit	No coverage for pre-existing conditions during the first 12 months following the policy effective date.

Plan Name	UNICARE Premier
Details Brochure	No brochure available
Plan Description Benefit	This plan offers competitive premiums, low out of pocket expenses and comprehensive health care benefits.
Plan Deductible Benefit	0
Plan Out of Network Deductible Benefit	$1,000 per person
Plan Coinsurance Benefit	You pay 20% of covered medical expenses after the deductible
Plan Out of Network Coinsurance Benefit	You pay 40% of covered medical expenses after the deductible (50% in TX)
Plan Out of Pocket Maximum Benefit	$3,000 plus deductible per person
Plan Out of Network Pocket Maximum Benefit	$10,000 plus deductible per person
Plan Family Out of Pocket Maximum Benefit	2x individual maximums
Maternity Benefit	Not included
Plan Lifetime Maximum Benefit	$5,000,000
Plan Preventive Care Benefit	$30 copay; see benefits for lab and x-ray;
Plan Child Preventive Care Benefit	Subject to deductible and coinsurance
Plan Lab & X-Ray Benefit	Subject to deductible and coinsurance
Plan Inpatient Hospital Benefit	Subject to deductible and coinsurance
Plan Outpatient Surgery Benefit	Subject to deductible and coinsurance
Plan Office Visits Benefit	$30 copay
Plan Urgent Care Benefit	Subject to deductible and coinsurance
Plan Emergency Care Benefit	Subject to deductible and coinsurance
Plan Ambulance Service Benefit	Subject to deductible and coinsurance
Plan Prescription Drug Benefit	$10 generic; $25 copay brand name
Plan Supplemental Accident Benefit	Not included
Plan Pre-Existing Conditions Benefit	No coverage for pre-existing conditions during the first 12 months following the policy effective date.

Plan Name	UNICARE Saver 2000
Details Brochure	No brochure available
Plan Description Benefit	This plan is designed to basic health care benefits.
Plan Deductible Benefit	2000
Plan Out of Network Deductible Benefit	$3,000 per person, $4,000 per family
Plan Coinsurance Benefit	You pay 30% of covered medical expenses after the deductible
Plan Out of Network Coinsurance Benefit	You pay 40% of covered medical expenses after the deductible (50% in TX)
Plan Out of Pocket Maximum Benefit	$3,000 plus deductible per person
Plan Out of Network Pocket Maximum Benefit	$10,000 plus deductible per person
Plan Family Out of Pocket Maximum Benefit	2x individual maximums
Maternity Benefit	Not included
Plan Lifetime Maximum Benefit	$5,000,000
Plan Preventive Care Benefit	$30 copay; see benefits for lab x-ray; in NV, coverage is for adults only and is subject to deductible and coinsurance.
Plan Child Preventive Care Benefit	Not covered
Plan Lab & X-Ray Benefit	Deductible waived; coinsurance applies; annual maximum of $300 per year
Plan Inpatient Hospital Benefit	Subject to deductible and coinsurance
Plan Outpatient Surgery Benefit	Subject to deductible and coinsurance
Plan Office Visits Benefit	$30 copay; 2 visits per member per year
Plan Urgent Care Benefit	Subject to deductible and coinsurance
Plan Emergency Care Benefit	Subject to deductible and coinsurance
Plan Ambulance Service Benefit	Subject to deductible and coinsurance
Plan Prescription Drug Benefit	$10 generic; $200 annual deductible plus $25 copay brand name; $500 annual maximum per member
Plan Supplemental Accident Benefit	Not included
Plan Pre-Existing Conditions Benefit	No coverage for pre-existing conditions during the first 12 months following the policy effective date.

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Name:	UniCare Life and Health Insurance Company
Description:	UniCare Life and Health Insurance Company is an operating affiliate of WellPoint Health Networks. WellPoint is one of the nation's largest managed care companies serving over 13 million members.
Website:	http://www.unicare.com
Customer Service:
Address:	P.O.BOX 9088 Oxnard, CA 93031
Not Offered by QuickQuote in:	All states except for IL, IN
Year Founded:	1995
AM Best Rating:	A- as of 2006
S&P Rating:	A+
Other Information
Legal Information	Read your Certificate carefully. This summary of benefits provides a very brief description of the important features of your plan. This is not the insurance contract and only the actual Certificate of Coverage provisions will apply. The Certificate sets forth, in detail, the benefits, limitations and exclusions. If there are any conflicts between the terms of the Certificate of Coverage and the information in this quote, the terms of the Certificate of Coverage will prevail.