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UnitedHealthcare is the largest business unit of its parent organization,
UnitedHealth Group, Inc., a Fortune 100 company. UnitedHealthcare
at present caters to the needs of over 18 million individual customers
along with its sister concern, Uniprise Solutions.
These two provide high quality health care from over 433,000 physicians
and about 3,600 hospitals spread across all 50 states and in four
international markets. UnitedHealthcare offers quality health care
coverage at reasonable prices for families and individuals under
age 64 through Golden Rule Insurance Company, a wholly-owned subsidiary
of UnitedHealthcare. It combines its strength and stability with
almost three decades of experience serving customers of all sizes.
The objective of the company is to make it easier to understand
and navigate the complex health care system – while helping
to control the effects of increasing health care costs.
UnitedHealthcare offers a wide range of plans for its customers.
With one of its Co-pay Plans, you spend a copay to use Preferred
Network doctors for office visits. After that, the company pays
100% of history and exam fees. Co-pay benefits cover preventive
care office visits in the same way as they cover the other doctor
office visits. In addition, most plans have Prescription drug card
benefits. Inpatient and outpatient medical expenses are covered
up to a $3 million lifetime maximum benefit per covered individual.
The company’s HSA Plans have two components: a lower cost,
high deductible health insurance plan and a tax-favored savings
account. You can put the money you save on premiums with your high
deductible plan into your tax-favored savings account (HSA). You
can then withdraw the money to help pay your deductible or other
qualified health care expenses. After your deductible is met, the
insurance plan begins to pay for covered expenses. The best part
of these plans is that your unspent savings roll over year after
With its High Deductible Plans, meaning lower premiums, you get
to keep more of your money by taking responsibility for covering
minor or routine health care expenses - if they come up. It may
suit you fine if you are keen to pay for routine health care expenses
in exchange for lower premiums; if you want lower cost protection
from unexpected accidents and illnesses; and if you are an early
retiree and in need of a bridge to Medicare.
Businesses must have at least two employees to be eligible for
group coverage. Colorado, Connecticut, Delaware, Florida, Massachusetts,
Mississippi, North Carolina, New Hampshire, Rhode Island, Vermont
and Washington allow group coverage if you have one eligible employee.
Partnering Spectera, UnitedHealthcare offers one of the most comprehensive
prevention, examination, and prescription vision programs available
in the market. Members enjoy premier vision benefits with access
to 16,000 health care professionals nationwide, including private
practice and retail chain professionals. Benefits fully cover contact
lenses, eyeglass frames for over 60% of all frames on the market,
access to discounted laser eye surgery procedures, and a state-of-the-art
optical laboratory among others. Its dental plans provide flexible
coverage at affordable prices. Employers get the advantages of simplified
administration programs that keep costs low and quality high.