Unicare Health Insurance operates nationwide, working closely with its employees, brokers, subscribers, and vast healthcare provider network. This ensures that members have access to all of the highest quality healthcare products and services.Unicare Health Insurance works closely with Unicare Life & Health Insurance Company and is also affiliated with WellPoint Health Networks, one of the largest publicly-traded managed healthcare organizations in the nation. Combined, the two companies serve the health insurance needs of over 13 million members as well as close to an additional 42 million specialty members.
By offering a wide selection of healthcare products and plans to choose from, Unicare Health Insurance gives members plenty of options at highly competitive and affordable prices. Unicare understands that everyone has unique health insurance needs, that is why their plans can be tailored to fit whether it be for general healthcare needs, prescription drugs, dental, life, and disability benefits.
Unicare Health Insurance knows customers want the best value for their dollar and employers want the best benefits for their employees at a competitive price. Unicare creates products for its customers that combine the best products with the best cost. With access to an extensive network of healthcare providers, Unicare is able to offer a comprehensive array of health plans and products. The company’s philosophy is to work cooperatively with the providers and the members to make healthcare plans affordable for everyone.
Best of all, Unicare Health Insurance has the financial strength and stability to back up their members when they need them most. The company has been awarded an A.M. Best rating of “A” (Excellent), which is a sure sign they are a strong, trustworthy player in the health insurance industry.
high deductible and no coverage
My spinal cord injury resulting in paralysis. After I left in patient rehab (still in a wheelchair), I had to wait 2 weeks to get 'approval' from Unicare to go to out patient rehab to learn to walk again. Finally came back with 'you get 12 PT/OT visits with your plan'. All I used was 12 visits. Cost $4,040. Unicare paid $240 of that. And this is after I had met my $5,000 deductible and my additional $3,000 max out of pocket costs. Tens of thousands of dollars later, I'm sill paying. I guess after $8,000 in, rather than pay anything, all bills that come in after that will be deemed as something 'over and above customary charges' and will not be paid.
Unicare refused to pay until after my credit rating was ruined.
What is Experimental?
I had a carotid stent procedure done. It was 80% blocked and my cardiologist didn't think it was a good idea to wait too long. Getting an appointment with a cardiac surgeon was 6 or more weeks away! We checked with Unicare and told we didn't need pre-certification for the procedure, so went ahead with it. The claim was promptly denied! Unicare called it experimental and didn't pay one cent!
everything is a pre-existing condition
This company will not pay for anything and try to fight EVERYTHING! Somehow every tiny little test I have to do for my pregnancy is considered a pre-existing condition!!! How is that even possible?! I had to do an x-ray because a bookshelf fell on my hand. My dr thought it may be broken. They called that pre-existing too!
As Unicare continues to raise my rates I still find it less expensive to go to the cheap clinics than the one of the doctors they recommend. I was denied several claims though I don't have pre-existing conditions.
low estimate on damages
Unicare usually pays 50% to 20% on any claim you submit, despite their promise to pay 80%.
Twice a year Unicare jacks up my premium even though I visit a doctor only once a year and have only blood pressure medication. The latest jump in monthly premium is $439 to $560!! I am a 55-year-old self-employed woman. No one else will insure me because.
Nothing is Covered
I know that I purchased the cheapest plan that Unicare had available, but I thought they would at least cover something. I had a physical two months ago for a new job, which I thought would count under "office visits," but it was denied. Why? The statement simply said that my plan does not cover preventative care. Every time I have tried to use the plan, which really has not been often, I end up paying more than they do.
Nothing is Covered
I have seen 5 doctors on Unicare thus far and only one of those claims has been paid. Otherwise the customer service person has claimed that the doctors are out-of-network when in fact they are not. I have had to call several times so that they admit that the doctors are in fact in-network and they have no reason not to pay the claims. They make you jump through hoop after hoop so that you will give up or stop seeking medical care.
I've had Unicare for 8 years and in that space of time seen a doctor 7-8 times. They have continuously raised my rates over that 8 year period. I was paying about $400 a month then today I found out they were raising my monthly premium to $800 a month! Thinking there was some sort of mistake I called customer service. Nope, no mistake.