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High deductible and no coverage - Unicare Review

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1.5 Overall Rating by

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.

2.0 Coverage
1.0 Cost
2.0 Service
1.0 Claims

Unicare Ratings

  • 2.0 coverage
  • 2.6 cost
  • 1.6 service
  • 1.3 claims
  • 1.9 overall rating

Based on 21 reviews - 1 is lowest, 5 is highest

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