A subsidiary of UnitedHealthcare Insurance, UnitedHealthOne offers affordable individual and family medical insurance. Taking advantage of the UnitedHealthcare network of 700,000+ physicians and 5,200 hospitals, their selection of health insurance plans offers unmatched convenience and flexibility.
Crosspointe Insurance Advisors can help you find the right health plan from UnitedHealthOne. Whether you are looking for short-term coverage in between jobs, or you need an affordable health plan for your entire family, our agents are well-versed on what UnitedHealthOne has to offer.
The four main health insurance products offered by UnitedHealthOne include Traditional Copayment Insurance Plans, Health Savings Account Plans, High Deductible Health Insurance Plans, and Short-Term Health Insurance. Within each of these options, we help our clients determine the right coverage levels and deductibles for their unique situation.
Traditional Copayment Insurance Plan
A UnitedHealthOne Co-Pay plan is very similar to the average group health insurance plan. Office visits to a network provider are only $35. For other medical services, members can choose a deductible of $1,000 to $10,000, as well as various co-insurance levels. Members also benefit from a four-tier prescription drug plan. While these plans may require a higher monthly premium than a high-deductible health plan, they offer families the convenience and predictability of set costs for scheduled doctors' office visits.
Health Savings Account (HSA) Plans
UnitedHealthOne also offers high-deductible health insurance plans that are linked with a Health Savings Account (HSA). This type of plan has enormous tax advantages, and makes it much easier for individuals to track their health expenses. Premiums on these plans are lower than most other types of health insurance, without the need to sacrifice on the quality of care. And unlike Flexible Spending Accounts, HSAs allow you to roll over the funds in your account every year.
High-Deductible Health Insurance Plans
The High-Deductible Health Plans offered by UnitedHealthOne are the best way to keep monthly insurance costs to a minimum. Also known as "catastrophic health plans", these policies take advantage of United Healthcare's extensive network of providers. Choose from a range of deductible options, and rest assured that your plan offers coverage for any medical expenses beyond that amount. Plans that fall into this category include Plan 100®, Plan 80 and Saver 80.
Short Term Health Insurance
UnitedHealthOne offers convenient and simple Short Term Medical plans to meet the needs of families and individuals during times of transition. Whether you are a recent college graduate who can no longer qualify for group insurance, or you are waiting for new group benefits to start, a short term health insurance from UnitedHealthOne offers coverage that bridges the gap. Much more affordable than COBRA, short-term coverage will temporarily protect you from the financial risks of unexpected illness or injury. UnitedHealthOne offers a range of payment options and deductibles, as well as discount cards for prescription drugs.
Find out which one of these plans is right for you. Crosspointe Insurance Advisors can help you explore the various health insurance options from UnitedHealthOne.