Number Two Hottest Selling Plan: A full plan with a $30 copay for office visits (4 per person per year) and a great prescription drug benefit, includes coverage for acupuncture, and preventive care. See the Unicare 1000 plan below.

So here they are.....

Plan One - the Unicare Saver 2000

THE UNICARE ADVANTAGE - Something you should feel good about......

· Wide choice of doctors and hospitals

· Lifetime maximum of up to $5 million

· Low Prescription Drug Co-pays

· Optional Term Life Insurance

· Out-of-pocket maximums protect you from catastrophic expenses

· Toll-free dedicated customer service numbers - or call us your agent at 1-800-497-4010

· No claim forms with network providers

· MedCall 24 hour nurse hotline

· Occupational coverage for at-work injuries when benefits cannot be recovered under any Workers' Compensation, Employer's Liability Law or Occupational Disease Law

WHO IS UNICARE ANYWAY?

I've been dealing with Unicare for many years. They are a division of WellPoint Health Networks Inc. one of the largest managed care companies in the United States today. More Americans purchase their individual medical coverage through the Wellpoint family of companies than from any other individual carrier in the United States.

Unicare is rated "A+" by Standard & Poor's Insurance Rating Analysis.

Unicare is rated "A-" (excellent) by A.M. Best, an independent insurance industry analyst that bases its rating on operating performance and financial stability.

In its "Most Admired" poll, Fortune Magazine ranks Unicare's parent company, Wellpoint Health Networks Inc. one of the top three companies in the health care industry, according to its poll of top executives, directors and securities analysts.

HIGHLIGHTS OF THE SAVER 2000 PLAN:

in network benefits

Office visits:

You pay just $30 a visit for 2 visits per person per year (No Deductible!)

Preventive Care:

Use one of your office visits above for this

Outpatient Lab Work and Xrays:

Pays 70% up to $300, No Deductible!

The Plan pays 70% after a $2000 deductible for:

Professional services (in-patient) and hospital services, surgery, anesthesia, radiation therapy, in-hospital doctor visits, diagnostic x-ray and lab

Inpatient medical emergency

Ambulance (up to $750 per trip)

Home Health Care (need pre-service review) - 60 visits per year

Skilled Nursing Facilities (need pre-service review) $400 max per day - 100 days per year

Hospice - (need pre-service review) $10,000 lifetime max

IS YOUR DOCTOR AN IN-NETWORK DOCTOR?

Click here (Choose "Provider Finder" from Menu) ….then you can find doctors and hospitals by name and location

QUESTIONS? - call us at 1-800-497-4010

PHARMACY HIGHLIGHTS

(in-network benefits)

Generic: $10 copay with a maximum payment by Unicare of $500 per person per year

Brand Name: $25 copay after separate $200 deductible. Maximum of $500 per member per year

Most any larger pharmacy will be in-network, just make sure they recognize your card and collect only the copay.

OUT-OF-POCKET MAXIMUMS FOR INDIVIDUALS

(in-network benefits)

$3500 plus the deductible per member

These have only been highlights. There are 5 other plans in this same series, and you may be interested in one of the others if you wish more out-patient benefits and lower or no deductibles. Click Here and receive the full brochure and disclosure. You need to read the exclusions and the fine print. I've only tried to highlight broadly what the policy is about, but you need the company's literature to get the full picture.

Ready for rates? Click here to go to the rates.

Want to have an application? Click Here to download one.

Want to apply online now - right to the company? Click Here for your online application.

Lastly, give us a call and we would be happy to speak to you about any or all ideas that you may wish to consider. We are not the way you might think insurance people might be. Our goal is to help you get what you want and will refer you to any place that will be best for you.

Plan Two - the Unicare 1000 Plan

HIGHLIGHTS OF THE UNICARE 1000 PLAN:

This plan is a much more complete plan. You have outpatient benefits added and a lot of extras. It has a $1000 deductible, but for the services you use most, you will not need to pay the deductible (see below). The price is still designed to be affordable and it's worth a look.

in network benefits

Office visits:

You pay just $30 a visit for 4 visits per person per year (No Deductible!)

After the 4^th visit, office visits are covered subject to the deductible

Preventive Care:

Use one of your office visits above for this

The Plan pays 80% after a $1000 deductible for:

Professional services (in-patient) and hospital services, surgery, anesthesia, radiation therapy, in-hospital doctor visits, diagnostic x-ray and lab

Outpatient hospital charges

Lab tests and x-rays

Medical emergency

Ambulance (up to $750 per trip)

Home Health Care (need pre-service review) - 60 visits per year

Skilled Nursing Facilities (need pre-service review) $400 max per day - 100 days per year

Hospice - (need pre-service review) $10,000 lifetime max

PHARMACY HIGHLIGHTS

(in-network benefits)

Generic: $10 copay (no deductible)

Brand Name: $25 copay after separate $100 deductible

Most any larger pharmacy will be in-network, just make sure they recognize your card and collect only the copay.

OUT-OF-POCKET MAXIMUMS FOR INDIVIDUALS

(in-network benefits)

$3500 plus the deductible per member

Ready for rates? Click Here to go to the rates.

Want to have an application? Click Here to download one.

Want to apply online now - right to the company? Click Here for your online application.

Once again, please feel free to call with your questions. We handle these plans and plenty more and I find that after you do your internet investigations it really helps to talk to someone and sort out what you have found out. Besides, why not hear a fair explanation of what all the terms on the web pages really mean? It's a big purchase and you don't want to have to keep changing health plans every 6 months.