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UnitedHealthOne - Plan Descriptions

United HealthOne is a brand which represents a portfolio of insurance products offered to individuals and families, which are underwritten and administered by one or more of the following companies - American Medical Security Life Insurance Company, Golden Rule Insurance Company, PacifiCare Life and Health Insurance Company, PacifiCare Life Assurance Company, and United HealthCare Insurance Company.

If you are looking for well-designed plans, with great optional add-on benefits and large PPO network of doctors and hospitals, United HealthOne/Golden Rule plans are a great choice.

Also available are Short Term Medical and Medicare Supplement Insurance Plans. The different plans are described below:

Copay Select

Our Rating:

Copay Select Plans are more like traditional employer plans with a co-payment for routine healthcare expenses. Individuals who prefer the convenience of copay benefits for routine health care expenses, families with young children who have regularly scheduled doctor visits and adults who want copay benefits for doctor visits and prescriptions drugs will benefit most from a Copay Select Plan.

Copay Select plan highlights include:

Copay Select Deductibles
  • $1,000 single / $2,000 family
  • $1,500 single / $3,000 family
  • $2,500 single / $5,000 family
  • $3,500 single / $7,000 family
  • $5,000 single / $10,000 family
  • $7,500 single / $15,000 family
  • $10,000 single / $20,000 family

(*please note there is a $100 calendar year deductible for brand and non-preferred brand drugs)

High Deductible Plans

Insurance agents sometimes refer to High Deductible Plans as catastrophic coverage. They offer lower premiums to individuals and families willing to take a higher deductible. High Deductible plans are good plan options for individuals looking for low cost protection from unexpected illness and accidents and early retirees needing a bridge to Medicare.

Plan 100

Our Rating:

Plan 100 is one of UnitedHealthOne's most popular plans because it's simple to use and understand. This plan provides comprehensive coverage including, doctor visits, prescriptions, labs and hospitalization, while giving you a choice of deductibles, so you can adjust your premium to fit your budget. Once you meet your deductible, the plan pays 100% of all covered expenses for the rest of the calendar year. No 80/20, no 70/30, just 100%.

Plan 100 Deductibles
  • $1,500 single / $3,000 family
  • $2,500 single / $5,000 family
  • $5,000 single / $10,000 family
  • $7,500 single / $15,000 family
  • $10,000 single / $20,000 family

Plan 100 highlights include:

Plan 80

Our Rating:

Plan 80 has been one of the most popular choice for the budget-conscious consumer. This high deductible plan combines comprehensive coverage with coinsurance, resulting in a lower premium, making it a popular choice among students, recent graduates, the unemployed, or anyone on a tight budget.

Plan 80 plan highlights include:

Plan 80 Deductibles
  • $1,500 single / $3,000 family
  • $2,500 single / $5,000 family
  • $5,000 single / $10,000 family
  • $7,500 single / $15,000 family
  • $10,000 single / $20,000 family

Saver 80 Plan

Our Rating:

The Saver 80 Plan is designed to cover the big ticket items such as hospitalization, surgery, emergency room and expensive diagnostic tests like MRIs and CT Scans. By having an insurance plan that covers larger expenses while you pay for smaller day to day expenses, you can save a lot of money in your monthly premium. It does not cover smaller medical costs such as non preventive office visits and prescription drugs (Discount Card Included) until you reach your deductible.

Saver 80 Deductibles
  • $1,000 single / $2,000 family
  • $1,500 single / $3,000 family
  • $2,500 single / $5,000 family
  • $5,000 single / $10,000 family
  • $7,500 single / $15,000 family
  • $10,000 single / $20,000 family

Saver 80 Plan highlights include:


Health Savings Account Plans

Health Savings Account (HSA) plans combine lower cost high deductible plans with network discounts and tax advantaged savings accounts. HSA Plans are great for persons interested in more control over how their health care dollars are spent, families interested in one annual deductible and savings on monthly premiums, or high income individuals looking for an additional tax shelter. UnitedHealthOne/Golden Rule offers Health Savings Account plan designs with deductibles from $2,500 to $12,500 for individuals with 100%, 80%, or 70% coinsurance.

HSA 100

Our Rating:

HSA 100 provides significantly reduced premium costs by using higher deductibles while covering 100% of medical expenses after the deductible is met. This includes doctor office visit fees, prescription drugs, diagnostic testing, hospitalization, and surgery. There are no copays for doctor visits, but once the calendar year deductible is met the insurance will pay 100% of covered expenses.

HSA 100 Deductibles
  • $2,500 single / $5,000 family
  • $3,000 single / 65,000 family
  • $3,500 single / $7,000 family
  • $5,000 single / $10,000 family

HSA 100 Plan highlights include:

HSA 70

Our Rating:

HSA 70 is a popular plan offers a lower premium than HSA 100 in exchange for 70% in-network coinsurance (instead of 100%). You still get the tax advantages of a Health Savings Account that you can use for any qualified medical expense not covered by the plan.

HSA 70 Deductibles
  • $1,250 single / $2,500 family
  • $2,500 single / $5,000 family
  • $3,000 single / 65,000 family
  • $3,500 single / $7,000 family
  • $5,000 single / $10,000 family

HSA 70 Plan highlights include:

United HealthOne/Golden Rule quotes