UNICARE FIT Plans
Health Insurance to FIT Your Lifestyle
UniCare FIT Plans offer affordable coverage with real life benefits, and access to providers of your choice. FIT Plan features include:
- Vital doctor, hospital and surgical coverage
- Unlimited1 office visits at a $30 copay
- Prescription drug benefits
- Coverage for sensible, everyday health care services such as office visits, immunizations and certain preventive care services
- Up to $5 million in lifetime benefits per member
Cost Savings with Participating Providers
This plan comparison will help you compare some of the plan benefits for independently contracted participating (in-network) providers only and reflects UniCare’s share of costs for covered expenses after any deductibles are met. Your plan benefits are richer when you use in-network providers; UniCare shares a higher portion of the costs with you.
When you use out-of-network doctors or hospitals, UniCare shares a smaller portion of the costs with you, based on amounts determined by UniCare to be reasonable for that service in that area. You are then responsible for the remainder of the reasonable amount plus any amount in addition to the reasonable charges.
Platinum Network Travel Access
Travel Access is available to UniCare plan members at no additional premium cost. When you or one of your family members needs medical care while traveling outside your local provider network2, but within the continental United States,
1 Up to the maximum plan benefit.
2 Subject to program terms, conditions, and limitations including availability.
Plan Overview
FIT Health Insurance Plans
All FIT plans feature “first dollar benefits”—(coverage with no annual deductible amount) for in-network office visits at a copay of $30, and certain preventive care screenings with a first dollar benefit maximum of $300 per member. FIT offers additional across-the-board sensible, in-demand benefit features. Differences among FIT plans are deductible amount, coverage level for in network doctors and hospitals, and the brand name drug deductible amount. FIT plans are available with annual deductibles of $500, $1,000, $1,500, $2,000, $3,000 and $5,000. To help you make the right choice contact your UniCare agent or your dedicated UniCare Agent Support Team.
The FIT plans and Saver 2000 plan feature a fourthquarter carry-over for the annual deductible. If your annual deductible is not satisfied in a given year, the covered expenses incurred during the months of October through December will be applied toward your annual deductible for the following year.
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