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Consumer Reports Article 04/06/2009
"7 Signs A Health Plan Might Be Junk"

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New PPACA Health Care Reform Law Extends coverage to your dependant child up to age 26 (or 30). They no longer need to be attending college.

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If You Purchased Health Insurance From Mega Life & Health or Midwest National Life Through The National Association For The Self Employed (NASE) You Need To Know The Truth!
 
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Today United Healthcare serves more than 70 million customers. Their United Healthcare "Choice Plus" PPO network can ease access to high quality care from more than 730,000 physicians and 4,700 hospitals  across all 50 states and in four international markets. United Health Care combines strength and stability with nearly three decades of experience serving customers of all sizes. Golden Rule Insurance Company is the underwriter and  administrator of this new series of health insurance plans. Golden Rule merged with United Healthcare in 2003, and has  served individuals and families with health insurance solutions for over 60 years. This experience and knowledge is reflected in high quality products, timely claims  handling, & outstanding customer service. Watch "The history of Golden Rule"

United Healthcare offers seven different individual health insurance plans to choose from depending on which State you live in. These plans vary by State and may include more or less coverage depending on your specific State health insurance mandates. The most popular plans are their "Co Pay" plans. Most especially their "Co Pay Select" plan:

All United Healthcare plans now include the new mandates under the PPACA (Patient Protection & Affordable Care Act) that went in to effect on September 23rd, 2010. They are as follows:

  • No lifetime limits on overall plan benefits, and no lifetime limit on the value of specific "essential benefits."
  • Annual limits on essential benefits, only until 1/1/14.
  • Rescission only for fraud or intentional misrepresentation of material facts. (This was law before the PPACA).
  • Coverage of preventive health services and immunizations without cost sharing. Including the following

    Covered Preventive Services for Adults:
    • Abdominal Aortic Aneurysm one-time screening for men of specified ages who have ever smoked
    • Alcohol Misuse screening and counseling
    • Aspirin use for men and women of certain ages
    • Blood Pressure screening for all adults
    • Cholesterol screening for adults of certain ages or at higher risk
    • Colorectal Cancer screening for adults over 50
    • Depression screening for adults
    • Type 2 Diabetes screening for adults with high blood pressure
    • Diet counseling for adults at higher risk for chronic disease
    • HIV screening for all adults at higher risk
    • Immunization vaccines for adults--doses, recommended ages, and recommended populations vary:
      • Hepatitis A
      • Hepatitis B
      • Herpes Zoster
      • Human Papillomavirus
      • Influenza
      • Measles, Mumps, Rubella
      • Meningococcal
      • Pneumococcal
      • Tetanus, Diphtheria, Pertussis
      • Varicella
    • Obesity screening and counseling for all adults
    • Sexually Transmitted Infection (STI) prevention counseling for adults at higher risk
    • Tobacco Use screening for all adults and cessation interventions for tobacco users
    • Syphilis screening for all adults at higher risk

    Covered Preventive Services for Women, Including Pregnant Women:
    • Anemia screening on a routine basis for pregnant women
    • Bacteriuria urinary tract or other infection screening for pregnant women
    • BRCA counseling about genetic testing for women at higher risk
    • Breast Cancer Mammography screenings every 1 to 2 years for women over 40
    • Breast Cancer Chemoprevention counseling for women at higher risk
    • Breast Feeding interventions to support and promote breast feeding
    • Cervical Cancer screening for sexually active women
    • Chlamydia Infection screening for younger women and other women at higher risk
    • Folic Acid supplements for women who may become pregnant
    • Gonorrhea screening for all women at higher risk
    • Hepatitis B screening for pregnant women at their first prenatal visit
    • Osteoporosis screening for women over age 60 depending on risk factors
    • Rh Incompatibility screening for all pregnant women and follow-up testing for women at higher risk
    • Tobacco Use screening and interventions for all women, and expanded counseling for pregnant tobacco users
    • Syphilis screening for all pregnant women or other women at increased risk

    Covered Preventive Services for Children:
    • Alcohol and Drug Use assessments for adolescents
    • Autism screening for children at 18 and 24 months
    • Behavioral assessments for children of all ages
    • Cervical Dysplasia screening for sexually active females
    • Congenital Hypothyroidism screening for newborns
    • Developmental screening for children under age 3, and surveillance throughout childhood
    • Dyslipidemia screening for children at higher risk of lipid disorders
    • Fluoride Chemoprevention supplements for children without fluoride in their water source
    • Gonorrhea preventive medication for the eyes of all newborns
    • Hearing screening for all newborns
    • Height, Weight and Body Mass Index measurements for children
    • Hematocrit or Hemoglobin screening for children
    • Hemoglobinopathies or sickle cell screening for newborns
    • HIV screening for adolescents at higher risk
    • Immunization vaccines for children from birth - age 18 doses, recommended ages, and recommended populations vary:
      • Diphtheria, Tetanus, Pertussis
      • Haemophilus influenzae type b
      • Hepatitis A
      • Hepatitis B
      • Human Papillomavirus
      • Inactivated Poliovirus
      • Influenza
      • Measles, Mumps, Rubella
      • Meningococcal
      • Pneumococcal
      • Rotavirus
      • Varicella
    • Iron supplements for children ages 6 to 12 months at risk for anemia
    • Lead screening for children at risk of exposure
    • Medical History for all children throughout development
    • Obesity screening and counseling
    • Oral Health risk assessment for young children
    • Phenylketonuria (PKU) screening for this genetic disorder in newborns
    • Sexually Transmitted Infection (STI) prevention counseling for adolescents at higher risk
    • Tuberculin testing for children at higher risk of tuberculosis
    • Vision screening for all children
  • Dependent coverage extended to adult children to age 26.
  • Prohibition of pre-existing exclusions for individuals under 19.
  • Compliance with specific internal claims appeals processes and external review requirements.
    Source: http://www.healthcare.gov/law/about/provisions/services/lists.html


United Healthcare One Individual Health Insurance Plans

  • United Health Care Insurance Company (www.uhc.com) Rated "A" by A.M. Best
  • Golden Rule Insurance Company (www.goldenrule.com) Rated "A+" by Standard & Poors
  • Industry leader in HSA qualified HDHP's (What is an H.D.H.P anyway and what is an H.S.A.?)
  • Industry leader in Individual & Small Group Traditional Health Insurance Plans
  • Designed revolutionary CONTINUITY plan (see yellow brochure below) that maintains "Guaranteed Insurability"
  • Unlimited lifetime benefits for each insured
  • Organ transplants covered same as any other illness (extremely important feature)
  • 4 tier "first dollar" outpatient prescription co pay card included with the Co Pay Select plan, Plan 100 & 80.
  • Unlimited "first dollar" $35 outpatient doctor office visit co pays with the Co Pay Select plan
  • $500 to $5,000 calendar year deductibles to choose from
  • 100%, 80/20 & 70/30 co-insurance plans to choose from
  • Largest Nationwide P.P.O. network in the U.S. with over 535,000 physicians and 4,700 hospitals to choose from: Are your doctors in the network? Find out here: https://www.uhone.com/CustomerCare/FindDoctor.aspx
  • Optional "first dollar" A.M.E pays first $500, $1,000, $1,500, $2,500, $5,000 or $10,000 of each accidental injury.
  • Aforementioned PPACA Preventative Care Mandated benefits included on all plans.
  • Limited Maternity Benefit available
  • Optional lower priced ancillary WBA Accident plan providing up to $10,000 of "first dollar" coverage per accident (see V.B.A. brochure below)

Adobe Acrobat reader is required to view these PDF files. Get the free reader at http://www.adobe.com/products/acrobat/alternate.html

United Healthcare One Traditional Health Plans & HSA qualified HDHPs for 2011 ( PDF)
See Pgs. 8-13 for HSA qualified HDHP details. See Pgs 24-26 for your State's Specific Benefit Variations

United Health Care One Continuity Health Plans Brochure ( PDF)

 PLEASE NOTE: If you interested in adding the "Continuity" feature to any of the United Health Care products you must submit a unique paper application to United Health care here at the time of application. The Continuity application must be signed by the broker of record. This being the case, please contact us for help in the enrollment process for this product.

Click below for FREE side by side comparison quotes for Term Life Insurance coverage from carriers.



World Care Individual Dental Insurance Plan Brochure ( PDF)

Since accidental injuries are far more likely to occur than major medical illnesses (most especially when you have active children) many families are choosing to purchase supplemental accident expense plans. These plans pay you a cash benefit of $2,500, $5,000, $7,500 or $10,000 when an accidental injury occurs. This cash can then be used to pay your health insurance plan deductible. Supplemental Accident Expense plans are also a great way to save money because you can choose a higher deductible than you would normally choose knowing that you will not have to pay that deductible if an accidental injury occurs to any member of your family. Click below for more information:


 

Supplemental Accident Expense plans can also be coupled with Critical Illness plans. In fact, Supplemental Accident Expense plans are often cheaper when coupled with Critical Illness plans. Why consider Critical Illness coverage?

Approximately 1.2 MILLION people suffer heart attacks each year. Approximately 780,000 people suffer strokes each year. More than 1.4 MILLION new cancer cases were estimated for diagnosis in 2007 alone. Between 1994 and 2004, the death rate declined approximately 31% for heart attacks and almost 24% for strokes. (Source: American Heart Association, Heart and Stroke Statistical Update, 2008.) The possibility of surviving a Critical Illness before age 65 is almost twice as great as dying. (Source: National Center for Health Statistics.)

WOULDN’T A CHECK BE BETTER THAN A GET WELL CARD? Critical Illness benefits are paid directly to you. You choose how to spend the benefit at a time when you and your family may need extra cash the most. For example:

  • Home Health Care
  • Cost of Caregivers
  • Lost Income of Self or Spouse
  • Daily Living Expenses
  • Co Pays, Deductibles & Co-Insurance
  • Non -Covered "Experimental Treatments
  • Housekeeping or Child Care Expense
  • Maintenance of Your Family's Quality of Life

American Financial Resources Inc. (www.gafri.com) A subsidiary of American Financial Group Inc. (www.afginc.com) has introduced a new Supplement Accident Expense plan that also includes Critical Illness coverage and it's extremely well priced. Adding this product to any health insurance plan would not only alleviate the worry of paying your health plan deductible if you or a family member where to suffer an accidental injury but it will also provide you a much larger cash benefit (up to $50,000) if you or a family member where to contract a critical illnesses such as life threatening Cancer, Stroke, Kidney failure, Major Organ Transplant, Muscular Dystrophy, Multiple Sclerosis or if you suffer a Heart Attack.  For more information about this unique and affordable plan click the brochure below. For a free quote, please contact us and we will send you quotes via email. Or call us toll free @ (866) 724 7123.



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