United Health Care

United Health Care is one of the largest health insurance companies and offers near universal acceptance by medical facilities. Those who are looking to purchase United Health Care insurance have plenty of plans from which to choose, including copay, high deductible, short term medical, health savings accounts, and student coverage. United also offers dental insurance for those who do not receive coverage through an employer.

People with pre-existing medical conditions may find it easier to receive coverage through United Health than through other insurance companies, although they will still have to go through an exclusion period.

Individuals and families who are looking for a United Health Care insurance plan with many of the same benefits as those provided by an employer should choose the copay option. You will need to pay a set fee for preventive care and office visits, but after copayment, 100% of exam costs will be covered. Most copay plans also cover all prescriptions. This plan offers $3 million in lifetime coverage, with the option to purchase up to $5 million if you find it necessary. This plan is best for families and individuals who visit the doctor often and like the convenience of co-payments.

Another option to consider is a high deductible insurance plan. With this option, you will pay for all medical expenses until your yearly deductible requirement is met, but all subsequent medical expenses will be covered in full. Although the deductible is much higher than other plans, this option offers lower premiums and is a good choice for anyone who is healthy and has money set aside for sudden illnesses or accidents. In this scenario, you might end up saving money even though the deductible is higher. It does require a high level of financial responsibility before any insurance benefits kick in.

Students can also take advantage of United Health Care's student insurance plan. Although many parents are still covered by their parents' insurance while they are attending school, others may be forced to shoulder the responsibility of medical bills themselves. By getting United Health Care insurance, students can receive coverage for medical expenses incurred both on- and off-campus as well as 24/7 access to registered nurses via NurseLine. United Health Care is also accepted nearly anywhere, a huge benefit for students who may be attending school far from home. However, your school will have to offer United Health Care for you to take advantage of their special student insurance coverage.

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