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VOL 1, ISSUE 1, SEPTEMBER 2006
THE MEDPLUS MESSENGERTHE MEDPLUS MESSENGER
Texas Risk Pool Rates; Outline of Coverage; Application; Network of Providers
GREAT NEWS FROM UNICARE LIFE AND HEALTH INSURANCE COMPANY!
Short-Term (Temporary) Health Insurance Plan Age Eligibility Change:
Previously, the age limit to apply for a UniCare Short-Term Plan was
64 1/2 years old. UniCare has expanded the eligible age to “under
65” to
better meet the needs of your prospective clients. This is great news!
If you have clients who are waiting for permanent coverage, are between
jobs, are new graduates or just have a need for short-term coverage,
the UniCare Short-Term Plan may offer protection from unexpected illness
or injury. Your clients can choose coverage
from 30 to 180 days and choose any day of the month to begin or end coverage.
Deductibles vary from $250 to $2,000 with affordable daily rates.
TO APPLY GO TO:
http://pd.web.wellpoint.com/AgentConnect/first.do?CMPNY=4&ID=HMHLJHTQLZ&PID=&LNO=JJFMPP&Options=ISMX
ATTENTION RECENT COLLEGE GRADUATES!
Get Hooked Up!
This summer’s college graduates may have lost coverage under their
parents’ health insurance plans. With Sound, applicants can choose
from three plans that include basic dental and vision benefits—all
with premiums as low as $77 a month*!
Applicants can link directly from our Web site http://www.allplaninsurance.com
to the "UniCare Sound" online application.
*Monthly rates depend on the plan selected, age, medical history, and where the applicant lives.
UniCare "Pathways" for Small Group Budgets:
Pathways is designed for employers who do not currently offer coverage
or who are getting ready to drop coverage.
UniCare knows that one of your biggest challenges is trying to sell to
groups that don’t offer coverage. Pathways provides low cost
premiums along with vital benefits, creating an attractive solution for
Small Groups!
With Pathways Defined Contribution options as low as $30, budget-conscious employers will know with certainty what their group health contributions will be each month.
A Better Choice: Performance Choice Plus Group Health Insurance!
UniCare’s Small Group Performance Choice Plus Plans are enhanced with benefits your Small Group clients want at essentially the same cost as the old Performance plans:
- Choice of deductibles: $500, $1,000, and $2,000;
- The Office Visit $35 co pay includes lab and x-rays performed
in the doctor’s office on the same day as the office visit*; - First-dollar Preventive Care with the deductible waived and
no maximum for annual Pap smears, mammograms and
PSAs. Other preventive care services are covered (deductible
waived—up to a $300 maximum); - No brand name prescription drug deductible! Three tier
co-payments of $15 for generic drugs; $30 for brand name
drugs on the formulary; $45 for brand name drugs not on
the UniCare formulary. (Log onto UniCare.com and click
on Pharmacy to view a list of formulary drugs); and - 80% coverage in-network and 50% out-of-network.
Tell your Small Group clients about the Performance Plus
plans from UniCare!
*Benefits listed above are based on utilizing independently contracted
participating providers. Note: These plans utilize a Medicare level out-of-network
fee schedule. This is only a brief summary of some plan benefits. Please
refer to the applicable certificate of coverage for more detailed information
including
benefits, limitations and exclusions.
BLUECROSS BLUESHIELD
MEDICARE PRESCRIPTION (PDP) PLANS:
Compare Medicare Prescription Drug Plans by visiting: http://www.medicare.gov/
MEDICARE PPO AND PRESCRIPTION (PDP) PLANS FOR TEXAS RESIDENTS:
Blue MedicareRx Prescription Drug Coverage
Easy, affordable, Medicare-approved prescription drug coverage for individuals:
Blue MedicareRx offers you the affordability, savings, and flexibility
you need for your Medicare-approved prescription drug coverage.
If you are 65 and older, get a free quote
from Blue Cross and Blue Shield of Texas by calling:
1-800-856-6556
FOR THOSE WITH DIABETES:
For more pertinent information for those suffering from diabetes,please visit the web site for the American Diabetes Foundation at:
There, you will find (among other things) information on the:
Dallas Texas Diabetes EXPO
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The EXPO is your one-stop shopping trip for the best in diabetes information!
2007
Dallas Convention Center, Exhibit Hall B
Donation-based admission:
$10 for adults ($5 for guests ages 55 and older)
Free admission for children 17 and under
Last year's EXPO featured more than 60 exhibitors, presentations by Dr. Kenneth Cooper and Ironman Triathlete Jay Hewitt [with links], free health screenings, ask-the-expert sessions, and the very best in diabetes information! The Dallas American Diabetes Association thanks our sponsors and volunteers who helped bring this one-of-a-kind diabetes education event to Dallas residents.
Exhibitor space is still available for this year's exhibition. This is a don’t-miss opportunity for any organization that needs to market products or services to a diverse audience of more than 5,000 consumers. Contact Sherry Hill at 972.392.1181 ext. 6097 or at shill@diabetes.org to learn more.
Free health screenings available:
Blood glucose
Blood pressure
Cholesterol
Foot, eye, kidney
Body mass
Dental
Stress
Prostate
And more!
Youth Zone
Face painting
Games
Information for children and parents facing the challenges of type 1 diabetes
Cultural Diversity Zone:
Spanish-language materials, speakers
African-American specific literature
Healthy Cooking Zone and Health/Wellness Zones:
Cooking demonstrations and nutrition information
Exercise demonstrations
Youth Zone
Check out the EXPO Youth Zone, where families can learn and have fun.
Get your face painted, take a picture with a clown, play games and have
a blast!
Cultural Diversity World
*Multi-lingual Speakers and Materials
*Dancing and Entertainment
*Mini-Lectures
Contact Sherry Hill at 972.392.1181 ext.
6097 or at shill@diabetes.org
to learn more.
CONSUMER NEWS:
Pertinent news and links from the National Association of Health
Underwriters:
http://www.nahu.org/consumer/healthcare/
Employer-Based Health Insurance Coverage
http://www.nahu.org/consumer/healthcare/topic.cfm?catID=1
The majority of Americans have group health insurance coverage through
either their employer, or the employer of a family member. This section
is designed for consumers who need more information about what requirements
apply to group health insurance coverage, or need to know what their options
are if they are about to lose access to their group coverage. It also
provides contact information for the state and federal regulators who
oversee private group health insurance in America, in case consumers have
questions or need to report a problem. Consumers who are looking to purchase
a group health insurance product can go to NAHU's Find An Agent feature
to find an NAHU member in their area to assist them in obtaining coverage.
Individual Health Insurance Coverage
http://www.nahu.org/consumer/healthcare/topic.cfm?catID=2
Many Americans who do not have access to group health insurance coverage, like self-employed people, early retirees, students and people whose employers do not offer health benefits, choose to purchase their own coverage privately. The laws concerning individual health insurance products are different than the laws regulating group coverage, and the requirements vary significantly on a state-by-state basis. This section helps consumers understand how individual insurance is regulated in their area, and it also helps explain the state-specific options available to individual consumers who have serious medical conditions that may preclude them from obtaining traditional coverage. Furthermore, this section contains information about the entities that regulate the individual market, so that consumers can contact them if they have questions or concerns. People who are looking to purchase health insurance on an individual basis can go to NAHU's Find An Agent feature to find an NAHU member in their area to help them buy coverage.
Assistance for Obtaining Health Coverage
http://www.nahu.org/consumer/healthcare/topic.cfm?catID=3
Many Americans need to obtain health care services but may have trouble
paying for them. This section provides comprehensive information about
all of the major federal and state programs to provide coverage assistance
to individuals age 65 and under. It includes specifics and contact information
for large-scale programs like Medicaid, the State Children's Health Insurance
Program and the federal Health Care Tax Credit Program. In addition, this
section contains overviews and contacts for the hundreds of smaller state
and federal-level and private programs that provide coverage assistance
and services to specific populations. This section may be a particularly
helpful resource to people with lower incomes who are either uninsured
or under-insured, and to people who are looking for either primary care
or preventive assistance or help with a serious medical condition, as
many of these programs target those groups.
Of Special Interest to Residents of Texas
THE TEXAS HEALTH INSURANCE RISK POOL PLAN IS FOR THOSE UNINSURABLE BY PRIVATE HEALTH INSURANCE PLANS
If you have been declined for private health insurance due to pre-existing medical conditions or - had your pre-existing medical condition "waived" for coverage - the risk pool plan may be available to you.To obtain rates; requirements to obtain coverage and an application, simply go to their home page at:
or call: 888-398-3927
Once there, you can download and print the complete outline of coverage
and application. Thereafter - simply print and apply.
Of Special Interest to Residents of New York
NEW YORK WEB PAGE:
SONNY HENNING QUOTES GROUP; INDIVIDUAL & FAMILY HEALTH AND LIFE INSURANCE FOR RESIDENTS OF NEW YORK FOR EIGHT YEARS NOW!
For the past eight years, Sonny Henning, a native of Long Island, New York, has been providing businesses and residents of the "Empire State" with the lowest health and life quotes for visitors to ALLPLANINSURANCE.COM
To obtain your quote, please visit Sonny at:
http://allplaninsurance.com/newyork.htm/
Send your request and Sonny will provide your quote as soon as
possible!
WHAT'S NEW ON OUR SITE:
1) New from Aetna: INSTANT
ONLINE QUOTES AND APPLICATIONS!
https://ips.aetna.com/Retail/Home_Login_Consumer.aspx?bid=DoWBLS%2BuNLA=
2) ONLINE TERM LIFE QUOTES AND APPLICATIONS
As of April, All Plan Med & Life Quote began offering
our clients and prospective clients, from the states we currently service
- the ability to obtain online quotes from the most competitive companies
in the term life insurance market. If that person wants to apply for the
quoted coverage, they may "request to make application" and
apply online.
To access this service, simply got to: our home page at:
https://secure.marketech.us/insurance/start.do?agentId=justerm%3Aallplan
3) DISCOUNT PLANS
FOR THOSE WHO EITHER CANNOT AFFORD OR QUALIFY FOR
TRADITIONAL HEALTH INSURANCE
A discount plan may just what your looking for...
GO TO:
http://allplaninsurance.com/discount.htm
ALL PLAN MED &
LIFE QUOTE and ALLPLANINSURANCE.COM sincerely
appreciate your business and will continue to provide your lowest
cost health and life insurance options and the best of on-going service.
We hope this issue of THE MEDPLUS MESSENGER has proved useful to you and that you'll look forward to future issues. As always, we'll try to keep you informed of all that's relevant in this particular sector of the insurance market which constitutes such a significant portion of your family or business overhead.
Until then, take care and please let us hear from you.
| Sincerely, | |
 |
| Kenton Henry | ||
| President | ||
| PHONE: 800-856-6556 | ||
 |
||
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