Simply put, health insurance is protection against medical costs. A health insurance policy is a contract between an insurer and an individual or group, in which the insurer agrees to provide specified health insurance at an agreed-upon price. We offer a comprehensive selection of health policies through UNICARE and American Medical Security:

• Individual
• Family
• Senior (medicare supplement)
• Small Group (2-50 employees)
• Dental

UNICARE is a part of WellPoint who is consistently one of the top rated and most admired insurance groups for customer satisfaction in the country. More individuals purchase their individual medical coverage through the WellPoint family of companies than any other individual carrier in the United States.

Affordable plans

UNICARE Life & Health Insurance Company offers a wide choice of plans designed to deliver the benefits you want at an appealing price.

Freedom to choose your health care providers

With UNICARE, you are in charge of your health care choices. You choose your doctor, the health plan that best suits your lifestyle and budget, and even your premium payment option. You decide the amount of your health costs to assume, understanding that the more you assume, the less you'll pay in premiums.

Access to quality care at discounted fees

When you choose providers (independent hospitals, physician, and other medical specialists) from UNICARE’s Performance network, costs to you are reduced in two ways:

• These providers accept a specially negotiated UNICARE rate-what we term "The UNICARE Advantage," and
• UNICARE pays a higher percentage of those rates than it does for out-of-network providers.

UNICARE’s Individual and Family health plans

• Individual UNICARE Saver 2000 Insurance Plan
  Catastrophic in-hospital and limited outpatient benefits with a $2,000 deductible
• Individual Performance 5000, 3000, 2000, 1500, 1000 and 600 Insurance Plans Six separate plans with broad benefits and deductible from $5,000 to $600
• Individual Performance Plus No Deductible Insurance Plan
  Rich in benefits and deductible-free
• UNICARE Individual Dental Fee for Service Insurance Plan
  Choose any dentist, but save through contracting dentists

UNICARE's Medicare Supplement Standard Plans

Medicare offers many benefits, but there are still certain charges which Medicare doesn't cover. These charges or "gaps" can add up quickly during sudden or unexpected illnesses. UNICARE offers a range of Medicare Supplement insurance plans* to help you cover these charges.

• Direct access to any participating doctor, specialist or hospital
• A choice of affordable plans designed to meet your individual needs
• No waiting period for pre-existing conditions
• Affordable coverage that's guaranteed renewable from year to year (insurer may change premiums only by class or state)
• Toll-Free Customer Service Number
• The security of a financially strong Standard & Poor's "A+" rated, A.M. Best** "A-" rated company
  

American Medical Security caters to the needs of individuals, families, and small-groups with plans designed to be simple, flexible, and cost-effective. Discount programs can help you get the vision benefits, dental care, and prescription drugs you need.

Customers enjoy the following benefits:

24-hour customer service saves you time when you call because you can speak to a real person 24 hours a day. Customer service representatives can answer your questions, explain benefits to you, and provide quality service. You can call us toll free or use the frequently asked questions to find your answers or submit your questions online.

Nurse Healthline, Inc. is a toll-free service staffed by registered nurses who you can call 24 hours a day for medical information. It’s like having your own nurse on call—while you’re at work, home, or school. (Services provided by our subsidiary, Nurse Healthline, Inc.)

The hospital and medical bill audit benefit is available to you. We make it worthwhile for you to help cut the costs of health care. If you find an overcharge on a hospital or medical bill, we may pay you up to 50% of the savings, up to $1,000 cash per calendar year.

Prescription drug information is accessible 24 hours a day when you register on merckmedco.com as a current customer. Log on today to order prescriptions, view formularies, research health topics, and more in a secure area of the Web site. Merck-Medco is our retail prescription benefit manager.

Case management helps you understand your options when your doctor makes a medical diagnosis that requires special attention. We believe you should understand available health-care options. The case management team is staffed with nurses who can explain those options and help you understand the benefits available. By doing this, you and your health-care provider can make the decisions that work best for you.

The TravelCare benefit is available with our plans using preferred provider organizations (PPOs). That means you may save money on out-of-pocket expenses by using PPO network doctors or hospitals (when you’re outside your primary network's service area—for example, while you travel or when a covered child is away at school). Private Healthcare Systems, Inc. (PHCS) contracts providers in 48 states.

American Medical Security’s Individual and Family health plans

-PPO Copay/Deductible Benefit Plan: Budget out-of-pocket expenses for specific services ahead of time. Ideal for families with younger children who want a plan that covers a broad range of services.

-PPO Deductible Benefit Plan: Choose a traditional plan featuring a deductible (and no copayment). This simple plan helps budget for expenses and control costs by seeing specific network doctors.

-Deductible Benefit Plan With Copay Option: Visit doctors without worrying about a specific network of doctors. Select from a variety of deductible and coinsurance options or add a copay.

Which Health Insurance Plan is best for you?
For many, premium determines the plan they purchase. We provide you with a broad selection of prices. But premium is just one part of a plan's overall cost. Other elements that may influence your overall cost are the annual plan deductible, copayments and coinsurance. These are your share of costs up to the annual maximum. Raising or lowering your share of health cost affects the premium you will be charged for the plan, request a quote today.

HARRISON INSURANCE AGENCY
Serving Dallas / Fort Worth and Surrounding Areas
972-312-1213
214-889-8080 FAX
INFO@HARRISONINSURANCE.COM

Please Note: This webpage and attached links provide a brief description of coverage, but it is not a statement of contract. Please see the actual policy for complete details of coverage, conditions, limits and losses not covered.