AmeriTex Brokerage Group, LLC

Texas Group Insurance Plans

Unicare

HEALTH

UniCare offers full featured and flexible plans to individuals that are part of a group or company. With our plans, you and your employees are free to choose your health care providers. When you choose providers from UniCare's independently contracted network, costs to you are reduced. These providers accept negotiated fees — what we term "The UniCare Advantage." You will usually pay more for the services of out-of-network, nonparticipating providers

UniCare offers major medical health insurance to Texas companies with 2-50 employees. UniCare emphasizes quality care, freedom of choice, and an extensive network of physicians, hospitals, and other health care providers. When using UniCare participating providers, your employees and their dependents are given negotiated discounted rates which, in turn, provide them with the quality care they deserve while reducing their out-of-pocket costs.

How UniCare Participating Providers Save You Money

UniCare reduces health costs without sacrificing quality of care or choice of health care providers.

When you choose a provider from the UniCare network, UniCare pays a higher percentage of the cost because its providers have agreed to accept the lower negotiated rate. Therefore, your out-of-pocket costs will be lower.

If you choose a doctor or hospital that is NOT part of the network (a nonparticipating provider), UniCare will still provide you with benefits. However, UniCare will pay a smaller portion of the bill, and the bill may be substantially higher than with participating providers. You will be responsible for any balance due and your out-of-pocket costs may be significantly higher when you use a nonparticipating provider.

Composite Rating Option

Composite rating is an additional rating option for groups. When you choose composite rating for your group, your employees will have the same rate for each benefit plan in one of four family categories: Employee Only, Employee and Spouse, Employee and Children and Family.

BusinessFlex® — Offer more affordable choices, stability and value you and your employees may need!

Selecting the right insurance plans for you and your employees is a matter of balancing needs. UniCare can help. BusinessFlex® combines reliable UniCare insurance coverage with exciting innovative features including:

Defined Contribution
Options that provide you with more control over your share of employees' insurance premiums

MemberFlex®
Flexibility of plan choice for your employees

Premium Only Plan
Decrease your payroll taxes by enabling your employees to pay their share of benefits with pre-tax dollars

Performance Choice Plans

UniCare's Performance Choice Plans offer a broad range of benefits at competitive prices. Many plans offer a lower in-network out-of-pocket maximum, first dollar preventive care benefits, and several of these new plans offer unlimited office visits with copay.

Medical Plans At a Glance

Performance Choice 500 Plan

Performance Choice 1000 Plan

Performance Choice 2000 Plan

Performance Choice 2500 Plan

Performance Choice Saver 1000 Plan

Medical Plan Limitations & Exclusions

The primary limitations and exclusions for each of the plans are listed above. Please take a few moments to review this information. We want you to understand what your coverage doesn’t include before you buy. These listings are an overview only. A more comprehensive list of each plan’s limitations and exclusions can be found in the plan-specific plan booklet. Only the actual plan provisions will apply.

Underwritten by UNICARE Life & Health Insurance Company

UNICARE Life & Health Insurance Company is rated "A+" by Standard & Poor's Financial Strength Rating Analysis and "A-" (excellent) for claims-paying ability by A.M. Best, an independent insurance industry analyst that bases its rating on operating performance and financial stability.

UNICARE Life & Health Insurance Company is a separately capitalized and incorporated subsidiary of WellPoint Health Networks Inc.  WellPoint is one of the largest managed care companies in the United States and one of the most financially sound. WellPoint and its family of companies provide health coverage for over 6.5 million people and have over 12.9 million pharmacy customers.

DENTAL

Enhance your employees’ health care coverage: by adding a UniCare Small Group dental plan to your company’s benefit package. We offer a variety of coverage and price options, allowing you to provide the dental care your employees need, within your company’s budget. Like the UniCare medical plans, you may choose one of the following three financing options to provide dental coverage for your employees:

1. Defined Contribution 15

2. Defined Contribution Select

3. Traditional Contribution.

    Enables you to contribute a percentage of 50% or more of the total employee premium

For all these options, your employees pay any balance of the premium.

Under MemberFlex®, you, the employer, also decide which dental plan options your employees may choose from.

For a detailed description of coverage, benefits, limitations and exclusions, please refer to the applicable Certificate of Coverage.

Dental Plans At a Glance

FFS

Small Group Standard FFS Dental Plan

Small Group High Option FFS Dental Plan

Silver

Gold

Small Group GoldPlus Dental Plan

Small Group GoldPremium Dental Plan

Others

Small Group UniCare VS

BlueCross BlueShield of Texas

Under Construction