Today United Healthcare serves more than 70 million customers. Their network plans such as Private Health Care  Systems (www.phcs.com) can ease access to high quality care from more than 535,000 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, and outstanding customer service.

 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.  Out of those 7 plans we do not recommend the HSA Saver plan nor the Co Pay Saver plan. These  two products do not include coverage for outpatient Rx (prescription drugs). Due to the extremely high cost of many  outpatient medications needed after the diagnosis of a host of major medical conditions we do not recommend either  of these plans since the cost difference between these two plans and the other United Healthcare plans is very  minimal. The risk is too great to the policyholder to go without outpatient Rx coverage in the event of a worse case  scenario. Most especially since we purchase health insurance specifically for worse case scenarios.

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 the revolutionary new CONTINUITY plan (see yellow brochure below) that maintains "Guaranteed Insurability"
• 3 to 5 million in lifetime benefits per 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 & Plan 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: http://www.goldenrule.com/opd/
• Optional "first dollar" A.M.E pays first $500, $1,000, $1,500, $2,500, $5,000 or $10,000 of each accidental injury.
• Preventative Mammogram, Pap Smear, PSA Test, Labs & X ray covered on a "first dollar" basis at 80% or 100% with the "HSA 100" HSA (Health Savings Account) qualified HDHP (High Deductible Health Plan). See Pg. 9 of brochure.
• 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)

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United Healthcare One Traditional Health Plans & HSA qualified HDHPs ( PDF)
See Pgs. 8-13 for HSA qualified HDHP details. See Pgs 29 -31 for your State's Specific Benefit Variations
 

United Healthcare One Traditional Health Plans & HSA qualified HDHP (COLORADO)

United Health Pacific Care Health Plans & HSA qualified HDHPs (CALIFORNIA) ( PDF)

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.

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World Care Individual Dental Insurance Plan Brochure ( PDF)

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