We are very happy to work with the excellent Unicare products and services. UNICARE offers Major Medical Health Insurance to 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.
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Small group employers and their employees today are, quite rightly, demanding more than ever from their health plans. More choices. More stability. More value.
UNICARE Life and Health Insurance Company delivers what you’re looking for with a new approach to health care coverage:
BusinessFlex for Small Groups, featuring:
- Defined Contribution Options for both medical and dental coverage delivering more control of employers’ share of premiums
- MemberFlexSM offering even greater flexibility and choice to employees
- A Premium Only Plan through Ceridian Benefits Services, enabling employees to pay their share of benefits with pre-tax dollars and employers to decrease their payroll taxes
- A wide array of life and dental coverage options
- Healthy Extensions offering discounts and access to vitamins, nutrition and fitness programs
- Med Call connecting members toll free to Registered Nurses 24-hours a day, by phone
- And much more.
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Business Flex combines popular, reliable UNICARE coverage with innovative new features including:
- Defined Contribution Options
- MemberFlex
- Section 125 Premium Only Plan
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- BusinessFlex's defined contribution options give employers the power to control their benefit costs.
- Employers can better plan their budgets and free up money for growing their business.
Business Flex offers four contribution options:
- Limits your share of monthly premium to no more than $100 per covered employee.
- Limits your share of monthly premium to no more than $80 per covered employee.
- Empowers you to pay any fixed amount in excess of $100 per covered employee (increases available in $5 increments).
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- Enables you to contribute a percentage of the total monthly employee premium.
- Defined Contribution 15
- Defined Contribution Select
- Traditional Contribution.
Under all these contribution options, employees pay any balance of the premium.
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- With MemberFlex, you have the ability to offer more than just a single insurance plan to every employee.
- You have the ability to select any or all of the Performance Choice Plans along with any or all of the High-Deductible HSA-Compatible Plans.
- You also have the option to select any or all of the Consumer Choice Plans along with any or all of the High-Deductible HSA-Compatible Plans.
- The Performance Choice Plans and Consumer Choice Plans may not be combined or offered together.
- You can also offer any or all of UNICARE's dental insurance plans to your employees.
- Employees are then able to choose the coverage that is tailored to their specific needs and budget.
For example, employees who may need only basic health insurance coverage can select a higher deductible, lower premium plan. Meanwhile, employees who require more health care services can opt for a plan with a lower deductible and higher premium.
By extending your employees the ability to choose their insurance coverage, everyone can get the protection they need at a price they can afford.
MemberFlex is subject to medical underwriting and approval by UNICARE.
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- BusinessFlex’s Premium Only Plan (P.O.P) offers employers and employees even greater opportunity for savings.
- This IRS sanctioned plan allows workers to use pre-tax dollars to pay their share of benefit premiums.
- As a result, total taxable payroll is reduced, saving employers on FICA and other taxes.
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