Why, yes they do! Only they don’t really call themselves United HealthCare in Arizona. Instead, they market health insurance plans in Arizona under the name Golden Rule Insurance Company. The Golden Rule/United HealthCare plans available here in Arizona are priced very competitively, and they have several different plan options to choose from. They have HSA-compatible plans and copay plans that are as good as any available from any insurance company offering plans in Arizona.
Their HSA-compatible plan covers 100% of covered expenses after the deductible, including doctor office visit fees, prescription drugs, diagnostic testing, and hospitalization and surgery. This means that, once you meet your deductible, United HealthCare pay for just about every medical bill you’ll receive for the remainder of the policy year. For preventative care coverage, like an annual routine exam, you pay a $35 co-payment for your office visit, they cover the rest, including lab work, child immunizations, mammograms, pap smears, and PSA screenings.
They have many different deductibles to choose from, and if you apply for a family policy, you don’t have to be concerned with having to meet more than one deductible — there is only one deductible that has to be met on family plans.
United HealthCare’s copay plan is called Copay Select. It gives you, from the very first day your policy goes into effect, generic prescriptions for $15 and you pay $30 for most brand name drugs. Doctor visits cost you $35 (or optionally $25). This plan pays 100% after your deductible — you don’t have an 80/20 stipulation on this plan. Not having to pay 20% after you met your deductible can save you about $3000 per year if you end up in the hospital. United HealthCare optionally offers this policy in an 80/20 version, which will cost you a few dollars less in premium each month.
Unlike some other health insurance companies offering plans here in Arizona, United HealthCare may offer you a policy when the other companies might decline to give you one due to your health conditions. United HealthCare sometimes will give you the option of paying more than their normal rate, but getting coverage. For example, most health insurance companies won’t give you a policy if you have high blood pressure combined with high cholesterol. United HealthCare may charge you more, but give you a policy and cover those conditions.
Confused about these plans? If you would like more information regarding these or any other health insurance plans available here in Arizona, give Lehrman Group a call at (800) 600-9663, or click here to request an extensive rate quote. Your quotes will include rates for the Arizona Blue Cross plans, Cigna of Arizona, Health Net, United Health Care, and/or other plans we determine to be your smartest choices.
