UnitedHealthcare’s most comprehensive Ohio copay policy is the “Copay Select” contract. It features a $35 copay on covered office visits with an optional $25 copay. There is no maximum limit on the number of allowable visits. UnitedHealthcare rates are generally extremely competitive when compared to the other large insurance carriers. Some of the popular low-cost options can be found in this article we recently wrote.
Prescriptions are included, and like most companies, feature a “Tier” system. For example, “Tier 1” drugs have a $15 copay while other drugs will have a higher out-of-pocket expense.
Child and adult preventative care benefits are provided at 100% coverage with no deductible or waiting period. Some of the covered benefits include annual physicals, wellness checks, mammograms and Pap tests.
Overall, UnitedHealthCare’s “Copay Select” Plan is one of the most popular plans in the state. Rates are extremely competitive, especially in the Dayton and Columbus areas. A wide range of major medical deductibles is available, ranging from $500 to $10,000. The $7,500 and $5,000 deductibles are commonly used to lower premiums.
Aetna”s PPO 2500 plan is similar, but is typically more expensive in most parts of the state. Medical Mutual”s SuperMedOne policy is also very competitively priced in the market. Coverages are comparable and like UnitedHealthcare, Medical Mutual has a large network of providers.
UPDATE: July 30 2014 – Although many Buckeye residents may still have this plan (if it is grandfathered), it is no longer available as a new policy, since many of the ACA (Affordable Care Act) guidelines are not met. There are many comprehensive options offered and you can view rates, coverages and enrollment information throughout our website.