The United Health Care Group is a health insurance and managed health care company. One of the largest health insurers in the United States, the company has served to provide various health care management services across the country since 1977. In Arizona, the United Health Care Group has teamed up with over 1,000 health care providers such as physicians, clinics and hospitals to ensure clients that they will be getting quality health services by means of managing their payments, dues and other medical bills.
Eligibility
Individuals who want to enroll in the health care plans provided by the United Health Group should be residents of the state of Arizona, particularly in the following counties: Cochise, Pima, Santa Cruz, Graham, Greenlee, Tucson, Maricopa and portions of Pinal County. Interested parties should apply in their area of residence; persons covered by the plan but are moving in another area can apply for another plan. Dependents who live outside the service area may also consider enrolling in a fee-for-service plan, or an HMO that has made agreements with affiliate partners in other areas.
Benefits
The benefits included in the United Health Care Group of Arizona plans include a range of preventive and diagnostic treatment services given by plan doctors and other Plan health care providers, such as X-rays and laboratory tests, mammograms, consultation visits and allergy treatment and testing, to name a few. Hospital care and extended care benefits are also covered by the plan, and so are diagnostic and evaluation services conducted on patients with substance abuse or mental conditions.
Exclusions
The insurance doesn't cover medical services conducted outside the service area (except for emergency bills) and services done by non-Plan providers, as well as payment for the purchase of supplies and drugs, which are deemed to be medically unnecessary, like cosmetics drugs and health supplements, as well as experimental services, such as sex transformation surgery and abortion (unless recommended by the attending physician).
Special Cases
Not all chronic or debilitating illnesses are shouldered by the insurance policy. Thus, patients deemed to be in such conditions should arrange certain agreements with the company to know up to what extent their insurance can cover their health needs.
Payment
The United Health Care Group requires a co-payment of $1,000 per person or $3,000 per family each year, and this payment will be used for all hospital visits (aside from the exclusions mentioned above) for the said year or until the amount has been exhausted. Clients are also required to pay a co-payment of $10 for generic formulary drugs, $20 for branded formulary drugs, and $60 for all non-formulary drugs.
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