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Last Updated
Friday, February 23, 2001
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United Security offers a strong alternative to the standard Blue Cross plans. You can choose deductibles fro
m $250 to $5000 with either 80/20 to $5000 or 50/50 to $2000.
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This is the only carrier that we represent that can offer an individual an integrated plan with any combination of Maternity, Life Insurance,
Dental, and Disability.
Two coinsurance options of 80% of $5000 or 50% of $2000.
With either plan design, you'll spend $1000 after deductible, then the insurance pays 100%. Highlighting this comprehensive plan is a Prescription Card, with $7 copayment for generics and $15 for name brand.
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Plan Options Available:
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Maternity
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Yes
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Dental
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Yes
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Life
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Yes
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Disability
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Yes
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Plan Availability:
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United Security plans include a provision to increase the coinsurance amount by 5%, up to 100%, each anniversary when no claims are paid in the previous year. Also included in the
package of benefits are some limited preventive care benefits, up to $200 per year of preventive dental, and some benefits for smoking clinic or diabetes education.
You can choose from two different maternity benefits, either a full benefit as any illness, or a fixed benefit. For those self-employed, 24-hour coverage
is included for individuals who do not carry workman's compensation.
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United Security Life of Illinois - Apex Benefit Plan (50/50 plan available)
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Benefit Description
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Benefit Levels
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Calendar Year Deductible
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$250 to $ 5,000
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Preferred Network
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Affordable (Can get savings bond)
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Deductibles per family
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3x
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Coinsurance
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80%
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Maximum out of pocket - not including deductible, per person.
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$ 1,000
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Number of coinsurance's per family maximum
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2x
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Inpatient and Outpatient hospital services.
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After deductible, paid at 80% until out of pocket maximum, then 100% .
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Inpatient and Outpatient diagnostic services. (xray, lab, etc..)
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After deductible, paid at 80% until out of pocket maximum, then 100% .
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Medically Necessary Office Visits
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After deductible, paid at 80% until out of pocket maximum, then 100% .
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Preventive Care
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A) Annual Physical to $75 per adult; B)
Anti-smoking Clinic up to $100, C) Diabetes Education (100%) up to $100. D) Preventive Dental - Up to $200 per person per year.
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Supplemental Accidental Injury Benefit.
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Outpatient accidental injury covered without deductible for hospital and physician.
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Supplemental Emergency Room Benefit
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None
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Mental Health Benefit- Inpatient care limited to $3,000 per calendar year. $10,000 lifetime total maximum.
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Inpatient- 30 days, . Outpatient at 50% to a max. benefit of $25 per visit, max. visits 26 visits per year.
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Pre-Admission Testing
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Deductible Waived, Covered @100%.
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Maternity Coverage
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Option 1: Scheduled Benefit: 9 month waiting period. Option 2:
Same as any illness: 6 month waiting period. (Well-Baby Care Not included.)
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Prescription Drug Coverage
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Generic Copay: $7.00 Name Brand Copay: $15.00, Mental/nervous drugs at 50%.
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Lifetime Maximums
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$ 2,000,000
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Preexisting Condition Clause. - None for conditions listed on application. For those not mentioned: 12
months prior not covered for 24 months
Pre-certification - NONE
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Underwriting - by health statement, medical records, sometimes paramedic exam.
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24 Hour Coverage - Included at no additional cost for owners and individuals not required to carry Workman's Compensation.
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Dental Program (optional) - Separate $100 deductible, then 50/50 to annual maximum of $1000. No Ortho. Preventive Dental covered under major medical.
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