Health Insurance Coverage for Individuals, Children Between 2 to 17 years of age, and Families
Personal Options is Unity's individual health insurance product that provides single or family health insurance benefits comparable to those offered through a group plan. Characteristics of the plan include selecting a Primary Care Physician (PCP) and obtaining all non-emergent health care services through a defined network of practitioners, providers and other medical professionals. Some procedures require prior authorization. This means that your PCP must obtain approval from Unity before you can receive coverage for these services.
Our service area includes twenty Wisconsin counties and provides access to a large network of providers. See the Primary Care locations.
Select from Health Maintenance Organization (HMO) and HMO-Health Savings Account (HSA) qualified plans. These plans offer access to Fitness First, Fitness First for Kids (children must be at least 5 years old to participate), and many other popular Unity wellness programs. All children within a family can be on one policy.
Fitness First and Fitness First for Kids programs are independent of the Personal Options HMO individual health insurance policy and there is no additional cost involved.
A Plan to Fit your Budget
Unity offers a variety of Personal Options HMO plan choices including:
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Copayment Plans - a flat dollar amount paid by the policy holder for a specific medical service (i.e., a $25 copay for a routine physical).
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Coinsurance Plans – a dollar amount percentage paid by the policy holder for a specific medical service or piece of equipment (i.e., 20% of the usual and customary cost of a pair of crutches).
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Deductible Plans – a fixed dollar amount paid by the policy holder before benefits of the policy apply (i.e., the first $500 of medical costs incurred are paid by the policy holder; the next $501 up is covered by the insurance company until the end of the calendar year or until the lifetime maximum amount is reached, which ever comes first).
Benefit Highlights
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Preventive care services are covered by the plan which includes routine physicals, well baby care, lab tests, x-rays and immunizations. Preventive care services are subject to the plan copayments, deductible and/or coinsurance if applicable. Many immunizations are covered at 100%.
- A maternity rider may be purchased at the time of initial enrollment or within 31 days of marriage. Note, the maternity rider is not available with the HSA-qualified plans.
- The Personal Options individual health insurance policy offers a $2 million lifetime benefit maximum per member.
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