Ohio Health Insurance Plans…UnitedHealthCare’s “Copay Select”

 

UnitedHealthCare’s  most comprehensive copay policy is the “Copay Select” contract. It features a  $35 copay on covered office visits. There is no maximum limit on the number of allowable visits, although, unlike previous plans, the $35 copay is not adjustable.

Prescriptions are capped at $3000 per covered person per year. Although the generic copay is $15, in most cases your purchase price will be less. Non-generic prescriptions, as expected, can get a bit pricey.

Child and adult preventative care are solidly covered, including vaccines. Lab test and x-ray coverage are offered without a deductible. Mental health coverage is limited, and as usual with most major carriers, maternity is excluded.

Overall, UnitedHealthCare’s  “Copay Select”  Plan  rates high. It is missing a few coverages that Anthem’s “Plan 2” has, but throughout most areas of Ohio, the rate is extremely competitive, especially in the Dayton and Columbus areas.

Aetna’s PPO 2500 plan is similar, but has a higher non-generic deductible ($500 instead of UHC’s $100). However, Aetna’s annual cap on prescriptions is $5,000 instead of $3000.

Medical Mutual’s SuperMedOne Standard policy is also very competitively priced in the Ohio Health Insurance market. Coverages are very impressive and rates are usually attractive.