Frequently Asked Questions About UnitedHealthOne Insurance

Am I eligible for a premium subsidy?
The federal subsidy for COBRA premiums has expired. Some mall businesses may be eligible for a tax credit for the cost of health insurance, but this does not directly reduce the premium cost at the time of policy enrollment. Since COBRA is usually the most expensive type of health insurance, it makes sense to consider some less expensive alternatives. When pre-existing conditions are not an issue, short term medical insurance is the obvious alternative for periods up of coverage up to 12 months. Even when pre-existing conditions are not covered by temporary insurance, the lower cost insurance still provides the important evidence of continuous coverage that keeps you from incurring a long waiting period the next time you join a permanent or employer-provided health plan.

Why can't I get quotes for insurance staring in January 2011?
Golden Rule Insurance continues to prepare for upcoming health care reform changes and as a result you will be unable to quote renewable health plans with effective dates beyond 12/31/2010. Currently, available effective dates are 30 days from today up to 12/31/2010. Plans and rates for plans starting in January 2011 will be announced as soon as possible.

Are health reform provisions included in insurance plans issued today?
Yes, many of the changes brought about by the Patient Protection and Affordable Care Act of 2010 are included in plans starting with effective dates of Sept. 23, 2010 including:
• Covered in-network preventive care is not subject to deductible, coinsurance, copays, or a waiting period.
• No aggregate lifetime dollar maximum.
• Prescription drug annual dollar limit is removed.
• Outpatient spine and back annual dollar limit is removed.
• Mental disorder/substance abuse lifetime and annual dollar limit is removed.
• Preexisting condition exclusions are removed for covered dependent children under age 19.

Is dental insurance available alone without medical insurance?
Yes dental insurance is available in most states with or without medical insurance. For quoting and enrollment of dental plans alone without medical insurance, use the Ancillary Products page to find all UnitedHealthOne dental insurance plans available in your area.

OnlineNavigator is a trademark of Freedom Benefits Association, P.O. Box 333, Newport NJ 08345. Tony Novak is an independent insurance producer licensed in all states and the District of Columbia. Other company names, products or trademarks are not affiliated with OnlineNavigator or Freedom Benefits. UnitedHealthOne is a brand name used for products underwritten, administered, and/or provided by Golden Rule Insurance Company (Indiana domiciled, CA certificate of authority number 4407), American Medical Security Life Insurance Company (Wisconsin domiciled, CA certificate of authority number 08079), PacifiCare Life and Health Insurance Company(Indiana domiciled, CA certificate of authority number 5813), PacifiCare Life Assurance Company (Colorado domiciled, CA certificate authority number 5814), Oxford Health Insurance, Inc., Oxford Health Plans (NJ), Inc., or UnitedHealthcare Insurance Company. UnitedHealthcare Services, Inc., Dental Benefit Providers, Inc., Spectera, Inc. Health Insurance plans are medically underwritten and availability varies by state. Coverage may be provided by multiple policies/certificates. Additional Products are provided by: Careington International Corporation. EyeMed Vision Care, or International Medical Group, Inc. (Indiana domiciled). This Web site and its contents are not intended for use in New Mexico and online quotes are not available in South Carolina. Residents of these states should see the alternate listings and individual insurance exchange information at www.FreedomBenefits.net .