Comprehensive Healthcare Coverage at an Affordable Price
Health insurance is a necessary evil. Its high premiums often mean that people are left under-insured because they can’t afford the level or type of coverage they truly need. Unity HealthShare offers a viable alternative to the rising cost of health insurance with its comprehensive healthcare plan.
What Unity’s comprehensive health insurance covers
When it comes to your health and well-being, cutting corners shouldn’t be an option. People depend upon their health to be able to work and provide for their needs and the needs of their family. Comprehensive health coverage makes that possible by meeting the full spectrum of an individual’s needs.
Who the comprehensive coverage candidate is
Comprehensive coverage is ideal for individuals with pre-existing conditions, those who are aging, or those who have children and growing families. Individuals who find themselves visiting the doctor often and needing labs and diagnostic services will find that comprehensive coverage is a great fit. Parents of children who need immunizations and tend to catch the typical childhood illnesses also benefit from a comprehensive health insurance plan.
The difference between major medical and comprehensive health coverage
Unity HealthShare’s comprehensive healthcare plan is part of a healthcare sharing ministry. As such, it is not subject to the same requirements as regular health insurance companies under the Affordable Care Act (ACA). This means that Unity can offer quality healthcare at lower prices. All of Unity’s comprehensive healthcare plans meet the ACA minimum requirements of preventive care, prescription drug coverage, emergency services, and hospitalization, but are ACA exempt. They are also exemption from the individual responsibility requirements of the Patient Protection and Affordable Care Act (ACA). This means Unity HealthShare members aren’t tied to the insurance mandates outlined within the ACA.
How Unity HealthShare’s comprehensive coverage works
Unity’s comprehensive coverage has an MSRA that works much like the deductible for traditional insurance. Once the MSRA is reached, co-expenses kick in. Co-expenses are equivalent to insurance co-pays, and members pay co-expenses until they reach their maximum out-of- pocket for the year. Premiums for Unity’s plans are based upon the MSRA. The higher the MSRA, the lower the premium. Through “high deductibles,” Unity can offer quality healthcare at affordable prices.
People can be covered at the level they need through Unity’s approach to comprehensive healthcare. When it comes to people’s health, cutting corners isn’t an option.