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About Us
UniCare is a national organization dedicated to the delivery of quality health care plans and products working together with its customers, consultants, brokers, providers and employers. Providing managed care and specialty health care services throughout the United States, UniCare Life & Health Insurance Company is an operating affiliate of WellPoint
Health Networks Inc. (NYSE:WLP www.wellpoint.com), one of the nation's largest publicly traded managed care companies serving the health care needs of more than 13 million members and approximately 42.6 million specialty members.
UniCare offers a comprehensive array of health care plans and specialty products that preserve member choice at competitive prices.
UniCare recognizes that what works for one doesn't necessarily work for another. That's why our full portfolio of health, pharmacy, dental, life and disability benefits products can be tailored to meet your specific needs.
Our focus is on putting our clients and their associates back in control of their health care and financial future. Through exceptional sales and account management staff who listen to our clients and their associates, we can create benefits that evolve over time to meet changing needs and add the most value.
UniCare isn't just a solution for the moment-we're a trusted partner for the long term.
History
In 1995, UniCare became the brand name for most of the WellPoint businesses operated outside of California. WellPoint acquired the group health and life business of Massachusetts Mutual Life Insurance Company ®' in 1996, and in 1997 acquired the group health and related life business of John Hancock Mutual Life Insurance Company ®''. In early 2000, WellPoint acquired Rush Prudential Health Plans in Illinois. This acquisition brings together Rush Prudential and WellPoint's existing UniCare business, and enables UniCare to offer a broad array of products and services in Illinois ranging from traditional PPO products to HMO products.
Structure & Management
UniCare has assembled a senior management team comprising successful and creative individuals from commercial health insurance, specialty products firms, financial services organizations and other Fortune 500 companies.
UniCare is structured around WellPoint's unique Market Business Unit (MBU) concept. Each MBU is organized to serve specific customers and consists of a full-service organization with sales and service functions dedicated exclusively to meeting the needs of customers in a particular segment.
The large employer group businesses, acquired in the MassMutual and John Hancock acquisitions, have a national focus as a result of the multi-state needs of employers in those customer segments. Other business units, such as those focusing on the individual, senior, and small employer group have a regional focus as a result of the localized nature of customers in these segments. Each UniCare business unit is responsible for marketing, enrolling, underwriting and servicing its specific customers and members.
UniCare Products and Services
Consumers want choice of products and providers, and they want more control over their health care decisions. Employers also want the maximum amount of cost control but are more sensitive to employee needs in today's high employment economy. UniCare creates products that combine the attributes consumers find attractive with our cost control techniques. Extensive health care provider networks enable UniCare to offer a comprehensive array of products and services that reflect the company's philosophy of working together with members and providers, affordability for members and their families and choice of health care providers. Employer groups and individual members can select from basic as well as comprehensive plans to meet their specific needs.
Principle Medical Products
UNICARE's strategy is to offer a diversified mix of traditional managed care products while focusing on the development of new hybrid plans which take advantage of the best characteristics of traditional managed care and traditional open access models. The company will offer a continuum of managed health care plans which provide incentives to select more tightly managed plans. UniCare believes that it is better able to predict and control health care costs and provide greater patient choice. Members more needy of care are incented to select more intensively managed health care plans and members less needy of care are allowed to select plans with greater personal freedoms. Such plans are typically offered to provide greater control of care and access in exchange for additional cost-maintenance measures.
Specialty Products
UniCare also provides a broad array of specialty managed care products, including pharmacy, dental, life, disability, behavioral health, COBRA and flexible benefits account administration. In addition, UniCare offers managed care services for self-funded employers, including underwriting, actuarial services, network access, medical management services and claims processing. UNICARE's unique assortment of products and services has been developed to meet the needs of a broad range of individuals, employer groups and their employees.
Ratings Agencies
Most of the insurance companies and health maintenance organizations under the UniCare brand are covered by various Rating Agencies. For your convenience, we have listed and provided links to several Rating Agencies that assign financial strength ratings. The agencies listed provide their ratings free of charge to the public, however, some require a fee to obtain analyst reports.
