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About Us


Our voluntary benefit plans were designed to complement major medical insurance or offset medical costs when traditional health insurance may be unobtainable. UHB plans consist of fixed indemnity insurance coverage, discount programs nationwide including pharmacy, exclusive Concentra benefits, telephone access to a licensed physician 24/7/365 and patient advocacy.

We recognize the challenges associated with the quality and cost of health care today. UHB is committed to providing its members with immediate solutions to health care needs and education on maximizing benefits. We will administer seamless membership services and outstanding member advocacy as it relates to your plan selection.

Our Mission


We provide unique solutions to health care needs for those we serve.

Core Values


Service Excellence
Service Excellence is our standard, and quality performance is a requirement. We are dedicated to creating positive experiences and exceeding expectations of those we serve. Our success is determined by the growth and retention of our members, providers and partners.

Member Advocacy
It is our privilege to serve and accommodate your health care needs; therefore, our team is readily available to support and guide you in the right direction when you have questions or need answers. In effort to enhance our Member Advocacy Program, we have organized a Universal Board of Members, composed of members only, to measure UHB performance and deliver the feedback you present.

Integrity
We build lasting relationships by demonstrating honesty and integrity. We believe this is the only way to conduct business and gain loyalty from those we serve.

Continuous Improvement
We are a learning organization committed to advancing our level of service. We gladly solicit feedback from members, partners and industry leaders for further development. We will embrace change to enhance efficiency, refine products and improve our performance. We strive to excel in every aspect of our business and will not settle for less than the best.

Professionalism
We will engage in continuous professional and personal development and promote an atmosphere of positive, respectful and ethical behavior. We will always take responsibility for our actions and hold each other accountable to the values we profess. Anything less is unacceptable.

Universal Health Benefits believes, “People don’t care how much you know until they know how much you care.”
– John C. Maxwell.

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Universal One

 

UHB Limited Benefit Health Programs are not comprehensive major medical insurance plans.

or a list of insurance terms defined or to access an extensive description for each plan benefit, select “Insurance Terms Defined and Benefit Provisions” in the upper right hand corner.
 
*OUTPATIENT PHYSICIAN OFFICE VISIT BENEFIT*  
Maximum Number of Office Visits per Covered Person per Calendar Year: 3 Plan pays $150 per visit
***Exclusive Concentra Benefit***  
To prevent you from paying out of pocket for an office visit exceeding the $150 benefit above, Universal HealthBenefits and Concentra Medical Centers in Texas have coordinated an Exclusive Benefit for ALL UHB Members. Concentra Medical Centers in Texas will accept the $150 benefit above as payment in full for all urgent carerelated services rendered in-house during a visit. Use your physician office visit benefit at a Concentra Medical Center in Texas and pay nothing.
   
***Exclusive Concentra Discount Fee for Physical Therapy***  
Physical Therapy - Members pay $80 per physical therapy visit at Concentra Medical Centers in Texas. Members pay $80 at time of service
*DAILY IN-HOSPITAL BENEFIT*
Maximum Number of Days of Confinement per Calendar Year For All Covered Conditions: 150 Plan pays $500 per day
*DAILY IN-HOSPITAL BENEFIT FOR INTENSIVE CARE (ICU)*
Benefit Payable for a Maximum of 30 days per Calendar Year. Plan pays $1000 per day
*DAILY IN-HOSPITAL BENEFIT FOR SKILLED NURSING FACILITY*
Benefit Payable for a Maximum of 30 days per Calendar Year. Plan pays $250 per day
*GROUND AMBULANCE SERVICE BENEFIT*
Maximum Number of Trips per Covered Person per Calendar Year: 1 Plan pays $300 per trip
*EMERGENCY ROOM FOR SICKNESS ONLY*
Maximum Number of Emergency Room Visits per Covered Person per Calendar Year: 1 Plan pays $200 per visit
SUPPLEMENTAL ACCIDENT BENEFIT*
Maximum Benefit Payable per Accident per Covered Person:NO MAXIMUM Plan pays up to $500 per accident
*SURGICAL BENEFIT*
Payment Determined by Schedule of Surgical Benefits up to Maximum. Plan pays up to $3000 per surgery
*ANESTHESIA BENEFIT*
Benefit Paid as % of Surgical Benefit. Plan pays 25% of Surgery Benefit per surgery
*OUTPATIENT SURGICAL FACILITY BENEFIT*
Maximum Number of Outpatient Surgical Facility Benefits per Covered Person per Calendar Year: 1 Plan pays $500 per visit
*PATIENT ADVOCACY*
A personal advocate, assigned by The Karis Group, will determine FINANCIAL ASSISTANCE OR NEGOTIATE A SETTLEMENT OR PAYMENT PLAN, on your behalf, once insurance and network discounts have been applied to a claim.
Included
*LIFE INSURANCE*
Employee Plan pays $20,000
Spouse Plan pays $20,000
Child - age 6 months to 26 years Plan pays $10,000
Child - age 15 days to 6 months Plan pays $1,000
*ACCIDENTAL DEATH AND DISMEMBERMENT BENEFIT*
Employee Only. Plan pays $20,000
*SHORT TERM DISABILITY BENEFIT*
Maximum Benefit - 26 weeks Plan pays 60% of salary up to $150 per week
*DISCOUNT SERVICES*- A Careington Value-Add Product
Dental Discount - Members may take advantage of savings offered by an industry leader in dental care. Careington International Corporation is one of the most recognized professional dental networks in the nationand boasts a provider network of over 98,000 dental access points. Save 20% to 60% on most dental procedures including routine oral exams, unlimited cleanings and major services such as root canals and crowns.
Member receives discount with
participating providers
   
Vision Discount - Members save an average of 48% to 62% and have access to more than 43,000 providers nationwide. Member receives discount with
participating providers
 
Hearing Discount - Members receive initial audiology screening at no cost and have access to 2,000 providers nationwide. Member receives discount with
participating providers
   
LASIK Discount - Members receive a free consultation and have access to savings of 40% to 50% off overall national average cost for LASIK surgery. Member receives discount with
participating providers
   
Lab Discount *Not available in HI, MD, NY, NJ, RI or MA, ND, SD and VT offer Specialty Lab testing only*- Members will save 10% to 80% off regular retail pricing at over 3,000 certified labs nationwide. Member receives discount with
participating labs
   
Imaging Discount *This product is not available in AK, HI, MA, VT, and WY* - Members save 35% to 60% at over 3,900 outpatient radiology facilities. Member receives discount with
participating facilities
   
Diabetic Supply Discount - Members will save 52% to 72% off the retail pricing of diabetic testing supplies. Member receives discount with
participating retailers
*TELEMEDICINE*  A Careington Value-Add Product *DISCOUNTS AND SAVINGS LISTED ARE INCLUDED IN PLAN*
Members and family have UNLIMITED ACCESS to US-based physicians through consultation over thephone or through email 24/7/365.  Physicians will review medical history, diagnose common conditions,recommend treatment plans and prescribe non-controlled medication when appropriate. Included
***Money Saving Tip***
We understand it's difficult to leave work when an illness occurs. This could prevent you from missing
work and pay while you receive the treatment you deserve.
 
Terms and Conditions: Teladoc does not replace the primary care physician. Teladoc does not guarantee that a prescription will be written. Teladoc operates subject to state regulation and may not be available in certain states. Teladoc does not prescribe DEA controlled substances, non-therapeutic drugs and certain other drugs which may be harmful because of their potential for abuse. Teladoc physicians reserve the right to deny care for potential misuse of services. Teladoc phone consultations are available 24 hours, 7 days a week while video consultations are available during the hours of 7am to 9pm, 7 days a week. Consultations are not available in Oklahoma or Massachusetts. Video Consultations are not available in Idaho, Iowa, Louisiana, Oklahoma, Massachusetts or Texas. © 2012 Teladoc, Inc. All rights reserved. Teladoc and the Teladoc logo are registered trademarks of Teladoc, Inc. and may not be used without written permission.
 
*PRESCRIPTION DRUG DISCOUNT* A Careington Value-Add Product
Members receive prescription discounts at over 60,000 participating pharmacies nationwide.  You may receive an average savings of 15% to 60% on generic drugs and 15% to 25% on brand name prescriptions.You may also participate in mail-order pharmacy and save more on maintenance medications.
Member receives discount
with participating pharmacies
***Money Saving Tip***
Ask your provider or pharmacist for a generic prescription where applicable. With a generic prescription,
the cost is lower and you will receive a greater discount.ss
 
THIS PLAN IS NOT INSURANCE and is not intended to replace health insurance. This plan does not meet the minimum creditable coverage requirements under M.G.L. c. 111M and 956 CMR 5.00. This plan is not a Qualified Health Plan under the Affordable Care Act. The plan provides discounts at certain health care providers for medical services. The range of discounts will vary depending on the type of provider and service. The plan does not make payments directly to the providers of medical services. Plan members are obligated to pay for all health care services but will receive a discount from those health care providers who have contracted with the discount medical plan organization. You may access a list of participating health care providers at www.uhb1.com. Upon request the plan will make available a written list of participating health care providers. Discount Medical Plan Organization and administrator: Careington International Corporation, 7400 Gaylord Parkway, Frisco, TX 75034; phone 800-441-0380.
This program is not available in Montana and Vermont
 
For questions regarding your Universal One plan, please contact UHB Member Services at 855.690.7700 or email:  info@uhb1.com.
 
 
 
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Universal Plus

Careington Products
*TELEMEDICINE*
Members and family have UNLIMITED ACCESS to US-based physicians through consultation over the phone or through email 24/7/365.
Physicians will review medical history, diagnose common conditions, recommend treatment plans and prescribe non-controlled medication when appropriate.
***Money Saving Tip***
We understand it's difficult to leave work when an illness occurs. This could prevent you from missing
work and pay while you receive the treatment you deserve.
CALL TELEMEDICINE WHEN:
▪ When your physician is not available.
▪ After normal hours of operation.
▪ For non-emergency care.
 
Terms and Conditions: Teladoc does not replace the primary care physician. Teladoc does not guarantee that a prescription will be written. Teladoc operates subject to state regulation and may not be available in certain states. Teladoc does not prescribe DEA controlled substances, non-therapeutic drugs and certain other drugs which may be harmful because of their potential for abuse. Teladoc physicians reserve the right to deny care for potential misuse of services. Teladoc phone consultations are available 24 hours, 7 days a week while video consultations are available during the hours of 7am to 9pm, 7 days a week. Consultations are not available in Oklahoma or Massachusetts. Video Consultations are not available in Idaho, Iowa, Louisiana, Oklahoma, Massachusetts or Texas. © 2012 Teladoc, Inc. All rights reserved. Teladoc and the Teladoc logo are registered trademarks of Teladoc, Inc. and may not be used without written permission.
 
*PRESCRIPTION DRUG DISCOUNT*
Members receive prescription discounts at over 60,000 participating pharmacies nationwide. You may receive an average savings of 15% to 60% on generic drugs and 15% to 25% on brand name prescriptions. You may also participate in mail-order pharmacy and save more on maintenance medications.
***Money Saving Tip***
Ask your provider or pharmacist for a generic prescription where applicable. With a generic prescription, the cost
is lower and you will receive a greater discount.
Additional Plan Features:
▪ Members have access to prescription price checks online. Prescription pricing details update daily.
▪ Members have the ability to locate a local pharmacy online.
CLICK HERE FOR SAMPLE PRESCRIPTION DRUG SAVINGS
*DENTAL DISCOUNT*
Members may take advantage of savings offered by an industry leader in dental care. Careington International Corporation is one of
the most recognized professional dental networks in the nation and boasts a provider network of over 133,000 dental access points.
Save 20% to 60% on most dental procedures including routine oral exams, unlimited cleanings and major services such as root canals and crowns.
Additional Plan Features:
▪ Members may visit any participating dentist on the plan and change providers at any time.
▪ No hassle or waiting. Use the plan immediately with unlimited usage and no frequency limitations. You may see your participating dentist whenever you like and receive immediate savings!
▪ Members will receive a 20% reduction on specialist's normal fees. Specialties include: Endodontics, Oral Surgery, Pediatric Dentistry, Periodontics and Prosthodontics where available.
CLICK HERE FOR SAMPLE DENTAL FEE SCHEDULE
*VISION DISCOUNT*
Members save an average of 45% to 60% and have access to more than 43,000 providers nationwide.
CLICK HERE FOR SAMPLE VISION SAVINGS CHART
*HEARING DISCOUNT*
Members receive initial audiology screening at no cost and have access to 2,000 providers nationwide.
*LASIK DISCOUNT*
Members receive a free consultation and have access to savings of 40% to 50% off overall national average cost for LASIK surgery.
*LAB DISCOUNT*- Not available in HI, MD, NY, NJ, RI or MA, ND, SD and VT offer Specialty Lab testing only
Members will save 10% to 80% off regular retail pricing at over 3,000 certified labs nationwide.
*IMAGING DISCOUNT* -This product is not available in AK, HI, MA, VT, and WY
Members save 35% to 60% at over 3,900 outpatient radiology facilities.
*DIABETIC SUPPLY DISCOUNT*
Members will save 52% to 72% off the retail pricing of diabetic testing supplies.
Disclosures:
THIS PLAN IS NOT INSURANCE and is not intended to replace health insurance. This plan does not meet the minimum creditable coverage requirements under M.G.L. c. 111M and 956 CMR 5.00. This plan is not a Qualified Health Plan under the Affordable Care Act. THIS IS NOT A MEDICARE PRESCRIPTION DRUG PLAN.* The plan provides discounts at certain health care providers for medical services. The range of discounts will vary depending on the type of provider and service. The plan does not make payments directly to the providers of medical services. Plan members are obligated to pay for all health care services but will receive a discount from those health care providers who have contracted with the discount medical plan organization. You may access a list of participating health care providers at www.uhb1.com. Upon request the plan will make available a written list of participating health care providers. You have the right to cancel within the first 30 days after receipt of membership materials and receive a full refund, less a nominal processing fee (nominal fee for MD residents is $5, AR and TN resident will be refunded processing fee). Discount Medical Plan Organization and administrator: Careington International Corporation, 7400 Gaylord Parkway, Frisco, TX 75034; phone 800-441-0380.
This plan is not available in Montana and Vermont. This plan is not currently available in Washington. *Medicare statement applies to MD residents when pharmacy discounts are part of plan.
For questions regarding your Universal Plus plan, please contact UHB Member Services at 855.690.7700 or email: info@uhb1.com.
 
 
 
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Change Your Plan


We understand you may need to make changes or cancel your plan. Please print the form below, and complete in its entirety. It is your responsibility to return the form to Universal Health Benefits by fax or email. All requests must be submitted the Monday at 12:00 PM CST, prior to your next recurring deduction to qualify. You will be notified by a UHB team member once your request has been processed.

 

Click below to access form.
Return form to Universal Health Benefits:
FAX: 855.208.1140
EMAIL: admin@uhb1.com
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Concentra


Concentra, a subsidiary of Humana Inc., is a national health care company focused on improving America’s health, one patient at a time. Through its affiliated clinicians, the company provides occupational medicine, urgent care, physical therapy, and wellness services from more than 330 medical centers in 40 states. In addition, Concentra serves employers by providing a broad range of health services and operating more than 270 worksite medical facilities. Through this complement of services, Concentra intends to raise the standard of health by putting individuals first, treating them with clinical excellence, and focusing on their ongoing well-being.

Universal Health Benefits and Concentra Health Services, Inc. have partnered to provide you with an Exclusive Benefit Program. Members will receive THREE OFFICE VISITS AT NO COST when your office visit benefit is applied toward a Concentra clinic. Services include urgent care, lab tests, x-rays, physicals, annual exams and biometric screenings. (Benefit amount may apply to physician office visits outside Concentra network)

You have the choice to visit a Concentra facility, Primary Care Physician or Emergency Room for your health care services. Without knowing their strengths and weaknesses, it’s hard to make an educated decision about which type of provider to choose. Concentra has laid out and rated each of your choices in the categories that are most important to you. When urgent care makes the most sense, Concentra will be there for you. In addition to their standard urgent care services, Concentra offers occupational medicine, physical therapy, travel health and specialist services.

LOCATION FINDER:- With more than 330 clinics nationwide, you are sure to find a convenient location near you.

PATIENT EXPERIENCE:- See how Concentra Clinics are redefining health care by creating a welcoming, respectful, and skillful experience.

TESTIMONIALS:- Discover the Concentra difference directly from patients.

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FAQ’s


Membership Form (English)
Membership Form (Spanish)

Q.How do I sign up for Benefits and Savings? When does coverage begin?
A.To sign up for Benefits and Savings, please complete the membership form and submit to UHB by fax: 855.208.1140 or email: admin@uhb1.com. UHB will coordinate automated weekly withdrawals from the account of your choice. Your coverage will begin the Friday your first UHB deduction occurs. Weekly coverage and deductions will continue until UHB is notified otherwise.

Q.Is the plan portable if I separate from my employer or am terminated?
A.Yes, you may take the plan with you if you like. UHB will continue weekly withdrawals and your coverage will continue upon separation until notified otherwise.

Q.If I complete an membership form and do not get placed on assignment immediately, will I have to complete a new form?
A.No, your membership information will be saved and activated when you are placed on assignment.

Q.May I make changes or cancel my plan? How?
A.You may make changes or cancel your plan at any time by visiting www.uhb1.com and selecting the "Plan Changes" tab. A change form is available for you to print, complete and return to UHB by fax or email. All requests must be submitted the Tuesday prior to your next recurring deduction to go in effect. You will be notified by a UHB team member once your request has been processed.

Q. When should I receive my Universal Benefits Card? What happens if I lose my card?
A.You will receive a temporary Universal Benefits Card when you fill out your membership form. You will receive your permanent Universal Benefits Card within 5 to 7 business days of plan activation. Please contact UHB member services for a replacement card when necessary.

Q.What happens if recurring billing declines due to insufficient funds one week?
A.It is your responsibility to ensure funds are available weekly to cover the cost of your plan. A service charge may apply for insufficient funds. Please contact UHB immediately to make a missed payment.

Q.How frequently will I pay to have coverage?
A.Once you have determined your plan selection and authorize UHB to coordinate automatic withdrawals from the account of your choice, your account will be drafted every Friday. Coverage is always effective the Friday your draft goes through.

For additional questions, please contact UHB Member Services at 855.690.7700 or email:
info@uhb1.com.

 

 

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UHB



Contact Us


Thank you for choosing Universal Health Benefits as a solution to your health care needs. We are delighted to answer any questions you may have. Please provide us with the information requested below, and we will contact you promptly.
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EMAIL :
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Universal Health Benefits

1333 McDermott
Suite 250
Allen, Texas 75013

Member Services: 855.690.7700
Fax: 855.208.1140
Email: info@uhb1.com
Our bilingual (Spanish) Member Services Team is available to take your call Monday through Friday from 7am to 7pm, Central Standard Time.
 
 
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YOUR ACCESS TO PRIMARY CARE AND MINOR ACCIDENT, ILLNESS AND INJURY SERVICES.

Concentra, a subsidiary of Humana Inc., is a national health care company focused on improving America’s health, one patient at a time. Through its affiliated clinicians, the company provides occupational medicine, urgent care, physical therapy, and wellness services from more than 330 medical centers in 40 states. In addition, Concentra serves employers by providing a broad range of health services and operating more than 270 worksite medical facilities. Through this complement of services, Concentra intends to raise the standard of health by putting individuals first, treating them with clinical excellence, and focusing on their ongoing well-being.

Universal Health Benefits and Concentra Medical Centers in Texas have partnered to provide you with an Exclusive Benefit Program. ALL urgent care related services rendered in-house during a visit are covered 100% by the physician office visit benefit. (Benefit amount may apply to physician office visits outside Concentra network.)

You have the choice to visit a Concentra facility, Primary Care Physician or Emergency Room for your health care services. Without knowing their strengths and weaknesses, it’s hard to make an educated decision about which type of provider to choose. Concentra has laid out and rated each of your choices in the categories that are most important to you. When urgent care makes the most sense, Concentra will be there for you. In addition to their standard urgent care services, Concentra offers occupational medicine, physical therapy, travel health and specialist services.



LOCATION FINDER

With more than 330 clinics nationwide, you are sure to find a convenient location near you.


PATIENT EXPERIENCE

See how Concentra Clinics are redefining health care by creating a welcoming, respectful, and skillful experience.


TESTIMONIALS

Discover the Concentra difference directly from patients.


CONCENTRA DIFFERENCE

Review company values and intentions for standing out in the medical community.

 

 

 

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Privacy Policy


Universal Health Benefits takes your privacy very seriously and assures we will protect all personal information obtained by you. This Privacy Policy demonstrates the procedures applicable to data collection through Universal Health Benefits and uhb1.com, including:


• The information we collect about you
• When and how we collect information
• What may happen to your information

Universal Health Benefits is operated in the United States. If you are visiting uhb1.com from outside the U.S., you agree to any processing of any personal information you provide us according to this policy.

Personal Information

Universal Health Benefits and uhb1.com collect information that you voluntarily provide. Personal information may include that which identifies you specifically, such as name, phone number, email address or home address. In order to fulfill your membership requests or address concerns requested by those already enrolled, it is necessary for us to collect the information mentioned. Declining to provide this information prohibits UHB from processing your membership request or contacting you directly.

Universal Health Benefits may contact you regarding changes in your health care plan or notification of upcoming health care activities once enrolled.

Universal Health Benefits and uhb1.com do not collect or request informationpertaining to your health history or medical records.

Universal Health Benefits has partnered with reputable third parties to coordinate a benefit program for you. It is necessary for us to share the requirements of each third party for plan activation and maintenance. We will only share the required information of third party vendors; however, the information they collect may be distributed otherwise. Please click on the following links to access the Privacy Policy of those related to your plan.


Payment Information

Universal Health Benefits will collect payment information from you upon your election to signup in one of our health care plans. Collection of payment information is required for health care plan membership and changes only. The information required may include credit card specifics such as card type, account number, expiration date, cardholder name and billing address. Payment processing and account information is not obtained through our Website. We prefer to receive specific payment processing information by phone for your protection; therefore, we do not include as a required field on your Membership form. We do not share your account information to anyone other than JPMorgan Chase for payment processing. For access to the Privacy Policy of JPMorgan Chase, please click here.

Cookies

Uhb1.com may collect information regarding your visit to our Website. We use this information for the purpose of improving your viewing experience. For example, we may gather information to track the usage of our site, develop content material, and provide additional information that may be of interest to you. If your Web browser it set so cookies are not allowed, you may not have access to some or all of the features of our Website.

Privacy Changes

Uhb1.com reserves the right to adjust, modify or amend this privacy policy at any time. If we make changes in the way we collect or use information, we will post notification on our site and send you an email at the address you provide. A user is bound by any changes to the Privacy Policy when he or she uses the services after such changes have been first posted.

Should you have any question or concern regarding the Privacy Policy, please send us an email at info@uhb1.com.

 

 

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Universal One:



Q.Is the Universal One plan considered Major Medical Coverage?
A.
No, the Universal One plan includes fixed indemnity benefits and discounts with participating providers. This is not basic health insurance or major medical coverage and is not a substitute for either. Universal One may act as a complement to comprehensive or major medical insurance. It contains specific dollar limits that will be paid for medical services which may not be exceeded. The dollar amounts are listed here.

Q.Does my plan pay for any hospital or physician office visit?
A.
Yes. You may visit any hospital or physician. You will receive up to three physician office visits per year, and the benefit pays $150 per visit. (Concentra Medical Centers in Texas will accept the $150 visit benefit as payment in full for ALL urgent care related services rendered in-house during your visit.)

Q.Are dependents eligible for the Universal One plan? Who is considered an eligible dependent?
A.
Absolutely. We encourage you and your family to sign up in the plan. Eligible dependents include spouses, if not legally separated or divorced, and children up to age 26. Dependents must be under age 70 and reside in the US. Dependents will only be enrolled when you elect dependent coverage.

Q.What is a PPO network, and how can I benefit?
A.
PPO is the abbreviation for Preferred Provider Organization. This organization of providers (referred to as a “network”) has agreed to provide their services at a pre-negotiated discount which reduces your out of pocket cost. Although your plan may be used at any hospital or physician office, members are encouraged to utilize the PPO network for discounted provider services.

How can I determine which providers participate in the Multiplan Network?
A.
You may visit www.uhb1.com and select the "Provider Search" and "Multiplan Providers" tab, or click here to locate a network provider near you.

Q.Is there a pre-existing condition exclusion in the medical benefit?
A.
No, you may begin using your benefits immediately upon activation.

Q.Are Medicare and Medicaid recipients eligible for the plan?
A.
Yes. Having this coverage may interfere with your eligibility qualifications therefore, we suggest keeping you and your family enrolled in those programs as long as you/they qualify.

Q.May I use the plan if I have comprehensive health insurance coverage?
A.
Yes, this plan will pay in addition to any other coverage you have.

Q.Am I eligible for chiropractic visits under this plan?
A.
Yes, chiropractic visits are covered under the benefit of a physician office visit.

Q.Am I eligible for maternity visits under this plan?
A.
Yes, maternity visits are covered under the benefit of a physician office visit.

Q.How do I file claims?
A.
At the time of your medical visit, present your Universal Benefits Card to the provider. The back of your card has all necessary information for your provider to verify benefits and file a claim. Your provider may request payment at the time of service; therefore, you will need to keep a copy of your invoice and submit a claim for reimbursement up to the maximum benefitsuggested in the Universal One plan. Click here for claim form. Once you have completed, mail the claim form and copy of your provider invoice to TCC of South Carolina, PO Box 22557, Charleston, South Carolina, 29413. For question regarding your claim, please contact UHB Member Services at 855.690.7700. (Do we want to go ahead and provide claims number instead?)


Exclusive Concentra Benefit: (Benefits are subject to change at any time with or without notice. Benefit may only be applied to a Concentra Clinic in the state of Texas.)


Q.How do I use my Concentra benefit? May I go to Concentra after my 3 office visits have been used?
A.
When you visit a Concentra Medical Center within the state of Texas, you will provide them your Universal Benefits Card. Concentra will then verify you are eligible to receive one of the three office visits included in your plan. All urgent care related service rendered in-house during your visit are covered 100% under the physician office benefit and paid for by the insurance company. Once you have exceeded your three office visits, you will be referred to Concentra’s Cash Pay Pricing and assume financial responsibility for the cost of the services rendered. For Cash Pay Pricing, click here.

Q.Will my dependents be able to use the Concentra office visit benefit?
A.
Yes. Once you have enrolled dependents in the Universal One plan, they will receive the same benefits.

Q.Are my dependents eligible for pediatric visits under this plan?
A.
Yes, pediatric visits are covered under the benefit of a physician office visit.


***Concentra accepts patients age 3 and up.***


Q.***Concentra accepts patients age 2 and up.***
A.
You may visit www.uhb1.com and select the "Provider Search" and "Concentra" tab, or click here to locate a clinic near you and determine hours of operation for each location.

Q.WWhat happens if I choose to go outside of the Concentra Network for an office visit?
A.
The outpatient physician office visit benefit pays $150 three times per calendar year. When you choose to be seen at a Concentra Medical Center in Texas for urgent care related services, your three visits are covered at no additional cost to you. Should you choose to visit a physician outside of the Concentra network, you will be financially responsible for any charges exceeding $150. For example, your primary care physician may charge $200 for your visit. You have a $150 office visit benefit with your Universal One plan. You will now be responsible for the $50 difference.


KARIS ADVOCACY BENEFIT:


Q.When should I contact Karis?
A.
YYou may contact Karis once all insurance and network discounts have been applied to a claim. You will then be assigned an advocate that will negotiate your out of pocket expense and keep you informed of your case until settled. To begin working with your personal advocate, please contact UHB Member Services at 855.690.7700. (Should we refer to direct Karis line?

Q.Is there a dollar amount that must be met before they will assist in negotiating my out of pocket expense?
A.
No. There is a $0 threshold, which means Karis will negotiate any out of pocket expense you may incur.


TTELADOC BENEFIT:


Q.When should I contact Teladoc?
A.
Contact Teladoc when you need more than basic medical advice. A licensed physician is available to take your call 24/7/365. They will assist with treatment plans, recommendations and prescribe non-controlled prescription medication when necessary.


***It is necessary to complete a Medical History Disclosure prior to making your initial call. Teladoc will keep your information on file for future consultations. You may submit your form by fax, mail or electronically.***



Contact a physician 24 hours a day by calling: 1.800.TELADOC.

***Money Saving Tip***

We understand it’s difficult to leave work when an illness occurs. This will prevent you from missing work and pay while you receive the treatment you deserve.

Q.Is there a consultation fee associated with my call?
A.
There are no additional fees when you follow one of the three steps above.

PRESCRIPTION DRUG DISCOUNT:


Q.How do I use my prescription drug discount card?
A.
Simply show your Universal Benefits Card to the pharmacy and receive immediate savings on your prescription purchase. Members may also receive savings on 90 day supplies of medications when ordered online, by phone or through the mail with mail-order pharmacy. For mail-order pharmacy, call 866.744.0621.

***Money Saving Tip***

Ask your provider or pharmacist for generic where applicable. With a generic prescription, your cost is lower and you will receive a greater discount.

Q.Will I have access to a pharmacy locator or prescription price check?
A.
Yes, please visit www.uhb1.com and select the "Provider Search" and "Pharmacy Locator" tab, or click here to locate to locate a pharmacy near you and receive access to prescription drug price checks.


DISCOUNT SERVICES:


Q.How do my discounts work?
A.
Please visit www.uhb1.com and select “UHB Plans” for a detailed description of your discounts. You may also locate a Discount Network Provider by clicking here. (Jenn will have link after Careington agreement completion.) Once you have selected a provider and make an appointment, you will show your Universal Benefits Card at the time of service. You will be responsible for paying all discounted fees directly to the provider at the time services are rendered.

Q.What should I say when contacting a Discount Provider to ensure they participate?
A.
The provider will recognize the name of the "Careington" network with which they participate; therefore, it is important to use this when making the call.

Q.May I use my discounts when I travel?
A.
Yes, you may access discounts at any participating provider in the United States.

Q.How long will it take before I’m able to use my discounts?
A.
Once you have enrolled in the plan, you may begin using your discounts upon your first weekly deduction from Universal Health Benefits.

Q.May I go to a provider that does not participate?
A.
You may go to the provider of your choice; however, you will only receive a discount by going to a participating provider.

Q.If my doctor refers me to a specialist outside of the network, will I receive a discount?
A.
You will only receive a discount by going to a participating provider. You might try printing a list of participating providers to share with your doctor or dentist to see if he/she could recommend any of the participating specialists.

Q.Once I select a provider, am I assigned to that provider? How often can I change providers?
A.
With the discount feature, you have the ability to select any provider from the network. You may change providers any time, and household members may select their own providers.

Universal Plus:



Q.Is this an insurance plan?
A.
No, this is not an insurance plan. The discount plan provides you with discounted rates on a variety of health care services and products. You will pay for services at the discounted rate at the time services are rendered.

Q.How does my discount plan work?
A.
Please visit www.uhb1.com and select “Universal Plus” for a detailed description of your discounts. You may also locate a Discount Network Provider by clicking here. Once you have selected a provider and make an appointment, you will show your Universal Benefits Card at the time of service. You will be responsible for paying all discounted fees directly to the provider at the time services are rendered.

Q.What should I say when contacting a Discount Provider to ensure they participate?
A.
The provider will recognize the name of the “Careington” network with which they participate; therefore, it is important to use this when making the call.

Q.May I include dependents on my plan?
A.
Yes, one of the exciting features of the discount plan is that your entire household may receive discounts.

Q.May I use my discounts when I travel?
A.
Yes, you may access discounts at any participating provider in the United States.

Q.How long will it take before I’m able to use my discounts?
A.
Once you have enrolled in the plan, you may begin using your discounts upon your first weekly deduction from Universal Health Benefits.

Q.May I go to a provider that does not participate?
A.
You may go to the provider of your choice; however, you will only receive a discount by going to a participating provider.

Q.If my doctor refers me to a specialist outside of the network, will I receive a discount?
A.
You will only receive a discount by going to a participating provider. You might try printing a list of participating providers to share with your doctor or dentist to see if he/she could recommend any of the participating specialists.

Q.Once I select a provider, am I assigned to that provider? How often can I change providers?
A.
Another exciting feature of the discount plan is your ability to select any provider from the network. You may change providers any time, and household members may select their own providers.


Teladoc Benefit:


Q.When should I contact Teladoc?
A.
Contact Teladoc when you need more than basic medical advice. A licensed physician is available to take your call 24/7/365. They will assist with treatment plans, recommendations and prescribe non-controlled prescription medication when necessary.


***It is necessary to complete a Medical History Disclosure prior to making your initial call. Teladoc will keep your information on file for future consultations. You may submit your form by fax, mail or electronically.***



Contact a physician 24 hours a day by calling: 1.800.TELADOC.

We understand it’s difficult to leave work when an illness occurs. This will prevent you from missing work and pay while you receive the treatment you deserve.

Q.Is there a consultation fee associated with my call?
A.
There are no additional fees when you follow one of the three steps above.

PRESCRIPTION DRUG DISCOUNT:


Q.How do I use my discount prescription card?
A.
Simply show your Universal Benefits Card to the pharmacy and receive immediate savings on your prescription purchase. Members may also receive savings on 90 day supplies of medications when ordered online, by phone or through the mail with mail-order pharmacy. For mail-order pharmacy, call 866.744.0621.

***Money Saving Tip***

Ask your provider or pharmacist for generic where applicable. With a generic prescription, your cost is lower and you will receive a greater discount.

Q. Will I have access to a pharmacy locator or prescription price check?
A.
Yes, please visit www.uhb1.com and select the "Provider Search" and "Pharmacy Locator" tab, or click here to locate a pharmacy near you and receive access to prescription drug price checks.



YOUR BILL NEGOTIATION SERVICE.

When discounts and reimbursements are not enough, Karis’ services are initiated and provide individuals with unparalleled attention and dedication to finding the best solutions for resolving their outstanding medical bills. Since Karis treats each individual and their locality and provider as a unique combination of variables, they are able to deliver a customized and comprehensive solution that goes far beyond the benefits of a one-size-fits-all approach. Karis will work with individuals on everything from Medicaid and charitable care qualification to discounted settlements and payment plans. Once engaged, Karis takes responsibility for the flow of paperwork and communications with each provider as they pursue mutually acceptable solutions.

The Universal One Plan includes the Patient Advocacy service provided by The Karis Group. This service links UHB members to negotiating professionals who will assist in resolving bills with medical providers, whether in or outside the network. If you have already received medical care and have bills in hand, you will be assigned a personal negotiator to review your bills and financial circumstance. Depending on your financial resources, your negotiator may pursue a variety of options including helping you apply for financial assistance or negotiating a settlement or payment plan with your provider. During the process, your negotiator will keep you updated on the status of your case. You may call or email your negotiator at any time to get an update on your case or relay new information that may be helpful for your negotiator to consider.


QUESTIONS FROM PATIENTS

TESTIMONIALS



To begin working with your personal advocate, please contact UHB Member Services at 855.690.7700 or email: info@uhb1.com.



YOUR HEALTH CARE PROVIDER NETWORK.

Founded in 1980, MultiPlan is the industry’s most comprehensive provider of healthcare cost management solutions.

MultiPlan has almost 900,000 healthcare providers under contract, an estimated 57 million consumers accessing network products, and 110 million claims processed through these networks each year, giving more of the experience and resources healthcare payers in the commercial healthcare, government, workers’ compensation and auto markets need to face today’s unprecedented cost and competitive pressures.

In addition to offering regional PPO networks in Wisconsin and the southwest, MultiPlan is the only company that can offer access to the leading independent national primary PPO as well as a complementary network, and negotiation and medical reimbursement services through a single electronic submission.

MultiPlan has the know-how and creativity to offer more choices and more value for today's healthcare payers and providers.


LEARN MORE ABOUT COST MANAGEMENT SOLUTIONS


LOCATE A NETWORK PROVIDER



For questions regarding your provider network, contact UHB Member Services at 855.690.7700 or email: info@uhb1.com.



Adroit Mutual Benefits is a Program Manager for the Universal Health Benefits Limited Medical Program, underwritten by Companion Life Insurance Company. ADMU Benefits provides administrative services for the UHB plan. All claims are handled by TCC of South Carolina.

YOUR INSURANCE CARRIER.

Headquartered in Columbia, S.C., Companion Life Insurance Co. has specialized in employee benefits since 1971. The company markets life, dental, disability, accident and other insurance programs through a network of independent agents and brokers, general agents and managing general underwriters. Companion Life is licensed in 45 states and the District of Columbia. It holds an A.M. Best Rating of A+ (Superior).

The mission of Companion Life Insurance Company is to be a well-managed, customer-focused organization acting in the best interests of its policyholders and marketing partners, operating on a financially sound, growing and diversified basis.

SUMMARY OF INSURANCE BENEFITS


COMPANION NAMED TO WARD GROUP’S TOP 50 PERFORMERS



MedImpact- Prescription Drugs

Members are entitled to prescription savings offered by MedImpact. Discounts are available at over 60,000 participating pharmacies nationwide. At the pharmacy, members will simply present their membership card to receive an average savings from 15% to 60% off generic drugs and average savings from 15% to 25% off brand name prescriptions. The pharmacist will enter the member’s information from the identification card and they will receive significant savings at the time of purchase.

Mail-Order Pharmacy

Members can save even more on maintenance medications through a convenient and money saving mail service, MedVantx. Members receive savings on 90-day supplies of medications when ordered online, by phone or through the mail with our mail-order pharmacy!

Members of a UHB plan will receive prescription discounts at over 60,000 participating pharmacies nationwide. You may receive an average savings of 15% to 60% on generic drugs and 15% to 25% on brand name prescriptions. You may also participate in mail-order pharmacy and save more on maintenance medications.

***Money Saving Tip***

Ask your provider or pharmacist for a generic prescription where applicable. With a generic prescription, the costs are lower and you will receive a greater discount.



PHARMACY LOCATOR AND PRESCRIPTION PRICE CHECK

For questions regarding your prescription discount, contact UHB Member Services at 855.690.7700 or email: info@uhb1.com.



YOUR NETWORK OF DENTAL, VISION AND HEARING DISCOUNT PROVIDERS.

As one of the leading providers of dental, medical, health and lifestyle discount plans, Careington is committed to improving the health and well-being of more than eight million members nationwide. Established in 1979 by two entrepreneurial dentists, Careington provides some of the deepest discounts in the industry, attracting a loyal membership base. They partner with the nation’s most respected companies and organizations to create flexible discount plans, set discounted fee schedules and provide friendly customer support. Careington is also an active, founding member of Consumer Health Alliance (CHA), the national association responsible for establishing fair and ethical business practices in the discount health care industry.

Universal Health Benefits and Careington have partnered to provide you with access to multiple provider networks and quality health care at greatly reduced costs. You will receive discounts on Prescription Drugs, Dental Care, Vision Care, Hearing Care, Lasik procedures, Labs, Imaging and Diabetic Supplies.

We understand you may need immediate medical attention outside of normal operating hours; therefore, you will now have unlimited access to a licensed physician 24/7/365 by phone or email.

LOCATE A NETWORK PROVIDER


REVIEW THE UNIVERSAL PLUS DISCOUNT FEATURES


For questions about your discounts or plan features, contact UHB Member Services at 855.690.7700 or email: info@uhb1.com.