UniCare has announced it will no longer participate in the commercial health insurance market in Texas and has endorsed Blue Cross and Blue Shield of Texas (BCBSTX) as the insurer for its members and employer groups.
BCBSTX and UniCare have worked out a seamless transition of benefits and coverage for current UniCare employer groups and individual policyholders who elect to purchase a BCBSTX policy. BCBSTX coverage for these insureds will begin at 11:59 pm on Dec. 31, 2009. If policyholders do not accept the BCBSTX offer, UniCare will continue to provide coverage to existing customers through a date determined by UniCare.
- BCBSTX will offer transitional services for treatments that have been preauthorized under Unicare. For example, if a UniCare member has surgery scheduled for after Jan. 1, the surgery will proceed, and BCBSTX will cover it.
- Deductible and out-of-pocket expenses that members incurred in 2009 will continue to be their responsibility. BCBSTX will process claims incurred on or after Jan. 1, 2010 and accumulate towards the new deductible and out-of-pocket amounts, which also are the members' responsibility.
- Lifetime maximums are being reset at $0 upon transition to BCBSTX.
- Health savings accounts (HSAs) that employer groups have a with their UniCare policy will transfer to a BCBSTX HSA plan.
UniCare will retain its Medicare, Medicaid, Federal Employees Program, Group Insurance Commission, student health, and MHealth plans, as well as stand alone specialty products such as dental, vision, life and disability.
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