The Saver 2000 plan is UniCare's lowest priced traditional PPO health insurance plan -- priced lower than the $3000 deductible and $5000 deductible options. It's a popular plan that UniCare has been offering for a long time.
The Saver 2000 is distinguished from most other low-priced health plans because it provides relatively comprehensive major medical coverage with limited co-pay benefits (not subject to the $2000 deductible) for office visits and prescriptions.
UniCare can price the Saver 2000 lower because the plan provides limited coverage for various "non-core" health care services covered by the other UniCare plans. Under the SAVER 2000 plan, you could be assuming meaningful liability if you experience a serious illness requiring large expenditures for services such as prescriptions, outpatient x-ray/lab or durable medical equipment.
On the other hand, the SAVER 2000 plan IS extremely affordable and the majority of people who enroll in this plan will do so to their financial advantage. However, if you are considering this plan, you should understand the tradeoffs involved in purchasing a very low-cost health insurance plan such as this.
Following are primary benefit differences between the SAVER $2000 plan and UniCare's "regular" $2000 deductible plan. This comparison is focused on "per person" benefits for services from PPO providers:
