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United Health Care OTC Catalog

This post will give members of the United Health Care HMO MAPD  plans 1,2 and 3 access to the 2019 United Health Care OTC Catalog.

If you are a member of either a United Health Care Medicare HMO Plan 1, 2, or 3, you have an over the counter benefit as part of your health plan.  Although each plan has different quarterly benefit amounts, you can use the same form to look up products and find out what is available to you. Please refer to your specific plan benefits to find out exactly what your OTC benefit amount is.  You need to be aware that the quarterly over the counter benefit not transferable and cannot be used once a given quarter has ended.  This means if you do not use your benefit for each quarter you simply lose it.

In fact, when you chose to use your over the counter (OTC) benefit you must do so in one single order.  This means you should plan what you will need by looking through the United Health Care OTC catalog before the end of each quarter and order everything you think you will need at once.  United Health Care will only allow you to place 1 order per quarter.

If you would like to view a copy of the United Health Care OTC Catalog, CLICK HERE FOR THE 2019 OTC for HMO MEDICARE ADVANTAGE PLANS 1 2 & 3.

If you are a member of a DSNP plan, click here for 2019 DSNP member OTC Catalog.

You may order only items listed in the catalog for your OTC benefit.

The name of the company that handles the OTC orders is Firstline Medical.  There are 2 ways to order.  Either you can order by mail or you can order online.  If you would like to order by mail you need to contact FirstLine Medical at 1-877-795-4521. You can call them from 7a.m. until 7 p.m. Monday -Friday and 7 a.m. until 4 p.m. Saturday (Central time). You will need to have your UHC card available before you call.

If you would like to place an order on line you can go to www.OTC-Essentials.com.

1. Click on REGISTER to create your account (you only need to register one time).
2. Login to check your balance, view product images and descriptions. Place your order.
3. Track your order status or manage your account information.

Please use these helpful tips to register on the website:
1.  Have your health plan member ID card available.
2.  When you enter your member ID, only enter the numbers that are before the dash.
3.  Your Username is from 6 to 25 characters long.
4.  Your Password is from  8  to 25 characters long and will need to have at least one number, one capital letter and one lower case letter.  The password is case sensitive.

Additionally, if you need help finding the right Medicare plan or have questions on your current health care plan.  Please contact us at 203-796-5403. Our agents will be happy to make sure you have the coverage you need at the best price for your budget.

Are you looking to quote or compare Medicare plans?  CLICK HERE 

Medicare Travel Benefits

This post will give you some information about Medicare Travel Benefits.   You should understand what medical coverage you have while you are away from home.  In most cases, Medicare does not cover either health care services or supplies when you travel outside of the United States.   Some exceptions to this rule are listed below.

Combining a HealthShare and MEC Plan

Combining a HealthShare and MEC Plan provides coverage for health expenses at a reasonable cost.   You will see below how the components of the plans and strategy work together.  (Available in all 50 states!)

Example:  The monthly premium for a 58 year old female is $290 for a MEC plan.  The plan covers all preventative services, has co-pays for doctors visits and urgent care as well as ER with no deductible.  She can cover the major medical services with an Altrua Health Share plan for $100 per month.  However, this plan has a $7,500 cost share.   After you have paid the $7,500, you will be covered in full up to $150,000 for the year.  This policy has a $1,000,000 lifetime max!

MEC Copay plan  

MEC enrollment portal CLICK FOR ENROLLMENT SITE

The MEC copay plan provides the following coverage:  They do not check health for pre-existing conditions

• ACA mandated preventative services are covered in full
• $25 copay for primary doctor visits
• $35 copay for specialist doctor visits (5 visits per person per year)
• $50 for urgent care (limited to 3 visits per person per year)
• $250 emergency room visit (limited to 1 visit per person per year)
• Rx-Generic discount program
• Network is First Health

Monthly premium for Minimum Essential Coverage Plans:

• Age 18-44 = $170 month, age 44-59 = $190 month, age 60+ = $205 month
• Spouse = $150,                   Spouse = $160                     Spouse $180
• Children $105

Healthshare for catastrophic coverage  CLICK HERE FOR THE ALTRUA HEALTHSHARE ENROLLMENT SITE

You can use The Healthshare plan to cover yourself against major medical services such as hospitalization, outpatient surgeries or any other major medical expense (subject to pre-existing conditions clause)

• Member pays the first 7,500 of costs and then is covered at 100% up to $150,000 per year for medical services
• Life time max is $1,000,000
• Network is PHCS Multiplan

Monthly cost for Healthshare plan:

• $100 per month regardless of age
• $50 per month for every additional dependent

If you Combine the two plans, they will provide an alternative to traditional healthcare at a price people might just be able to afford.  Call our office at 203-796-5403 to inquire.