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Pacificare
Pacificare Health Systems, Inc., based in Cypress, California, is among the nation’s largest health insurance carriers. It was founded in 1978, and is today a United Healthcare company. Nationwide in scope, the majority of Pacificare members reside in Arizona, California, Colorado, Nevada, Oklahoma, Oregon, Texas, and Washington. Plans and benefits will vary from state to state.
Pacificare's Signature series encompasses a range of plans and benefits that will meet any budget for employer-based groups and for individuals and families. The portfolio includes the standards (PPO, POS, HMO). In addition, an Indemnity plan allows non-referred doctor and specialist visits while Self-Directed Health Plans are allowance-based with few restrictions. The Freedom plan is the most flexible with unlimited access to health providers through a Self-Directed Account (SDA). Individuals aged 65-plus can take advantage of Secure Horizons Senior Solutions. Medicare supplemental policies are available in the core eight states and Guam.
Specialty services include paid dental, vision, and prescription programs, plus life insurance and behavioral health management. Prescription Solutions, which is wholly owned by Pacificare, is available at three pricing levels that offer no annual deductible, but with varying generic and brand name drug availability. The personal assistant network offers free consultation and referrals to medical plus lifestyle resources such as legal and financial advisers and community-based groups.
HealthCredits is Pacificare's leading tool for wellness management. The interactive on-line program is available to group participants who collect credits in the VirtualHealthClub. It has been established based on the latest technology and resources from some of the country's finest practitioners. The customizable approach calculates nutrition and exercise requirements combined with personal lifestyle recommendations (with the consent of an individual's local physician). The credits are received through participation in such Pacificare-endorsed programs as Heart Disease and Heart Health management and Diabetes and Asthma informational training, as well as for purchasing prescriptions through the Mail Order Pharmacy.