Sound Health Insurance

Sound Health Insurance

What's up with Sound?

You're a smart one--you've probably figured out that Sound is health insurance coverage created especially for the young and healthy likes of you. "Why would someone so young and healthy need health insurance?" you may ask. Same reason everyone does. No one likes to think about it, but let's face it, something might happen to you. And of course, making sure all the good stuff you've got stays that way is just a smart thing to do.

What's our rep?

Even though the particular kind of coverage they're offering is new, Sound is backed by the UniCare Life & Health Insurance Company. UniCare is a WellPoint company. WellPoint Inc. is the largest health benefits company in the nation and their mission is to improve the health of the people they serve

Competing Carriers

Plans

Sound offers 3 basics plans: the Gravity Bender, the Curb Jumper, and The Cruiser. Each plan provides the same coverage; the only differences between the plans are what you pay per month and the amount of the deductible.

Under each plan you will receive immediate coverage (no deductible) for the benefits you’re most likely to use. Office visits are $40 per visit, unlimited visits. All services covered in the Emergency Room are a $150 copay, with the deductible waived. For generic prescription drugs, you pay $10 for a 30-day supply from retail pharmacy or $20 for up to 60-day supply through mail order.

For other services, you just pay your deductible and Sound will pay the rest. These services include: X-rays, blood tests, anesthesia, overnight hospital stay charges, and hospital charges not overnight, such as fracture repairs or shoulder or knee arthroscopies.

Finally, Sound will even cover your teeth and eyes. You pay $0 for cleanings, exams, and X-rays. After you pay your $25 deductible, you’ll only pay 20% for minor restorative procedures like fillings. Sound will pay up to $500/year for your dental benefits. As for eyes, Sound pays $50 toward a routine eye exam, eyeglasses, or contact lenses and you pay the rest

Gravity Bender (5000)

Deductible: You pay $5,000 per year before we start paying for services (such as hospitalization)

Premium: Most people ages 19-29 will pay $67-$81 per month

Curb Jumper (3000)

Deductible: You pay $3,000 per year before we start paying for services (such as hospitalization)

Premium: Most people ages 19-29 will pay $74-$94 per month

The Cruiser (1500)

Deductible: You pay $1,500 per year before we start paying for services (such as hospitalization)

Premium: Most people ages 19-29 will pay $99-$121 per month