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Established in 1974, Midwest Security was subsequently acquired
in 2002 by UnitedHealth Group. At present, it is part of a massive
corporation that serves more than 65 million people residing in
the United States. And till today, it has continued to maintain
its local feel in spite of this corporate takeover. Specializing
in providing health care for small and medium-sized employers, Midwest
Security is now a leader in the states of Wisconsin, Michigan, Indiana,
Iowa, Ohio, and Illinois. Committed to social causes, the company
hosts a 5K run on its headquarters in order to raise funds for the
American Cancer Society. It also takes the responsibility of sponsoring
the Boys and Girls Club, as well as Adopt-a-Family for needy families.
Midwest Security’s objective is to ensure that employers and
their employees have access to affordable, top-quality health care.
Careful planning and properly selected objectives have helped Midwest
Security to experience a steady growth, while other insurance companies
have struggled in recent years.
Corporate offices of Midwest Security are located in Onalaska,
Wisconsin. Regional offices are located in Green Bay and Milwaukee,
Wisconsin; Chicago and Rockford, Illinois; Indianapolis, Indiana;
and Detroit, Michigan. The company also has regional directors looking
after its customers in Ohio and Iowa.
Midwest Security, in spite of its not-too-big size, offers a number
of health plans to members spread over the company’s service
area. Its services include Preferred Provider Organizations (PPO),
dental plans, term life insurance, and short-term disability insurance
among others. Let us have a look at some of the plans offered by
Select Coverage 80%/60% Nebraska: It is a PPO Network that covers
members in Nebraska. Under this plan, annual deductibles range from
$250 to $2,500. One gets full coverage after meeting the co-payment
for in-network treatment and office visits, including urgent and
routine care. There is, however, a $500 maximum for routine examinations
such as mammograms. For out-of-network, most of the services are
covered 60 percent after the deductible has been met. Hospital services
are covered 80 percent in network and 60 percent out-of-network
after deductible. Co-payments can amount to anything between $10
and $50 for medication
Select Coverage 2000 90%/70% Iowa/Illinois: This is a PPO plan
for Iowa and NW. Illinois. Under this plan, deductibles vary between
$250 and $5000. For office visits, it covers 90 percent of costs
after the deductible has been met for in-network care. For out-of-network,
the coverage is 70 percent for most services, after the deductible
has been met. Medications are covered, after a co-payment that ranges
from $10 to $50.
Classic One 90%/70%: This is a PPO plan for Wisconsin and Ohio.
Deductibles range from $250 to $5000 under this plan. Office visits
are covered 90 percent after the deductible for in-network care,
and 70 percent after the deductible for out-of-network care. A $50
co-payment for emergency care is charged for in-network, and $75
for out-of-network emergency care. Medications are covered with
a co-payment of $10 to $50 dollars. In the case of drugs with a
generic equivalent, members have to pay the difference in cost between
the generic and brand name, in case they choose a brand name drug.