I have Unicare 2000 for both my (2) kids and wife. I bought it directly as I am not employed at this time and not sure if I will go back, hence my review of this site.
The monthly costs are not low but they are manageable.
I have a high deductible which came into play recently when my daughter fell and broke her wrist. I was getting bills from the ER, the XRAY diagnostic firm and
then the Orthopedist who spent 10 minutes with my daughter and charged us like we were there a week
In any case, while I had to pay a sizable bill (in total) it was not as high as was billed to me because Unicare would not permit it. In other words, you only pay what they consider appropriate. For example, if the Ortho billed me $2500 and Unicare said the procedure should only cost 1800, then you only are required to pay $1800.
Lastly, if your end up paying $2000 in total bills, you might think that your dedcutible has been met for the year BUT not all of what is paid for goes towards
the deductible. For example, some expenses or portions they don't cover, so you end up having to pay for it with no benefit toward your deductible.
Bottom line is that Unicare was OK to work with and I had used them under a previous employer under a better plan without concern or any problems. Now that I am buying it myself, I am far more sensitive to cost and return. They are a big outfit and accepted in many places but they are big for a reason. Like any HMO or PPO, they dictate what they will pay to the doctors and hospitals and on the other hand, you'll find they don't cover all that you wouild like but the main thing is that you (I) am trying to avoid the catastrophic situation.
Hope this helps.