Premium Payments for Individual and Family Plans

Unity offers a variety of ways to pay your premium invoice. Choose the one that works best for you. 

 

Simplify Your Life with Online Billing


Unity offers several ways to simplify your premium payments. You can now pay online –


If you are receiving your invoices by mail, you can get them by email or pay online. Simply login to MyChart and –

  • change your Premium Billing Preference to “Email”  
  • and / or select “Pay Bill” to pay with a bank transfer (EFT) or set up automatic payments (ACH)

If you don’t have a Unity MyChart account, sign up for MyChart today! (For your security, you need a MyChart account for online billing.)


Save a tree and simplify your life with online or email payments!

Important facts to know about paying your Premium Invoice

Pay BEFORE the due date

  • Payments take at least one business day to process
  • We will send you a late payment notice if your payment is not received by the due date
    • If you don’t want to get these reminders, pay your Premium Invoice before it is due

Grace Periods

  • Grace periods vary – either 10 or 90 days, depending on your policy
  • If you don’t pay all outstanding balances within your grace period, your policy will be terminated
  • Payments take one business day to process. Pay two business days before the end of your grace period if you want to keep your health insurance


Frequently Asked Questions

 

Registration

How do I register to pay with online billing?

To pay from your bank account (EFT), you need to login to MyChart. The first screen you will see is your “Dashboard”. Scroll down until you see “Unity Premium Invoices,” then select the “Pay Bill” link. From the Pay Bill page, you can add automatic payments or choose to pay one premium at a time.

If you don’t have a Unity MyChart account, sign up for MyChart today!

How do I sign up for email billing?

To sign up for email billing, simply login to MyChart and change your Premium Billing Preference to “Email.” If you don’t have a Unity MyChart account, sign up for MyChart today!

 

Payments

How do I pay my bill by email?

Each month, you will receive a secure invoice at the email address you’ve provided to Unity. Open the attachment to view your invoice and pay through the PDF.

The payment feature is on the first page of the PDF and the invoice details are found on the following pages. To pay through the Premium Invoice PDF, follow these steps –

  1. On the first page of the Premium Invoice PDF, enter your bank account details (the Bank Routing Number and the Bank Account Number)
  2. Select the type of bank account you’re using (usually checking or savings) 
  3. Chose either “Pay Current Invoice Statement Balance Today” or “Pay Different Amount on the Date Provided Below” and fill out the amount and date you’d like to pay. You can select the date you want the payment to be made, up to 30 days past the first of the month
  4. Select the “PAY NOW” button to pay
  5. Select “Allow” when the security pop-up appears
  6. You will see a page confirming your payment
How do I sign up for email billing?

To sign up for email billing, simply login to MyChart and change your Premium Billing Preference to “Email.” If you don’t have a Unity MyChart account, sign up for MyChart today!

Can I use Bill Pay from my own bank account to pay my Premium Invoice?

Yes. Make sure that you have the bank mail your check seven to 10 days before the premium invoice due date. Banks actually print and mail the check. That means it can be delayed by holidays, mail issues and so on.

Can I pay my Premium Invoices in advance?

Yes, you may pay your premium in advance; however, we only bill monthly. When you get your next invoice you may pay as many months as you wish. We will send you a monthly invoice showing a credit or amount due after the credit is used.

When will my payment be reflected?

Generally, EFT payments are reflected in your MyChart account on your next invoice. Keep in mind that if you pay close to the “Date Due” deadline, you may receive another invoice for the payment you recently made.

I paid my premium, but I still got a notice that I need to pay.

In accordance with Federal Regulations, Unity must notify members 10 or 90 days (depending on your policy) in advance of possible coverage termination due to non-payment. Due to this timeframe, if you choose to pay your premium on the first of each month you may receive this notice from Unity even when your payment is received on time. To avoid receiving this notice each month, please make your payment to 5 days prior to your due date.

How do I cancel automatic payments?

You will need to return to the Payment Portal within MyChart. Just login to MyChart and select “Pay Bill” under Premium Invoices. This will take you to the Payment Portal, which allows you to change your automatic payment settings.

Two automatic Unity Premium payments are being deducted from my account. How do I stop this?

Unity monitors automatic payment signups to prevent duplication. However, if this does happen, check to see if you have automatic payments set up outside of the Unity Payment Portal. If this is happening, contact Unity Customer Service at 800.362.3310.

Does every payment I’ve made appear in the “Payment History” page in the online payment portal?

This page will only show payments that have been processed through the portal. If you are wondering if Unity has received your Premium Invoice payment, call us at 800.362.3310.

I get an error stating “Invalid Billing Account” when I try to pay through my email invoice. What should I do?
  1. Save the Premium invoice to your desktop prior to tying to make a payment
  2. Check to see if you have Adobe Reader Version 7 or above. If not, you will have to download it here
  3. Check to make sure you are connected to the internet

If none of these things fix the problem, call Unity Customer Service at 800.362.3310.

 

Missing Payments

I can’t pay my Premium Invoice on time. How long do I have before my insurance policy is cancelled?

The amount of time you have to pay your Premium Invoice depends on whether you get subsidies or not.

  • If the government helps you pay your premium – If you are getting advanced premium tax credits (APTC), by law, you have 90 days to bring your payments up to date. This is called a “grace period”. If you don’t pay any premiums at all after you enroll in the plan, your policy will be cancelled. If you enrolled and paid one premium, you have 90 days to pay all premiums owed. If not, your policy will be terminated. Unity will pay claims during the first 30 days of the 90-day grace period. After that, Unity will not pay claims, and you are responsible for those costs unless you catch up on your premium payments by the end of the grace period. If you terminate your policy after one month, or if your coverage is terminated due to failure to pay within the 90-day grace period, you are still responsible for paying the first month’s Premium Invoice.  
  • You don’t get help paying your premium – You have 10 days to pay your Premium Invoice after the due date. Otherwise, Unity will not pay claims and your policy will be terminated.

NOTE: It is very important to pay your premium before it is due. Payments take at least one business day to process.

In all cases, if your policy has been terminated for non-payment, it cannot be re-opened. You will need to buy a new policy during open enrollment or during a Special Enrollment Period. Medicare Select members who have their policy cancelled due to non-payment may not be able to buy another Medicare Select policy in the future from any insurance company.