UnitedHealthcare medical insurance is available throughout the United States and offers plenty of member resources.
UnitedHealthcare offers Medicare, Medigap, Medicaid, and plans compatible with Health Savings Accounts (HSAs), Flexible Spending Accounts (FSAs), and Health Reimbursement Accounts (HRAs). UnitedHealthcare also offers excellent member resources.
Before purchasing a health insurance plan, it's important to know if UnitedHealthcare is good insurance. While different UnitedHealthcare plans have different premium rates and cost-sharing rules for medical expenses, customer reviews offer great insight into the quality of the insurance coverage and customer service.
Overall, UnitedHealthcare is a well-known health insurance carrier and worth considering.
UnitedHealthcare insurance company is a health insurance provider that is owned and operated by its parent company, UnitedHealth Group. This company was founded in 1977 and, with almost four decades of experience, offers a really wide variety of health insurance plans.
UnitedHealthcare ranks in the top ten health insurance companies. This high ranking shows that UnitedHealthcare is a reliable health insurer. While it could have a higher star rating, it's star rating is average for the industry.
Customer Review: Kimberly from Hurlock, Maryland
"United Health Care is definitely my choice for health care. All bills are quickly and competently dealt with. In addition, when I have called for more information or to check the status of a medical provider, United Health Care has always had excellent customer service. The representatives are intelligent, extremely polite and very anxious to help. Their attitudes are very positive and cheerful. They are one of the best companies in any area that I have ever had the pleasure to turn to."
UnitedHealthcare has received many postive reviews on BestCompany.com. These reviewers mention satisfaction with the claims process, provider network, and coverage.
UnitedHealthcare has more specified insurance policies as well, including short-term health insurance and supplemental hospital and doctor insurance plans. These options have different specifications regarding out-of-pocket costs (coinsurance or copayment), deductibles, network coverage, and prior authorization requirements.
Common network structures are Health Maintenance Organization (HMO) and Preferred Provider Organization (PPO). An HMO plan only offers coverage for care from in-network doctors. A PPO plan offers coverage in- and out-of-network coverage, which gives you more flexibility when choosing a doctor.
You'll want to consider all of these plan features and costs in addition to the monthly premium when choosing a plan.
UnitedHealthcare also offers Medicare and Medicaid plans for consumers seeking Medicare or Medicaid services. It also participates in the Children's Health Insurance Program (CHIP). UnitedHealthcare's Medicare plans include Advantage plans and prescription drug plans. Individuals seeking a Medicare supplement plan (Medigap) can also find one from UnitedHealthcare.
Original Medicare is not available through any private insurer because it is managed by the government. A Medicare Advantage plan covers the same medical services that Original Medicare does. Most Advantage plans also include qualifying prescription drug coverage, which means you don't need to buy additional coverage.
Plan offerings vary by state. Specific information regarding available plans, premiums, deductibles, and out-of-pocket expenses can be found on the UnitedHealthcare's Medicare site.
Some of the plans at UnitedHealthcare are open-access, and others are in-network only plans. In-network only plans cover patient care received from professionals UnitedHealthcare has contracted with. If your preferred provider is out-of-network, you'll pay the full cost yourself.
When considering a health plan it's important to look at the covered services, premium rates, and out-of-pocket expenses to make sure that you find an insurance policy that meets your needs.
Because the cost of a health plan varies based on several factors, including the number of people insured and the kind of policy chosen, those interested in a UnitedHealthcare health policy should research plans on its website to understand more about how much you'll pay for medical services with different plans.
Common health insurance plan network structures include Health Maintenance Organization (HMO) and Preferred Provider Organization (PPO). HMO plans only offer coverage for care received by network providers. PPO plans offer more flexibility because they offer coverage for out-of-network care. Often, in-network service has lower out-of-pocket costs than out-of-network service. You can get the most value out of your health plan by visiting in-network doctors. This will help keep your medical bills lower.
The dental and vision coverage at UnitedHealthcare is also good. The company has websites dedicated to both dental and vision insurance. For dental coverage, there are employer-sponsored plans, individual, and family plans.
These are great resources for individuals buying insurance and employers seeking to offer good health benefits to employees.
As far as individual and family plans work, preventative care is generally covered fully without a deductible or waiting period. The cost-sharing for other kinds of dental work varies by plan. Dental benefits differ for every state, but even if the dentist you want to see is out of UnitedHealthcare's network, it has some plan options for you still.
Vision insurance typically includes 100 percent coverage for an eye exam, glasses, and frames, including an option to add a scratch-resistant surface to your lenses. Other benefits depend on the individual plan.
In addition, UnitedHealthcare offers Consumer-Directed Health Plans (CDHP) options that are compatible with Health Reimbursement Accounts (HRA), Health Savings Accounts (HSA), Flexible Spending Accounts (FSA).
In addition to health care insurance, UnitedHealthcare offers disability, critical illness, accident, and life insurance.
UnitedHealthcare offers short-term health insurance to people under age 65. These plans are great if you need temporary health coverage. They offer low premiums and primarily cover preventive care and emergency services. They also cover care related to any new illness that you develop while the plan is in effect. Most of UnitedHealthcare's short-term plans also cover prescriptions.
Keep in mind, however, that these plans do not cover pre-existing conditions.
Most healthcare insurance carriers offer their policyholders member resources. United Healthcare's member resources are not in short supply. When you enroll in a UnitedHealthcare plan, you sign up for a personal account in the online portal, myUnitedHealthcare.com. Through it, you have access to any of the following:
These tools and resources help you understand and budget money for out-of-pocket expenses (copay and coinsurance).
Even before becoming a member, customers can tour this portal and get a free quote on a health plan. There are helpful tools like a FAQs section, a list of healthcare terms to become more informed about the industry, and even a section for healthcare current news.
Members also benefit from other plan features, including virtual visits, or online meetings with a physician, and a 24/7 nurse hotline. These tools make it convenient to get non-emergency care and medical advice. UnitedHealthcare also offers additional support programs for health and well-being.
Source4Women is a program devoted to women's health. Rally is another health-promoting program offered. Through it, you can take a survey that will reveal your health age in relation to your actual age. From there, participants set health goals, called Missions, and have the chance to network with others trying to improve their health. You can earn rewards for healthy activities you participate in as well.
UnitedHealthcare has made a lot of unique efforts to encourage its customers to get healthy, stay healthy, and become more educated about health. These initiatives include the employer-sponsored BabyBlocks program and the Longevity Network.
The BabyBlocks program is another feature for women's health and is designed for pregnant and expecting mothers to help them get the prenatal care they need.
The Longevity Network, which UnitedHealthcare established with the AARP, helps aging customers to stay their healthiest.
Other tools that make UnitedHealthcare unique are myEasyBook, which gives members 24/7 access online to set up a doctor's appointment.
UnitedHealthcare offers a tool to help customers find a primary care physician or specialist, but it also helps customers find dentists, mental health professionals, and hospitals as well.
The mobile app provided by UnitedHealthcare is pretty unique too. Some companies have an app that just helps you locate a doctor; others provide an app that is simply a mobile view of your online account.
UnitedHealthcare's Health4Me app does these things and more. With it, you can check a claim status, speak with a nurse at any time, order a prescription refill, email your ID card, check your health records, and even save favorite medical contacts for easy access later on.
What's more, UnitedHealthcare has provided a tool called the myHealthcare Cost Estimator, which lets you see how much a medical procedure would cost with your benefits before you actually commit to having it done.
If you want to lose weight, stop smoking, get nutrition advice, or learn how to manage stress, to name just a few, UnitedHealthcare has options to save on those services as well.
Taking advantage of these additional features will help you get more out of your plan.
UnitedHealthcare is a subsidiary of UnitedHealth Group (UHG), which has decades of experience. Backed by this insurance company, UnitedHealthcare puts an emphasis on technology and innovation. It strongly encourages both individual and societal health.
For five years in a row, Fortune named UHG one of the World's Most Admired Companies in the insurance industry. In addition, the company won a Stevie Award in 2015 for its customer service model, called Advocate4Me. All of these facts about the company add to their overall positive customer culture.
UnitedHealthcare is dedicated to helping people. To contact UnitedHealthcare, people can use phone numbers and a tool to provide feedback to the company online.
UnitedHealthcare further demonstrates its dedication to helping its members live healthier lives and have better health outcomes with its Health4Me app. The Health4Me app contributes a lot to customer service as well.
Through its 24/7 nurse hotline, its tool to refill a prescription, and its capabilities to estimate costs and check medical records, UnitedHealthcare has removed many hassles associated with health insurance logistics. The app even allows members to let customer service know they want to be contacted-making it possible to avoid being put on hold on a phone call to customer service.
Unfortunately, UnitedHealthcare has a substantial number of negative reviews. Having negative reivews is common for the industry. Reviewers who left poor ratings mentioned difficulty with communication, coverage, and claims denials.
As you read negative reviews, pay attention to where reviewers are from. Consider your situation and medical needs with what reviewers share about theirs.
If you're in a similar situation or in the same area, you may want to weigh concerns more as you make a decision. Even if you are in the same area, remember that UnitedHealthcare may offer multiple plans in your area, so you may still be able to find one that meets your needs.
The website is extremely detailed and informative, which is a good thing in most respects. But in some ways, it's hard to navigate.
For example, you won't find all information about vision insurance in one place; there's a website devoted to UHC vision insurance, as well as a handful of other web pages that discuss different options for vision plans. It can be frustrating to have to search in different locations for just one topic.
One potential disadvantage here is that some health plans and their benefits are state-specific. UnitedHealthcare's website filters its offerings by state. It's easy to see what's available in your state when you look at health insurance options online.
You should make sure that you understand the fee schedule (premiums, copays, and coinsurance), out-of-pocket limit, how the plan covers pre-existing conditions, and prior authorization requirements that are part of your plan.
Call our recommended rep over at UnitedHealthcare below.
The insurance is affordable and the deductible is low, but they iften slow pay the doctors. They also change my prescriptions that my doctor gives out because apparently they know better. Also forced to use cvs pharmacy to get 90 day supply because they have a "deal" with them. Reeks of collusion
I like the coverage but I pay way too much for it. the prices keep going up and up. I have this through my job. It does offer things like free gym and ways to earn "dollars" and other free services and discounts but still. the price is just ..a lot.. Not as bad as other companies but still. I shouldn't have to pay so much out of pocket when using their services for dental and health care. Maybe they should try bundling their insurance since some people have more than one of their services.
The absolute worst! Senior management at this company must all be morons to allow this idiotic business practices. The customer service is like amateur hour with nothing but mentally challenged people. Even the simplest of business things are practically impossible. Senior people here sure don;t deserve their pay!!
We have had United healthcare for a previous employer. Although we understand that it is the employer the pics the benefits and not the insurance company, it seems like the insurance company always wanted to argue if they thought a procedure was necessary etc.
A great healthcare and very reasonable price for everything I love this company. Would recommend
UnitedHealthcare offers comprehensive plans and many providers that are In Network. We were covered during a pregnancy, and were pleased with the coverage.
I have been a client of United Healthcare for about (5) years now. Their app is extremely easy to use - as well as having a multitude of healthcare providers to choose from. However, I am not thrilled with the fact that they are dropping many healthcare providers because UH is refusing to negotiate their rates. I am in danger of losing not only my primary caregiver, but also my gynecologist, because of their refusal to compensate their providers fairly. Come on UH. If you drop my providers, I will be dropping you also.
They have incentives to be healthy. They have been pretty seamless to use the insurance.
I like United Health Care because it fits us better than any other health insurance. They are cheaper than the other health insurance but that doesn't mean they are bad. They have actually been very good to my family. The rates for prescription and health insurance is better than what I was paying for with other companies. They have co-pays that are very compatible to other companies.
Brenda K Thompson
I love my benefits from United healthcare I also get medical supplies at no cost
Ong what is this in network but not tier 1. The difference is paying an office visit copay or having your entire visit go to your deductible and you unexpectedly get a bill from your provider. Only uhc understands this stuff and doctors think they're sitting pretty until you inform them that they are not. My pcp comes up at the top of the in network provider list whether I filter for tier 1 doctor or not, but she is not tuer 1. Ironically the only one in her practice who is not, but the most highly rated on their site. I'm appealing the claim. Even the insurance department and credentialing staff had no clue what I was talking about and they were just as surprised as I. Check your provider carefully, as for me I want to go #back2bcbs!
UHC gives prompt friendly service,would recommendto anyone, happy with my benefit
Good care if you could find a doctor that was on the list to go to.. sometimes they denied charge which I thought were covered. Some of their reasoning didn’t make sense to me. They would wear you down until you just ended up paying the bill to get it to stop.
Insurance coverage was good and they paid the claims quickly when submitted. I never had any issues with them.
We have been with UHC for 4 years with our company and I have been extremely impressed with their service and handling of claims. Customer service and sales are very efficient and easy to work with.
United Healthcare paid my claims in a timely manner and were contracted with my doctors and hospitals.
My family has had UnitedHealthcare for years. They have been easy to work with for the most part.
I have had this health insurance for the past 4 years. They offer good rates on healthcare and prescription drugs .
They paid our claims in a timely manner. There isn't anything I dislike. They sent me helpful catalogs and products quickly.
I have them now and am very pleased with them. They seem very concerned with me generally.
I liked united healthcare in Utah because it seems like INtermountain Healthcare accepted them and Mountain star accepts them
We've used United for years and they've always done a good job with our insurance needs! My daughter's Pediatrician had a hard time finding our coverage and the customer service team jumped on the phone with them immediately and got me all taken care of. I definitely appreciate the personal touch they give!
We've had UnitedHealthcare insurance for a long time now and have been really happy with the coverage and customer service. We unfortunately had a terrible experience with a hospital and the customer service rep was so patient and helpful with working to get things figured out.
We've been pleased with the service that UHC provides. We use the HDP which works fine. All of our claims are processed quickly, and the app is intuitive. User friendly, and even allows me to sync my HSA account to it. I can also use my app to see and present my insurance card.
Complete care, lots of extra services to keep you active, safe and well
United Healthcare has been my health insurance provider for going on 10 years now and they always pay claims I’m a timely manner and I have yet to have them deny a needed service or medication .
It has been welcomed and accepted for the services I have attempted to contract.
They have been very supportive, understanding, and back me up with the finest, most timely services and information.
They gave us a orice for the policy then raised the price to 4 times the quote.
It is committed to wellness care with frequent articles on health self care and a biannual home visit with an NP, PA or MD to do a thorough health evaluation and make recommendations for habit improvements.
Excellent coverage for drugs, doctor visits, test, eye exams. Always keeping me updated on policies, etc.
I have had this company for several years now and I am quite happy with it.
Good Supplemental coverage thru AARP over Medicare
Gladys L Weaver
When I've had surgery, they paid almost everything, from the hospital bill to the doctor. I was very pleased.
They are always helpful. Their service is great, I just wish they would pay for glasses.
mary h ingram
Very good communication and helpful associates to answer all questions or concerns that I might have
I was in the hospital more than I was home last year. United provided help for me so I could finally return home. They followed up with someone calling to check on me weekly for six months. The one thing I have no use for are the Hospitalists. I find them uninformed, sometimes rude, and often times try to appear more informed then my doctor or me. And they bill Medicare/United Big bucks for nothing.
This company is efficient and timely with regard to processing of all claims.
Well accepted throughout the doctors and hospitals I happened to use and had no issue with them.
We have UHC for only Rx coverage, but are very happy with the service and the cost sharing process. As prescription costs can be high, UHC is worth the premium we pay.
I have UnitedHealthcare and love the service that I have been given. The coverage and the ability to go the physician of my choice.
Excellent coverage and service; no problems!
Over rated. Very selective on what they pay.
Good Insurance all in all, takes care of what needs to be done
Health services are great, very good explanation statements, and know they are there for you.
I like that I have a case manage from the insurance for my son with an ASD. I am annoyed that they dropped their contracts with all the local outpatient OTs, PTs and SLPs. The increased travel is very hard. Also it takes a while for my son to cooperate with the therapist so by having to switch we lost several sessions worth of value.
I've had UHC in the past and it was only OK. But now as a 67 yr old senior, my plan seems to be perfect. My prescriptions are often free, my copays are down to $25 and the services seems to be great. Very pleased.
United Healthcare is the insurance I had, when I worked for First Credit Corporation in Boulder, CO. It was the only choice offered by the company; or I would not have bought it. My doctor put me on some medication and told me to have my blood tested every so often; because I was on that particular medication. United Healthcare refused to pay for the blood test; and I was billed over $2,000.00 (and had to pay it eventually). United Healthcare also gives money to organizations that go against my religious beliefs and moral values, such as Planned Parenthood. Not only is United Healthcare terrible insurance, it shows support for organizations that lack morals.
They did not have great online feature. It was difficult to determine drug cost or see my HSA balance.
United Healthcare offers a variety of medical professionals to choose from. I do not like how little they pay on claims...