error This company may not service all states.

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.

View UnitedHealthcare Reviews

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.

The Good

  • Customer Ratings
  • Coverage Options
  • Short Term Health Plans
  • Member Resources
  • Unique Features
  • Customer Service

Customer Ratings

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.

Review Icon

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."

Coverage Options

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.

Short Term Health Plans

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. 

Member Resources

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:

  • Downloadable forms
  • Tools to help you locate a network provider (primary care doctor, mental health professional, dentist, etc.)
  • ID card resources
  • Claims management (for filing a claim and checking its status)
  • A list of the prescriptions you take
  • An explanation of the benefits of your health plan
  • A tool to estimate the costs of various types of medical care with your insurance plan before you receive treatment

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 unique tools, 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.

Unique Features

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.

Customer Service

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.

Get Quote

The Bad

  • Complex Website
  • State-Specific Health Plans

Complex Website

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.

State-Specific Health Plans

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.

The Bottom Line

Choosing a good health insurer and finding a good insurance policy will help keep your medical expenses affordable. UnitedHealthcare is easily one of the recommended insurance companies to get health insurance from. UnitedHealthcare has lots of plans to choose from, which makes it easy to find affordable medical coverage. UnitedHealthcare offers health plans across the United States. Moving to a new state may require enrolling in a new health plan to ensure that the benefits apply.

UnitedHealthcare takes especially good care of its members, providing lots of resources. These include logistical forms, health education, discounts on health products, and several ways to contact a health professional for individual assistance.

The pros outweigh the cons with this health insurance company. Plus, UnitedHealthcare highly values quality and tries to bring convenience and ease to health insurance. We recommend working with UnitedHealthcare.

We'll Introduce You!

Call our recommended rep over at UnitedHealthcare below.

1-(888) 654-5058

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User Reviews

Star Rating

3.1
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318 Reviews

Review Breakdown

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Yvette

August 5th, 2020 Birmingham, AL DETAILS arrow_drop_down
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I have UnitedHealthcare and love the service that I have been given. The coverage and the ability to go the physician of my choice.

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Steve Dilbeck

July 29th, 2020 DETAILS arrow_drop_down
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Over rated. Very selective on what they pay.

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Mark Anderson

July 29th, 2020 DETAILS arrow_drop_down
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Good Insurance all in all, takes care of what needs to be done

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Daniel Cogan

July 29th, 2020 DETAILS arrow_drop_down
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Excellent coverage and service; no problems!

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Ladyjojo

July 29th, 2020 DETAILS arrow_drop_down
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Health services are great, very good explanation statements, and know they are there for you.

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NG

July 29th, 2020 ,

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.

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John Mueller

July 29th, 2020 Phoenix, AZ DETAILS arrow_drop_down
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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.

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Julia

July 23rd, 2020 Clifton, NJ DETAILS arrow_drop_down
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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.

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Seyan Lucero

July 23rd, 2020 Denver, CO

They did not have great online feature. It was difficult to determine drug cost or see my HSA balance.

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AlieshaDenise LW

July 23rd, 2020 Atlanta, GA

United Healthcare offers a variety of medical professionals to choose from. I do not like how little they pay on claims...

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Kathleen Acquistapace

July 21st, 2020 DETAILS arrow_drop_down
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I like the fact I can choose any provider

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Dorothy

July 20th, 2020 Omaha, NE DETAILS arrow_drop_down
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I have been a UnitedHealthcare customer for 2 years and highly recommend this reputable company. I was enrolled in their student health insurance plan and the plan's details were easy to understand, the plan was accepted at all of my providers, and customer service was always helpful!

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Dali

July 18th, 2020 Dallas, TX DETAILS arrow_drop_down
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I was with UH a long time ago, and I never had any trouble finding providers that would take it. I was paying out of pocket for my own insurance, but also worked for companies that chose to use UH for their group plans. It’s a solid company.

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Coach Carnes

July 16th, 2020 San Diego, CA DETAILS arrow_drop_down
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I have had no problems with UnitedHealthcare. They really make it easy to get medical help.

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RiveO

July 15th, 2020 Jacksonville, FL

I have UHC through my employer and I have been satisfied with their handling of my claims. I am CKD patient and they have taken care of me.

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Anon

July 14th, 2020 La Center, WA DETAILS arrow_drop_down
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Denied coverage for residential mental health / substance use disorder in an in network facility. The professionals at the facility were recommending 6 weeks of treatment (the original intent was 4 week). Retroactively United Behavioral Health denied coverage after only 12 days. We were not notified of this denial until several days after the 12 days.

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Danielle A. Bass

July 8th, 2020 Rio Rancho, NM DETAILS arrow_drop_down
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It was awful at the time I took out my policy I was 60 years old the agent sold me a supplemental policy little did I know the policy is designed for a person age 65 and up. I also bought a vision and dental policy with the agent. I was under the assumption that it was a major medical policy the agent knowingly sold me the wrong policy. I would never recommend to anyone who needs health insurance. Danielle Bass

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Brenda McDermott

June 19th, 2020 Las Vegas, NV DETAILS arrow_drop_down
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If your sick & have ongoing issues this ins is going to cost u big time. No co pays are great at the office but wait til u need a test! The co-pays are outrageous! This yr alone I've paid almost $500. 00 in test co-pays. I'm disabled on a fixed income & can't afford to eat with these prices. Looking around for next year. Someone has amazing at the bottom here. I didn't type that! ☹️

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Rachel

June 19th, 2020 Vernal, UT

NO STARS!!! I have had multiple problems with United Healthcare. It's been a joke dealing with prescription, medical procedures and misleading information. The constant misleading information has cause so many delays in medical procedure, prescriptions and fighting for each claim to be covered. There is always some underlining reasoning of why it wasn't covered or when I call to verify it doesn't need a proir authorized in the end it does. United Healthcare claims they are about their customers, I recently for work purposes sat through a meeting of all the good stuff they offer and how they are here for us. This is not true! Each phone call I place I get different information each time. Nothing good to say

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EAS

June 3rd, 2020 Mesa, AZ DETAILS arrow_drop_down
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Horrifically incompetent staff who have no regard for our health at all. My claim was urgent and they refused to escalate the case causing me to reschedule various surgeries - my cancer is getting worse and spreading and they do not care. Worst provider on earth. Stay away - scam.

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Andrew

May 30th, 2020 Dallas, TX

United Healthcare is a joke! They declined my 18 month old disabled child medical help at a pediatric medical daycare because "he's not having active seizures." A "daycare" that he could seriously benefit from to get to where he needs to be. They have all the resources, and equipment that we do not have to help him. They have PT, OT, Speech Therapy, as well as occupational therapy there, but no UHC doesn't care because he's not having active seizures. I can't wait to get him off this insurance, and onto a much better one. It's pretty sad as well that the "daycare" even said they would probably decline him since they're the most strict, and that i should get him onto better insurance anyways as UHC is just bad overall. Stay away from UHC

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Cynthia Williams

May 26th, 2020 DETAILS arrow_drop_down
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They have paid for hospital visits, doctor visits, and dental, and co pays are reasonable and affordable

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Peggy

May 26th, 2020 DETAILS arrow_drop_down
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They are my Health Care provider. If they can’t answer my questions they find the answers and get back to me asap

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Heather Phelps

May 8th, 2020 Murfreesboro, TN DETAILS arrow_drop_down
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Never in my life have I had an insurance company dictate what I need done for my health. My cardiologist needed me to wear a heart monitor for a month United healthcare denied it and only allowed 2 weeks. On top of that my Gynecologist requested a hysterectomy be done they have denied it 3 times. This is Insurance company is playing with people's health.

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Jennifer Abrahamsen

April 28th, 2020 New Hampton, NY DETAILS arrow_drop_down
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A medical provider owed me over $900. The insurance company called them relentlessly until I was reimbursed.

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Kimberly

April 28th, 2020 Hurlock, MD DETAILS arrow_drop_down
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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.

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Steven L Kramer

April 17th, 2020 DETAILS arrow_drop_down
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They were always getting the billing wrong. They would override my doctor's decisions and butting into my business.

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Robert Abricki

April 17th, 2020 DETAILS arrow_drop_down
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nice coverage for dental needed emergency dental work and had it done at a nice price

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David J Williams

April 14th, 2020 Seattle, WA DETAILS arrow_drop_down
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UHC is a company not to trusted! When my wife and I relocated across the country we immediately notified UHC of new address by telephone (which was recorded). Somehow that info was not acknowledged within the company which resulted in policy cancellation. Upon long involved discussions the issue was resolved (because of the recorded phonecall). Documentation apology was received and policy was reinstated. Now I receive a bill that Dec payment was not received from Social Security for $76.00. I forwarded documents from Soc.sec showing 12 payments made in 2019 UHC denies that and so I’m cheated by this huge company. I think they are liars and cheaters and I despise them for it. All began because of their INCOMPETENCE!!!

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Rik

April 13th, 2020 Fremont, CA DETAILS arrow_drop_down
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Just got off the phone with a gentleman named Paul... I have never been treated with more respect or had someone go through the incredible effort that Paul provided me with, thank you for your help and extraordinary kindness...

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Vitpow

April 7th, 2020 Staten Island, NY DETAILS arrow_drop_down
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Worst customer service ever. No one ever returns my calls or letters that I’ve written. Not one claim has been paid since Dec ‘19 when coverage started. Spoke to someone in claims and they were rude and argumentative. Stay away from this company.

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Loretta Boffo

April 6th, 2020 Orlando, FL DETAILS arrow_drop_down
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UHC is one of the biggest thieves in the insurance industry! They may pay on procedures and services but their payment amounts have not been consistent with their coverage rates. IF you have to process reimbursements for costs and services you paid for out of pocket FORGET ABOUT IT! They will NOT act in good faith; they concoct reasons for Denials; they try to get you lost in their procedural requirements; and, they do not even follow their own procedures! They abused disabled patients with emotional torment and financial frustration. Their customer service department is nothing short of a "BS" front line defense. And forget about an appeal or grievance hearing - they provide false testimony; false witnesses; and false test documents! They have ABUSED me for over FOUR YEARS so far, for covered services reimbursements! Call it incompetence or thievery, either way RUN in the opposite direction! Giving UHC one star for overall review rating is more than I would give but it was a minimum requirement to post this warning.

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marcminor

March 25th, 2020 Washington, DC DETAILS arrow_drop_down
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I have had a horrible experience with UHC. I have been going back on forth with them about paying my 2.5 son's medical bill for his ear tubes. They keep on giving me a denial of service. Horrible and difficult people! Avoid them if you can.

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Bee Faith

March 16th, 2020 DETAILS arrow_drop_down
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Prompt shipping of meds, good coverage and friendly service

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Michael Del Vecchio

March 14th, 2020 , DETAILS arrow_drop_down
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If you have a choice find someone else. Have had nothing but problems since being forced to switch. Deny all prescriptions even for more important ones. They just want your money and don't help

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Jo Anne

March 10th, 2020 DETAILS arrow_drop_down
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no problem with any claims. Decent coverage. Would highly recommend

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Beverly

March 10th, 2020 DETAILS arrow_drop_down
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They cover what they insure well and have a good staff at their office to answer questions.

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Thomas

March 10th, 2020 DETAILS arrow_drop_down
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They have not refused to pay any of my claims for the past ten years...

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Jennifer Wilson

March 9th, 2020 Pleasant Grove, UT DETAILS arrow_drop_down
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We have been very happy with our health insurance. We have been well taken care of. Thank goodness we have not had major health issues. We take advantage of regular check ups and immunizations. We have had some visits to the ER.

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Phabie

March 9th, 2020 Tallahassee, FL DETAILS arrow_drop_down
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Allows you to have great access to information regarding your claims via mobile. The mobile app is very useful. Customer service agents are well versed in medical jargon.

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Cynthia Louis

March 7th, 2020 Tallahassee, FL DETAILS arrow_drop_down
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I have the student health insurance and it kinda suck. Its expensive and there's not many great benefits for the price. The only good thing about it is I can easily just go to my school's clinic but not worth the money.

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DeeDee G.

March 7th, 2020 Dallas, TX DETAILS arrow_drop_down
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Very good coverage. Lots of options for medical care. They will work with you to get the care you need.

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Randi Nelson

March 6th, 2020 San José, SJ

Overall I think UnitedHealthcare is a great healthcare insurance company, they just don’t offer good coverage out of the country. Not the best customer service, but they are willing to work with you.

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Lisa S. H.

March 5th, 2020 Phoenix, AZ DETAILS arrow_drop_down
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I had a well woman appointment in November, and in January my husband's company switched providers. So, they didn't pay it. Period. End of discussion. The corporation made a decision, so I was left on the hook for $190. I appealed three times and finally HR Corporate got involved. They still refused. I think it's horrible that a large corporation would be so petty, and refuse to honor the terms of the contract. I'm sad and feel betrayed and incredulous that this is what United chose to do.

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Janie Dennis

March 4th, 2020 Tallahassee, FL DETAILS arrow_drop_down
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I had this health insurance through work and it was great! I have no complaints about it! It was very cheap for us.

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Kimsreview

March 4th, 2020 Atlanta, GA DETAILS arrow_drop_down
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I have had Unitedhealthcare for over 10 years. I am very happy with the plan and the customer service. They don’t deny everything and don’t have too many things that need prior authorization so it is much more about making sure the member gets the healthcare they need.

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MaryAnn Hagblom

February 29th, 2020 Salt Lake City, UT DETAILS arrow_drop_down
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Having IHC. I feel like they have more doctors that except this insurance. I’ve had no problems with them.

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Cheryl

February 26th, 2020 New York, NY DETAILS arrow_drop_down
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Ease at making medical payment, website very helpful in getting health facts

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Syl

February 21st, 2020 North Port, FL DETAILS arrow_drop_down
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United Health Care has very good insurance. I can pick my own doctors and that’s a good thing for me. United Health Care is being more accepted in Hospitals and Urgent care places. I find it easy to get my medications at many pharmacies.

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Jim hill

February 19th, 2020 North Haven, CT DETAILS arrow_drop_down
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Worst healthcare. I have a frozen shoulder and was denied physical therapy after 8 visits. They want me to die from sleep deprivation from the pain. This healthcare is a joke. I pay them 135 dollars a week and rarely go to the doctor. The one time I need help I get denied. Stay clear of this fake healthcare