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.
They are my Health Care provider. If they can’t answer my questions they find the answers and get back to me asap
They have paid for hospital visits, doctor visits, and dental, and co pays are reasonable and affordable
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.
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.
A medical provider owed me over $900. The insurance company called them relentlessly until I was reimbursed.
Steven L Kramer
They were always getting the billing wrong. They would override my doctor's decisions and butting into my business.
nice coverage for dental needed emergency dental work and had it done at a nice price
David J Williams
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!!!
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...
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.
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.
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.
Prompt shipping of meds, good coverage and friendly service
Michael Del Vecchio
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
They have not refused to pay any of my claims for the past ten years...
They cover what they insure well and have a good staff at their office to answer questions.
no problem with any claims. Decent coverage. Would highly recommend
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.
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.
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.
Very good coverage. Lots of options for medical care. They will work with you to get the care you need.
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.
Lisa S. H.
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.
I had this health insurance through work and it was great! I have no complaints about it! It was very cheap for us.
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.
Having IHC. I feel like they have more doctors that except this insurance. I’ve had no problems with them.
Ease at making medical payment, website very helpful in getting health facts
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.
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
I love my insurance, especially with Obama Care. Very affordable for a college student. My primary doctor, specialist, and prescriptions are very inexpensive. I do not need a referral to see a specialist. And almost every doctor that I like/want accept my insurance. The customer service people are also very nice and helpful.
Worked great for our needs. Availability and affordability seemed to change a few times while we were on it and the hospital close to me didn’t take it. The urgent care changed too which was a not helpful for me.
John j Silsby
Despite having a plan that includes dental coverage for routine care, when my dentist repeatedly submitted claims they were rejected---the stated reason usually was that I wasn't a member of UNH. Trying to obtain resolution of this problem proved impossible because of a impenetrable web of bureaucracy. Go elsewhere if you want your claims paid.
UHC states they have GAP exception if there isn't a doctor that specialized in your problem in your area. HUGE LIE!!! I have numerous conditions, booked 800 medical visits in 10 years, on disability due to one of the conditions, been to 125 doctors and I find this naturopath (none in network) that is a OB/GYN (which I don't need) and specializes in many areas including psychiatry, who has actually helped me as she thinks outside the box and truly wants to help you. She spends 1 hour to 2.5 hours with you for $200-$350 - what a deal, not to mention the results! But, UHC rather pay for 7 doctors ($450 ea) with no results. In other words, they rather pay $3150, instead of $200 and the patient can actually benefit. After all of the UHC runaround (appoximately 30 hours) can't help but feel that UHC really want their members to die.
I like UnitedHealthcare, it had nice coverage for my chiropractic needs, and had good benefits. However we did have to change because they didn’t cover the certain things we needed. Great service however.
My experience with United Healthcare has left me feeling scammed. I first bought a short-term health care plan for them last February. Once this plan ended in August I got a different plan through them. When I started a full-time job I no longer needed this insurance plan, and WOW! what a pain it was to cancel. I couldn’t log in to my online account and for some reason could not reset password. I’ve had issues with logging in to my account from day 1. So I had to cancel over the phone and it took days to get through to someone. It was awful. After that I was not happy, but at least it was cancelled... or so I thought. Four months later I look through my credit card statements and they had been charging me $20 every month. So I called to see what the deal was and they told me that it showed that I called and cancelled my policy in October, but I didn’t specifically say cancel all of my policy. Honestly, what part of I want to cancel my policy makes someone think I still want my policy? It is very shady and no way to get your money back. Be careful if you decide to go with this company that they don’t charge for no reason.
They are immediate customer service and answered all my questions when prompt
I've had United healthcare for years, they are low cost but don't have great service availability and the deductibles are high. Over all, if you aren't one to have a lot of medical needs, they are great.
We had great medical coverage when I worked for an employer that carried UnitedHealthcare. We appreciated the friendly customer service agents who were able to answer questions regarding what was covered and what wasn't and how to get reimbursed for treatment provided by an out of network provider. I wish we still had UnitedHealthcare!
Crooks. UHC is very hard to navigate and work with. What is the point in having health insurance if it doesn't cover health crisis that come up? If at all possible, I would recommend going with a different agency.
No longer has best access to great providers. They are similar to Medicaid now since leaving Methodist.
If a could give this company a zero I would.. customer service is no service -- I have spent 2 hours two separate days on the phone with no answers , I get different answers every time I call. I have been told 7-10 days an answer and it has now been a month..2 weeks of which are in underwriting -- I just got a letter from underwriting with no phone number for them, but for customer service who has no clue what is going on which has taken 12 days in the mail.
United Healthcare is impressive. They just care and treat all of their customers as they would themselves. I experienced first rate customer service through minor issues that were not their fault. Yet they took ownership and just made things better. You can't ask for better from the healthcare industry. They are an example of what can work well.
Marisa A Penna
They have the worst insurance my fiance is trying to get in a facility for rehab and his insurance through them only take a couple places for rehab. When I retire next year i will make sure I dont use them cuz they suck. They to get in a rehab in rochester ny and u can't
Poor website with outdated information. Poor ability of customer service to rectify problems. Said and it is written that Shingrex is approved vaccine (two doses) with no co-pay for my policy but denied paying my first dose. Customer service, written form downloaded and appealed, no refund. They said the already paid. Well, it was 3-4 months later and they had paid 2nd dose, not first. FRUSTRATINGLY BAD!
Can pay bills by phone; takes a while to process payments
I had lung cancer and they truly took care of me from the beginning of my journey to the end. They continually followed up with me and made sure I understood what was to come next. At times it took a while to get an appointment but communicated along the way.
Very good to work with. No problems during the 6 years I have been with them.
I have been with Inited Health since I retired. They always provide friendly professional help any time I have had to call them for anything
Customer support was woefully inadequate, repeatedly failing to provide accurate/adequate information on benefits.
Very friendly and knowledgeable. Good service. Notifications to reorder.