UnitedHealthcare Insurance Review: Top Benefits, High Prices – ValuePenguin
individual health insurance policies through unitedhealthcare (uhc) are more expensive than average; however, plans often include additional benefits and access to wellness programs. In addition, many customers have rated UHC highly for its supportive customer service department and smartphone app that can provide detailed health analysis. UHC is the largest health insurance company by total policyholders. this is exemplified by the broad set of products the vendor offers, including health, dental, vision, and disability.
plans and options
unitedhealthcare offers a variety of products, including:
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although uhc offers all of these plans, not all plans may be available in the state where you live. Also, some policies may have different details and costs when compared state by state. therefore, we suggest carefully reviewing a policy that is specific to your state before deciding to purchase it.
individual health insurance
Individual health insurance plans are available through unitedhealthcare and can be purchased in your state’s health insurance marketplace if you don’t currently receive health care through an employer or medicaid. unitedhealthcare offers five different levels of coverage:
Because these policies are only offered in the health insurance marketplaces, you can only purchase an individual unitedhealthcare plan during open enrollment or if you have a special enrollment period (September) exception.
As you can see from the chart above, UHC’s individual health insurance plans are not a cheap health insurance option compared to plans offered by some competitors. For example, the average individual premium for Fidelis Care in New York is $568 per month, which is nearly 47% cheaper than UnitedHealthcare’s average of $1,078.
Price is an important aspect to consider when choosing your health insurance policy. however, you should also look at the additional benefits each health insurance provider offers. for example, unitedhealthcare provides members with access to wellness programs, which we take a closer look at in this review.
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Below is a breakdown of each level of the plan. The main differences between these plans are usually the monthly premium, deductible, and out-of-pocket maximum (OOPM). however, depending on the state you live in, specific policy details may differ, such as copays and coinsurance amounts.
(For the purposes of this review, all policy details in the table are for plans found on the New York State Health Insurance Marketplace. All policy premiums are a monthly cost ).
uhc medicare advantage
unitedhealthcare offers medicare advantage policies through aarp. this means that even though uhc offers the policy, the medicare benefits plan is actually being underwritten by aarp. Some medicare policies you can buy include:
While these are all of the policies UHC offers, they may not all be available in your state, as each state’s regulations will vary.
short-term medical insurance
unitedhealthcare short-term health insurance policies are less expensive than individual health insurance, but provide minimal benefits. Plus, unlike individual plans, a short-term policy can be purchased outside of open enrollment, meaning it can be purchased throughout the year.
uhc offers three different levels of short-term health insurance policies: value, copay value, and plus.
The main difference between these tiers will involve premium, coinsurance, and the cost of a doctor’s visit. for example, the most expensive plan also provides the best coinsurance after the 20% deductible. A short-term health insurance policy can be helpful if you’re healthy and need minimal coverage, but this is one policy you shouldn’t buy if you have a family.
business health insurance
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unitedhealthcare offers health insurance for small businesses and employer plans for groups with two to more than 5,000 employees. These are typically comprehensive plans, meaning that a company’s employees can provide medical, dental, health, disability, and life services. however, unitedhealthcare also allows business owners to choose which policies they would like to offer to employees.
For example, a small business owner might choose to offer a health and dental plan through UHC but obtain their disability policy through a different provider.
resources and benefits for members
unitedhealthcare differentiates its coverage by providing additional benefits and unique rewards, encouraging clients to be healthy, and enabling access to the uhc mobile app.
uhc baby blocks is a program that rewards members for going to the doctor with their baby. Pregnant moms and babies up to 15 months old can enroll by simply confirming their membership and answering a few simple health questions. Some typical rewards registrants may receive for participating include gift cards, baby items, toys, books, or child safety items.
another program that uhc members can access is myeasybook, which offers members the ability to schedule a doctor’s appointment 24 hours a day, 7 days a week.
uhc mobile app
The unitedhealthcare app is a feature that the health insurance provider allows its members to download. Some of the features offered in this smartphone app include:
customer comments and complaints
customer reviews of unitedhealthcare are slightly above average compared to other health insurance companies. Many members praise the company’s tech support and customer service for being easy to work with and providing enough information when they have questions. All of this is exemplified by the company’s National Association of Insurance Commissioners (NAIC) Complaint Index of 0.04, meaning the company has received significantly fewer than the average number of complaints given its size.
ultimately, unitedhealthcare received a rating of am best from a (excellent). this means the company is financially strong and has the ability to pay claims in the future.