UnitedHealthcare Insurance Reviews in 2022

Updated: November 9, 2022
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UnitedHealthcare dominates the American health insurance market. In business since 1977, this insurer has been available everywhere but in New York. There are alternatives for dental insurance, long-term health insurance, Medicare, vision insurance, and short term health insurance, among others. In this article, we will talk about UnitedHealthcare reviews.

Key Takeaways
  • In 18 states, United Healthcare, usually known as United, offers individual and family health insurance policies. It has benefits and drawbacks.
  • UnitedHealthcare offers a variety of plans over three different tiers, allowing you can select a plan that meets your coverage requirements.
  • UnitedHealthcare, one of the largest Medicare providers, compares favorably to other health insurance firms.
  • UnitedHealthcare plans offer additional advantages.
  • Generally, the average cost of a UnitedHealthcare health insurance plan in the ACA marketplace increases with age.
  • It is prudent to compare plan premiums and out-of-pocket expenses such as deductibles because health insurance company premiums fluctuate.https://www.newhealthinsurance.com/types-of-health-insurance-plans-find-your-options/
  • The company has good financial ratings and reviews from independent sources, making it a reliable solution for your healthcare requirements.

About UnitedHealthcare

United Healthcare, commonly referred to as United, is a healthcare insurance provider operating in 18 states. Virtual visits, mental health care, incentive programs, house calls, and other supplementary services are popular among customers.

United offers multiple types of health insurance, including dental, vision, and overall medical coverage. In addition to the traditional Medicare and Medicaid programs, there are now a variety of short-term insurance options and plans tailored specifically to the needs of small businesses.

United’s individual plans are notoriously more expensive than those of competitors. However, those who qualify for United’s insurance have access to many support services.

Pros

  • They are the exclusive health insurance provider that works with AARP.
  • Strategies are regarded as excellent.
  • Some packages include in-home visits and telemedicine services at no extra cost.
  • United offers various services, including those that help people stop smoking, provide mental health treatment, and provide assistance during pregnancy.

Cons

  • The cost of plans has increased.
  • Sometimes the customer is responsible for submitting claims.
  • As of now, the United service is limited to select US states.

UnitedHealthcare Health Insurance Plans: What Does It Cover?

  • Employer-based coverage
  • Dental
  • Family
  • Vision
  • Medicare
  • Individual
  • Supplemental such as hospitalization, international travel, critical illness, indemnity, and accidental
  • Self-employed
  • Medicaid
  • Student
  • Short-term

Types of Plans Offered by UnitedHealthcare

UnitedHealthcare’s Health Insurance Marketplace plans fall into two categories:

HMO: Patients with HMO plans can often only receive covered services from in-network providers. A recommendation is typically required before seeing a specialist.

EPO: When enrolling in an EPO plan, patients are only eligible for coverage if they receive care from a doctor, specialist, or hospital that is part of the EPO’s network. In most cases, a reference is not required before seeing a specialist.

UnitedHealthcare Health Insurance Plan Options

UnitedHealthcare offers a variety of plans over three tiers of metal, so you can find one with coverage that works for you. Every one of these strategies is an EPO strategy. When you visit a primary care physician, a specialist, or a hospital part of your EPO’s network, you will receive coverage for your medical expenses. Plan premiums cost between $368 and $658 per month, with an average deductible of $8,500.

Check out some of the best UnitedHealthcare medical insurance plans:

UnitedHealthcare HealthCare Plans Options

Plan name Premium monthly Per annum Deductible Visits to the workplace Maximum out-of-pocket expense each year
Balance Bronze 3 Free Visits $367.99 $7,500 per person

$15,000/ family

Primary doctor – 50% coinsurance after deductible

Specialist – 50% copayment after deductible

$8,550 per person

$15,000/ family

Value Bronze Saver (HSA) $380.13 $5,900 per person

$11,800/ family

Primary doctor – 30% coinsurance after deductible

 

Specialist – 30% copayment after deductible

$7,000 per person

$14,000/ family

Value Silver 3 Free Visits $490.90 $5,500 per person

$11,000/ family

Primary doctor – 35% coinsurance after deductible

 

Specialist – 35% copayment after deductible

$8,550 per person

$17,100/ family

Balance Plus Silver 3 Free Visits $493.47 $4,500 per person

$9,000/ family

Primary doctor – $40 copayment

 

Specialist – 50% coinsurance

$8,500 per person

$17,100/ family

Value Gold $658.33 $2,350 per person

$4,700/ family

Primary doctor – $20 copayment

 

Specialist – $65 copay

$8,500 per person

$17,100/ family

* Based on a nonsmoking 35-year-old woman in Nashville.

How does UnitedHealthcare compare to other providers of health insurance?

UnitedHealthcare is one of the most popular Medicare service providers.

Here is how it compares to its competitors.

UnitedHealthcare vs. Aetna

In Medicare Advantage plans, both UnitedHealthcare and Aetna are common selections. Based on total plan sales, UnitedHealthcare is the top provider, while Aetna is in fourth place.

When comparing Medicare star ratings, Aetna comes out on top above UnitedHealthcare. Compared to UnitedHealthcare’s 3.5-star rating in 2021, its 4-star rating stands out as particularly impressive. But remember that the star ratings for various plans vary by county.

Comparatively, Aetna and UnitedHealthcare receive very similar marks from independent reviewers. Aetna gets a 3.9-star rating out of 1,670 reviews on ConsumerAffairs, while UnitedHealthcare only manages a 3.8-star rating out of 1,715 reviews.

According to the J.D. Power member satisfaction study, both suppliers rank at 795 out of 1,000.

United Health Care vs. Cigna

Compared to UnitedHealthcare, Cigna is a much smaller Medicare insurance provider. Compared to UnitedHealthcare’s 27% market share, its share is closer to 2%.

By 2021, Medicare had awarded the smaller firm a perfect 5-star rating. We see a significant difference if we compare this to UnitedHealthcare, which has a 3.5-star rating.

Customer satisfaction with Cigna was high, according to a poll conducted by J.D. Power. With an 822 rating, it came in just over the field average of 806.

There are currently 284 reviews of Cigna on ConsumerAffairs, and users have given the company an average rating of 3.4 stars. The average rating for UnitedHealthcare is 3.8 stars. However, this company has just 1,715 reviews.

UnitedHealthcare vs. Kaiser Permanente

In 2021, UnitedHealthcare offered insurance in all 50 states plus Washington, DC, whereas Kaiser Foundation Health Plans were only available in eight states.

In 2021, Kaiser Permanente scored 846 out of a possible 1000 in customer satisfaction, making them the leader in the industry, according to J.D. Power. UnitedHealthcare received a 795 in the same study.

When comparing the number of new members enrolled in each company in 2021, we find that UnitedHealthcare enrolled 827,000 people while Kaiser Permanente enrolled 59,000.

All major medical specialties are covered, and the services provided to members are comparable between the two firms. Nonetheless, UnitedHealthcare provided a wider selection of plans in 2021.

In 2021, Kaiser Permanente rated 5 stars, while UnitedHealthcare was rated 3.5 stars. UnitedHealthcare, on the other hand, has 28 distinct plans that were rated four stars or above.

Extra UnitedHealthcare Health Insurance Benefits

Additional services are included in certain UnitedHealthcare plans. Depending on your unique plan, you may have access to the following types of benefits:

  • Copayments and office visits to primary care doctors are free.
  • Free, unlimited online meetings
  • Affordable medicines at Walgreens ($3).
  • Digital fitness class subscription
  • Optical and dental care for adults
  • Eligibility for medical savings accounts
  • When you visit your primary care physician, gift cards are provided.
  • Prescription drug delivery

UnitedHealthcare Health Insurance Costs

The cost of a UnitedHealthcare medical coverage plan purchased through the Affordable Care Act marketplace escalates as subscribers age. For those in their thirties, the average monthly cost is $403, those in their forties pay an average of $454, and those in their fifties spend an average of $634.

The health insurance cost varies widely depending on several factors, such as type of policy, the metal tier, the policyholder’s age, the number of insured individuals, and the policyholder’s location.

Comparing UnitedHealthcare Costs to Those of Competing Companies

The rates charged by health insurance carriers vary widely, so it’s important to shop around and evaluate total costs, including deductibles and copayments.

UnitedHealthcare’s monthly rates are less expensive than those of Aetna and Cigna across the board, although they are slightly more than those of Kaiser Permanente.

UnitedHealthcare reviews

UnitedHealthcare Reviews

United Healthcare Review: Products

  • Availability of numerous coverage options
  • Acceptance in hospitals and physician’s offices around the nation
  • Excellent, always-open, round-the-clock online member portal access.

UHC’s healthcare provider network accepts a variety of insurance plans.

The following are among their best-selling items:

  • Health Saving Accounts
  • Individual Health Insurance
  • Corporate Health Insurance
  • Vision and Dental Insurance
  • Medicare Advantage Plan

All around the country, UHC plans are accepted in clinics and hospitals. Both open-access and in-network-only options are available from UHC. There are about 790,000 doctors in the network and another 200,000 dentists and 50,000 optometrists spread out over the United States. This implies that UHC members, even those who choose in-network-only coverage, still have a wide variety of doctors and hospitals from which to select. The larger the network, the more cost savings per user, will accrue. UHC offers PPOs and HMOs for health insurance.

Members also have access to a state-of-the-art member portal on the website, where they can view their personal health information anytime.

UHC is available nationwide. Customers benefit from this accessibility by having access to a larger network of healthcare professionals than they would with most other insurance providers, regardless of their location.

United Healthcare Review: Member Discounts and Wellbeing Programs

  • Quantity of health and wellness programs
  • Cover a variety of subjects
  • Get access to discounts.

Several health and wellness programs are available to UHC members. Workplace wellness and fitness programs are available for just about anyone to participate in, from expecting mothers to the elderly. Additionally, customers can save money on services and products like Lasik eye surgery, hearing aids, and more.

United Healthcare Review: Claims Tools and Appointments

  • MyEasyBook-like user-friendly tools
  • Access online to schedule appointments around-the-clock
  • Customers may examine the status of their claims with ease.

UHC provides its customers with convenient tools like MyEasyBook, which allows them to schedule appointments online around the clock, and MyClaimsManager, which allows them to check the progress of their claims at any time see every step the claims process takes, from submission to final resolution.

United Healthcare Review: User Reviews and Usability

  • Better Business Bureau rating of A+
  • Excellent site and application
  • The online quotation procedure is easy.

Customer satisfaction is high, and the Better Business Bureau gives UHC an A+ rating, but your mileage may vary depending on the local providers in the United Healthcare network. JD Power rated UHC’s customer service and vision insurance highly, and the company is in the top two in this market.

The Health4Me app and the United Healthcare website deserve special recognition. The primary website is ideal for those who prefer to do their healthcare transactions digitally, as it provides access to the tools mentioned earlier and capabilities.

Specifically, helpful is the UHC smartphone app. UHC’s Health4Me app has features like doctor search and real-time account access. Customers can email ID cards, check health data, keep medical contacts, speak with a nurse 24/7, and renew medicines.

A minimum of personal information is typically requested throughout the online quote process, but this is common practice in the business. Plans are easily compared.

UHC provides all the forms, and data consumers may need to get an early start on any claims processes.

UnitedHealthcare Insurance Reviews

For many, UnitedHealthcare is the best choice in health insurance. UnitedHealthcare offers various health insurance options, including standalone policies, Medicare supplement plans, and Medicare Advantage plans. Because of its solid financial standing, positive Unitedhealthcare choice plus reviews, and high ratings from independent review sites, the firm is a reliable choice for your health insurance.

Is United Healthcare a good option?

United Healthcare is a household name, and the organization has the resources to provide its members with a wide range of services. While UHC’s premiums are slightly above average, the company’s extensive national network and user-friendly website/app may convince some consumers that the added cost is justified. Accordingly, prospective clients in any region should consider their plan quotes. Even though the quotes are slightly more expensive than those of some of their competitors, the added features and reductions should be considered.

FAQS

Is UnitedHealthcare a good network?

Providers and hospitals are plentiful in UnitedHealthcare’s extensive network. You may probably locate what you need within the UHC network; if not, you can look into plans that provide coverage even when you’re not within the UHC network.

What is the difference between UnitedHealthcare and AARP?

AARP works for retirees and anybody over 50 in the U.S. To put it simply, UnitedHealthcare is an insurance company. AARP’s Medicare Supplement insurance plans are underwritten exclusively by UnitedHealthcare, so the two are connected.

What is United Healthcare’s Select plan?

Members of the UnitedHealthcare Select Plus plan are strongly urged to select a PCP by January 1, 2022. Members of Select Plus are not required to choose a PCP or seek specialist referrals before receiving covered services; however, doing so may be useful.

What is United Healthcare’s EPO plan?

United Healthcare’s (UHC) EPO plan is similar to HMOs in that it restricts members to a preset provider network (UHC network).

Is United Healthcare’s choice plus a PPO or HMO?

With the United Healthcare (UHC) Choice Plus PPO plan, you can see any doctor (general practitioners and specialists alike) in their network without a reference. United United Healthcare has its own network of physicians and hospitals, but you can visit any physician or hospital that accepts it. The plan offers a choice between two different tiers of coverage.

What is covered by UHC Choice Plus?

You can choose your preferred healthcare provider and facility when utilizing this plan. Utilizing the nationwide system helps you save money. You’re still covered even if you see a doctor who isn’t in the insurance network.

Do high-deductible health plans exist under UnitedHealthcare’s choice plus?

An example of a high deductible health plan is Choice Plus 1500 from UnitedHealthcare. Participants in this plan are responsible for paying the full cost of all medical care until the deductible is met. Afterward, the plan shifts to cost sharing, with employees responsible for 10% of healthcare expenses.

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