United Healthcare Insurance Reviews And Ratings
Here are customer comments about UnitedHealthcare, good and bad.
“I’ve been with United Health Care for quite some time, I only use it as a backup insurance for when I can’t be seen by the VA. United healthcare has taken care of me when I needed them to, although my primary insurance is the VA, I still use United healthcare somewhat, they do a good job providing me with good healthcare. I feel pretty comfortable with United healthcare as my secondary insurance.”
“I have them. I have a PPO plan and it is ok. Our plan has individual $3000, family $6000 max out of pocket…best plan my company offers. My wife’s bills were over $75k last year, we just paid $3000. After she hit $3000, it was covered 100%. Your milage may very, but overall we have had good experiences. It is accepted just about everywhere.”
A Review Of United Healthcare Insurance Costs
Costs for insurance can vary based on a variety of criteria.
United Health care gives members access to an online plan shopper.
UnitedHealthcare has many online resources for learning about health plans. You can contact them here or review their FAQ page.
Depending on where you live, the services and costs available may vary.
Prepackaged bundles are also available, but again, they vary by geographical area and other factors .
One example for a single male in Illinois is $94.54 per month for a Hospital & Doctor bundle that includes Primary Dental.
For the same individual plus a spouse, the bundle would cost an estimated $215.83.
A family of four could choose from bundles starting at $365.12 per month.
Produce a sound snapshot of the best opportunities.
Here are a few tips for figuring out how much insurance will cost:
- Compare plans for their benefits that work best for you.
- Take a careful look at you and your family’s medical needs.
- You can’t forsee the type of medical care you may need. Explore as comprehensive a plan as possible that fits within your budget.
- Look at the type of treatment received in the past and amounts spent.
- Compare networks as well as out-of-pocket expenses.
- Perform due diligence on local doctors in the networks.
Does Unitedhealthcare Customer Service Offer Language Support
Yes. UnitedHealthcares customer service department provides communication materials in other languages or large print. You may even ask for an interpreter. UnitedHealthcare members may call the phone number on the back of your plan ID card for language support and non-members may call 1-888-383-9253.
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United Healthcare Medicare And Medicaid Insurance
These government programs provide different services.
A person may qualify only for one or for both. It’s important to understand how each plan works to get the best medical services.
United HealthCare offers a wide array of Medicare plans. These include:
- Original Medicare: : this pays for hospital stays and regular doctor visits.
- Part C: This is a blend of parts A and B together. This is also known as Medicare Advantage.
- Part D: Prescription Drug plans. Most folks who qualify for Medicare take some prescription drugs and these plans vary in coverage and price. Take extra care when selecting your plan.
- Various plans to help you fill the gaps left by traditional Medicare. These plans are knowns as Medi-Gap in the UnitedHealthCare world.
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United Healthcare Rewards Program
Health people help Unitedhealthcare stay profitable.
If you are healthy, you probably only go to the doctor once a year.
Healthy people are active and usually take steps to stay healthy.
As we age, regular exercise if vital to your health.
UnitedHealthCare wants to encourage this behavior, so they have a rewards program.
You can use this link to find a fitness studio in your area associated with UHC.
You can get low cost or no cost gym memberships if you are a Medicare recipient and use UnitedHealthCare for your supplemental plan.
Fed Up with United Healthcare?
Hit ’em where it hurts. Compare health insurance rates from Dodo’s top recommended companies.
Comparison quotes are quick, easy, and free!
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Why United Healthcare Wont Sell Insurance In My Area
United Health care insurance, aka UHC, uses big data to price their insurance.
They probably know more about you than you do.
Health insurance is a competitive business and UHC wants to make money, to do this they have to offer the best possible coverage at the lowest possible price.
Because health insurance is regulated by Obamacare, they cant deny coverage to people for pre-existing conditions.
The only way they can avoid selling insurance to someone is to avoid that state or zip code area entirely.
So you would need to be a part of a group in order to access United Healthcare in California.
UnitedHealth Group , also owns Optum.
Optum is the name of the network of healthcare providers owned by UnitedHealth Group.
They have been buying hospitals and doctors offices throughout the country for the past 10 years.
They can cut costs by streamlining the way information and payments are handled between the doctors office and the insurance company.
UnitedHealthGroups goal is to provide quality medical care at the lowest possible cost to the medical insurance provider.
Whether or not they meet that goal is another question.
According to this recent article that appeared on the news website Bloomberg, Optum Healthcare now is the largest single employer of doctors in the United States.
They are basically copying the Kaiser Permanente model by combining the health insurance company with the health insurance provider.
Whether or not it’s good for you and I is debatable.
Uhc Insurance Review: Complaints All Over
38% of reviews on Consumer Affairs are 1 or 2 Star . That’s 279 out of 740 ratings in the past year as very negative. Out of 740 ratings, 153 ratings are five-star ratings . Obviously United Healthcare Review sucks on ConsumerAffairs.com. The story is similar on Yelp. There are 179 Yelp reviews and almost all are one-star ratings. They have an average rating there of 1 star.
Consumers are also posting their complaints against the company on UnitedHealthCareComplaints.com
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Do You Have Medicaid And Medicare
If you’re eligible for both Medicaid and Medicare, check into UnitedHealthcare Dual Complete,® which is a Dual Special Needs Plan .
These plans are available in some states. D-SNP can help you get more benefits and features than you can with Original Medicare, at no extra cost.
Don’t have an account? Register now1
Find Cheap Health Insurance In Your Area
As you can see in the graph above, UHC individual health insurance plans are not a cheap health insurance policy when compared to plans offered by some competitors. For example, the average individual premium for Fidelis Care in New York is $568, which is close to 47% cheaper than the average of $1,078 for UnitedHealthcare.
Price is an important aspect to consider when choosing your health insurance policy. However, you should also look at the additional benefits that each health insurance provider offers. For example, UnitedHealthcare gives policyholders access to wellness programs, which we evaluate in more depth in this review.
Below you will find a breakdown of each metal tier. The main differences between these plans is typically the monthly premium, deductible and out-of-pocket maximums . However, depending on what state you live in, the specific details of the policy may differ, such as copays and coinsurance amounts.
| Plan name |
|---|
| $2,000 |
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View Important Disclosures Below
UnitedHealthcare Insurance Company pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP and its affiliates are not insurers. AARP does not employ or endorse agents, brokers or producers.
AARP encourages you to consider your needs when selecting products and does not make product recommendations for individuals.
Please note that each insurer has sole financial responsibility for its products.
Faq For Medicare Advantage Members
Are Medicare members eligible for this new benefit?
UnitedHealthcare Medicare Advantage members are not eligible for reimbursement of COVID-19 at-home tests purchased without a physicians order under this policy. All of our Medicare Advantage plans cover COVID-19 testing when ordered by a physician with a $0 copay. If your UnitedHealthcare Medicare Advantage benefit plan includes an Over-the-Counter Products Catalog or Products Card benefit, OTC COVID-19 tests may be available through that benefit.
UnitedHealthcare Medicare Supplement plans and UnitedHealthcare Medicare Prescription Drug Plans do not cover or reimburse for purchases of COVID-19 at-home tests. For information on Original Medicare coverage for COVID-19 testing, see Coronavirus Test Coverage .
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Questions We’re Ready To Help
Call UnitedHealthcare at:FED TFN
8 a.m. – 8 p.m., 7 days a week.*
*Alaska and Hawaii: 8 a.m. – 8 p.m. Monday – Friday,8 a.m. – 5 p.m. Saturday and Sunday
Already a member? Call the number on the back of your member ID card.
MO10050ST
7 a.m. – 11 p.m. ET, Monday – Friday 9 a.m. – 5 p.m. ET, Saturday.
Already a member? Call the number on the back of your member ID card.
MO10050ST
Are you a Plan Member?
Go to the Member Site to Sign In or Register for an account.
This plan has been saved to your profile.
A plan has been removed from your profile.
No plans or drugs have been saved.
Get plan information, forms and documents you may need now or in the future.
Plan Types
Tools to help you choose a plan
What Is Medicaid And What Does It Cover
Medicaid is a way to get health care at a lower cost or sometimes at no cost to you. Medicaid typically covers children, pregnant women, elderly adults and people with disabilities and eligible low-income adults.
Medicaid health plans cover things like:
- Hospital stays
- Shots for children
- Tests and x-rays
Medicaid is managed by each state, so the eligibility requirements can change from state to state. Your state may even have its own name for its Medicaid program. You can learn more by viewing frequently asked questions about Medicaid.
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Customer Reviews And Complaints
Customer reviews for UnitedHealthcare are slightly above average when compared with other health insurance companies. Many members praise the companys tech support and customer service as being easy to work with and providing enough information when they have questions. This is all exemplified by the companys National Association of Insurance Commissioners complaint ratio of 0.04 meaning the company has received significantly less than the average number of complaints given its size.
Finally, UnitedHealthcare received an AM Best rating of A . This means that the company is strong financially and has the ability to pay out claims in the future.
Editorial Note: The content of this article is based on the authors opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
Youre Our First Priorityevery Time
We believe everyone should be able to make financial decisions with confidence. And while our site doesnt feature every company or financial product available on the market, were proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward and free.
So how do we make money? Our partners compensate us. This may influence which products we review and write about , but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services.Here is a list of our partners.
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How Do I Enroll
To enroll in a UnitedHealthcare medical plan, you need to complete the PEBB Continuation Coverage Election/Change form.
If you enroll in a UnitedHealthcare Medicare Advantage Prescription Drug plan, and you are already enrolled in a standalone Medicare Part D plan, your current Part D plan will be terminated. The termination happens because you can only have one Part D plan at a time, and the UnitedHealthcare MAPD plans include Part D coverage.
Unitedhealthcare Connected Benefit Disclaimer
This is not a complete list. The benefit information is a brief summary, not a complete description of benefits. For more information contact the plan or read the Member Handbook. Limitations, copays and restrictions may apply. For more information, call UnitedHealthcare Connected® Member Services or read the UnitedHealthcare Connected® Member Handbook. Benefits, List of Covered Drugs, pharmacy and provider networks and/or copayments may change from time to time throughout the year and on January 1 of each year.
You can get this document for free in other formats, such as large print, braille, or audio. Call , TTY 711, 8 a.m. – 8 p.m., local time, Monday – Friday . The call is free.
You can call Member Services and ask us to make a note in our system that you would like materials in Spanish, large print, braille, or audio now and in the future.
Language Line is available for all in-network providers.
Puede obtener este documento de forma gratuita en otros formatos, como letra de imprenta grande, braille o audio. Llame al , TTY 711, de 08:00 a. m. a 08:00 p. m., hora local, de lunes a viernes correo de voz disponible las 24 horas del día,/los 7 días de la semana). La llamada es gratuita.
Puede llamar a Servicios para Miembros y pedirnos que registremos en nuestro sistema que le gustaría recibir documentos en español, en letra de imprenta grande, braille o audio, ahora y en el futuro.
Los servicios Language Line están disponibles para todos los proveedores dentro de la red.
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Unitedhealthcare Senior Care Options Plan
UnitedHealthcare SCO is a Coordinated Care plan with a Medicare contract and a contract with the Commonwealth of Massachusetts Medicaid program. Enrollment in the plan depends on the plans contract renewal with Medicare. This plan is a voluntary program that is available to anyone 65 and older who qualifies for MassHealth Standard and Original Medicare. If you have MassHealth Standard, but you do not qualify for Original Medicare, you may still be eligible to enroll in our MassHealth Senior Care Option plan and receive all of your MassHealth benefits through our SCO program.
Unitedhealthcare Dual Complete Plans
Plans are insured through UnitedHealthcare Insurance Company or one of its affiliated companies, a Medicare Advantage organization with a Medicare contract and a contract with the State Medicaid Program. Enrollment in the plan depends on the plans contract renewal with Medicare. This plan is available to anyone who has both Medical Assistance from the State and Medicare. This information is not a complete description of benefits. Call TTY 711 for more information. Limitations, co-payments, and restrictions may apply. Benefits, premiums and/or co-payments/co-insurance may change on January 1 of each year.
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Dual Special Needs Plans
For people who qualify, these combine the benefits of Medicare Parts A and B with your states Medicaid benefits, for as low as a $0 premium.
7 a.m. 11 p.m., ET, Monday – Friday 9 a.m. 5 p.m., ET, Saturday
* Medicare Advantage: April 2020 CMS and Internal Company Enrollment Data. Medicare Supplement: From a report prepared for UnitedHealthcare Insurance Company by Gongos, Inc., Substantiation of Advertising Claims Concerning AARP Medicare Supplement Insurance Plans, August 2020, www.uhcmedsupstats.com or call 1-800-272-2146 to request a copy of the full report.
** You must continue to pay your Medicare Part B premium if not otherwise paid for under Medicaid or by another party. Not all plans are available in all locations.
How Do I Contact My Unitedhealthcare Medicare Advantage Plan
Summary: You can contact UnitedHealthcare using the number on the back of your member ID card. You also may be able to contact UnitedHealthcare through email or your smartphone or get your questions answered online.
One day you may find yourself wondering how to contact UnitedHealthcare. Sometimes its for something as simple as asking for a replacement ID card or finding a participating pharmacy. Other times, you may want your plan to reconsider a payment decision or find out why a specific medication costs more than it used to.
If you have a UnitedHealthcare Medicare Advantage plan, its easy to get in touch to find answers to your questions.
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Reporting Fraud Waste Or Abuse To Us
When you report a situation that could be considered fraud, youre doing your part to help save money for the health care system and prevent personal loss for others. If you suspect another provider or member has committed fraud, waste or abuse, you have a responsibility and a right to report it. Taking action and making a report is an important first step. After your report is made, we will work to detect, correct and prevent fraud, waste, and abuse in the health care system.
Call us at or visit uhc.com/fraud to report any issues or concerns.
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Choosing A Health Plan
When choosing a health plan beneficiaries must know that this is a way to get Medicaid Services. When you are in a health plan you will have your own doctor or clinic.
Choose a Plan that is Best for YouThere are three health plans in MississippiCAN. Below are tips for members when choosing a plan:
- Medicaid beneficiaries should choose a health plan that is best for them and meets their medical needs.
- Compare the benefits that each health plan offers.
- Check to see if your doctor and/or hospital accept the health plan.
- You can only see your regular primary care physician or specialist if they accept your plan.
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