- Get Coverage as soon as Tomorrow!
- Short term coverage is ideal if you missed enrollment, can't afford traditional insurance, are between jobs, just graduated or retired early.
- Covers: ER & hospitals coverage, Doctors, Labs, Urgent Care & More
- Visit any doctor in their nationwide network; no referral required
- No long term commitment. Budget Friendly.
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173 Customer Reviews - see all comments
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UnitedHealthcare provides wellness coverage for short-term health insurance, employees, families and individuals. Its health insurance plans includes coverage for dental, life, vision and disability. UnitedHealthcare offers 4 major types of plans; bronze, silver, gold and platinum. Covered services include laboratory, prescription drugs, hospitalization and medical services in general.
What’s Included with United Health Care?
- Rehabilitative and habilitative devices and services
- Pediatric Services that includes vision and oral care
- Laboratory services
- Prescription drugs
- Preventive and wellness services and chronic disease management
- Ambulatory patient services
- Hospitalization
- Maternity and newborn care
- Emergency services
- Mental health and substance use disorder services including health treatment
Types of Health Insurance Plans
|
Businesses and Organizations |
Yes |
|
Individuals and Families |
Yes |
|
Short-Term Health Insurance |
Yes |
Other Insurance Plans Offered:
- Vision Insurance
- Critical Illness Insurance
- International Travel Medical Insurance
- Dental Insurance
- Disability Income Insurance
Plans Reviewed
Bronze Insurance Plan
UnitedHealthcare’s Bronze Plan offers the most affordable monthly premium but has the highest out-of-pocket costs for health care services. It covers 60% of health care expenses while the remaining 40% is divided to be paid by the beneficiary as a co-payment, co-insurance, or deductible.
Silver Insurance Plan
The company has created Silver Plan which covers 70% of health care expenses while gives consumers a remaining 30% that is considered to be out-of-pocket expenses. Compared to their Bronze Plan, it has lower out-of-pocket costs and monthly premium rates.
Gold Insurance Plan
Gold Plan pays a total of 80% of health care expenses that are covered by UnitedHeathcare. Consumers pay the remaining 20% in the form of co-insurance, co-payment, and deductible. It provides a wider range of medical services which let policyholders have higher monthly premium in return for a lower out-of-pocket expenses.
Platinum Insurance Plan
Platinum Plan has the highest monthly premium among the company’s insurance plans. It covers 90% of health care expenses while gives policyholders a 10% remaining balance to pay as a deductible, co-payment, or co-insurance.
*UnitedHealthcare requires clients to pay a co-insurance or co-payment for the services they cover. In case a specific service is not covered by the company, customers are obliged to pay for all the expenses associated in it.
How Much Does It Save You?
|
Bronze |
60% of covered health care expenses |
|
Silver |
70% of covered health care expenses |
|
Gold |
80% of covered health care expenses |
|
Platinum |
90% of covered health care expenses |
Summary
UnitedHealthcare offers an easy to understand health insurance plans that comes with its own unique coverage and benefit limits. It offers an extensive list of covered services and treatments which protects you against costly medical expenses.
- Get Coverage as soon as Tomorrow!
- Short term coverage is ideal if you missed enrollment, can't afford traditional insurance, are between jobs, just graduated or retired early.
- Covers: ER & hospitals coverage, Doctors, Labs, Urgent Care & More
- Visit any doctor in their nationwide network; no referral required
- No long term commitment. Budget Friendly.
Latest UnitedHealthcare Reviews
On March 21 this year I received a letter from them dated March 14. that of March 7 my healthcare provider is not anymore in their network. I was scheduled for April 3. to get a knee replacement with this provider who is now out of network and UH will not cover the cost. Is this gangster behavior legal? Paying for the insurance and the moment they need to do their part of the contract you get a kick in the Ass from UH.
This company goes out of its way to discriminate against deaf people. If you are deaf or hard of hearing, they will not let you use an interpreter of your choice and insists that you share your information with some random interpreting service that is governed by no Law whatsoever on whom they share your information with. They violate every ADA rule there is. But hay, deaf people to them have no rights. SHAME on UnitedHeathcare.
All they want is your money.... Kept billing me even after I changed plans.
I switched to UHC (dual complete) from CHP in late 2017 & have never looked back. It's an incredible healthcare plan in my opinion & definitely the best I've ever had.
I can get fresh fruit/veggies with my HealthyRewards Card, as well as assistance with my utility bill and 100% coverage of prescription medications.
They also cover the cost of my hearing aids, eyeglasses & dental care.
Anytime I've needed to speak with a UHC advocate, they've always gone above & beyond to assist me no matter what I've needed their help with.
I highly recommend United Healthcare.
They frivolously deny claims and ask for unrealistic documentation beyond what the provided medical service is physically able to provide.
do not ....i repeat do not get insurance from united health care they misled alot of customers with the subsidy promise...they are telling people you wll receive groceries and money every month they are just telling you that so you will get thier insurance....its sad who can you trust
it seems to be a trend around the U.S i only have 3 doctors and 2 of them left in sept and i was not notified until nov when i went to my visit that's just wrong not to notify
Wow, I just skipped to page 17 of these comments and they are all horrible....so, I just wanted to say I completely agree and really don't understand why they get 5 star ratings from the government and salesman. I get caught up in thinking well they must be the best, but all these reviews say they are awful...and they are..you got a problem, you are sent to the off shore call center who can only read a script, and will not understand, try to understand, or fix your problem. You call more folks, some that can speak American, and they can't help you. Thier apps don't work, and I was told my app was compromised...I complained to medicare...and they didn't care!
Worst insurance company I have ever dealt with. They automatically changed to secondary insurance without reaching out to find that I did not have another primary insurance. Then they started denying claims. Took six months to straighten out. They had paid a claim, rescinded payment and then still would not pay a claim and left me to pay the bill. Should be zero stars.
Every claim seems to get an automatic denial. I get gas lit, and spoken down to whenever I talk to associates. I can’t get straight answers to my questions, they circle around the question and provide a smoke and mirror answer. I really have had a bad experience with UHC.
UHC is leaving us without doctors. They are not signing with Boulder Community Health and we keep getting notices we will have no doctors after Sept 30. This is so bogus. Just like that- our entire health history and our on-going care are gone. My husband has cancer and is scheduled for surgery in Nov and he won't have insurance with his doctor. People face it- you are at their mercy and they don't have any mercy. They would rather send you $10 for talking to a friend than sign up competent and very wonderful doctors. They could keep their optium over the counter health benefits and they can keep their home nurse check up just give us back our doctors. Last month I would have... Read More
If I could get to this box without leaving any stars I would. UHC doesn’t deserve anything! This insurance is criminal! You and your doctor have to jump through so many hoops to get anything done. So much corrupt gray area! There must be a lot of politicians in bed with United Health Care. Having this insurance is like having no insurance, but you’re still paying a high monthly price. The people in charge of UHC sicken me😡
My husband's insurance was switched from Blue Advantage to United Healthcare. The transition process has turned into a NIGHTMARE. We are currently trying to figure out why their website shows my husband can obtain his Advair Diskus 90-day supply for $6.19 -- and then when he ordered it, they changed the price to $118. So far we've talked to Optum reps as well as UHC reps. NO STRAIGHT ANSWERS except to say "the plan" does not cover the generic of this drug?! (But the $6.19 price on the website isn't for generic anyway, it's for "brand.") Nearly a week into this tangled mess and still no answer in sight -- AND, Optum Rx shipped these drugs and billed him at the higher price without his... Read More
Worst insurance I have ever had. They deny everything first, even when your doctor says you need a surgery right away or you could become paralyzed. Only after several appeals will they relent and approve it. I just got denied again for a prescription. I freakin' hate UHC. Oh - and I pay $997 per month for a policy with a $8,000 deductible.
My strongest complaint concerns UnitedHealthcare's pharmacy provider, OPTUM who provides sub-standard care. Authorized medications are routinely denied and I am told to look elsewhere or have my physician select a different med. Today I was informed that the med ordered weeks ago was long standing out of stock and to call my doctor for a different medication. This has occured in the recent past for 3 other medications. Today 5/30/31 I called at 11am regarding a medication and when I asked for additional information the call was abruptly terminated by the OPTUM rep., not the first time being hung up on but the first time I am complaining.
Their customer service is abysmal.
This is the worst insurance on the face of the earth. My husband needs a special therapy and it was denied. Trying to appeal for him to get this therapy is horrible. It was denied because they said he has dementia. What a crock of crap. They don't even know how to read a report. He suffers from MDD, not dementia. My husband's life is in their hands. When I can get Medicare, I WILL NEVER GET UHC INSURANCE. THEY SUCK.
Purchased insurance through Marketplace. I was supposed to pay $50.00 co pay to see an in network doctor. However after making the appointment the doctor was told that I had to meet my $7,500 deductible first. That isn't the way it was written in the description of the plan. When I cancelled the policy in the middle of the month they refuse to prorate my premium and refund the balance of the unused premium. This is not right!
Rob K
Dental insurance is supposed to pay up to $500 per year. UHC only paid $465 even though I spent in excess of $500. They refuse to pay the rest of the money.
Awful. Called several times to talk with a rep, and their accents were so thick I couldn't understand them. I asked for an "on-shore" rep and they hung up on me.
Please be careful when working with UnitedHealthcare. I had an awful experience with them when trying to register a United Healthcare Golden Rule account. They were unable to help me register despite talking to 10 different reps (including their managers and tech reps).
Somehow they managed to mix up my old employer account from 2021 to a totally separate individual plan.
Beyond the issue they were consistently RUDE and INCOMPETENT.
If you have United Healthcare good luck
HORRIBLE CUSTOMER SERVICE. I called them before some major testing that I had to have and asked for coverage/pricing for these tests. Everything they told me was a lie. Ex: Your xray is 100% covered yet I had to pay a copay when I got there. I called to ask how this happened. Twice Sheila and Josefina said they would call me back to address my concerns or a manager would and since 2/8/2023 I have not heard back from anyone. I am going thru some health concerns right now and they are NO HELP!!! They are actually causing me more stress. Avoid using them if you can.
DIY UHC Insurance… I have dealt with UHC for several years now as guardian for my handicapped brother. Their provider listings are poorly done making it much more difficult, since they often don’t tell you that a neurologist does or doesn’t treat epilepsy. It’s almost impossible to find eyeglass providers covered by the 20/20 plan. I wasted 6 hours as the providers listed mostly did not take UHC. Today, I had the same issues while trying to find home health PTs. After wasting about 30’ calling places only to be told they don’t do home health, I called UHC and asked the navigator to give me a list of home health PT. Cortez called me back a few hours later with 4 agencies. When I... Read More
United just like all insurance providers are awful from how they have their setup to how they manage their day to day to how they deal with customers. Good luck trying to get things done with them
4 months ago I submitted two greviances against United of Healthcare (UHC). One of the greviances involved the avoidance out-of-country customer service to release the call at the end to start the survey. Out of the dozens of calls I have placed and requested the survey at the start of the call I observed none of the UHC agents release the calls to start the surveys. This is a continuing issue even today when I called. I was placed on a silent hold today after the discussion ended as I always am and one hour later the line was released without the survey starting. I have spoken with the out-of-the-country call center director and manager and believe these individuals are condoning and... Read More
I am a severely disabled individual. I signed up with UnitedHealthcare Medicare Advantage because my disabilities require the extra benefits they provide. I have been with them for 4 months, and have made countless phone calls to them about various things. I have never been treated SO POORLY by customer service agents. I even tried to file a grievance against one and they refused to provide me with any kind of copy or proof of the grievance (despite assuring me that I would get it at the beginning of the process)!. I'm in the process of contacting corporate because I know from friends and family that my experience is not unique. These agents are uneducated - uneducated about the needs of... Read More