We research all brands listed and may earn a fee from our partners. Research and financial considerations may influence how brands are displayed. Not all brands are included. Learn more

UnitedHealthcare Health Insurance Review

178 Customer Comments & Reviews - see all comments
Our content is free because we may earn a commission when you click or make a purchase using our site. Learn more.
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.


Leave a comment for UnitedHealthcare Health Insurance
Minimum 12 words.
 No maximum length.
* What's Your Rating?
To make this comment as helpful as possible for our community, please provide at least 2 sentences.

178 Customer Comments & Reviews

Loading Reviews ...
J
Jo W
12/28/2023
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


bustalung75
11/23/2023
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


tkasst
11/9/2023
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!


tom.riceelko
10/28/2023
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.


W
Wade S
9/28/2023
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.


Jacquelyn M
9/2/2023
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


T
Tricia S
8/29/2023
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😡


Amy F
7/29/2023
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


side241
6/1/2023
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.


walterlong1
5/30/2023
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.



Top Rated
Our Partner
  • 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.