UnitedHealthcare Health Insurance Review

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

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?

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.