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UnitedHealthCare Health Insurance Ratings

Customer Satisfaction Ratings (based on 294 survey results)
Claims ProcessingCustomer ServiceValue for PriceWebsite and Apps% Who Would Recommend to a Friend% Who Plan to RenewA.M. Best
Effective as of:

A.M. Best's Financial Strength Rating is an independent opinion of an insurer's financial strength and ability to meet its ongoing insurance policy and contract obligations.

A.M. Best's rating is NOT used to calculate the overall score but it is important information to consider when choosing an insurance company.

out of 100
May 29, 2019
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Reasons for Buying from UnitedHealthCare

Customers of UnitedHealthCare originally decided to purchase from the company for these reasons:
It's a health plan my employer offers29%
Recommended by friend or family member16%
Offered best price14%
Saw TV commercial12%
Saw online ad7%
I have/had other insurance with this company3%
Was the company my parents had3%
The company website and mobile apps are easy to use and helpful2%

How likely are you to recommend this company to a friend, coworker or family member?

I would definitely recommend this company. 39%
I probably would recommend this company. 39%
Neutral 15%
I would not recommend this company. 4%
I probably would not recommend this company. 2%

Would you renew?

Yes 83%
No 17%

What was most important when choosing your current health plan

Preferred providers available 24%
Low premiums 21%
Low deductibles 16%
Breadth of services 16%
I didn?t have a choice 14%
Not needing a referral (such as a PPO) 7%
Other 1%

Website and Apps

How easy to use and how helpful they are
42%Good - Fulfills my needs
38%Excellent - Gives me what I need and more
12%Just okay - Fulfills some but not all of my needs
5%Never visited/used website or mobile app
2%Unsatisfactory - Doesn?t fulfill my needs, website/app is severely lacking

How You Prefer to Deal with Insurers

24%Interactive website
22%In person
2%Smartphone app
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About UnitedHealthcare

UnitedHealth care offers the following types of plans:

  • Copay, designed for individuals and families who prefer the convenience of a traditional copay plan for routine health care expenses.
  • Health Savings Account (HSA), lower cost, high-deductible plans combined with a tax-favored savings account for more control over health care expenses.
  • High Deductible, a suitable choice for individuals and families who choose to take responsibility for routine health care expenses.
  • Short Term Medical, designed to help fill gaps in insurance coverage during times of transition and change.
  • Student Coverage
  • Short-term insurance
  • Dental coverage
  • Vision coverage
  • Term Life insurance

Best Health Insurance Companies: How UnitedHealthcare Stacks Up

UnitedHealthCare had a solid score of 82.92 in this year’s annual consumer survey. Its highest score was for claims and it earned four stars in that rating category. Eighty-three percent of those surveyed said they planned to renew with UnitedHealthCare.

Gauging an insurance company

Before buying with a company it is wise to check on a company's financial strength and complaint record. The A.M. Best rating listed above gives you an idea of Allstate's financial strength to pay claims. A complaint ratio can be found on the National Association of Insurance Commissioners (NAIC) site. The median complaint ratio from the NAIC is always 1.00. This means half of the insurers have a complaint ratio of under 1.00 and half have a ratio above. Basically, numbers lower than 1.00 are better with fewer complaints than the median and a number higher than 1.00 has more complaints than the median. For health insurance, UnitedHealthcare (NAIC# 79413) had a complaint ratio of 1.19 for group health for 2018. 2019 complaint numbers will be available in 2020.

Company Background

An insurance heavyweight

UnitedHealthcare is an operating division of UnitedHealth Group, the largest single health carrier in the United States and a publicly traded company.

Headquartered in Minneapolis, Minn., UnitedHealth Group offers a broad spectrum of products and services through six operating businesses: UnitedHealthcare, Ovations, AmeriChoice, OptumHealth, Ingenix, and Prescription Solutions. Through its family of businesses, UnitedHealth Group serves more than 70 million individuals nationwide, with the main platforms of UnitedHealthCare and Optum.

UnitedHealthcare has a variety of plans to help its customer find the coverage they need at prices they can afford. Optional benefits and riders to further increase coverage are also available.

Contact information

Corporate headquarters

United Healthcare Insurance Company
450 Columbus Blvd.
Hartford, CT 06103  
Telephone: 860-702-5000

Member services: (866) 633-2446

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