UnitedHealthCare Health Insurance Ratings
Reasons for Buying from UnitedHealthCare
| It's a health plan my employer offers | 45% |
| Offered best price | 12% |
| Reputation | 11% |
| Recommended by friend or family member | 9% |
| Saw TV commercial | 6% |
| Was the company my parents had | 6% |
| I have/had other insurance with this company | 4% |
| Saw online ad | 3% |
| The company website and mobile apps are easy to use and helpful | 3% |
How likely are you to recommend this company to a friend, coworker or family member?
Would you renew?
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 2020: How UnitedHealthCare Compares
UnitedHealthCare had a solid score of 81.10 in this year’s annual Best Health Insurance Company consumer survey. It ranked overall in 13th place and its highest individual rating factor ranking was 10th for ease of use for website and apps.Other rankings include, 11th for claim handling, 13th for price and 14th for customer service. Ninety-one 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 UnitedHealthCare'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
Feedback of Surveyed Policyholders
Positive Feedback
Neutral/Negative Feedback
"So far no bad experience with them."
"It was a bit hard to get them to help me out when I had a bit of a work accident but it was a minority"
"The only issue I have is not many doctors accept it."
"Their reputation is good but work is not good at least not the help I needed"
"No complaint"
"They are alright, nothing too special."
"The app is very disfunctional. You can enter your zipcode to try and find providers in your area, and then it will tell you none (even though there are in fact 50+). The website is ok but is not easy to navigate but once you locate everything it's easy to get you where you need to go."
"If Ii want to keep my current doctor, I check to see that they're covered by any insurance plans I am considering."
"Because the laws for preventative care keep changing, so does my coverage. I constantly have to remind them that whatever was covered last year as preventative. The answer I usually get back is a copy & paste from the insurance policy that Ive already read through... I wanted some clarity in layman terms."
"They kind of act like they do not feel like working when I call and try to blow me off on the website which is frequently either out of date or not working"
"Complies with the policy agreement"
"I'm not comfortable with the service"
"The sales team doesn't tell all the charges upfront and charge more after sign up."
"This company has hidden charges"
"Website is always down or not functioning properly, have to pay in full until deductible is met, co-pays are high even after deductible is met, forced to use their mail order pharmacy that has terrible customer service and have ended up having to go without medication multiple times because of it"
"Health insurance is super complicated. The insurer has been generally okay but not great - can be a hassle to get them to cover what they should sometimes."
"United Healthcare is an ok healthcare company. I like that they have a low deductible but I feel like they don't cover as much."
"I've had no problems with them so far and they have always been there when I've needed them"
"They don't cover very much"
"I really wish I could get better coverage for the price I pay."
"Ok company but not for me"
"I could do with better prices"
"Customer service reps are unknowledgable and will usually not fulfill requests for things like new insurance cards."
"It is a good feeling to have insurance"
"Nothing they are all around good"
"Worst insurance company"
"Best of the best"
"Well my husband has tried to be with this company and first they took out a lot of money the first time like 800 dollars of his check and they put us in a bind and we still didn't have coverage and than they did it to us again like ok people we have a kid we have to take care of but still haven't gotten it settled. I don't like the company at all they don't make sense. Whwen we try to ask questions they lie and tell us that they will fix it and they don't."
"Not good for new customers, super confusing"
"Is not friendly insurance company."
"We pay twice as much as our old insurance and get less coverage"
"Could have a lower price"
"It's so so. High premium. Little coverage & high deductible. I could come out cheaper without insurance at these rates."
"I hate my insurance, it sucks & would NEVER reccommend it to anyone!!!!!!!!!!!!!!!!"
"No real experience since my employer switched"
"It was a while ago but I don't recall any bad incident"
"I haven't had to take advantage of my health insurance very much in the past few years but when I did, I had no issues."
"Not all health insurance plans offer a prescription benefit plan in addition to a treatment plan. Even if you have a prescription plan, not all medications are covered. Many prescription plans have formulates that determine how much you pay for different classes or brands of drugs."
"The cost of healthcare is getting higher and higher for less and less coverage"
"Does what I need it to do"
"Slow when processing a claim"
"What is there really to say about health insurance company...nice website is about all I got for ya"
"Lacking and over priced"
"No issues yet"
"Just ok.. they pay"
"Low deductible, but you have to question everything because they won't pay anytthing otherwise."
"Frustrating. I can't blame the insurance company totally. Part of it comes from my husbands' company. Our policy changed and price went up."
"I don't feel any healthcare is a good price now, in the last 5 years it went up from $300 a month to about $1400 and coverage is worse. They need to offer better policies like catastrophic or hospital only plans or I'll be priced out of the market."
"Have had no problems with routine care payments."
"I don't really start until Jan 1, 2017, but so far they seem like total idiots, the clerical staff I mean, just like Kaiser, which scares me."
"Claim process through internet get slow after certain step"
"Look for a company that let's you choose exactly what doctors you want to see."
"Too expensive."
"Good service but the premiums are quite high"
"Healthcare is difficult to navigate but with a lot of research you can stay within the covered services."
"All insurance is hard to understand"
"It has never not covered some medical condition that has occurred between me or my family members on the policy."
"They are a good company but only pay things that medicare covers which is a draw back."
"Provides AARP as well"
"It is fine --health insurance is a must but it is never a great product or price"
"Their premiums are a little high and the don't always cover everything"
"All heavily accented reps is who you can talk to and it sucks for anyone hard of hearing. Noone can answer questions, I get transferred multiple times and lost half the time"
"Fortunately, i have not had major claims. Hope to remain healthy."
"I have never had a problem with a claim."
"Too expensive, not good benefits"
"Policies of this company are not so bad"
"My insurance is okay but I have a high deductible and it does not worth it."
"Read the fine print of the policy or you may be surprised"
"Their website is not user friendly. They are average at best to deal with."
"This company is to safeguard people"
"Websites gives you adequate information"
No Comments
"It's an amazing company so far"
-Age 18-36, California"It represents everything I need and offers great security"
-Age 18-36, California"They provided a simpler approach to health plans."
-Age 18-36, California"This company is responsible and fast."
-Age 18-36, California"Insurance company certainly works better if it has agents that have full knowledge about the market, my company has"
-Age 18-36, Colorado"You won't regret dealing with this company."
-Age 18-36, Colorado"So far so good. Internet site is easy to navigate"
-Age 18-36, Connecticut"They are very prompt and considerate"
-Age 18-36, Connecticut"The attentions is good and fast, they clarify all my doubts very fast, the quality of the insurmountable insurance service"
-Age 18-36, Delaware"This company understand the problem of customer"
-Age 18-36, Delaware"Company approach is quiet different and effective as far as the offering solution related to health care."
-Age 18-36, Florida"Is a responsible insurer, always meets its customers' needs"
-Age 18-36, Florida"It has a good price and good coverage, plus the personalized attention is great"
-Age 18-36, Florida"Just go by what are employer uses. This past year I had a baby so my deductible is met pretty quickly. It makes it easy to go to the doctors after that. The deductibles were low and affordable. We never really had an issue with any of are insurance this past year"
-Age 18-36, Florida"My experience has been very pleasant, we have understood very well and covers my needs"
-Age 18-36, Florida"It's a reliable company"
-Age 18-36, Florida"They are good to customers."
-Age 18-36, Florida"Very good and sensational"
-Age 18-36, Florida"With this company I feel safe and that my assets are in good hands for any negative event"
-Age 18-36, Florida"They offer affordable prices as per the customer need. Good profit."
-Age 18-36, Idaho"Feels comfortable and safe"
-Age 18-36, Indiana"Good coverage and services are prompt"
-Age 18-36, Indiana"Pay claims quickly"
-Age 18-36, Indiana"On parents' policy but copays and rates are reasonable"
-Age 18-36, Iowa"Helpful customer service"
-Age 18-36, Kansas"They are great with working with you"
-Age 18-36, Kansas"Their response time is very less, sometimes it's already before you"
-Age 18-36, Kentucky"The website is great, they respond quickly to email s that are sent, the representatives listen when I contact them, and I have the coverage that meets my family's needs."
-Age 18-36, Louisiana"It's a good policy, the best for me"
-Age 18-36, Maryland"They are very helpful. When I got braces, they covered most of the cost as well as my glasses when I first bought them."
-Age 18-36, Maryland"Wonderful, on the occasions that I need them the attention has been excellent"
-Age 18-36, Missouri"Great place, fast help, cheap and affordable"
-Age 18-36, Nebraska"This health insurance company has benefits for going to doctor etc."
-Age 18-36, Nebraska"My insurance company always stays on my side for health claims"
-Age 18-36, Nevada"All of my doctors are covered within network, which is nice."
-Age 18-36, New Jersey"My insurance provider is very reliable. They have great customer service and low premiums."
-Age 18-36, New Jersey"All the benefits they provide are good"
-Age 18-36, New York"Excellent attention online or personalized, has good reputation. I feel calm because the policy offers medical protection coverage to me and my family, for me it is important to have this insurance policy because it allows me to easily face the costs and medical services, which have increased a lot in recent years"
-Age 18-36, New York"Excellent services and fast in the attention of the members."
-Age 18-36, New York"Good service and system"
-Age 18-36, New York"Has good coverage and customer service"
-Age 18-36, New York"I love the ease of navigating the company, I would like other companies to take it into account"
-Age 18-36, New York"They send me by mail quarterly all the detailed relationship with an informative note which serves us for operational control that I like about this company"
-Age 18-36, New York"Very good to deal with"
-Age 18-36, North Carolina"Amazing company"
-Age 18-36, Ohio"I heard the timing on claim payouts are super fast and if I ever needed to file I would want a quick speedy process"
-Age 18-36, Ohio"I recently had to file several claims regarding billing since I had my daughter and the representative explained and fixed things for me, which was amazing. She actually cared and answered my questions."
-Age 18-36, Ohio"They are good overall."
-Age 18-36, Ohio"I can easily find them either by e-mail or call"
-Age 18-36, Oklahoma"They offer competively priced healthcare plans which have covered my basic needs."
-Age 18-36, Oklahoma"Always keeps their promise"
-Age 18-36, Pennsylvania"Great at helping when in need"
-Age 18-36, Pennsylvania"Great insurance, hard workers"
-Age 18-36, South Carolina"Good experience, because this company provides me best claim policies"
-Age 18-36, South Dakota"Very good reputation of the company"
-Age 18-36, South Dakota"Good insurance"
-Age 18-36, Tennessee"Great customer service"
-Age 18-36, Tennessee"They took care of my situation in a fast way"
-Age 18-36, Tennessee"Very helpful when I need to contact them"
-Age 18-36, Tennessee"Easy to reach"
-Age 18-36, Texas"Fast efficient service"
-Age 18-36, Texas"I could reconmed. I have had good experiences with this company."
-Age 18-36, Texas"It's all good with United Healthcare"
-Age 18-36, Texas"It is a good company to pick"
-Age 18-36, Texas"They are fine"
-Age 18-36, Utah"Excellent insurance carrier"
-Age 18-36, Virginia"They're very friendly and quick to assist when I e had issues (prescriptions, high hospital bills after having a child). I have them through my hisband's Employer. I used to have Cigna and I do think United provided better coverage."
-Age 18-36, Virginia"Deductible is good and copays are average"
-Age 18-36, Washington"Goos prices"
-Age 18-36, Washington"I want others to know that the insurer's website is very easy to navigate."
-Age 18-36, Washington"They give you lots of plan choices"
-Age 18-36, Washington"Company offers you a wide range of products and services, you get what you want"
-Age 18-36, Arizona"Great customer service."
-Age 18-36, Arizona"This company is very good"
-Age 18-36, Arizona"Very well organized, amazing benefits for family and for personal coverage"
-Age 18-36, Arizona"It is okay with coverage"
-Age 18-36, Arkansas"Excellence first with this company"
-Age 18-36, California"I've had a very good a experience with them"
-Age 18-36, California"Good reputation"
-Age 18-36, California"I am very satisfied with all the services that this insurer provides"
-Age 18-36, California"They are there to answer questions when I need them"
-Age 37-52, Alabama"Every medical need i have is covered including prescriptions. This coverage is so awesome!!!"
-Age 37-52, Arizona"My experiences very good excellent treatment and attention to time the insurer becomes part of the family, I recommend widely."
-Age 37-52, Arizona"The company mobile apps are easy to helpful and useful."
-Age 37-52, Arizona"They offer a lot of services"
-Age 37-52, Arkansas"Bad insurance policy"
-Age 37-52, California"Good support"
-Age 37-52, California"It is good insurance and they offer good customer service."
-Age 37-52, California"My overall experiance was good"
-Age 37-52, California"Pretty nice compare to other companies"
-Age 37-52, California"They've been good to work with so far"
-Age 37-52, California"Their policy is convenient for customer, that is good for company."
-Age 37-52, Colorado"Great customer service"
-Age 37-52, Connecticut"They gives low premium to customer."
-Age 37-52, Connecticut"Easy to get along with."
-Age 37-52, Florida"No need to referral the other customer because it's charges high price amount to takes policy."
-Age 37-52, Florida"The company is of high quality and with a good image"
-Age 37-52, Florida"Easy to submit claims and get reimbursed"
-Age 37-52, Georgia"Easy way to have for claim the money of policy in this company."
-Age 37-52, Hawaii"I select this company because this company easily gives the health claim on the very simple health issue."
-Age 37-52, Idaho"Customer service is amazing"
-Age 37-52, Illinois"Great company very prompt"
-Age 37-52, Indiana"Trustworthy company"
-Age 37-52, Indiana"I am paying half the amount as compared and still getting same services and coverage"
-Age 37-52, Iowa"Low deductible, covers almost all services I need"
-Age 37-52, Iowa"Always found them very innovative in their work and while providing services"
-Age 37-52, Kansas"Policies are really better and with low premium"
-Age 37-52, Kentucky"The nurse helpline is very useful"
-Age 37-52, Kentucky"Good company and serving best customer service to their customers."
-Age 37-52, Louisiana"Companies agents are very good"
-Age 37-52, Maine"My claim was processed quickly"
-Age 37-52, Maine"Company providing excellent benefit in the policies."
-Age 37-52, Massachusetts"They cover every hospitalization or surgery, no copays"
-Age 37-52, Michigan"Good customer service"
-Age 37-52, Minnesota"Good rates"
-Age 37-52, Minnesota"Health insurance rates are high and often very confusing but I will say that my insurance's website is really easy to use and has a lot of useful information. In addition the customer service is top notch - I never am put on hold, my questions are answered quickly and everyone I have every spoken to is polite and kind."
-Age 37-52, Minnesota"I always get good advice and feels very much satisfied with them"
-Age 37-52, Minnesota"it is a fair company."
-Age 37-52, Nevada"This insurance company gives better service then my previous one."
-Age 37-52, Nevada"Very efficient service providers"
-Age 37-52, Nevada"Best service ever"
-Age 37-52, Nevada"Company is good in customer satisfaction and takes it seriously"
-Age 37-52, New Hampshire"I like that they have knowledgeable customer service reps that can answer my questions."
-Age 37-52, New Jersey"All was great, the personal was very kind"
-Age 37-52, New York"Fast customer service"
-Age 37-52, New York"Great for family and what we needed"
-Age 37-52, New York"Low prices"
-Age 37-52, New York"This is a really good company and they provide the right coverage for the right price"
-Age 37-52, Ohio"It's easy to connect with them, you also get follow ups on your issues"
-Age 37-52, Ohio"They have good benefits."
-Age 37-52, Ohio"I learn something new everytime I go to their website and spend extra time there. They don't have any problemes with you calling them and talking to them about the possabilities of this or that happening"
-Age 37-52, Oklahoma"This company has a great reputation and they offer great customer service."
-Age 37-52, Oklahoma"I have only had to call them one time and they were extremely friendly and helpful. I have not had any major health concerns so I do not know how well they would handle those claims."
-Age 37-52, South Carolina"My healthcare is excellent and affordable"
-Age 37-52, South Carolina"Por enquanto atende todas as minhas necessidades"
-Age 37-52, South Carolina"Company does an excellent job for the customers."
-Age 37-52, South Dakota"I have good experience because this company provide lots of policies for you according to your budget."
-Age 37-52, South Dakota"Low rates and values the customer"
-Age 37-52, Tennessee"Premium are the lowest"
-Age 37-52, Tennessee"They are easy to deal with"
-Age 37-52, Tennessee"Their coverage is good and they pay their claims promptly."
-Age 37-52, Tennessee"Good for prescriptions meds."
-Age 37-52, Texas"Simple and very easy process of renew the policy"
-Age 37-52, Texas"That they are an excellent company."
-Age 37-52, Texas"The claims process is very simple."
-Age 37-52, Texas"They provide a good service"
-Age 37-52, Texas"You are always welcomed with your issues and you will get excellent service that will satisfy you"
-Age 37-52, Vermont"United Healthcare is the best because all the clinic and hospital most likely accept United Health Care and the best part is you have a Silver Snicker program that you can sign up any fitness and they pay for it and no copay for prescription dug and no copay for visit to your primer Doctor or clinic"
-Age 37-52, Washington"Claim was processed quickly and easily."
-Age 37-52, Wisconsin"Good company"
-Age 37-52, Wisconsin"Very easy to work with them"
-Age 37-52, Wisconsin"Easy to understand the policy"
-Age 53+, Alaska"Great coverage at good prices"
-Age 53+, Arizona"They have allowed everything my doctors advised and paid in full."
-Age 53+, Arizona"They meet my health needs"
-Age 53+, Arizona"They have good coverage for numerous health care decisions."
-Age 53+, Delaware"I am satisfy with their 24/7 service"
-Age 53+, District of Columbia"Good coverage"
-Age 53+, Florida"Good. I get what I need out of it but I know I should do more homework in it next year. As premiums went up and my resources are limited"
-Age 53+, Florida"Great company, very helpful."
-Age 53+, Florida"Professional and pleasant"
-Age 53+, Florida"They always pay my claims quickly"
-Age 53+, Florida"They have low premiums and provide good health coverage."
-Age 53+, Georgia"The pleasant way I am treated keeps me coming back"
-Age 53+, Hawaii"Call or go in, he or she will even go over your policy again. Answer any questions that your may have. "
-Age 53+, Indiana"They are always there to help"
-Age 53+, Indiana"Good service "
-Age 53+, Maryland"They perform very well to my expectations and their website is easy to access and navigate. "
-Age 53+, Maryland"They are an excellent health insurer that is always there for you. There is never an issue with any claims."
-Age 53+, New Jersey"They handle claims promptly and easy to speak to if needed"
-Age 53+, New Jersey"Good coverage options"
-Age 53+, New York"Low rates"
-Age 53+, New York"They are a solid company you can count on."
-Age 53+, New York"They provide me extra benefit with good and affordable price."
-Age 53+, New York"Ease of processing claims."
-Age 53+, North Carolina"Good rates and coverage"
-Age 53+, Ohio"Overall, I am happy with this company except I have to pay a portion of my premium."
-Age 53+, Ohio"Prompt payment"
-Age 53+, Ohio"Works hard for its clients"
-Age 53+, Rhode Island"Always there for me and always helpful."
-Age 53+, South Carolina"Affordable policy with extra benefits for us"
-Age 53+, South Dakota"The reps filled with great enthusiasm that you can experience"
-Age 53+, South Dakota"United Health care is always calling me to check on my health, or to tell me about anything I might need to know."
-Age 53+, Texas"They have a bad website"
-Age 53+, Wisconsin"They have different insurance plans, available in need, provide good coverage with world class comfort and quality."
-Age 53+, Wyoming"United health care helps its customers by improving, maintaining and enhancing the health to receive minimized premiums thus company sacrifices a lot for its buyers."
-Age 53+, Wyoming