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UnitedHealthCare Health Insurance Ratings

Customer Satisfaction Ratings (based on 372 survey results)
ProductOverall
HOW WE WEIGH OUR SCORE
Claims ProcessingCustomer ServiceValue for PriceWebsite and Apps% Who Would Recommend to a Friend% Who Plan to RenewA.M. Best
Financial
Strength
Ratings
Effective as of:
WHAT IS THIS RATING?

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.

Health
81.10
out of 100
85
81
78
80
69%
91%
A
October 31, 2019
Other Companies to Consider:

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 offers45%
Offered best price12%
Reputation11%
Recommended by friend or family member9%
Saw TV commercial6%
Was the company my parents had6%
I have/had other insurance with this company4%
Saw online ad3%
The company website and mobile apps are easy to use and helpful3%

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

I would definitely recommend this company. 35%
I probably would recommend this company. 34%
Neutral 24%
I probably would not recommend this company. 5%
I would not recommend this company. 2%

Would you renew?

Yes 91%
No 9%

Website and Apps

How easy to use and how helpful they are
38%Satisfied - Fulfills my needs okay
30%Completely satisfied - Gives me what I want and more
22%Neutral - No good or bad feelings on this
7%Never visited or used website or mobile app
2%Not Satisfied - Is not a good website or app
1%Very unsatisfied - Their digital offerings are not good at all or nonexistent

How You Prefer to Deal with Insurers

55%Phone
23%Interactive website
13%In person
6%Email
4%Mobile 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 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

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