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United Healthcare Insurance Review

The UnitedHealth Group Incorporated is a diversified company which administers a variety of healthcare and wellness plans throughout the United States through a number of subsidiaries. UnitedHealth Group is headquartered in Minnetonka, Minnesota, and administers nine separate companies including such as: AMX, Ingenix, United Healthcare, AmeriChoice and others. The company was founded in 1977, and serves approximately 70 million people.

United Healthcare is one of the largest health insurance companies in the country in its own right. United Healthcare was created from the evolution of Charter Med, founded in 1974, and was the first company to offer network-based healthcare plans for seniors in 1979. In 1984, the company changed from private ownership to a publicly-traded corporation.

How big is United Healthcare?

United Healthcare has the size and financial strength to pay its claims and even to influence healthcare legislation. The company lobbied extensively to limit the effects of the Healthcare Reform Act of 2010, and continues to spend great deals of funding on political action committees (PACs) designed to benefit insurance companies. The company does over $87 billion a year in business, and received an A. M. Best rating of “A” (Excellent) for its solid financial backing and claims handling.

United Healthcare Approach to Health Insurance

United Healthcare spends a great deal of resources on wellness issues, as well, and has a strong commitment to preventative medicine. By keeping its customers healthy, the company hopes to limit the amount it must pay out in future claims. United Healthcare offers incentives to its customers to practice healthy lifestyles and the company website has many resources designed to increase wellness.

United Healthcare Health Insurance Plans

United Healthcare offers a variety of health insurance plan types to meet the needs of various individuals and groups. Most people purchase United Healthcare coverage through an employer, but the company also sells policies to individuals and the self-employed. United Healthcare is administered in each state according to that state’s rules, so coverage may vary by location. In most states, however, United Healthcare offers HMO and PPO choices, with options which can be added to the total plan benefits.

United Healthcare HMO

United Healthcare’s HMO plans are its most popular products, and offer more flexibility than most HMOs due to the large number of providers—626,000 doctors and 5,035 hospitals—available to members nationwide. United Healthcare’s “Choice” Plan utilizes all in-network providers, while the “Choice Plus” plan allows members to go to doctors outside the network if necessary. The plan offers fixed copays and access to the network of services known as United Healthcare Care Coordination Services.

United Healthcare PPO

United Healthcare’s PPO plans are similar to the HMOs but offer more options for out-of-network services. Costs for PPO plans are a bit higher than for HMOs, but as they offer a great range of choice, many people prefer them. United Healthcare’s PPOs also offer more options when it comes to treatments, and are more likely to approve various tests and procedures for at least partial payment than the HMO options, which tend to be fairly strict about approval for treatments.

United Healthcare also offers two consumer-driven plan options, which rely on the consumer to make choices regarding healthcare treatments and to set aside money to pay for part of their own treatment. A consumer-driven plan is one of the best ways for a small company to provide healthcare options for its employees without a large outlay of funds. United Healthcare offers HSAs (Health Savings Accounts) and HRAs (Health Reimbursement Accounts) as part of its consumer-driven plans.

United Healthcare and Medicare

United Healthcare also has Medicare options for supplements and Medicare HMO plans, as well as Part D prescription drug plans and special needs plans. United Healthcare offers initial Medicare plans, changeover plans, and plans designed to supplement retirement healthcare options. United Healthcare has also been given authority to administer Medicaid plans in some states, and can coordinate Medicaid and Medicare benefits if you are eligible for both.

United Healthcare Customer Service Review

Reviews on United Healthcare’s customer service have been mixed. In one survey conducted in 2007 by “Business Insurance,” an industry publication, United Healthcare was named the “Reader’s Choice” for “Best Managed-Care Organization.” On the other hand, a 2008 non-industry survey showed that fully 91% of United Healthcare’s customers were dissatisfied with the company’s service, the worst rating of any company on the survey. Other customer satisfaction surveys have indicated a level of customer approval somewhere between these two extremes. As United Healthcare is a large company and serves millions of customers, it is highly likely that the nature of the survey, and the groups polled, has a great influence on the total approval rating for the company.

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