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Insurance and Healthcare Consultant

Tammy Burns is an experienced health insurance advisor. She is ACA-certified for health insurance and other ancillary, life, and annuity product.

Is UnitedHealthcare good health insurance? UnitedHealthcare offers numerous coverage options and rates well for customer service and financial stability.

Overall rating: 4.7

UnitedHealthcare is the largest health insurance company in the nation. Founded in 1977, this insurer sells policies in all states except New York. Among its policies are options for short-term health insurance, individual and family coverage, Medicare, vision, and dental insurance.

UnitedHealthcare Logo

UnitedHealthcare Health Insurance Overview
Company founded 1977
Coverage area 49 states (excluding New York)
A.M. Best rating A-
BBB rating A+
NCQA accreditation Yes
NCQA rating 4.5 to 2.5
Plans available
  • Dental
  • Employer-based coverage
  • Family
  • Individual
  • Medicaid
  • Medicare
  • Self-employed
  • Short-term
  • Student
  • Supplemental (accidental, critical illness, hospitalization, indemnity, international travel)
  • Vision
Provider network
  • 1.3 million physicians and care professionals
  • 6,500 hospitals and care facilities nationwide

Is UnitedHealthcare a Good Health Insurance Provider?

What we like about UnitedHealthcare health insurance plans: The drawbacks of UnitedHealthcare health insurance plans:
  • Large provider network
  • Bundle discounts
  • Low application fees
  • All plans offered are EPOs
  • No platinum-tier plans available

What Do UnitedHealthcare Health Insurance Plans Cover?

  • Dental
  • Employer-based coverage
  • Family
  • Individual
  • Medicaid
  • Medicare
  • Self-employed
  • Short-term
  • Student
  • Supplemental (accidental, critical illness, hospitalization, indemnity, international travel)
  • Vision

UnitedHealthcare Health Insurance Plan Options

UnitedHealthcare has multiple plans across three metal tiers, letting you choose a plan with coverage that fits your needs. All of these plans are Exclusive Provider Organization plans. With an EPO, covered services are provided when you go to doctors, specialists, and hospitals in your plan’s network. Monthly premiums vary from $368 to $658, and most plans have maximum out-of-pocket limits of $8,500.

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Compare some of UnitedHealthcare’s top health insurance plan options:

UnitedHealthcare Health Insurance Plan Options
Plan name  Monthly premium Annual deductible Office visits Annual maximum out-of-pocket cost
Balance Bronze 3 Free Visits $367.99 $7,500 per individual

$15,000 per family

Primary doctor: 50% coinsurance after deductible

Specialist: 50% copay after deductible

$8,550 per individual

$15,000 per family

Value Bronze Saver (HSA) $380.13 $5,900 per individual

$11,800 per family

Primary doctor: 30% coinsurance after deductible

Specialist: 30% copay after deductible

$7,000 per individual

$14,000 per family

Value Silver 3 Free Visits $490.90 $5,500 per individual

$11,000 per family

Primary doctor: 35% coinsurance after deductible

Specialist: 35% copay after deductible

$8,550 per individual

$17,100 per family

Balance Plus Silver 3 Free Visits $493.47 $4,500 per individual

$9,000 per family

Primary doctor: $40 copay

Specialist: 50% coinsurance

$8,500 per individual

$17,100 per family

Value Gold $658.33 $2,350 per individual

$4,700 per family

Primary doctor: $20 copay

Specialist: $65 copay

$8,500 per individual

$17,100 per family

*Based on pricing for a nonsmoking 35-year-old female in Nashville, TN

How Is UnitedHealthcare Rated?

Trusted ratings and reviews can help you understand how an insurer’s plans stack up against the competition. See our UnitedHealthcare review.

Overall rating: 4.7
Financial strength rating: 4 Customer satisfaction rating: 4.8 Value rating: 4.8 Coverage rating: 4.8

 Financial strength: 4.5/5 stars

UnitedHealthcare’s financial strength rating indicates how well it can fulfill its financial obligations to its policyholders.  A.M. Best rates UnitedHealthcare’s coverage in each state individually, but no state earned less than an A-. Several ranked in the A+ category.

Customer satisfaction: 4.8/5 stars

UnitedHealthcare’s customer satisfaction rating is based on Better Business Bureau, National Committee for Quality Assurance, and Consumer Affairs ratings.

UnitedHealthcare has an A+ rating on BBB, indicating that it effectively resolves customer issues with their plans. In the last three years, 893 customer complaints have been closed.

UnitedHealthcare’s health insurance plans generally perform well, according to data gathered by the NCQA. Several plans are recognized as high-performing, and even those with the lowest scores are categorized as moderate-performing.

Consumer Affairs gives UnitedHealthcare a rating of 3.9 out of 5 stars. This rating is based on approximately 2,800 reviews.

Value: 4.8/5 stars

UnitedHealthcare’s value rating is based on how much its plans cost compared against plans from other insurance companies. Factors influencing this rating include the monthly premium, coinsurance, copayments, annual deductibles, and out-of-pocket maximums.

Coverage: 4.8/5 stars

UnitedHealthcare’s coverage rating reflects the types of coverage it provides. That includes options for individuals and families, older adults, individuals with limited incomes, and university students. The rating is also based on how many plan types are available and how easy it is to find an in-network health care provider.

Sources