UnitedHealthcare Health Insurance

UnitedHealthcare Health Insurance : Bringing Affordable Health Care to Those Who Deserve

United Health Care

About United Healthcare

UnitedHealth Group is America’s managed health insurance provider based in Minnetonka, Minnesota. The company provides health care products and insurance services. In terms of revenue, United Health Group is listed as the largest healthcare company in the world with 2018 revenue of $226.2 billion and 115 million customers.

The company provides managed health care services and products through UnitedHealthcare and Optum. UnitedHealth Group was floated in United States in 1977 as UnitedHealth Care Corporation. Two years after launch, the company had introduced its first network-based health plan for people aged 60+. In 1984, the corporation got the nod to become a public traded company in 1984. In year 2010, UnitedHealth Group won Readers Choice award for Best Health plan provider.

United Healthcare

United Healthcare is a part of the UnitedHealth Group, which is the largest health insurer in the U.S. UHC offers health insurance plans that meet ACA’s essential care requirements. The health insurer offers a great choice of plans ranging from HMO, PPO, HSA, to FSA plans. The company has a large preferred provider network of over 1.3 million physicians and other health care professionals. Besides these plans, the insurer also offers Medicare Advantage HMO and PPO plans. Individual and family health plans offered by UHC are more expensive but these plans come with added benefits and access to wellness programs. UHC is the largest health insurance carrier in terms of total policyholders and has obtained an “A” financial rating from A.M. Best.

Plans and options

United Healthcare offers a variety of health insurance products including:

  • Individual health insurance
  • Medicaid
  • Medicare and Medicare Advantage
  • Short-term health insurance
  • Small-business health insurance
  • Dental

Although all these types of health plans offered by UHC may not be available in each and every state. Furthermore, some health plans may have different benefits and costs when compared to the state by state. Therefore, people should carefully review a plan that is specific to their state before purchasing it.

Breakdown of Each Metal-tier of Plan

Unite Healthcare offers health plans in all the metal-categories, and the plans in all these metal-tiers differ in terms of the monthly premium, deductible, and out-of-pocket maximums. The co-insurance and copays amount of these plans also vary from state to state. Find below the breakdown of all the metal-tiers of health plan offered by United Healthcare found on the New York state health insurance marketplace.

Plan name Average Premium for Individual Deductible Amount Out-of-pocket Maximum  
UHC Compass Catastrophic $483.00 $8,150.00 $8,150.00 call an expert
UHC Compass Bronze $849.00 $4,425.00 $8,150.00 call an expert
UHC Compass Silver $1,057.00 $1,300.00 $7,900.00 call an expert
UHC Compass Gold $1,329.00 $600.00 $4,000.00 call an expert
UHC Compass Platinum $1,618.00 $0.00 $2,000.00 call an expert


The company operates through four of its core divisions in order to offer world class health care services to every health insurance seeker.

1: UnitedHealthcare Employer and Individual:

The division provides health insurance plans, coverage and benefits for large national employers in the country. The division provides its product range through affiliates that are verified and licensed as insurance companies, health maintenance organizations (HMOs) or third-party administrators (TPAs).

2: UnitedHealthcare Medicare and Retirement

As the name goes, this UHC’s arm is aimed at offering health and well-being services to individuals age 50 and older. The division is established to provide healthcare coverage for preventive and acute healthcare services for older individuals. United Healthcare Medicare & Retirement plans provide beneficiaries with both Medicare Supplement and Medicare Part D prescription drug programs that supplement their government-sponsored Medicare.

3: UnitedHealthcare Community and State

The division takes care of state run health insurance programs for the economically disadvantaged, the medically underserved and people without the benefit of employer-funded health care coverage. The division takes care of Medicaid plans, Children’s Health Insurance Programs (CHIP), SNPs, integrated Medicare-Medicaid plans (MMP), and other federal, state and community healthcare programs.

4: UnitedHealthcare Global

The division provides over 6.2 million people with medical benefits in more than 130 other countries. It operates in international markets to provide health benefits, care management and care delivery for multinational employers, governments and individuals around the world.

5. Optum:

UnitedHealth Group is also involved in information and technology-enabled health services business through Optum, Company’s technology focused (health care coverage provisioning, software, and data consultancy services) arm. Optum technology deals with patient care, improve affordability of medical care, analyze cost trends, manage pharmacy benefits, and coordinating with care providers. Optum runs the following divisions:

5.1: OptumInsight

This Optum’s segment aims to leverage data and analytics, technology, and information in order to help major participants in the health care industry.

5.2: OptumRx

OptumRx deals and operates and manages company’s pharmacy services.

5.3: OptumHealth:

The OptumHealth segment of Unite Health Group offers provides managed health services to payers, care providers, employers, government, life sciences companies, and consumers.

Managed Care Service Portfolio:

Since its inception, United Healthcare has been helping people globally to live healthier lives. The managed health services and products offered by the company make healthcare more affordable and easier for the people. UHG operates with a vision to improve the quality and effectiveness of health care and make it easy for all Americans access health benefits. Following are the range of services the company offers:

  • Employer Sponsored Coverage
  • Coverage for Medicare and Medicaid Recipients
  • Coverage written on Oxford Licenses
  • Individual Plans
  • Dental
  • Transplant Care Management
  • UnitedHealthcare Employer & Individual health programs excluding the Government Entity
  • Health programs for Medicare recipients and group retirees
  • Health programs for regional assistance for Community and State
  • Health programs under a Tri-Care contract for Military and Veterans

Major Health Insurance Plans:

Following are the major health insurance plans offered by United Health Care Corporation:

UnitedHealthcare Select:

It’s an Exclusive Provider Organization (EPO) with no coverage for out-of-network provider.

UnitedHealthcare Select Plus: –

It’s a preferred provider organization (PPO)

UnitedHealthcare Choice:-

The plan acts as a HMO plan with access to specialists

UnitedHealthcare Navigate, Charter, and Compass: –

The plan requires a primary care physician referral to see a specialist

Unique Offerings:

In order to its managed health care products, services and other offerings, the company provides some very innovative tools as well. These tools help beneficiaries access and utilize its services more effortlessly.


This is an online resource made available by United Health Group especially for women on myuhc.com. This is the place where they can discover information and tools for health, fitness, nutrition and more.

MyHealthcare Cost Estimator:

The platform enables consumers to compare and shop for health care services at one place. Estimates are calculated on the basis of actual contracted rates and are available for health care professionals and hospitals.

MyClaims Manager: The tool is available on myuhc.com® to easily search for tracking claims, premiums and much more.


FAQ on United Healthcare Health Insurance

UHC is a subsidiary of UnitedHealth Group, which is the largest health insurer in the U.S. The health insurer has an excellent financial rating from A.M. Best and has a network of PPOs across the nation. A real standout feature of this insurance carrier is that customers of this insurer enjoy access to online care, as of right from ordering prescription online to speaking with healthcare professionals via a hotline to participating in online wellness programs, members can even find doctors, set appointments, file claims and speak with a doctor online 24/7 through a mobile device. Thus, this carrier is a great choice for people who wish to manage their healthcare electronically.
United Healthcare offers different types of health insurance plans providing coverage for a wide range of health conditions and illnesses like diabetes, cancer, critical illness, heart attack, paralysis, coma, renal failure, dental, vision, accident, and disability. Individuals need to know that not every health plan provides coverage for all the health conditions, as the coverage generally depends upon the plan selected and the county in which the individual lives. Individuals need to carefully select a plan whose coverage best suits to their healthcare needs.
United Healthcare offers different types of health plans to meet the healthcare needs and budget of a great number of individuals. The insurer offers health plans right for individuals who are just coming off of their parents’ insurance plans, to individuals who are between jobs, to Medicare and Medicaid plans, to health plans for small businesses and self-employed people. There are a variety of health plans offered by the company to suit people’s lifestyle and budget.
Insured in case of an urgent, non-routine situation, or if they have paid for emergency care received outside the United Healthcare’s network, then the insured are required to send an itemized bill along with the below-given details:
  • The date on which the healthcare service availed
  • Description of the type of service obtained
  • Procedure and Diagnosis codes for the obtained services
  • Name, address, and tax ID number of the healthcare provider
  • Insured then need to simply mail their claim to the address given on the other side of their benefits card. Insured need to provide their name, member ID, and a phone number on which they can be reached.

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