Unitedhealthcare Community Plan for Low Income - Reviews
Individual health insurance policies through UnitedHealthcare (UHC) are more expensive than average; however, plans will most often come up with added benefits and admission to wellness programs. Additionally, many customers have rated UHC well due to its supportive customer service department and smartphone app that can provide in-depth health assay. UHC is the largest health insurance visitor by total policyholders. This is exemplified by the large suite of products that the provider offers, including health, dental, vision and disability.
- UnitedHealthcare plans and options
- Member resource and benefits
- Client reviews and complaints
Plans and options
UnitedHealthcare offers a variety of products, including:
Although these are all offered by UHC, non every programme may be available in the country that yous live in. Furthermore, some policies may have different details and costs when compared land by state. Therefore, nosotros suggest carefully reviewing a policy that is specific to your state before deciding to purchase it.
Individual health insurance
Individual health insurance plans are available through UnitedHealthcare and can be bought on your state health insurance marketplace if y'all currently do non receive health intendance through an employer or Medicaid. UnitedHealthcare offers five dissimilar tiers of coverage:
- Catastrophic
- Statuary
- Silver
- Aureate
- Platinum
Since these policies are only offered on health insurance marketplaces, you tin only buy a UnitedHealthcare individual plan during open enrollment or if you lot have a special enrollment period (SEP) exception.
Notice Cheap Health Insurance in Your Expanse
As you can see in the graph above, UHC private wellness insurance plans are not a cheap health insurance choice when compared to plans offered by some competitors. For instance, the average individual premium for Fidelis Care in New York is $568 per calendar month, which is close to 47% cheaper than the average of $ane,078 for UnitedHealthcare.
Price is an of import aspect to consider when choosing your health insurance policy. Yet, you should also look at the additional benefits that each health insurance provider offers. For example, UnitedHealthcare gives policyholders admission to wellness programs, which we evaluate in more than depth in this review.
Below you lot will find a breakdown of each plan tier. The main differences between these plans are typically the monthly premium, deductible and out-of-pocket maximum (OOPM). However, depending on what state you lot live in, the specific details of the policy may differ, such equally copays and coinsurance amounts.
(For the purpose of this review, all policy details in the table are for plans establish on the New York state health insurance market place. All premiums for policies are a monthly toll.)
| Plan name | Boilerplate individual premium | Deductible | Out-of-pocket maximum |
|---|---|---|---|
| UHC Compass Catastrophic | $483 | $eight,150 | $8,150 |
| UHC Compass Bronze | $849 | $iv,425 | $8,150 |
| UHC Compass Silver | $1,057 | $ane,300 | $7,900 |
| UHC Compass Gold | $1,329 | $600 | $4,000 |
| UHC Compass Platinum | $i,618 | $0 | $2,000 |
UHC Medicare Advantage
Medicare Advantage policies are offered past UnitedHealthcare through AARP. This ways that although UHC is offer the policy, the Medicare Advantage plan is actually existence underwritten past AARP. Some Medicare policies y'all can purchase include:
Although these are all policies offered by UHC, they may not all be available in your state since individual state regulations will vary.
Brusk-term wellness insurance
UnitedHealthcare curt-term wellness insurance policies are cheaper than individual health insurance merely provide the bare minimum in benefits. Furthermore, dissimilar individual plans, a short-term policy tin can exist purchased outside of open enrollment, significant information technology can be bought throughout the yr.
UHC offers three different tiers of brusk-term health insurance policies: Value, Value Copay and Plus.
The primary difference between these tiers will involve the premium, coinsurance and cost of a md visit. For example, the most expensive program — Plus — provides the best after-deductible coinsurance of 20%. A short-term wellness insurance policy may be helpful if you are good for you and demand minimum coverage, but this is a policy that should not be purchased if you have a family unit.
Business health insurance
Small-business health insurance and employer plans are offered past UnitedHealthcare for groups that accept anywhere from two to over v,000 employees. These are unremarkably comprehensive plans, meaning that medical, dental, health, inability and life could all be provided to employees of a visitor. Withal, UnitedHealthcare also lets business owners pick and choose which policies they might want to offer employees.
For example, a pocket-sized-business owner could cull to offering a health and dental programme through UHC just get their disability policy through a different provider.
Fellow member resources and benefits
UnitedHealthcare differentiates its coverage past providing extra benefits and unique rewards, encouraging its customers to be salubrious and allowing access to the UHC mobile app.
UHC programs
UHC Baby Blocks is a program that rewards members for going to the dr. with their baby. Pregnant mothers and infants upwards to 15 months old tin can be enrolled by just confirming their membership and answering some uncomplicated wellness questions. Some typical rewards that enrollees tin receive for participating include gift cards, baby gear, toys, books or child safety items.
Another programme UHC members can admission is myEasyBook, which offers policyholders the ability to set a md's appointment 24/7.
UHC mobile app
The UnitedHealthcare app is a feature that the health insurance provider allows its members to download. Some of the features offered on this smartphone app include:
- Observe in-network care options in your area
- Talk to a doc past video
- Run across doctor reviews and ratings
- View your health plan ID card
- Manage prescriptions
- View claims and account balances
- View copays, annual deductibles and out-of-pocket expenses
- Estimate procedure costs
Customer reviews and complaints
Client reviews for UnitedHealthcare are slightly higher up average when compared with other wellness insurance companies. Many members praise the company's tech support and customer service as beingness like shooting fish in a barrel to piece of work with and providing enough information when they have questions. This is all exemplified past the company's National Association of Insurance Commissioners (NAIC) complaint ratio of 0.04 — meaning the company has received significantly less than the average number of complaints given its size.
Finally, UnitedHealthcare received an AM Best rating of A (excellent). This means that the company is stiff financially and has the power to pay out claims in the hereafter.
Source: https://www.valuepenguin.com/united-healthcare-health-insurance-review
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