UnitedHealthcare Health Insurance Review

Rating: 9.6 / 10 (Excellent)
3 Customer Reviews - see all reviews
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UnitedHealthcare provides wellness coverage for short-term health insurance, employees, families and individuals. Its health insurance plans includes coverage for dental, life, vision and disability. UnitedHealthcare offers 4 major types of plans; bronze, silver, gold and platinum. Covered services include laboratory, prescription drugs, hospitalization and medical services in  general.  

What’s Included with United Health Care?

  • Rehabilitative and habilitative devices and services
  • Pediatric Services that includes vision and oral care
  • Laboratory services
  • Prescription drugs
  • Preventive and wellness services and chronic disease management
  • Ambulatory patient services
  • Hospitalization
  • Maternity and newborn care
  • Emergency services
  • Mental health and substance use disorder services including health treatment

Types of Health Insurance Plans

Businesses and Organizations


Individuals and Families


Short-Term Health Insurance


Other Insurance Plans Offered:

  • Vision Insurance
  • Critical Illness Insurance
  • International Travel Medical Insurance
  • Dental Insurance
  • Disability Income Insurance

Plans Reviewed

Bronze Insurance Plan

UnitedHealthcare’s Bronze Plan offers the most affordable monthly premium but has the highest out-of-pocket costs for health care services. It covers 60% of health care expenses while the remaining 40% is divided to be paid by the beneficiary as a co-payment, co-insurance, or deductible.

Silver Insurance Plan

The company has created Silver Plan which covers 70% of health care expenses while gives consumers a remaining 30% that is considered to be out-of-pocket expenses. Compared to their Bronze Plan, it has lower out-of-pocket costs and monthly premium rates.

Gold Insurance Plan

Gold Plan pays a total of 80% of health care expenses that are covered by UnitedHeathcare. Consumers pay the remaining 20% in the form of co-insurance, co-payment, and deductible. It provides a wider range of medical services which let policyholders have higher monthly premium in return for a lower out-of-pocket expenses.

Platinum Insurance Plan

Platinum Plan has the highest monthly premium among the company’s insurance plans. It covers 90% of health care expenses while gives policyholders a 10% remaining balance to pay as a deductible, co-payment, or co-insurance.

*UnitedHealthcare requires clients to pay a co-insurance or co-payment for the services they cover. In case a specific service is not covered by the company, customers are obliged to pay for all the expenses associated in it.

How Much Does It Save You?


60% of covered health care expenses


70% of covered health care expenses


80% of covered health care expenses


90% of covered health care expenses 


UnitedHealthcare offers an easy to understand health insurance plans that comes with its own unique coverage and benefit limits. It offers an extensive list of covered services and treatments which protects you against costly medical expenses.



Top Rated
9.7 / 10
  • Plans starting at $104 per month
  • Over 180 carriers to choose from
  • Interim Coverage for $0.59 a day
  • A- BBB Accredited
  • Featured on CNN, Wall Street Journal, The New York Times, and Kiplinger’s
  • Partnered with health insurance providers including Anthem, Kaiser Permanente, and Cigna

Latest UnitedHealthcare Reviews

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Vivian M
Buena Park, California

It is a horrible insurance. They deny everything without even looking at your records. I was given a choice between UHC and Kaiser a few months ago when I retired. It looks like I am going to have to go to Kaiser after all.

Pleasant Grove, Utah

Worst insurance company ever. I called an asked if a hospital was in network for my wife to deliver her baby in. They told me yes they are network. Well my wife had her baby there and we get the bill for over 7,000$ and they said that hospital was out of network. I called multiple times to get it corrected and they still have not adjusted it. This was just the biggest problem I have had with them their are others too. Do not get them.

Merchantville, New Jersey

in October ( enrollment period ) I was given a quote for a medicare rx plan and the representative I spoke to gave me a co pay price for the prescription I had and I signed up for the policy, now I am told by united health care that my prescription is not covered period and I am stuck paying for this coverage that does not help me due to misrepresentation or fraud, call it what you want. Be very careful when getting quote from AARP/Medicarerx plans

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