United Healthcare has long been a carrier offering affordable health insurance rates across the country. They offer individual and family policies through their subsidiaries Golden Rule and Pacificare.
Group coverage is offered through United Healthcare and collectively they are all now known as United HealthOne. UHC is most popular because of their low prices and large network the country.
Recently UHC added several new benefit options to their individual and family plans including preventive care, dental & vision coverage, term life, accident coverage, wellness visits, as well as additional deductible and coinsurance choices.
Consumers who wish to purchase comprehensive health insurance coverage should consider the Gold and Silver Plan. And those who want more basic coverage might consider a Bronze plan.
health savings account qualified plans offering preventive care that will cover medical expenses at 100% after the deductible has been met are still offered as well. Dental and vision insurance can be offered to any of the above.
Consumers who want catastrophic, lower premium health insurance plans will find an abundant selection with UHC. The HSA 80, Plan 80, Saver 80, and the Copay Saver all offer comprehensive medical coverage at an affordable price.
These types of plans will offer higher deductibles as well as 20% coinsurance (usually up to $10,000) after the deductible has been met. No frills coverage like this may not offer much in the way of first dollar benefits like prescription drug coverage and doctor’s office co-pays, but the trade off is low cost insurance that will cover larger medical claims.
All plans with UHC offer several riders that can be purchased at an additional cost. Riders include lower office copay amounts, supplemental accident coverage, term life insurance, increased prescription drug coverage, and many states offer four dental plans as well as one vision plan to choose from.
UHC polices are competitive in many age groups including individual and family policies. Clients enjoy their large nationwide network and affordable rates.
There is no longer any underwriting for health insurance plans as part of the Affordable Care Act.
Oftentimes this means consumers can purchase health insurance with riders through United Healthcare when they have been declined elsewhere. However, with the advent of health care reform children with preexisting conditions cannot be turned down for coverage, but they can be rated up significantly. This translates to higher monthly premiums.
In summary, United Healthcare offers several plans with different coinsurance and deductible options for prospective insureds. Affordability, network strength, and underwriting options are their most attractive features. As with all insurance, it is important to read the brochure and/or policy provisions for possible exclusions.
Click on the UHC logo above to view direct quotes today!