United Health One is a proud member of the UnitedHealth Group family. With
over 60 years of service, United Health One is a superior health insurance
company serving markets across the country. Today, under the
UnitedHealthOne brand, Golden Rule and its affiliated companies offer health
plans to individuals and families who purchase their own coverage in 40 states
and the District of Columbia.
Below are reviews of United Healthcare health insurance. If you have questions
about the differences between policies or what United Health One policies are
available in your state, you can call toll free
1-877-698-6645 to speak with a health
insurance specialist who will be able to answer any questions you may have.
United Health One Colorado Review:
My wife and I look at 5 or 6 different options
for Colorado medical insurance. We finally choose United Health One PPO for a
number of reasons. One thing to note is that this plan is neither the cheapest
nor the most expensive. We have been using UHC for over a year and the coverage
has been great. There have been very few problems, and we have not been turned
down for any procedure or medication with only one exception. This was very odd but
its how insurance works. We are unable to get Nexium under our plan; however
there are many suitable alternatives, even a few generics that are covered so
this was not a big issue.
Upon review of all the plans available to us we
decided this provided the best coverage for the money, and the co pays are
almost identical with all the plans. We basically pay $35 for regular office
visits, same for specialists and $100 for ER visits. The United Healthcare
insurance that we have comes with a $1500 deductible and covers most
prescription costs. We pay $15 for generics and $35 or a percentage of the cost
for any name brands. At this time we have not paid any more than $50 for a
prescription. They work with most doctors in the Colorado Springs area, and
include St. Francis Hospital, and offer decent out of network coverage if
needed. In comparison with the other plans offered they were an easy choice for
us.
The cost of United Health One coverage is reasonably priced especially since we
get some money through my employer at a cost of about $250 a month for my wife
and me, it's a great plan. Many months we are able to save that much money with
the prescription benefits alone! We also see a number of specialists for
unidentified pain issues so we have had multiple MRI’s done along with other
testing, and specialist visits, yet we have not been turned down for anything.
We also use the preventive benefit which provides us with great coverage at a co
pay of $35.
Overall we are very happy with the coverage we are getting through United and
hope to continue with this plan next year. Knowing the costs like deductibles,
co pays, and medication benefits is really helpful when planning monthly budgets
and each time I call them with a question they are quick to answer and very
friendly on the phone. We can also access our plan details on the internet along
with other options such as mental health benefits and more. This is a great
insurance company to work with if you have a choice I would recommend looking
into them. I do not know if they provide dental or vision insurance, as our
family goes through someone else for those.
United Health One Michigan Health Insurance
Review:
If all I did was listen to the news, I would
have to assume our family is the only family in America with good, comprehensive
healthcare! I do concede that we are fortunate but I also believe Americans need
to look at what coverage they DO have and be savvy consumers.
Our family lives in Michigan and has coverage that my husband bought from Golden
Rule, who is known as UnitedHealthOne. We have a plan called the HSA 100. We
have happily found that nearly every doctor, lab, hospital and imaging center in
Grand Rapids accepts this coverage. We use St. Mary’s and Spectrum Health
Hospitals. There are provider concessions in the form of discounted costs
so it really pays to be sure your doctor is a member of their approved provider
list. The providers get paid sooner since they have already agreed to the
company's pay schedules and our family stays in good financial standing with our
doctors because they are getting paid reliably.
Another huge benefit we have opted to participate in is a "Health Savings
Account". With deductibles going up every year, we are able to insure our
ability to pay our portion without having to come up with cash on the spot. It
works very simply - our annual deductible for our family of four is $300.00. We
have a regular monthly amount taken out of my checking account. This money gets
written off the top of our TAXES! We are able to access that entire amount of
money we put in whenever we want. It is always our money and rolls over every
year. Kind of like a 401K for our medical costs. This works well for us because
it reduces our taxable income and gives us peace of mind if any healthcare is
needed. We simply visit our doctor as needed, our doctor bills our insurance,
the insurance pays the doctor directly and we receive a check that covers our
portion of the bill. There is only a short period of time to wait for the
payouts and we don't have any delinquent bills with our doctor. Our HSA can be
used for medical, dental and/or vision care. We can also use our HSA for
prescription drugs. This is a big help for our family because we have some
chronic illnesses we are dealing with. Here's a tip - since we have our HSA
account as a stand alone checking account, it doesn’t matter if our joint
checking account is low on funds. With a dedicated HSA account we always have
money to pay for our medical and dental bills, we can always be sure our
providers are paid right on time.
We are also fortunate to have dental and vision coverage through UnitedHealthOne
also. We chose UHO dental coverage and we had the additional choice of basic or
enhanced coverage. Our choice of enhanced coverage allows all of us to have
cleanings and x-rays twice a year at no charge and allows $1000.00 worth of
coverage for each of our family members. Our vision coverage allows annual eye
exams and new frames/ lenses every other year.
We are grateful for good coverage and good resources to help us afford it.
Insert your review here:
If you have a review of United Health One that you would
like to submit to be published on our website, please send it to use at
reviews@HealthInsuranceReviews.com. United HealthOne health insurance reviews will be
posted as they are submitted.
For any questions about United Health One insurance plans, deductibles, co-pay, or any
other health insurance related questions, please email us at
info@HealthInsuranceReviews.com.
Or you can call us toll free at
1-877-698-6645 to speak with a health
insurance specialist who can answer any questions you may have about United
HealthOne or any other question about health insurance.
