United Healthcare is an operating division of UnitedHealth Group, the largest
single health carrier in the United States insuring 70 million Americans.
United Healthcare's nationwide network includes 626,000 doctors, 80,000
dentists and 5,035 hospitals and United Healthcare's management programs provide
more affordable access to drugs for 13 million people.
Below are reviews of United Healthcare health insurance. If you have questions
about the differences between policies or what United Healthcare 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 Healthcare Insurance review from
Pennsylvania:
My family is insured with United Healthcare in Pennsylvania. Actually, I believe
my husband's employer self-funds that plan and UnitedHealthcare administers it.
The plan covers employees in at least 25-30 states. We chose this option,
because when we were self employed we had UnitedHealthOne through Golden Rule
and they provided good coverage for us. So we stuck with UnitedHealthcare who’s
a sister or parent company.
Plan Specifics:
Our plan is a PPO, which offers increased benefits if you use a physician or
provider that is part of the preferred provider network. We're very happy with
the providers on the list, although one major hospital in our area pulled out of
the plan last year, but now we live in Philadelphia and it seems every hospital
takes our insurance. One of our doctors was affiliated with that hospital, so
that was a definite drawback for us.
Copays and Deductibles:
Our office visit copay is $15 for primary care providers (family doctors,
pediatricians) and $25 for specialists. Until very recently the office visit
copay was $10 for any kind of provider, which I realize is practically unheard
of anymore. These copays only apply to visits with in network providers.
We've opted for a high, $5000, deducible per family member. This keeps our
premium costs lower than they otherwise would be. Since we're relatively healthy
and have great office visit copays, this has worked out for us so far. We pay
10% in coinsurance once the deductible has been satisfied. The out of pocket
maximum for our family is $10,000 per year, although we've never come close to
meeting it.
Our plan has a separate, emergency room deductible of $75 if it is an in network
hospital. After the $75 deductible we pay 10% of the costs. The deductible is
waived if we would end up being admitted to the hospital as a result of the
emergency room visit. For out of network hospitals, our plan deductible of $5000
applies and we pay 10% after the deductible, assuming the visit was a true
emergency. If not, we would be required to pay 30% in coinsurance after the
deductible.
Lifetime Maximum Benefits:
We have unlimited lifetime benefits as long as we stay within the preferred
provider network. If we choose to go out of network, we have a lifetime maximum
of $2,000,000.
Preventative Care Benefits:
Preventative care under our plan has its own set of benefits and is determined
by the age of the family member being treated. For any family member,
preventative care visits are covered by the $15 office visit copays. Children
under age 3 are limited to $500 per calendar year. Family members over age 3
receive one preventative care visit per year. Immunizations are included with
the preventative care visits. For children under age 3, immunizations are not
subject to a maximum. For children and other family members over age 3 they are
subject to the $500 annual maximum mentioned above. All of this is for in
network providers. Annual physicals and immunizations are not covered if
performed by an out of network provider.
Routine mammograms, pap smears, and PSA testing, and occult blood screening are
covered as above until the $500 annual maximum has been met. At that point the
expenses are subject to our plan deductible of $5000 and 10% coinsurance.
Prescription Drug Benefits:
We have two options for having prescription drugs filled: in the pharmacy or by
mail service. When having prescriptions filled in the pharmacy, we pay $15, $30,
or $45, depending on the drug. This is for a 31 day supply. When mailing in
prescriptions to be filled, we pay $37.50, $75, or $112.50 for a 90 day supply,
again depending on the drug.
Other Benefits:
We do not have dental insurance with our plan and the only vision coverage we
have is one exam each year, for which we pay the $15 office visit copay. Human
organ and tissue transplants are covered with $15 office visit copays, and our
standard plan deductible and coinsurance. This is only at a United Resource
Network facility. This is no coverage at other facilities. Home health expenses
are covered under our $5000 deductible and 10% coinsurance with a 180 day
maximum per year and a 16 hour maximum per day. Hospice and bereavement
counseling are covered at 90% after we have met our deductible.
Overall this plan is really good. The deductible is a little high, but the
coverage were getting is quality coverage. And flexible. I hope we can keep our
United Healthcare in the coming years or go back on UnitedHealthOne. I had Blue
Cross Blue Shield before and I don’t want coverage like that again.
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insurance specialist who can answer any questions you may have about United
Healthcare or any other question about health insurance.
