Which health insurance company is the best option for you and your family? Compare HCSC and UnitedHealthcare side by side.
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HCSC serves over 15 million members with a variety of group and individual health care plans, services and life insurance products. As a pioneer in many states, HSBC was the first to do many things. In Illinois, HCSC was the first to provide coverage for bone marrow transplants, heart transplants and to provide group health insurance to rural and small communities as well as the first CareVan as a mobile immunization program. In Texas, they were the first to provide coverage for cancer treatment, catastrophic diseases like polio, leukemia and diptheria, and they provided healthcare starting at birth. They also provided coverage to migrant farm workers in Texas. In New Mexico, HCSC was the first to offer PPO coverage, point-of-service coverage, electronics claims exchange with providers, customer service for large group accounts and in-hospital medical coverage on a per visit basis. In Oklahoma, HCSC was the first to create a mobile health screening unit and free screenings for vision, hearing, glaucoma, blood and blood pressure.
UnitedHealth Group was founded in 1977 by Richard Burke and went public in 1984. It was Dr. Paul Ellwood, who coined the term “health maintenance organization,” and who helped Burke start up UnitedHealth. In 1979, the company created the first network senior health plan.
To learn more about each company, you can check out the HCSC Overview and UnitedHealthcare Overview.
Which health insurance company is better? We've made it easy to compare companies side by side. See how HCSC and UnitedHealthcare ranked among the industry ratings.
|Medicare Star Rating||3 stars (out of 5)||4.5 stars (out of 5)|
|NAIC Complaint Index||0.40% for individual health|
Each state has its own HCSC / Blue Cross Blue Shield app on iTunes and GooglePlay. The app allows users to find doctors, hospitals, and pharmacies, view claims, pay bill, and manage prescriptions.
The Health4Me app from UnitedHealthcare allows you to look for doctors and review your coverage and benefits.
|HCSC Mobile App|
|HCSC mobile app varies by State|
|UnitedHealthcare Mobile App|
HCSC offers plans through the health insurance marketplace. You can begin searching plans here or you can get several free health insurance quotes.
Each state has its own marketplace. If you’re not sure where to begin, visit Healthcare.gov. Remember that HCSC only operates in 5 states: Illinois, Montana, New Mexico, Oklahoma, and Texas.
UnitedHealth Group offers plans through the health insurance marketplace. You can begin searching for plans here.
Each state has its own marketplace. If you’re not sure where to begin, visit https://www.healthcare.gov/.
To submit electronic claims, you or your billing agent need to use a third-party claims clearinghouse vendor, like Availity. For paper claims, you need to complete the right claim forms.
UnitedHealth Group pays network providers directly but if you are billed by a provider, you can contact UnitedHealth Group at 1 (800) 328-5979. If you are filing a claim for an out-of-network provider for an emergency or because you were referred to the provider by UnitedHealth Group you must submit the following information
The above information should be sent to: UnitedHealthcare P.O. Box 740800 Atlanta, GA 30374-0800
If filing a claim for Outpatient Prescription Drug Benefits, your claims should be submitted to: Optum Rx P.O. Box 29077 Hot Springs, AR 71903
HCSC covers asthma and has invested heavily in asthma awareness in connection with the American Lung Association.
The HCSC Care Van® strives to prevent disease across the 5 states it covers using mobile health vans to serve underserved communities with preventive services and screenings for adults and children.
You can choose to receive all your Medicare benefits through a private insurer like HCSC or you can choose a Medicare Prescription Drug Plan (Part D) and get original Medicare A and B from the federal program. You can also add Medicare Supplement Insurance Plan, also called Medigap, to help pay for copays, coinsurance, and deductibles as well as other expenses.
HCSC only operates in 5 states: Illinois, Montana, New Mexico, Oklahoma and Texas.
You can cancel using this cancellation form. However, you cannot start another plan anytime. Make sure you and your family members are covered before you cancel so you don’t have a gap in coverage. We highly suggest you shop rates here.
Check out our full list of common questions about HCSC.
UnitedHealth Group is an American for-profit managed health care company based in Minnetonka, Minnesota. They offer a wide variety of health plans for individuals and businesses. They also offer Medicare and Medicaid.
Medicare Advantage is Medicare Part C, which replaces original Medicare Parts A and B and is administered through a private insurer. Medicare Advantage plans offer some benefits that Original Medicare does not. UnitedHealth also offers special Medicare Advantage plans for patients with Alzheimer’s or chronic dementia.
Yes, in 1998, the company rebranded and changed the name UnitedHealthcare insurance to the UnitedHealth Group.
If you don’t have health insurance through an employer, you can buy private insurance for yourself and/or your family with UnitedHealth insurance. For health insurance rates visit here and fill out a brief form.
Check out our full list of common questions about UnitedHealthcare.
|HCSC Contact Info|
|Address||300 E. Randolph St. Chicago, IL 60601|
|Phone||1 (800) 654-7385|
|UnitedHealthcare Contact Info|
|Address||P.O. Box 1459, Minneapolis, MN 55440-1459|
|Phone||1 (800) 328-5979|
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