UnitedHealthcare: Overview

UnitedHealthcare is one of the largest healthcare providers in the country and is available in all 50 states.

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About UnitedHealthcare

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.

In 1995, the company acquired MetraHealth, which combined the group health care operations of The Travelers Insurance Company and Metropolitan Life Insurance Company. In 1996, the company automated its claims review process using Artificial Intelligence. UnitedHealth grew in prominence in 1997, when the American Association for Retired Persons (AARP) selected UnitedHealth to provide coverage to its members. That same year UnitedHealth expanded its Evercare program, which is designed to cover long-term care in nursing homes, elderly people living at home and people with chronic illnesses.

In 2002, UnitedHealth Group merged its Medicaid program with AmeriChoice and began to focus on individual and group health plans. In 2004, they began offering health savings accounts for employer groups. In 2005, UnitedHealth Group merged with PacificCare Health Systems, expanding into the Pacific Coast markets. In 2007, the company acquired Sierra Health Services, expanding into the Southwest Region, and enrolled 5 million Medicare beneficiaries into the Medicare Part D prescription drug plan. 

In 2008, UnitedHealth introduced UnitedHealth Continuity, a plan that guarantees future insurability by locking in health insurance while patients are healthy, for  coverage when they retire, become self-employed, unemployed, or move to a job without health benefits. That same year, they introduced their Medicare Advantage SNP, a special needs coverage for people with Alzheimer’s and chronic dementia,  In 2009, the company introduced a first-of-its kind diabetes health care plan and in 2010, it announced a cancer care payment model to help patients pay oncologists. 

In 2010, UnitedHealth also introduced the OptumizeMe one of the first mobile fitness challenge apps and launched the Diabetes Prevention and Control Alliance, a partnership with YMCA and pharmacies to help prevent and control diabetes, pre-diabetes and obesity. In 2012, they released the Health4Me app, which offered easy access to registered nurses, personal health benefits information, and the ability to locate nearby physicians and hospitals.

Today, UnitedHealth Group provides health insurance services to roughly 85 million individuals, with plans that include Medicare Advantage (MA), managed Medicaid, employer-sponsored insurance and individual insurance. Worth $107.1 billion, UnitedHealth Group (UNH) is the largest insurance provider in the US. Headquartered in Minnetonka, Minnesota, the company also offers benefits and services in more than 125 countries. UnitedHealth Group has ranked in the Fortune 500. 

UnitedHealthcare Facts & Ratings

Year Founded 1977
Medicare Star Rating 4.5 stars (out of 5)
BBB Rating A+

UnitedHealthcare Mobile App Rating

iOS
     4.5 10.1K users
Android
     4.6 16,316 users

The Health4Me app from UnitedHealthcare allows you look for doctors and review your coverage and benefits.

Pros & Cons of UnitedHealthcare

  • Robust health plans and benefits for Medicare and Medicaid recipients.
  • Marketplace plans for individuals and families that do not qualify for Medicaid or Medicare.
  • Popular mobile app makes it easy to stay on top of your account.
  • UnitedHealth is available in all 50 states.
  • Plans are in general more expensive than those of other health insurance providers.

UnitedHealthcare Enrollment Process

UnitedHealth Group offers plans through the health insurance marketplace. You can begin searching plans here.

Each state has their own marketplace. If you’re not sure where to begin, visit https://www.healthcare.gov/. You can also schedule a personal appointment with a local Kaiser Permanente Medicare specialist: 1-866-973-4588.

How to file a claim with UnitedHealthcare

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 Policyholder's name and address.
  • The patient's name and age.
  • The number stated on your ID card.
  • The name and address of the provider of the service(s).
  • The name and address of any ordering Physician.
  • A diagnosis from the Physician.
  • An itemized bill from your provider that includes the Current Procedural Terminology (CPT) codes or a description of each charge.
  • The date the Injury or Sickness began.
  • A statement indicating either that you are, or you are not, enrolled for coverage under any other health insurance plan or program. If you are enrolled for other coverage you must include the name of the other carrier(s).

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

Common Questions about UnitedHealthcare

What is UnitedHealth Group?

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.

What Are UnitedHealth Medicare Advantage plans?

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.

Is UnitedHealth the same as UnitedHealthcare insurance?

Yes, in 1998, the company rebranded and changed the name UnitedHealthcare insurance to UnitedHealth Group.

What is UnitedHealth insurance coverage for Individuals and Families?

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.

What are UnitedHealth Group benefit plans?

UnitedHealth Group benefit plans are offered by employers. To see if your company offers a plan through UnitedHealth, speak to someone in your human resources department.

What is Optum from UnitedHealth Group?

Optum is UnitedHealth Group’s pharmacy manager and care services group. Optum operates across 150 countries in North America, South America, Europe, Asia Pacific and the Middle East.

How does UnitedHealth Short term health insurance work?

UnitedHealth’s short term medical insurance can provide a temporary solution if you’re between jobs, waiting for coverage to begin or waiting to be accepted by Medicare. This coverage is also an option outside of open enrollment.

Can I use UnitedHealthcare out of state?

UnitedHealthcare operates in all 50 states so you should be covered. It’s a good idea to speak with your agent prior to travel, just to be sure there are providers in the area you’re visiting.

Is UnitedHealthcare an HMO or PPO?

UnitedHealth offers HMO and PPO plans. To learn the difference between the two, visit here.

What are the benefits of UnitedHealth Choice Plans?

UnitedHealth Choice plans allow you to save money by seeing a doctor anytime as long as it’s an in-network provider. You also don’t need a referral from a primary care provider. This is a cost-saving option for many individuals and families. Preventive care is 100% covered.

What is UnitedHealthcare premium designation?

The UnitedHealth Premium program provides doctors with designations based on quality and cost efficiency. Physicians may also use these designations when referring patients to other physicians. These designations allow members to make better decisions and to save money on the care they need.

Does Costco accept UnitedHealthcare vision?

Yes, Costco Optical is a vision provider with UnitedHealthcare Vision.

Is UnitedHealthcare Motion worth it?

UnitedHealthcare Motion® is a walking program created for better health and to help lower out-of-pocket costs. If your health plan includes Motion, you can save money if you stay active.

What does UnitedHealthcare dental cover?

Different plans cover different things but preventive dental care, like cleanings and x-rays, is usually covered, as are basic services like fillings and extractions, and major services like root canals, crowns and more.

Does UnitedHealthcare pay for a gym membership?

Renew Active is a Medicare fitness program for mind and body. It includes a free gym membership. You can choose a gym from one of UnitedHealthcare’s wide network.

How much is UnitedHealthcare cobra?

Cobra is an option if you lose your job suddenly. Under COBRA you’ll have to pay the full premium for your coverage, plus an administrative fee. COBRA coverage is only a short-term solution, so it’s a good idea to explore other options by comparing quotes here. When you lose a job, you are able to buy a health plan outside of the open enrollment period.

UnitedHealthcare Contact Info

Address P.O. Box 1459, Minneapolis, MN 55440-1459
Phone 1 (800) 328-5979
Website https://www.unitedhealthgroup.com/
Facebook https://www.facebook.com/groups/uhgemployees/
Youtube https://www.youtube.com/user/UnitedHealthGroup
Twitter https://twitter.com/UnitedHealthGrp
Linkedin https://www.linkedin.com/company/unitedhealth-group/

Methodology

The information listed on this page is from our own in house research. It is accurate as of the article publish date. Visit the carrier website for additional information.

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