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The largest health insurance provider in the United States offering employer, Medicare, Medicaid and individual ACA Marketplace plans.
UnitedHealthcare, a part of UnitedHealth Group, serves millions of members across the U.S. with one of the largest provider networks. The company offers employer-sponsored health insurance, Medicare Advantage, Medicaid, supplemental coverage and ACA Marketplace plans along with digital health tools and wellness programs.
5 plans available — compare coverage, premium, and key features.
A Bronze-level, high-deductible medical plan type designed for people seeking lower monthly premiums and protection for eligible covered medical expenses. Available off-exchange where offered.
Key Features
Step-by-step claim process for UnitedHealthcare.
Visit an in-network healthcare provider and receive eligible medical treatment.
The healthcare provider or policyholder submits the claim with the required medical documentation.
The insurer reviews coverage, verifies policy benefits and processes the submitted claim.
After approval, the insurer pays the healthcare provider directly or reimburses the policyholder according to policy terms.
UnitedHealthcare is an excellent choice for individuals, families and employers seeking nationwide provider access, comprehensive plan options and strong digital healthcare services.
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Use the Find a Doctor tool on myuhc.com or the UnitedHealthcare app to search by specialty, location and plan type.
Yes, all UnitedHealthcare plans cover mental health and substance use disorder services at the same level as medical benefits.
Yes, virtual visits are available through the UnitedHealthcare app and partner platforms like Teladoc at low or no cost.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Ratings and figures are based on publicly available company disclosures and state insurance department filings. Finzony is not an insurance broker or agent. Verify all details on the official UnitedHealthcare website before purchasing.
A flexible medical plan type that may combine moderate deductibles with copays, coinsurance and selected benefits before the deductible, depending on the specific policy.
Key Features
An ACA Marketplace plan type with preset deductibles, copays, coinsurance and out-of-pocket maximums within each metal level, helping consumers compare coverage options.
Key Features
Higher monthly premium generally paired with a lower deductible and lower costs when using covered care
Key Features
$0 medical deductible with fixed copays for many frequently used covered services; prescription drug deductible rules may differ
Key Features
Out-of-pocket maximums vary by plan but typically range from $7,500 to $9,100 for individuals per plan year.
Yes, UnitedHealthcare offers rewards programs that incentivize members for completing health screenings and wellness activities.