United HealthCare Insurance

United HealthCare Insurance Company
450 Columbus Blvd.
Hartford, CT 06103

Founded in 1977, the United HealthCare Insurance Company is an independent national provider of quality, low-cost health insurance. Originally designed as a network-based health plan for seniors, United Healthcare has expanded to offer Medicare programs, mental health/chemical dependency plans, self-funded plans, 24-hour help lines, and wellness plans. Their basic HMO and PPO plans are for both families, individuals, and business groups of all sizes. This company is persistent in finding ways to modify plans to offer even more flexibility to members.

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Product Features

United Healthcare provides the following types of low cost health insurance plans:

• Individual and family plans
• Medicare and beneficiary plans
• Group health plans for small business
• PPO and HMO plans
• Long term care plans, including on-site nursing home care

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Some of the features of the United Healthcare health insurance plans are:

• Separate rate scales for in-network and out-of-network, but flexibility to use the doctors and facilities near you.
• A large pool of physicians and hospitals
• The plan centers on a relationship with a primary care physician.
• Choice of plans, including those with or without a deductible
• Can choose a plan with a predictable co-pay or one with a cap on expenses
• Preauthorization is required for most procedures
• Can add prenatal, dental, or alternative medicine coverage

Individual plans have the flexibility of a range of deductibles and co-pays. United Healthcare also offers a high deductible plan for use with a health savings account and a short-term coverage plan. This company’s focus remains on wellness and on empowering the individual to take charge of his or her own health.

Ratings:

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