UnitedHealthcare is one of the largest health insurance providers in America, providing health insurance to people in all fifty states. Part of UnitedHealth Group, UnitedHealthcare is the product of several acquisitions that were unified in a 2011 re-structuring.
Every health insurance plan is required to provide essential benefits, as defined by the Affordable Care Act. These essential benefits fall into ten categories of services:
The specific services offered within those categories may vary from state to state, but these categories represent the minimum that all health insurance plans are required to cover. No matter where you purchase your health insurance plan from – federal, state, or private marketplace – it must cover these ten essential benefits.
Plans may choose to cover additional services. State, federal, and private exchanges will give you the full list of the exact services each plan covers before you apply.
UnitedHealthcare plans include programs and resources that help you stay healthy every day. These include fitness and nutrition guides, as well as online tools that help you connect to a registered nurse at any hour of the day and let you access medical records online.
Prescriptions & Drugs
UnitedHealthcare covers both generic and brand name drugs. Their drug list (also called a “formulary”) separates out drugs into three or four price tiers, depending on your plan. Generally, generic drugs on the lowest priced tier, though this is not always the case – UnitedHealthcare makes a point to monitor the prices of high cost generics to make sure they’re the best value. You can see the latest Unitedhealthcare formulary by going to their Pharmacy Resources page and clicking “Prescription Drug List” from the available resources.
PolicyGenius offers anonymous, no-obligation shopping of all marketplace health insurance plans, as well as “off-exchange” plans that you won’t find on Healthcare.gov or the state marketplaces. You can browse all plans, and sort and filter those plans based on your preferences and budget.
Once you’ve selected a health insurance plan, enrolling in that plan is easy. You fill out a short online form, then complete the final step with a quick enrollment phone call with a licensed agent. On that call, the licensed agent will verify your identity, double-check eligibility and answer any questions you may have. For certain insurers, who don’t permit private brokers (like PolicyGenius) to enroll customers, you’ll have to enroll directly with the insurer or on your state’s marketplace (these plans will be noted).
After you enroll in a health insurance plan, you will get your membership materials (including your member ID card) and the first premium bill directly from the health insurance company. You are responsible for paying the bill to ensure that your coverage goes into effect, and to keep current on those payments.
Most of the time, your health services provider should submit your claim to UnitedHealthcare for you. If they don’t, or you visited a non-affiliated provider, you can submit a claim to UnitedHealthcare directly. Print out this form and send it, along with a detailed claim of services from your provider, to the address on the back of your health insurance card.