UniCare Insurance Review & Complaints: Health Insurance

UniCare Insurance is a subsidiary of the major insurance company Anthem, Inc. They offer health insurance plans in multiple states, mainly focusing on Medicare and other supplemental services. They also offer dental, vision, and disability insurance.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: May 14, 2021

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UniCare

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A subsidiary of major insurance company Anthem, Inc., UniCare offers health insurance plans in multiple states, mainly Medicare and other supplemental insurance. They partner with other companies to provide services and promise affordable health care.

What is UniCare?

With its headquarters in Indianapolis, Indiana, UniCare is a specialty health insurer that is owned by Anthem, Inc., a large insurer associated with Blue Cross and Blue Shield plans.

There is very little information offered on the history of the company, and the website is difficult to navigate and likely to confuse visitors. Links to separate websites are offered for some of UniCare’s various plans, such as Medicare, Medicaid, and state indemnity plans. This adds to the confusion, as the actual product listing on the main website shows only dental, vision, and life insurance and disability plans.

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What products are offered?

UniCare offers dental, vision, life and disability, Medicare health plans, and state indemnity plans depending on where you live. Many are employer-sponsored plans.

Dental

The website does not offer specific descriptions of the available plans but lists general coverage information. This includes 100% coverage for preventative treatment.

The site indicates that there are a variety of plan levels with flexible coverage options available.

UniView Vision

UniCare offers individual and employer-sponsored plans for vision care. These plans offer regular eye exams as well as allowances for eyeglasses and contacts. Again, limited information on plan details is available.

Coverage is offered at a range of large optical chains included Pearle Vision and Lenscrafters.

Life and Disability

UniCare’s life and disability plans are offered as group plans through employers. These can be employer-paid or voluntary benefits employees can select.

Like the other health care products, there is little in the way of plan information. Term life insurance, short and long-term disability, and accidental death and dismemberment plans are all available either alone or as part of a package. Vision and dental can also be bundled into these employer-sponsored packages.

Medicare

The company’s Medicare website states that they no longer offer Part D coverage, although they do appear to still write Medicare Advantage and Supplement plans in some areas. We tried several zip codes in a variety of states, including zip codes where the company has offices, but were unable to return any results for Medicare plan information and details.

State Indemnity

UniCare writes state indemnity coverage for members in the state of Massachusetts. This coverage requires that the member qualify for the state’s Group Insurance Commission (GIC) and be insured through that plan.

There are four indemnity plans offered with different levels of coverage. These plans allow members to access a wider network of care, with PPO options available. One of the plans is a Medicare Extension, while the rest are non-Medicare.

Are the company’s rates competitive?

We were unable to find rates for any of the UniCare plans. In spite of the Medicare site offering online quotes, we did not find a zip code that would return us any rates, including the zip code where we run our usual comparisons.

How are claims handled?

Since UniCare scatters their plans across different websites and handles each product through different offices, there does not appear to a central claims system. Most claims should be handled directly through providers, although this differs for products like life and disability insurance.

UniCare offers claims documents for vision, dental, life, and disability on their website in the documents section. Questions are directed to the customer service line for that particular product. Members who are logged into the system can view claims status directly.

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Are the company’s ratings and consumer reviews positive?

UniCare has an A+ rating with the Better Business Bureau (BBB), and there are only three complaints on file in the past three years. It is difficult to say how accurate the rating and complaint volume is, however, given the fact that the company has offices in so many locations and splits its various products into separate websites and names.

Outside of the BBB, we found little in the way of information on this company. This may be due to the different names, the ownership by Anthem, or the fact that they serve a specialty market and write a lot of group versus individual policies.

What’s the bottom line?

There is not enough information available on UniCare or its products to form a clear opinion on this company. It appears to be an insurer most people come into contact with either through a broker or as employer-sponsored benefits and is unlikely to make the list for the average individual insurance shopper.

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