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UniCare Review

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UPDATED: Nov 30, 2018

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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.

About 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.

UniCare Products

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

UniCare 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 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

UniCare’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 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.

UniCare Rates

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.

Claims

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.

Ratings and Consumer Reviews

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.

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.

For a list of companies that we recommend, visit our Best Insurance Companies page.

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Review Information

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UniCare
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About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My 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.

2 Comments

  1. I think you’re going to want to see this because UniCare gave my money away to someone not entitled to it and it looks like there are lots of complaints about UniCare. I was my dad’s only survivor and because he died intestate and didn’t change his beneficiary from my mom to someone else, the POA who lived with him changed it to herself and now she’s in legal trouble and so is UniCare. I tried to sound the alarm that something was wrong but they ignored me and still gave my money to her and now it looks like they’ll probably have to pay out again and this time they’ll be more likely be paying dearly. The fraudster who caused this whole mess is also in hot water, very serious legal trouble and she could be looking at some serious time besides restitution. So far as of March 16, 2018, she hasn’t yet been registered as having a lawyer. It’s not to say she might not get one at some point through the court or even represent herself, I don’t know. She’s been in trouble before with the IRS and lost property and she tried to skip on them but they found her and put a lien on her bank account. Of course, she had to pay up because she lost her property but unfortunately they released back to the fraudster over six grand. It kind of makes me wonder if she may have had another lien put on everything again, all because she was so self-centered she hijacked my inheritance I was legally entitled to and UniCare supported her! Hopefully the monies not gone or we may have to take other assets like the house my dad on that she most likely tricked him into signing over through the TOD when he had Alzheimer’s for a number of years

    Thanks for being a consumer advocate. Below is a link to complaints against UniCare. They want to take peoples money but they don’t want to pay out when it’s time, they get cold feet and it makes me wonder if they were sued before and just don’t have the money

    [Redacted]

    Reply
    • Unicare is the worst ever. Buyer beware.

      Reply

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