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: Dec 16, 2020

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United Healthcare

Financial Strength

UnitedHealth Group Inc. (NYSE: UNH) is the largest single insurer in the United States and covers over 70 million people. United Healthcare is a subsidiary of UnitedHealth Group Inc. and is the most well-known face of the company.

The company began as UnitedHealth Group Inc. in the late 70s and currently employs over 200,000 people. They are headquartered in Minnetonka, Minnesota, and operate all over the United States.

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What products does United Healthcare offer?

UnitedHealthcare Insurance Company offers health care insurance plans for individual customers, families, and businesses, as well as dental plans or bundled dental and vision insurance, medical coverage, and a whole host of other health benefits. Some of the health insurance company’s most popular health insurance services for customers include:

  • Individual Health Care Insurance Policy
  • Short Term Health Insurance
  • Supplemental Insurance Health Care Plans
  • Dental Insurance
  • Small Business Health Insurance Plans
  • Corporate Health Insurance
  • Medicare Advantage Plans for Health Insurance

The company also offers prescription drug plans and life insurance options, as well as many other health insurance options including Medicare Advantage plans. Premium rates vary based upon the type of coverage.

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How many consumer complaints are listed for UnitedHealthcare?

Is UnitedHealthcare good insurance? UnitedHealthcare health insurers is not Better Business Bureau accredited nor is UnitedHealth Group. There are a handful of different ratings for United Healthcare for different locations. UnitedHealth Group is listed as not-rated on the site. There are however many customer complaints listed under the UnitedHealth Group profile. A total of 1,344 customer complaints have been listed in the past three years, 431 of which have been closed in the last 12 months.

The main complaint found on major customer forums is that UnitedHealthcare is difficult to get a hold of and get information from. There are numerous reports of it taking a lengthy amount of time for customers to get through to an actual person, and then not getting the information or action they need.

What does Consumer Research report?

In the 2017 J.D. Power and Associates Member Health Plan Study on customer service, United Healthcare scored at or below average in the three largest population centers in the United States. New York and Texas both scored 2 out of 5, which is below average, while California scored a 3, putting it in the average category for customer service satisfaction. However, in the Southwest, Unitedhealthcare received a 5 out of 5-star rating.

Are the company’s financial ratings good?

Rating Company Grade Financial Outlook
AM Best A Stable
Fitch AA- Negative
S&P AA Negative

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What’s the bottom line?

UnitedHealthcare is an affordable care health coverage nationwide organization that can provide health insurance policies to families and businesses almost anywhere in the United States. They are very big, so their group of in-network care facilities reflects that. Most people will find their doctors listed in the United Healthcare network and can access their health plan via the mobile app, the Health4me app which lets you search for your provider and manage subscriptions.

The company ranks average or below in almost all categories when it comes to major consumer reporting studies. This can equate to less than adequate customer service, denied claims, and even billing issues. Additionally, Unitedhealthcare’s financial strength, as reported by the major reporting agencies, is less than perfect.