UnitedHealthOne Insurance Company Review

Company Overview

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UnitedHealthcare

 UnitedHealthcare

Our Take

UnitedHealthOne Insurance Company provides several health insurance options for you and your family. Plans are customizable, affordable, and offer a number of discount options.

  • Pros and Cons
  • Key Takeaways
  • Company Overview
Pros and Cons
Pros
  • Financially stable

  • Large variety of policy options including HSAs and short-term health insurance plans

  • You can receive a quote and buy a policy online

Cons
  • Some complaints about customer service issues

  • Coverage restrictions and policies are not available in all states

Key Takeaways
  • Solid financial strength ratings
  • Quick claims processing
  • No deductible for preventative care services
  • HSA plans available
  • Customizable coverage options
  • Children up to age 26 are eligible for coverage
Company Overview
  • Year Founded 1974
  • Types of Insurance Offered Short Term, Triterm, Medicare, ACA, Dental, Accident, Vision, Critical Illness, Term Life
  • Official Website https://www.uhone.com/

With the constant changes in healthcare reform, you need an established company that can tell you about all your options when you are looking to buy health insurance. UnitedHealthOne has been in the health insurance business for over 65 years. It is a leader in U.S. health insurance companies and is in fact the largest healthcare insurer in the United States. It is the brand name of the parent company, UnitedHealthcare. Their health insurance products are written through Golden Rule Insurance Company. UnitedHealthOne can trace its origins back to a company called Charter Med Incorporated, founded in 1974, that was one of the first companies to introduce a network-based health care plans for senior citizens.

UnitedHealth Group is headquartered in Minneapolis, Minnesota and writes health insurance policies for approximately 70 million policyholders in the United States through its two core divisions; UnitedHealthcare and Optum. Its provider network consists of more than 700,000 doctors and healthcare facilities. Coverage is available in 40 states and the District of Columbia. The company’s insurance products include health and dental insurance for individuals, families, and employers along with health savings plans. The company’s CEO is David S. Wichmann. UnitedHealth Group is a Fortune 500 top 25 company and has an annual net income of over $5 billion.

Financial Strength and Customer Satisfaction

UnitedHealthOne is a financially strong insurance company. Its parent company, UnitedHealth Group has an “A+” Strong rating with insurance rating organization Standard & Poor’s rating service and is rated “A” Excellent by A.M. Best. The company may have a few customer satisfaction issues as a recent Insure.com customer satisfaction survey showed customer satisfaction levels at only 65%. This may be in part to the tendency of policyholders to feel that a smaller company means better customer service. However, the company has seemed to rebound in customer service somewhat, with a score of 72% from American Customer Satisfaction Index (ACSI).

Better Business Bureau Rating                           

Golden Rule Insurance Company, the underwriting company for UnitedHealthOne, has an “A+” rating with the Better Business Bureau. It has been an accredited company with the BBB since 1985. Golden Rule Insurance Company has a 3.68 out of 5 star BBB composite score based on four customer reviews and 20 total complaints. There were 20 closed complaints in the following categories:

  • Advertising/Sales Issues: 1
  • Billing/Collection Issues: 5
  • Problems with Product/Service: 14

Health Insurance Benefits

Golden Rule Insurance Company underwrites the health insurance policies for UnitedHealthOne. Coverage and availability for each plan may vary by state. No coverage is available for the states of New Mexico or Georgia. Some of the perks you will find with UnitedHealthOne include:

  • Claims Processing: A majority of claims are processed within 10 working days or less
  • Deductible Credit: For renewable health insurance plans, you can increase your deductible for up to 50%.
  • Preventative Care: 100% coverage for preventative care with no deductible requirement
  • Provider Network: Large provider care network with savings for in-network providers of up to 50%
  • Dependent Coverage: Coverage for children up to age 26
  • Specialized Care: No referrals required when for required specialist care

Health Insurance Options

There are many options with UnitedHealthOne including copay plans, HSA plans, dental insurance, and short-term health insurance coverage. There are high deductible plans available with critical illness coverage if you are trying to stay within a budget. You can customize your coverage from the minimum to the maximum amount of coverage depending on your individual situation and finances. There are set co-pay plans where you pay a portion of the expensive for routine healthcare.

There are also HSA or health savings plans available where you can save toward your insurance deductible and other healthcare-related expenses. With the HSA, you can enjoy the benefit of paying a lower premium for a high-deductible policy while saving to cover your out-of-pocket deductible expenses. HSA plans have deductibles varying from $1,250 to $10,000. The most affordable option is the HSA70, where you will pay 30% coinsurance after you have met the deductible. If you are looking for more comprehensive coverage, you may choose the HSA100, where you pay $0 out-of-pocket expenses after you have met the calendar-year deductible.

In addition to health insurance, plans are available for dental insurance, vision insurance, and supplemental health insurance including term life insurance, critical illness insurance, accidental injury insurance, and hospital indemnity insurance. The company also provides access to discount cards giving member discounts of 10-50% on common used health care products and services. The card can be used by purchases made by you, your spouse, or your dependent children.

Company Contact Information

For more information about the health insurance products available or to receive a quote, visit the United Health One website.

Article Sources

The Balance requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy .
  1. Fortune. "UnitedHealth Group." Accessed Dec. 4, 2020.

  2. UnitedHealthcare. "Insurance Made Simple." Accessed Dec. 4, 2020.

  3. S&P Global. "Insurance ratings actions: S&P affirms UnitedHealth, National Western Life." Accessed Dec. 4, 2020.