UnitedHealthcare - Insurance coverage management

* The app currently does not support all UHC plans, and not all features are available for every plan.

Experience simplified healthcare management on-the-go with the UnitedHealthcare app! It's tailored to save you time with easy access to your health information. 

Creating a better health care experience

We believe that when it comes to your health, everything matters. That’s why we are constantly working to improve the health care experience and make it deliver for the needs of everyone.

Simplest experience

We know health care can be complicated, so we work to make it simpler — for patients as well as providers. Streamlining processes and providing answers helps make coverage easier to understand and use.

Affordable coverage

We believe everyone deserves quality health coverage they can afford. So we provide coverage options designed to fit all kinds of budgets, and always look for ways to take costs out of the system to improve affordability and access for all.

Quality supported care

We support you in your health care journey. We focus on serving the individual, offering access to quality care, personalized solutions and support for every step of the way.

Frequently asked questions

1.What is health insurance?

Health insurance is a plan, or policy, that covers a percentage of doctors’ visits and hospital bills. It helps offset the costs of both planned and unplanned medical needs. Medical care can be expensive, but health insurance may help lessen the financial burden.

And health insurance isn’t just for when you’re sick or injured. It can also help you stay healthy through preventive care and wellness programs. This may help you save money, too, by catching potential health concerns before they become larger issues.

2.How does health insurance work?

Health insurance is a contract between you and an insurance company (the insurer). When you purchase a plan, you become a member of that plan. Each month, you’ll likely pay a fee, called a premium, to use the plan.

There are many different types of health plans, but they generally work the same way. You pay for some medical costs and your insurer pays for some costs. How those costs break out depend on your specific plan benefits and coverage.

3.How do I get health insurance?

Finding the right health insurance plan depends on a variety of factors. These include things like your age, health and financial situation. For example, if you’re over 65 or have a qualifying disability or special situation, you may be eligible for Medicare. If you have a lower income, you may qualify for Medicaid. If you want to purchase an individual plan, an Affordable Care Act (ACA) plan could be an option. Or, you may have the option to get health insurance through your employer.

Most health insurance plans have a special period of time, usually once a year, when you can enroll. This is called open enrollment. It’s when you can start, stop or change your health plan. Timing of open enrollment varies based on the plan.

4.What are the different types of health insurance?

There are a variety of health insurance plans that fit different needs. Some plans are offered through the government, like Affordable Care Act (ACA) plans, Medicare plans and Medicaid plans. There are also health plans you can get through your employer. Or, you can purchase a plan on your own, like short term health insurance that offers coverage for a limited amount of time. Understanding the different health insurance options can help you find the plan that may work best for you.

You may also see terms like HMO, PPO, EPO and POS ­— these refer to the four basic kinds of provider networks that certain health plans may offer. A network may include doctors, hospitals and other providers that agree to provide services to plan members at a negotiated rate. This may help lower your out-of-pocket costs.

5.How much does health insurance cost?

It depends. A variety of factors impact how much you pay. These can include your age, your location and lifestyle habits. It also depends on the type of plan you choose. With some plans, you may pay less up front, but more when you receive care. For other plans, the opposite can be true.

6.What does health insurance cover?

Coverage is unique to each health plan. Many plans may cover things like preventive care, prescription drugs, hospital stays, mental health services and more. A plan may cover the full cost of certain services, or you may have to share costs (by paying a copay or coinsurance, for example) until you meet a deductible or out-of-pocket limit.

Make sure to review benefits and coverage before choosing a plan. You can find this information in the plan’s Summary of Benefits and Coverage. This is a document that all health plan companies are required to provide. It outlines what’s covered, partially covered or not covered under a health plan.

What can you get

Locate and Manage Care Providers

- Find and manage doctors, specialists, or healthcare facilities through guided and location-based search.

- Save preferred care providers for quick access.

Manage Claims*

- Monitor claims based on member, provider, status, facility, service, or date.

- Review payment breakdowns and Explanation of Benefits for your claims.

ID Card

- Access and share your insurance ID card conveniently to avoid misplacement.

View Cost Estimates*

- Get estimates for treatment and specialty service expenses.

Reference Copays, Deductibles, and Out-of-Pocket Costs*

- Check copays, deductibles, and out-of-pocket expenditures.

View Account Balances*

- Stay informed about balances across your health reimbursement, flexible spending, and Optum Bank health savings accounts.

Effortless Sign-In

- Employ HealthSafe ID™ (a streamlined login that grants access to most UnitedHealthcare digital tools with a single username and password) for secure app access.

- Simplify login processes with fingerprint verification to never worry about forgotten passwords.

Manage Your Health*

- Receive personalized suggestions for preventive healthcare.