Get a fast, personalized quote to see how a plan fits your budget and stage of life. UnitedHealthcare offers a range of health insurance options, from individual and family plans to Medicare, Medicaid, dental, and vision coverage.
You can compare premiums, deductibles, and covered services in one place. A clear quote shows what a plan covers, how cost-sharing works, and what benefits you can expect for preventive care and prescriptions.
Use the UnitedHealthcare app to manage your plan, request ID cards, find in-network providers, and track claims. This makes it easier to align coverage with your preferred doctors and hospitals.
Explore options across ACA Marketplace plans, supplemental policies, and other networks (HMO, PPO, EPO, POS) so you can choose the policy that fits your life. When ready, enroll online or speak with a licensed professional for more information and enrollment help.
Key Takeaways
- Request a quick quote to compare plan costs and coverage side by side.
- UnitedHealthcare offers individual, family, Medicare, Medicaid, and supplemental options.
- The app gives you digital ID cards, provider search, and claim tracking on the go.
- Quotes show benefits, exclusions, and out-of-pocket estimates up front.
- Choose network types and plans that match your preferred doctors and locations.
- You can enroll online or get help from a licensed professional for policy details.
Find the right insurance plan for your needs and budget today
Get a quick quote now to compare health insurance options that match your budget and care needs. Health insurance helps pay a share of medical costs and supports preventive care. Your best plan depends on age, health, and finances.
Why requesting a quote now helps you compare plans, coverage, and costs
Acting early gives you clearer information. A current quote shows premiums, deductibles, copays, coinsurance, and out-of-pocket limits. This helps you choose between lower monthly payments or lower costs when you get care.
If you shop ACA Marketplace plans, a quote also shows eligible designs and possible subsidies during open enrollment. You can compare network types—HMO coordination versus PPO/EPO/POS access—and see which providers and prescriptions are covered.
- Compare price vs. protection: premium, deductible, and estimated annual costs.
- Check benefits: preventive visits, virtual care, prescription coverage, and wellness perks.
- Organize options: view in-network doctors, covered meds, and a projected rate for your time frame.
UnitedHealthcare tools make it faster to evaluate choices so you don’t miss time-sensitive enrollment windows and can pick the plan that fits your needs and budget.
All types of plans for all types of people
Explore multiple plan types to find health coverage that fits your life. UnitedHealthcare offers ACA Marketplace and individual & family insurance plans that align with income, location, and provider needs.
ACA Marketplace and individual & family insurance plans
Choose plans under the Affordable Care Act to compare premiums, networks, and subsidies. Marketplace options let you see estimates for monthly cost and covered services so you can match price with protection.
Medicare Advantage, Part D, and Medigap
Medicare Advantage (Part C) often bundles Part A and Part B and may include dental, vision, and hearing benefits. Pair Original Medicare with a Part D prescription drug plan, or add a Medicare Supplement (Medigap) plan to lower out-of-pocket costs.
Medicaid plans for qualifying circumstances
If you qualify by income or special circumstance, Medicaid plans offer low-cost coverage and access to essential services. D-SNPs help members eligible for both Medicare and Medicaid, while C-SNPs target those with chronic conditions.
Dental, vision, supplemental, and short term health options
Add dental, vision, and other supplemental programs to fill gaps not covered by medical plans. Short term health and term health insurance can give temporary coverage between jobs or outside enrollment windows.
| Plan Type | Who it’s for | Key benefits | Network options |
|---|---|---|---|
| ACA Marketplace / Individual | Individuals & families | Subsidy eligibility, preventive care, varied premiums | HMO, PPO, EPO, POS |
| Medicare Advantage | Medicare-eligible adults | May include dental, vision, hearing, prescription drugs | PPO, HMO |
| Medicaid | Low-income or qualifying cases | Low or no cost coverage for essential services | State-based networks |
| Supplemental / Short term | Members needing extra or temporary coverage | Dental, vision, gap coverage, temporary protection | Varies by plan |
How to request-health-insurance-unitedhealthcare and get a personalized quote
Start your quote online with a few basic details to see plans that match your needs and an estimated monthly rate.
Simple steps: share your information, review options, and see a rate
Begin by entering your ZIP code, age, and household details. This reveals eligible insurance options and projected costs.
Compare plans side by side to check premiums, deductibles, network types, and included benefits like dental or vision.
Open enrollment, special enrollment, and when you can sign up
Most plans have an annual open enrollment window. Timing varies by plan and by program.
You may qualify for special enrollment if you move, marry, or lose other coverage. If you consider Medicare Advantage or Part D, remember enrollment depends on annual contract renewals.
Get help from a licensed insurance agent and member tools
Connect with a licensed insurance agent for one-on-one guidance before you sign. An agent can explain coverage details and how services are covered by a provider.
Use the UnitedHealthcare app to view digital ID cards, check claims, find in-network care, and manage your health plan on the go.
| Action | Why it matters | What you get |
|---|---|---|
| Enter ZIP, age, household | Identifies eligible plans | Estimated monthly rate, plan options |
| Compare plan details | Helps match cost vs. coverage | Premiums, deductibles, networks |
| Contact licensed agent | Clarifies benefits and exclusions | Personalized help before you sign |
| Save your quote | Revisit during enrollment window | Finalize choice that fits budget |
What your coverage can include and how costs work
A plan’s benefits shape how you use care, from preventive visits to hospital stays and mental health support.
Core services and benefits
Most health insurance plans cover essential services like preventive care, primary and specialty visits, hospital care, and mental health. Many policies include wellness rewards or programs to encourage screenings and healthy habits.
Prescription drugs vary by plan. Check the formulary, tiers, and prior authorization rules so you can estimate medication costs. Tools like PreCheck MyScript can show coverage options in real time.
Networks and cost-sharing
Networks (HMO, PPO, EPO, POS) affect where you can go for care and how much you pay. In-network providers use negotiated rates that usually lower your costs.
| Service | Typical cost type | How it affects you |
|---|---|---|
| Preventive visits | Often $0 copay | Covered at 100% when in-network |
| Prescription drugs | Copay or coinsurance | Costs vary by formulary tier and prior auth |
| Mental health services | Copay or coinsurance | Included under many plans; check limits |
| Hospital care | Deductible + coinsurance | Can be largest out-of-pocket expense until limit |
Understand premiums, copays, coinsurance, deductibles, and out-of-pocket limits before you pick a plan. Review the Summary of Benefits and Coverage and use member tools to confirm providers and vision or other supplemental services to avoid surprises.
Conclusion
, Take a final step: compare personalized rates and benefits to find a plan that matches your life this year.
Get a quick quote to compare health insurance options from a trusted insurance company. Look at premiums, networks, and prescription estimates so you know yearly costs.
Whether you want an ACA Marketplace option, Medicare Advantage plans with added benefits, or short term health to bridge gaps, review limits before you sign. Enroll during open enrollment or after a qualifying event to secure coverage.
Use member tools like the UnitedHealthcare app or speak with support to confirm benefits and finalize the insurance plan that fits your needs and budget.
FAQ
How do you request your health insurance quote with UnitedHealthcare?
Start by visiting the UnitedHealthcare website or calling a licensed insurance agent. Provide basic information about your household, zip code, age, and current coverage needs. You’ll then review plan options, estimated premiums, and coverage details to get a personalized quote.
Why should you request a quote now to compare plans, coverage, and costs?
Requesting a quote now helps you compare premiums, deductibles, and prescription drug coverage before enrollment windows close. It also shows out-of-pocket estimates and network details so you can choose a plan that fits your budget and care needs.
What types of individual and family plans does UnitedHealthcare offer?
UnitedHealthcare offers ACA Marketplace plans, individual and family health plans, and short term health insurance options. Plans vary by state and include different levels of coverage, provider networks, and cost-sharing structures to match your needs.
What Medicare options are available through UnitedHealthcare?
UnitedHealthcare provides Medicare Advantage plans, Part D prescription drug plans, and Medicare Supplement (Medigap) policies. Each option has different costs, network rules, and benefits such as prescription coverage and extra wellness services.
Can you get Medicaid through UnitedHealthcare?
In some states, UnitedHealthcare manages Medicaid plans for qualifying individuals. Eligibility depends on income, household size, and state-specific rules. Check your state’s Medicaid program or contact an agent to confirm qualifications.
Does UnitedHealthcare offer dental, vision, or supplemental coverage?
Yes. You can add dental, vision, and supplemental plans for services like routine exams, glasses, and accident or critical illness coverage. These can be purchased separately or as part of some Medicare Advantage options.
How do you request a personalized quote step by step?
Provide your personal details and coverage preferences, review the plan options presented, compare costs and networks, and select the plan that fits your budget. You can complete enrollment online, by phone, or with help from a licensed agent.
When can you enroll in coverage?
Open Enrollment for Marketplace plans typically occurs once a year, while Medicare enrollment has specific periods like Initial Enrollment and Annual Enrollment. Special Enrollment Periods may apply for life events such as marriage, birth, or loss of other coverage.
How can a licensed insurance agent help you?
An agent explains plan details, compares costs and benefits, assists with enrollment, and answers questions about networks, prescription coverage, and eligibility for programs like Medicaid or Medicare.
What member tools are available to manage your plan?
UnitedHealthcare offers member tools such as the mobile app and online portal where you can view ID cards, track claims, find in-network providers, check drug formularies, and access wellness resources.
What services and benefits can your coverage include?
Coverage often includes preventive care, prescription drugs, mental health services, hospital care, and wellness rewards or programs. Exact benefits depend on the plan type and level you choose.
How do networks and plan types affect your costs?
Plan types like HMO, PPO, EPO, and POS determine your provider choices and referral rules. Costs vary by premiums, copays, coinsurance, deductibles, and out-of-pocket limits. Choosing in-network providers typically reduces your expenses.
How are prescription drugs covered and what should you check?
Review the plan’s formulary (drug list) and tiers to see coverage, prior authorization rules, and copays or coinsurance amounts. Check whether your medications are covered and if the pharmacy you use is in-network.
What are premiums, copays, coinsurance, and deductibles?
Premiums are your monthly payment to keep coverage. Copays are fixed fees for visits or prescriptions. Coinsurance is a percentage you pay for services after meeting the deductible. The deductible is the amount you pay before some benefits begin. Out-of-pocket limits cap your annual spending.
Can you get short term or temporary coverage while between plans?
Short term health insurance can provide temporary protection for gaps in coverage, but it often offers limited benefits and may not meet ACA standards. Compare temporary plan details and exclusions before enrolling.
How do mental health and wellness programs integrate with coverage?
Many plans include mental health services, counseling, and telehealth options. Wellness programs may offer rewards, coaching, or preventive screenings to support your overall health and potentially lower costs.
How do you compare plan rates and choose what’s best for you?
Compare monthly premiums, estimated annual costs, provider networks, prescription coverage, and out-of-pocket limits. Consider your expected medical needs and preferred doctors to choose the most cost-effective plan for your situation.
