I-UnitedHealthOne Insurance Company Review

Inkcazo yeNkampani

Ngeenguqu eziqhubekayo zokuguqulwa kwezempilo, udinga inkampani eqinisekileyo enokukuxelela malunga nazo zonke iinketho zakho xa ufuna ukuthenga i-inshorensi yempilo . I-UnitedHealthOne iye yahlala kwi-inshorensi yezempilo iminyaka engaphezu kwama-65. Inkokheli kwiinkampani ze-inshurensi zempilo ze-US kwaye ngokwenene yinkampani enkulu ye-insurer e-United States. Igama lophawu lomzali, i-UnitedHealthcare.

Imveliso yomshuwalense yempilo ibhaliwe kwiNkampani ye-Golden Rule Insurance. I-UnitedHealthOne ingayifumana imvelaphi yayo emva kwenkampani ebizwa ngokuba yiCharter Med Incorporated, eyasungulwa ngo-1974, eyayiyinye yeenkampani zokuqala ukuzisa izicwangciso zononophelo lwezempilo ezisekelwe kwinethiwekhi kubantu abadala.

Iqela le-UnitedHealth liphantsi kwe-Minneapolis, eMinnesota kwaye ibhala imigaqo-nkqubo ye-inshorensi yempilo malunga nabanikazi bomgaqo-nkqubo abayizigidi ezingama-70 e-United States ngokusebenzisa izigaba zayo ezibini; I-UnitedHealthcare ne-Optum. Umncedisi walo unxibelelwano unogqirha abangaphezu kwama-700,000 kunye namaziko enkonzo. Ubungakanani bufumaneka kwiindawo ezingama-40 kunye neSithili sase-Columbia. Imveliso ye-inshorensi yenkampani ibandakanya inshurensi yempilo kunye namazinyo kubantu ngabanye, iintsapho kunye nabaqeshi kunye nezicwangciso zokulondoloza impilo. CEO yenkampani nguStephen Hemsley. Iqela le-UnitedHealth liyi-Fortune 500 eliphezulu kwenkampani eli-25 kwaye linomvuzo wonyaka wenyanga engaphezu kweebhiliyoni ezi-5.

Amandla Amali kunye noKwaneliseka kwabathengi

UnitedHealthOne yinkampani yomshuwalense oqinileyo . Inkampani yomzali wayo, i-UnitedHealth Group ine-"A +" Isisombululo esinamandla kunye nenqanaba le-inshorensi kwinkonzo ye-Standard & Poor's rating rating kwaye ivalwe "A" kakhulu nge- AM Best . Inkampani inokuba nemiba emininzi yenkxalabo yabathengi njengoko uphando lwangqungquthela lwangqinisiso lwabaxhasi be-insure.com lubonise amanqanaba aneliseko lwabaxhasi kuphela ngama-65%

Oku kunokuba yinxalenye ekutheni abantu abanomgaqo-nkqubo bathambekele ekubeni bazive ukuba inkampani encinci ibhekiselela inkonzo engcono yabathengi. Nangona kunjalo, inkampani ibonakala ihlawulela kwinkonzo yamakhasimende ngamanqaku angama-72% ukusuka kwi- Index yase-American Customer Satisfaction Index (ACSI).

I-Business Business Bureau

Inkampani e-Golden Rule Insurance, inkampani ebhalwe phantsi kwi-UnitedHealthOne, ine-"A +" kwi-Business Business Bureau. Kuye inkampani eqinisekisiweyo eneBBB ukususela ngo-1985. Inkampani ye-Golden Rule Insurance ine-3.68 kwinqanaba eli-5 leenkampani zeBBB eziqulunqwe ngokubhekiselele kwiingxelo zabathengi abane kunye nezikhalazo ezipheleleyo ezingama-20. Kukho izikhalazo ezivaliweyo ezi-20 ezi zilandelayo:

• Iintengiso / Iingxaki zokuthengisa: 1
• Iingxowa-mali / Iiqoqo zoqoqo: 5
• Iingxaki ngeMveliso / iNkonzo: 14

Izinzuzo zeNtshurensi yezeMpilo

I-Golden Rule Insurance Inkampani ibhala phantsi kwe-inshorensi yempilo ye-UnitedHealthOne. Ukusetyenziswa kunye nokufumaneka kwesicwangciso ngasinye kuyahluka ngobuso. Akukho mali yokufumana iifayili ye-New Mexico okanye yaseGeorgia. Ezinye zezinto oza kuzifumana kunye ne-UnitedHealthOne ziquka:

• Ukusetyenziswa kwamabango: Ininzi yamabango iqhutyelwa zingaphantsi kweentsuku zokusebenza ezili-10 okanye ngaphantsi
• I-Deductible Credit : Kwiiplani ze-inshorensi zempilo evuselelekayo, unokwandisa i-deductible yakho ukuya kuma-50%.

• Ukunyamekela okuKhuselekileyo : Inkcazo ye-100% yokunakekelwa kokuthintela ngaphandle kwemfuneko edityanisiweyo
• Inethiwekhi yomboneleli: inethiwekhi enkulu yokunakekelwa kwenethiwekhi kunye nokulondolozwa kwabanikezeli benethiwekhi kwi-50%
• Umxhobo oMxhomekeke : Umyinge wabantwana abaneminyaka engama-26
• Unonophelo oluthile : Akukho kuthunyelwa okufunekayo xa kufuneka unonophelo lweengcali

Izinketho zeIntshumo yezempilo

Kukho iindlela ezininzi ze-UnitedHealthOne ezibandakanya izicwangciso ze-copay, izicwangciso ze- HSA , inshorensi yamazinyo kunye ne -inshorensi yempilo yexesha elifutshane . Kukho izicwangciso eziphezulu ezidityanisiweyo ezifumaneka ngokukhawuleza kokugula xa uzama ukuhlala kwisabelo-mali. Unokwenza ulungelelaniso lwakho lokubhengezwa ukusuka kumncinci ukuya kwisixa esiphezulu sokubhengezwa ngokuxhomekeke kwimeko yakho kunye nemali. Kukho izicwangciso zokuhlawula iikhodi zoqhagamshelwano apho uhlawula inxalenye yindleko yokunakekelwa kwezempilo rhoqo.

Kukho i-HSA okanye izicwangciso zokulondolozwa kwempilo ezikhoyo apho ungasindisa khona kwi-deductible yakho kunye nezinye iindleko ezinxulumene nezempilo. Nge-HSA, unokufumana inzuzo yokuhlawula iphrimiyamu ephantsi yomgaqo-nkqubo okhutshwe ngokukhawuleza xa ulondoloze ukukhupha iindleko zakho ezikhutshwe kwii-pocket. Izicwangciso ze-HSA zithintela kwii-deductibles ukusuka kwi-$ 1,250 ukuya kwi-10 000. Inketho eyona nto ifikelelekayo yi-HSA70, apho uza kuhlawula i-inshurensi ye-30% emva kokuba udibene ne-deductible. Ukuba ufuna ezinye iinkcukacha ezipheleleyo, unokukhetha i-HSA100, apho uhlawula iindleko ze-$ 0 ngaphandle kwe-post-recket.

Okuhle nokubi

Iinkonzo

• Uzinzo lwezezimali
• Uninzi olukhulu lweendlela zokukhetha iinkqubo eziquka ii-HSA kunye neenkqubo zomshuwalense wexesha elifutshane
• Unokufumana isicatshulwa uze uthenge umgaqo-nkqubo wekhompyutha.

Umxhasi

• Ezinye izikhalazo malunga nemiba yenkonzo yabathengi
• Ukukhutshwa kwemida kunye nemigaqo-nkqubo ayitholakali kuwo onke amazwe

Iinkcukacha zoqhagamshelwano nenkampani

Ukufumana ulwazi oluninzi malunga nemveliso ye-inshurensi yempilo ekhoyo okanye ukufumana isicatshulwa, tyelela iWebhsayithi ye-United One Health okanye ubiza 800-444-8990.