UnitedHealthcare

The app is great for browsing, seeing your card, and how much you've spent for the year.It offers a wide range of health insurance products and services, including individual health insurance, group health insurance, Medicare and Medicaid plans, and other health management services.

Offer consumers different levels of network choice and fee structure through various insurance plans, including HMOs, PPOs and POS.

Unitedhealth makes money through premiums, copays, co-pays and other premiums, while increasing profit margins through risk management and cost control.

About this app

 Not all UHC plans are currently supported by the app, not all features are available for every plan

Managing health care on the go just got easier with the UnitedHealthcare app! It's designed to save you time by providing easy access to your information. 

Features available are based on your personal health plan and can include:

Find and Manage Providers

- Find doctors, specialists, or health care facilities with our guided and location-based search.

- Save your favorite doctors or facilities for easy access.

Manage Claims

- Review your claims by member, provider, status, facility, service or date.

- Review your claims payment breakdown and Explanation of Benefits.

ID Card

- Never lose your insurance card again! View and share your ID card.

View Cost Estimates

- Know how much you could pay for treatments and specialty services.

Reference Copays, deductibles, and out-of-pocket expenses

- View your copay, deductible, and out-of-pocket expenses.

View Account Balances

- Know your health reimbursement, flexible spending, and Optum Bank health savings account balances.

Easily Sign In

- Use HealthSafe ID (a new, enhanced login that lets you access nearly all UnitedHealthcare digital tools with one username and password) to securely access your app.

- Never forget your password again with fingerprint login.

Manage Your Health

- View personalized recommendations for preventative care.

Unitedhealth's unique business model:

Integrated Healthcare Provider Network: Through partnerships with hospitals, clinics and physicians, it provides its insurance customers with a broad network of healthcare services.

Data and Technology Driven: Leveraging advanced data analytics and information technology to increase service efficiency, reduce costs, and improve patient outcomes.

Diversified revenue streams: In addition to its traditional insurance business, UnitedHealth also generates revenue through services from its Optum division, including pharmacy benefit management and health management services.

Economies of scale: As one of the largest health insurers in the United States, UnitedHealth is able to use its scale to gain an advantage in price negotiations and cost control.

Unitedhealth's Barriers and Competitive advantages:

1. Strong brand effect and customer loyalty. Unitedhealth has good brand awareness and reputation in the medical insurance sector, and is able to attract and retain a large number of customers.

2. Huge customer base and extensive network of medical service providers. This gives Unitedhealth a lot of bargaining power and economies of scale.

3. Advanced risk prediction models and strong data analysis capabilities. This helps UnitedHealth effectively control costs and develop pricing strategies.

4. Vertically integrated operating model. Unitedhealth provides both health insurance and medical services to control health care costs as a whole.

5. Diversified business portfolio, including commercial medical, government medical, pharmaceutical services, etc. This spreads UnitedHealth's operational risk.

6. Efficient cost structure and operational efficiency. Unitedhealth has proven processes and extensive operational experience.

7. Strong financial strength to support business expansion and innovation.

8. Strict regulatory compliance. This provides certain policy barriers for Unitedhealth.

What's new

We’ve rolled out some changes to make our UHC app easier and more reliable to use.