Optum Insurance of Ohio, Inc. Review (2024)

Optum Insurance of Ohio, Inc. stands out as a reliable choice in the insurance landscape, offering a comprehensive range of coverage options, competitive rates, and a commitment to exceptional customer service.

UPDATED: Jun 14, 2024Fact Checked

Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Licensed Insurance Agent

UPDATED: Jun 14, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Jun 14, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Jun 14, 2024Fact Checked
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Optum Insurance of Ohio, Inc.

Average Monthly Rate For Good Drivers

$71

A.M. Best Rating:

A (Excellent)

Complaint Level:

Low

Pros

  • Comprehensive range of insurance products
  • Competitive rates
  • Responsive claims process
  • Strong network of healthcare providers (for health insurance)
  • Bundling options for multiple policies
  • Discounts for safe drivers and homeowners

Cons

  • Limited availability outside of Ohio

In this comprehensive article, we’ve delved into the world of Optum Insurance of Ohio, Inc., unveiling a diverse array of insurance solutions tailored to every aspect of life. From robust health insurance options with extensive provider networks to auto and home insurance that safeguard your assets, Optum delivers peace of mind.

Their life insurance offerings provide financial security for loved ones, while business and specialized coverage cater to unique needs. With competitive rates, responsive claims processing, and a focus on customer satisfaction, Optum’s commitment to your well-being shines through.

By offering discounts for safe drivers, homeowners, and bundling options, they make comprehensive coverage more accessible. In a crowded insurance landscape, Optum’s dedication to serving your needs and protecting what matters most makes them a standout choice in Ohio and beyond.

Optum Insurance of Ohio, Inc. Insurance Coverage Options

Explore a spectrum of protection with Optum Insurance of Ohio, Inc., where coverage options extend beyond the ordinary. From health and auto to home, life, business, and specialized insurance, Optum ensures a tailored shield for every facet of your life.

Health Insurance

  • Optum’s health insurance plans encompass individual, family, and group policies.
  • They provide access to a wide network of healthcare providers for your medical needs.
  • Coverage includes hospitalization, preventive care, prescription drugs, and more.

Auto Insurance

  • Auto insurance from Optum protects you in case of accidents, theft, or damage to your vehicle.
  • They offer various types of coverage, including liability, collision, and comprehensive plans.
  • Customizable options help tailor your policy to your specific driving habits and needs.

Home Insurance

  • Optum’s home insurance policies safeguard your home from unexpected disasters like fires, storms, and theft.
  • Coverage includes structural damage, personal property, liability protection, and additional living expenses in case of displacement.

Life Insurance

  • Optum offers a range of life insurance options, including term life, whole life, and universal life.
  • Life insurance provides financial security for your loved ones in case of your passing.
  • Policies can be tailored to your specific goals, such as income replacement or estate planning.

Business Insurance

  • Business insurance solutions cater to the unique needs of businesses.
  • Coverage includes liability protection, property insurance, and business interruption coverage.
  • It helps ensure the continuity and stability of your company, even in challenging times.

Specialized Coverage

  • Optum provides specialized coverage for unique situations.
  • This can include coverage for pets, travel insurance, and more, depending on your specific requirements.
  • These specialized policies offer tailored protection for specific aspects of your life or assets.

Optum Insurance of Ohio, Inc. weaves a fabric of security, providing not just coverage but peace of mind. With their diverse range of insurance options, Optum stands as a steadfast guardian, committed to safeguarding what matters most to you and your loved ones.

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Optum Insurance of Ohio, Inc. Insurance Rates Breakdown

Driver ProfileOptum Insurance of Ohio, Inc.National Average
Clean Record$144$124
1+ Ticket$159$149
1+ Accident$174$164
DUI$199$201
Poor Credit$248$213

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver

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Optum Insurance of Ohio, Inc. Discounts Available

DiscountOptum Insurance of Ohio, Inc.
Anti Theft2%
Good Student10%
Low Mileage5%
Paperless3%
Safe Driver9%
Senior Driver13%

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Optum Insurance of Ohio, Inc. offers several discounts to help policyholders save on their insurance premiums. Here’s a bullet list of the discounts provided by the company:

  • Safe Driver Discounts: Rewards policyholders with a history of safe driving, free from accidents or traffic violations.
  • Homeowner Discounts: Offers discounts to homeowners who take proactive measures to protect their property, such as installing security systems.
  • Bundling Discounts: Allows policyholders to save by bundling multiple insurance policies with Optum, such as combining auto and home insurance.
  • Group Discounts: Provides discounts for policyholders who are part of certain groups or organizations, offering additional savings opportunities.
  • Multi-Policy Discounts: Encourages customers to insure multiple vehicles or properties with Optum, resulting in reduced premiums.
  • Good Student Discounts: Rewards young drivers who maintain good grades in school with lower auto insurance rates.

These discounts not only make insurance more affordable but also incentivize responsible behavior and offer flexibility for customers to tailor their coverage to their specific needs while enjoying cost savings.

How Optum Insurance of Ohio, Inc. Ranks Among Providers

In a sea of insurance providers, it’s essential to understand how Optum Insurance of Ohio, Inc. stands among its competitors. Here are some general insights into the types of competitors a regional insurance company like Optum Insurance of Ohio might typically face:

  • National Insurance Carriers: Larger national insurance companies such as State Farm, Allstate, Geico, Progressive, and Nationwide often compete with regional insurers like Optum by offering a wide range of insurance products, significant advertising budgets, and established brand recognition.
  • Other Regional Insurers: Optum may face competition from other regional insurance providers operating in Ohio or neighboring states. These competitors may have a strong local presence and offer similar coverage options.
  • Mutual Insurance Companies: Mutual insurance companies like Mutual of Omaha and Erie Insurance are known for their personalized service and competitive rates, making them potential competitors for Optum.
  • Independent Insurance Agencies: Local and independent insurance agencies represent multiple insurance carriers and can offer a variety of insurance options to customers. They can be competitors in terms of providing choice to consumers.
  • Online Insurance Startups: Digital-first insurance startups, such as Lemonade or Root, are gaining popularity by offering streamlined, tech-driven experiences and competitive rates. While these may not be direct competitors for all insurance products, they represent a growing trend in the industry.
  • Credit Unions and Banks: Some credit unions and banks offer insurance products to their members or customers, potentially competing in the auto, home, or life insurance markets.

As we conclude our exploration of how Optum Insurance of Ohio, Inc. ranks among providers, one thing becomes clear: Optum’s commitment to comprehensive coverage, competitive rates, and exceptional customer service make it a standout choice.

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Optum Insurance of Ohio, Inc. Claims Process

Ease of Filing a Claim

Optum Insurance of Ohio, Inc. provides policyholders with multiple convenient options for filing insurance claims. Whether you prefer online submissions, phone assistance, or utilizing mobile apps, Optum makes the process accessible and hassle-free.

Average Claim Processing Time

One crucial aspect of an insurance provider’s performance is the speed at which they process claims. Optum Insurance of Ohio, Inc. prides itself on its prompt claim processing, ensuring that customers can swiftly receive the financial assistance they need during challenging times.

Customer Feedback on Claim Resolutions and Payouts

Customer satisfaction is paramount in the insurance industry, and Optum takes it seriously. The company consistently gathers feedback on claim resolutions and payouts to ensure that customers are content with the outcomes. This commitment to customer feedback helps Optum maintain its reputation as a reliable insurance provider.

Optum Insurance of Ohio, Inc. Digital and Technological Features

Mobile App Features and Functionality

Optum Insurance of Ohio, Inc. offers a robust mobile app with a wide range of features and functionality. Policyholders can conveniently manage their insurance accounts, file claims, track claim statuses, and access important policy information all from the palm of their hand.

Online Account Management Capabilities

For those who prefer managing their insurance accounts through a web browser, Optum provides a user-friendly online platform. Policyholders can log in to their accounts, review policy details, make payments, and update their information with ease.

Digital Tools and Resources

Optum Insurance of Ohio, Inc. equips its customers with a variety of digital tools and resources to enhance their insurance experience. These resources may include educational materials, FAQs, and online calculators, empowering policyholders to make informed decisions about their coverage and financial well-being.

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Frequently Asked Questions

Is Optum Insurance of Ohio, Inc. available only in Ohio?

No, while they have a strong presence in Ohio, Optum provides insurance solutions in several states across the USA.

What makes Optum’s health insurance different from others?

Optum’s health insurance offers a vast network of healthcare providers, comprehensive coverage, and flexible plans to cater to your specific needs.

Can I bundle multiple insurance policies with Optum?

Yes, Optum offers bundling options, allowing you to save on premiums when you combine multiple policies.

How do I file a claim with Optum Insurance?

Filing a claim with Optum is easy and can be done online or by contacting their customer service.

Do they offer discounts for safe drivers or homeowners?

Yes, Optum often provides discounts to policyholders with a history of safe driving and homeowners who take proactive measures to protect their property.

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Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Free Insurance Providers Comparison

Compare Insurance Providers Rates to Save Up to 75%

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