Unicare Life & Health Insurance Company Review (2024)

Unicare Life & Health Insurance Company, a trusted industry leader, provides a diverse range of insurance solutions, from health and life to dental and disability coverage, emphasizing a rich history, commitment to customer satisfaction, user-friendly online services, and various discounts.

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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Unicare Life & Health Insurance Company

Average monthly rate for healthy individuals:

N/A

A.M. Best rating:

A-

Complaint level:

Low

Pros

  • Comprehensive insurance options
  • High customer satisfaction
  • Flexible premium plans
  • Extensive network of healthcare providers
  • 24/7 customer support

Cons

  • Limited focus on auto insurance (primarily health and life insurance)

In this comprehensive article, we explore Unicare Life & Health Insurance Company, a trusted leader in the insurance industry. Unicare offers a diverse array of insurance products, including health, life, dental, vision, and disability insurance, tailored to meet the unique needs of individuals and families.

Delving into the company’s rich history, coverage details, and standout benefits, we highlight Unicare’s commitment to customer satisfaction, affordability, and flexibility. With a user-friendly online platform and an emphasis on preventive care, Unicare stands as a beacon of trust, offering various discounts to make insurance more accessible.

Unicare Life & Health Insurance Company Insurance Coverage Options

Unicare Life & Health Insurance Company is your trusted partner in safeguarding your health and financial well-being. With a diverse range of insurance policies tailored to your unique needs, Unicare ensures you have peace of mind in every aspect of life.

Health Insurance

  • Comprehensive health coverage
  • Medical expenses
  • Routine check-ups
  • Major surgeries

Life Insurance

  • Financial security for your loved ones in the event of your passing.
  • Flexible terms and coverage options.

Disability Insurance

  • Protect your income if you can’t work due to illness or injury, providing peace of mind during challenging times.

Long-Term Care Insurance

  • Medical care
  • Assisted living costs while preserving your assets
  • Personalized solutions

Dental Insurance

  • Coverage for check-ups
  • Cleaning and dental procedures coverage

Unicare Life & Health Insurance Company understands the importance of comprehensive insurance coverage tailored to your unique needs. With flexible options and a commitment to your peace of mind, Unicare is your partner in protecting what matters most.

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Unicare Life & Health Insurance Company Insurance Rates Breakdown

Driver ProfileUnicareNational Average
Clean Record$75$119
1+ Ticket$121$147
1+ Accident$142$173
DUI$160$209
Poor Credit$129$205

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

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Unicare Life & Health Insurance Company Discounts Available

DiscountsUnicare
Anti Theft11%
Good Student19%
Low Mileage15%
Paperless13%
Safe Driver23%
Senior Driver16%

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The discounts can play a significant role in making insurance policies more affordable for individuals and families. Here’s a bullet list highlighting some of the discounts you can expect when choosing Unicare:

  • Multi-Policy Discount: Unicare rewards policyholders who choose to bundle multiple insurance policies. By combining health, life, dental, vision, and more, you can enjoy substantial savings on your premiums.
  • Family Discounts: Families often have multiple members who need coverage. Unicare offers family-friendly pricing, ensuring that families receive discounts when insuring multiple family members under one policy.
  • Healthy Lifestyle Discounts: If you lead a healthy lifestyle and maintain regular health check-ups, Unicare may offer you discounts on your health insurance premiums. This encourages policyholders to prioritize preventive care.
  • Safe Driver Discounts: For policyholders with auto insurance, Unicare offers safe driver discounts. If you have a clean driving record and maintain safe driving habits, you can enjoy reduced insurance costs.
  • Long-Term Policyholder Discounts: Loyalty is appreciated at Unicare. Policyholders who remain with the company for an extended period often receive loyalty discounts as a token of appreciation for their continued trust.
  • Group Discounts: Unicare offers group insurance plans for businesses and organizations. These group plans often come with discounted rates, making it cost-effective for employers to provide insurance coverage to their employees.
  • Senior Citizen Discounts: Unicare recognizes the needs of senior citizens and offers special discounts to cater to their unique healthcare and insurance requirements.
  • Payment Method Discounts: Some insurance companies offer discounts based on your chosen payment method. Unicare may offer lower premiums to policyholders who opt for automatic electronic payments.
  • Renewal Discounts: Renewing your policy with Unicare can come with discounts, as they value customers who choose to stay with them year after year.

It’s essential to check with Unicare directly or with their authorized agents for specific details about these discounts, as eligibility criteria and availability may vary depending on your location and the type of policy you’re interested in. These discounts can significantly impact your insurance costs, explore which ones you may qualify for when considering Unicare for your insurance needs.

How Unicare Life & Health Insurance Company Ranks Among Providers

Unicare Life & Health Insurance Company operates in a competitive insurance industry where several well-established companies provide similar services. Understanding the main competitors of Unicare can help you make an informed decision when choosing an insurance provider. Here are some of Unicare’s main competitors:

  • Blue Cross Blue Shield: Blue Cross Blue Shield is a nationwide network of health insurance companies operating independently in different states. They offer a wide range of health insurance options and have a strong presence across the United States. Their extensive network of healthcare providers and comprehensive coverage options makes them a formidable competitor.
  • Unitedhealth Group: Unitedhealth group is one of the largest health insurance companies in the United States. They offer a wide array of health insurance plans, including individual and group coverage. UnitedHealth is known for its innovation in healthcare and extensive network of healthcare providers.
  • Aetna: Aetna, a subsidiary of CVS Health, offers health insurance plans and related services to individuals, employers, and government agencies. They are known for their diverse range of plans, including wellness programs and Medicare coverage.
  • Cigna: Cigna is a global health services organization that provides health insurance, pharmacy, dental, behavioral health, and other related services. They have a strong focus on promoting overall health and well-being through their plans and programs.
  • Humana: Humana specializes in Medicare Advantage plans and offers a variety of health insurance options, including Medicare, dental, vision, and wellness programs. They have a significant presence in the senior healthcare market.
  • Anthem: Anthem is a major health insurance provider operating in various states. They offer individual, family, and group health insurance plans. Anthem is known for its wide network of doctors and hospitals.
  • Kaiser Permanente: Kaiser Permanente is an integrated healthcare system that offers both health insurance and healthcare services. They have their own network of doctors, hospitals, and clinics, providing comprehensive care to their members.
  • Molina Healthcare: Molina healthcare focuses on providing Medicaid and Medicare plans, making them a key player in government-sponsored healthcare programs. They cater to low-income individuals and families.
  • Centene Corporation: Centene specializes in Medicaid managed care and other government-sponsored health plans. They have a significant presence in the Medicaid market, serving vulnerable populations.
  • Aflac: Aflac is known for its supplemental insurance policies, including accident, cancer, and critical illness insurance. They offer policies designed to provide additional financial protection beyond traditional health insurance.

Read more: Molina Healthcare Insurance Review

It’s important to note that the competitive landscape in the insurance industry can vary by region, and each of these competitors may have strengths and weaknesses depending on your specific needs and location. It’s advisable to compare the coverage, pricing, customer service, and network of healthcare providers offered by these companies.

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Unicare Life & Health Insurance Company Claims Process

Ease of Filing a Claim (online, over the phone, mobile apps)

Unicare Life & Health Insurance Company offers a streamlined and user-friendly claims process for policyholders. Filing a claim can be done conveniently through various channels, including an online platform, over the phone, or via their mobile app.

The online portal provides a straightforward interface where policyholders can submit necessary documentation and details related to their claim. The availability of multiple filing options enhances accessibility and ensures a hassle-free experience for claimants.

Average Claim Processing Time

Unicare Life & Health Insurance Company places a strong emphasis on expediting the claim processing time to provide timely assistance to its policyholders.

The company is committed to efficiently assessing and resolving claims within a reasonable period. The average claim processing time is designed to meet industry standards and provide quick responses to policyholders, alleviating any undue stress during a challenging period.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback plays a vital role in evaluating the effectiveness of Unicare Life & Health Insurance Company’s claims process. The company values the opinions and experiences of its policyholders regarding claim resolutions and payouts.

Feedback is gathered to continually improve the claims process, ensuring that it remains customer-centric and results in satisfactory outcomes. Transparent communication and fair settlements contribute to positive feedback and foster a sense of trust between the company and its customers.

Unicare Life & Health Insurance Company Digital and Technological Features

Mobile App Features and Functionality

Unicare Life & Health Insurance Company’s mobile app offers a range of features and functionalities to enhance the overall customer experience.

The app provides a platform for policyholders to access their insurance information, view policy details, submit claims, track claim statuses, and receive updates on their mobile devices. Additionally, features like secure messaging and real-time alerts contribute to a comprehensive and convenient mobile app experience.

Online Account Management Capabilities

The online account management capabilities offered by Unicare Life & Health Insurance Company empower policyholders to efficiently manage their policies and accounts.

Through the online portal, policyholders can access and update personal information, review policy documents, make premium payments, and explore various insurance options. The user-friendly interface ensures a seamless online account management experience, promoting ease of use and accessibility.

Digital Tools and Resources

Unicare Life & Health Insurance Company provides a range of digital tools and resources to support and educate policyholders.

These resources may include informative articles, calculators, educational videos, and interactive content related to insurance and healthcare. By offering these digital tools, the company aims to enhance policyholders’ understanding of their insurance coverage and promote informed decision-making regarding their health and well-being.

Frequently Asked Questions

What types of insurance does Unicare Life & Health Insurance Company offer?

Unicare offers a wide range of insurance products, including health, life, dental, vision, and disability insurance.

How long has Unicare been in the insurance business?

Unicare has been serving customers for several decades, building a strong reputation in the industry.

Can I customize my insurance policy with Unicare?

Unicare offers flexible policy options to tailor coverage according to your unique needs.

Are there discounts available for families?

Yes, Unicare offers family-friendly pricing and discounts to ensure affordable coverage for families.

What are the advantages of Unicare’s online services?

Unicare’s online platform allows you to manage your policy, file claims, and get assistance conveniently.

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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%

secured lock Secured with SHA-256 Encryption