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Why Choose Us

Reasons why you should choose a UnitedHealthOneSM Health Plan


Over 30 million Americans trust UnitedHealthcare with their health insurance needs.1 Our network plans can ease access to care from physicians and hospitals nationwide. We have nearly three decades of experience serving customers with a variety of needs, including employers and individuals and families buying their own health coverage.


As part of the UnitedHealthcare family and underwriters of UnitedHealthOneSM plans, UnitedHealthcare Life Insurance Company and Golden Rule Insurance Company have driven the development of innovative health insurance products. For nearly 70 years, Golden Rule has served individuals and families purchasing their own health insurance. As a result, we understand the unique needs of individuals, like you, shopping for personal health insurance.

UnitedHealthcare Life Insurance Company is rated “A” (Excellent) by A.M. Best (12-11-13). This worldwide, independent organization reviews insurance companies and other businesses and publishes opinions about them. This rating is an indication of our financial strength and stability.


We recognize that you want to get the most out of your health care dollars. Our customers benefit from discounts on health care coverage when using the UnitedHealthcare network. Our goal for every customer is an insurance plan at a price that fits his or her needs and budget.

Outstanding Claims Service

We recognize the importance of being responsive to the service needs of our customers. That’s why 94% of all health claims are processed within 12 working days or less.2

Preventive Care is Covered 100%

For UnitedHealthOneSM renewable health plans, you don’t need to meet your deductible before preventive care benefits are covered. Nor do they require coinsurance or copayments as long as these services are provided by an in-network doctor.
Learn more about what is included in Preventive Care.

Nationwide Network

Our plans provide access to the nationwide UnitedHealthcare network. That means if you have an emergency when traveling, it’s likely an in-network physician or hospital is nearby. Plus, our providers have agreed to lower fees for covered expenses.

Coverage for Your Children

Your children can benefit from coverage until they reach the age of 26.


In most states, UnitedHealthOneSM health plans are available as group coverage when you become a member of the Federation of American Consumers and Travelers (FACT). FACT members have access not only to UnitedHealthOneSM health plans, but also accidental death benefits and discounts on a wide range of services, pet coverage, and even travel expenses.

1 UnitedHealth Group Annual Form 10-K for year ending 12/31/2013. 2 Actual 2013 results.
For costs, benefits, exclusions, limitations, eligibility, and renewal terms, call a licensed Product Advisor to discuss your health insurance options at (800) 444-8990.