In this article, we will be exploring UnitedHealthcare Florida plans and all their benefits, costs, and much more that you must know about before you hit the purchase button.
Find out about UHC and their availability, the types of plans, and how much it will cost with our easy-to-follow guide here at Cuspide. This article will help you decide if they are for you or if you should go with another company. Let’s begin!
Is there UnitedHealthcare in Florida?
Yes, in Florida UnitedHealthcare offers many different types of health insurance like short-term, ACA plans, and supplemental plans. Depending on your needs and circumstances, one may be a better choice for you than the other. This article will be based on the Obamacare plans (ACA) that UnitedHealthcare offers.
Let’s compare and see all the UHC plans available and see which one suits you best.
Short-term insurance
In the state of FL, United offers short-term health plans which offer temporary medical coverage. These plans are usually bought outside of enrollment periods, in between changing health plans, or even just for emergencies. While they do not provide the essential health benefits the ACA does, they will typically provide some coverage for things like doctor visits, emergencies, prescription drugs, etc.
Individual and family exchange plans
What this article will focus on is the ACA plans that are offered by UHC. In Florida, UnitedHealthcare offers individual and family plans through the health insurance marketplace. They rank as some of the best companies in the sunshine state. UHC has many plans with different benefits and prices for Floridians to choose from and are perfect for all income levels.
Supplemental plans
In the sunshine state, UHC offers supplemental insurance which includes vision and dental plans. While some of their ACA plans include dental and vision it is not as complete as their standalone plans. On top of that they also have accidental and critical illness insurance that has cash benefits which are paid to you directly. These go along perfectly with a traditional health insurance plan.
What UnitedHealthcare Florida plans are available?
In the Florida health insurance marketplace, there are 4 types of plans like HMO, EPO, PPO, and POS. UnitedHealthcare only offers HMO plans in the state of Florida. While these tend to be the “strictest” types of plans they also have their advantages. Let’s break down the UHC HMO plans.
UnitedHealthcare HMO plans
Health Maintenance Organization plans, more commonly known as HMOs, are the cheapest option that is found in the marketplace. This is mainly because of their restrictions like not being able to get out-of-network care and needing a referral from your PCP to see a specialist doctor. The good news is that HMO plans are going to save you the most money and monitor your health the best.
UHC offers their HMO plans through their 3 different tiers (Bronze, Silver, and Gold). The higher you go up the tier, the more you pay, with the silver tier being the perfect balance between monthly premiums and medical costs. Depending on which plan you choose they will have different benefits, copays, out-of-pocket expenses, etc.
The benefits of United Health Insurance Florida
Just like all the other companies under the ACA, UnitedHealthcare must provide members with the essential health benefits. These include:
- Outpatient care
- Hospitalization
- Emergencies
- Prescription medicine
- Newborn/maternity
- Mental health services
- Rehab/abuse
- Laboratories
- Preventive care
- Pediatrics
Keep in mind, depending on which plan you go with, the costs (copays) for these services will vary. On top of that UnitedHealthcare plans have their own unique benefits like free virtual visits, dental/vision, no cost urgent care, and more! Go over your plan with your agent and see what benefits it has.
What hospitals accept UnitedHealthcare in Florida?
In the state of Florida, UnitedHealthcare is accepted by many hospitals, most notably, Mayo Clinic, Baptist Health, AdventHealth, Cleveland Clinic, Jackson Memorial, and many more. This is possible because UHC has one of the biggest networks of providers throughout the nation, not just FL!
Companies under Obamacare offer their plans based on counties. While UHC operates in Florida, they are not in all the counties. As of 2024, UnitedHealthcare is in 33 counties in the state of Florida. Check out the list below or look at the provider map
Cape Coral – Fort Myers – Naples
Collier
Glades
Hendry
Lee
Deltona – Daytona Beach – Ormond Beach
Flagler
Volusia
Miami – Fort Lauderdale
Broward
Miami-Dade
Palm Beach
North Port – Sarasota – Bradenton
DeSoto
Manatee
Ocala
Marion
Orlando
Hardee
Highlands
Lake
Orange
Osceola
Polk
Seminole
Palm Bay – Melbourne – Titusville
Brevard
Pensacola
Escambia
Santa Rosa
Tallahassee
Calhoun
Gadsden
Jefferson
Leon
Liberty
Madison
Taylor
Wakulla
Tampa
Hillsborough
Pasco
Pinellas
It is possible that they are in your state but not your county so check with the list or map. Another cool feature about getting a UHC plan in Florida is that you will have access to care in the counties of “Baldwin” and “Mobile” in the state of Alabama.
United Health Insurance Florida providers map
Pros and Cons of UnitedHealthcare plans
While it has more good than bad it is important to know both sides so there are no surprises later. Let’s look at the pros and cons and the overall reviews of UHC in FL.
PROS
- Has adult dental and vision plans.
- One of the largest provider networks in the state.
- Higher than average NCQA rating.
- Free virtual urgent care and appointments.
CONS
- Silver plans can be costly.
- Limited to only HMO plans.
Reviews
Cuspide Rating: 4.2 stars
Overall, UnitedHealthcare is viewed in a positive light in the state of Florida. It has an A+ rating from AM Best and a higher-than-average NCQA rating of 3.53 stars out of 5. It is a solid choice of health coverage for Sunshine State residents. Let’s compare the rating systems from reputable sources from around the internet.
Investopedia
ValuePenguin
Insure
Forbes Advisor
Policygenius
From the top sources, UHC gets around a 4 star out of 5. As far as customers go, they still have slightly better than average reviews. While knowing reviews are good, don’t make it your main buying decision factor!
How much do UnitedHealthcare Florida plans cost?
In Florida, you can expect to pay around $500 a month for a UnitedHealthcare silver plan without a subsidy. With a subsidy, it will be hard to estimate because it is based on income, age, location, household size, and what type of plan you choose.
They are slightly more expensive than normal because they have one of the highest quality plans available in the marketplace. While they only have HMO plans to offer (which are the cheapest of the 4 types) they still have 3 tiers to choose from (bronze, silver, and gold). To save money on premiums, go with a bronze plan (although if you need medical care, you will pay the most for it).
Where does UnitedHealthcare rank in Florida?
According to Cuspide, UnitedHealthcare ranks as the 3rd best overall health insurance company in the state of Florida. We made a detailed top 5 health companies list where you can see who the best options are. UHC is not just a solid company in the sunshine state but one of the best in the nation.
Enroll in UnitedHealthcare Florida plans with Cuspide!
Compare all the UHC plans in the marketplace with Cuspide. Find doctors, make payments, keep up to date, and more with us! Want to find low-cost plans? Call us at (305) 970-8583.
Next steps...
While there are many companies to choose from in Florida, one of the finer choices individuals and families can make is UnitedHealthcare. This is based on costs, types of plans, benefits, and more.
While this article is based only on UHC, you must know that there are many other insurers out there. It is important to compare all the carriers available in the marketplace before deciding on the final.
However, if in the end it happens to be that a UnitedHealthcare plan comes out as the best choice for you, just know that you are covered by one of the best companies in the Florida marketplace.
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