PacifiCare Life and Health Insurance Company: Customer Ratings & Reviews [2024]
Discover Pacificare Life and Health Insurance Company's comprehensive range of health and life insurance plans, tailored to safeguard individuals and families against unexpected medical expenses and income loss due to disability or death.
Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as a life insurance expert speaker at agent conventions and in top publications. As an independent licensed life insurance agent, he has helped clients nationwide to secure affordable coverage while making the...
Licensed Insurance Agent
UPDATED: Apr 23, 2024
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: Apr 23, 2024
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.
On This Page
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Pacificare Life and Health Insurance Company
Average Monthly Rate For Good Drivers
N/AA.M. Best Rating:
N/AComplaint Level:
LowPros
- Wide range of coverage options, including individual and group plans
- Coverage for medical expenses, prescription drugs, mental health, and preventive care
- Separate dental and vision insurance options available
- Coverage for pre-existing conditions
- Flexibility to change policies based on evolving needs
Cons
- Some customers have reported issues with customer service
- Plans may have high deductibles
Pacificare Life and Health Insurance Company is a subsidiary of UnitedHealth Group, offering a wide range of health and life insurance plans in select states. The company provides discounts for healthy behaviors, a wellness program to help customers maintain their health, and has a large network of healthcare providers.
However, some customers have reported issues with customer service, and plans may have high deductibles. Pacificare offers several ways to submit claims and has a mobile app called “MyUHCare” for customers to manage their health insurance and wellness programs.
Overall, Pacificare offers comprehensive health and life insurance plans for those looking to protect themselves and their families.
What You Should Know About Pacificare Life and Health Insurance Company
Company contact information:
- Phone: 1-800-624-8822
- Mailing address: PO Box 6007, Cypress, CA 90630
- Website: https://www.pacificare.com/
Related parent or child companies: Pacificare is a subsidiary of UnitedHealth Group, one of the largest healthcare companies in the world.
Financial ratings: Pacificare does not have a financial rating from A.M. Best, but as it is a subsidiary of UnitedHealth Group, it benefits from UnitedHealth Group’s strong financial ratings.
Customer service ratings: According to the Better Business Bureau (BBB), Pacificare has an A+ rating. However, it’s worth noting that the BBB has received very few customer reviews for the company.
Claims information: Pacificare offers several ways to submit claims, including online through their website, by mail, or over the phone. Their website also provides a tool to track the status of submitted claims.
Company apps: Pacificare offers a mobile app called “MyUHCare” for customers to manage their health insurance and wellness programs. The app is available for download on both iOS and Android devices.
Compare Insurance Providers Rates to Save Up to 75%
Secured with SHA-256 Encryption
Pacificare Life and Health Insurance Company Insurance Coverage Options
Pacificare Life and Health Insurance Company offers a range of coverage options to meet the needs of their customers. These coverage options include:
- Health Insurance: Pacificare offers individual and family health insurance plans that cover a range of medical services, including preventative care, emergency services, and prescription drug coverage.
- Dental Insurance: Pacificare offers dental insurance plans that cover preventative care, basic services like fillings and extractions, and major services like crowns and bridges.
- Vision Insurance: Pacificare offers vision insurance plans that cover routine eye exams, eyeglasses, and contact lenses.
- Life Insurance: Pacificare offers term life insurance plans that provide coverage for a set period of time, as well as whole life insurance plans that offer coverage for the policyholder’s entire life.
- Disability Insurance: Pacificare offers short-term and long-term disability insurance plans that provide income replacement if the policyholder becomes unable to work due to injury or illness.
Overall, Pacificare offers a variety of coverage options to meet the diverse needs of their customers, helping to protect them and their families from unexpected medical expenses and loss of income due to disability or death.
Pacificare Life and Health Insurance Company Insurance Rates Breakdown
Compare RatesStart Now →
"}” data-sheets-userformat=”{"2":4737,"3":{"1":0},"10":2,"12":0,"15":"Arial"}”>
| Driver Profile | PacifiCare | National Average |
|---|---|---|
| Clean Record | $110 | $119 |
| 1+ Ticket | $160 | $147 |
| 1+ Accident | $190 | $173 |
| DUI | $230 | $209 |
| Poor Credit | $189 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
Pacificare Life and Health Insurance Company Discounts Available
Compare RatesStart Now →
"}” data-sheets-userformat=”{"2":4737,"3":{"1":0},"10":2,"12":0,"15":"Arial"}”>
| Discount | PacifiCare |
|---|---|
| Anti Theft | 5% |
| Good Student | 10% |
| Low Mileage | 4% |
| Paperless | 3% |
| Safe Driver | 15% |
| Senior Driver | 8% |
Pacificare Life and Health Insurance Company provides several discounts to customers who engage in healthy behaviors or meet certain criteria. These discounts include:
- Healthy Behavior Discounts: Customers who participate in Pacificare’s wellness program and meet certain goals, such as completing a health risk assessment or quitting smoking, can earn discounts on their premiums.
- Family Discounts: Customers who add family members to their plan can receive discounted rates for each additional member.
- Multi-Plan Discounts: Customers who have more than one insurance plan with Pacificare, such as both health and life insurance, can receive a discount on their premiums.
- Employer Group Discounts: Customers who are part of an employer group plan through Pacificare may be eligible for group discounts.
- Age-Based Discounts: Some plans may offer discounts based on the age of the policyholder. For example, customers over a certain age may be eligible for lower rates.
Overall, Pacificare offers several ways for customers to save money on their insurance premiums, incentivizing healthy behaviors and rewarding customer loyalty.
Compare Insurance Providers Rates to Save Up to 75%
Secured with SHA-256 Encryption
How Pacificare Life and Health Insurance Company Ranks Among Providers
As a subsidiary of UnitedHealth Group, Pacificare Life and Health Insurance Company competes with other major health and life insurance providers in the industry. Some of its main competitors include:
- Blue Cross Blue Shield: Blue Cross Blue Shield is a federation of 36 independent, locally operated insurance companies that provide health insurance to individuals and families across the country.
- Aetna: Aetna is a subsidiary of CVS Health that offers a range of health insurance plans, including individual and family plans, Medicare plans, and employer-sponsored plans.
- Cigna: Cigna offers health, dental, and vision insurance plans to individuals, families, and employers, as well as Medicare plans and supplemental insurance options.
- Humana: Humana offers a range of health insurance plans, including individual and family plans, Medicare plans, and employer-sponsored plans, as well as dental and vision insurance options.
- Anthem: Anthem is one of the largest health insurance providers in the country, offering individual and family plans, Medicare plans, and employer-sponsored plans, as well as dental and vision insurance options.
Overall, Pacificare faces stiff competition from these and other major health and life insurance providers in the industry, each offering unique features and benefits to attract and retain customers.
Read more: Aetna vs. Health Net Insurance Company
Effortless Claims Process at Pacificare Life and Health Insurance Company
Ease of filing a claim (online, over the phone, mobile apps)
Pacificare offers various convenient methods for filing claims, including online submissions through their website, via phone, or by traditional mail. Additionally, they provide a user-friendly mobile app, “MyUHCare,” available for download on iOS and Android devices.
Average claim processing time
The average processing time for Pacificare’s claims may vary. Specific details regarding processing times are not explicitly provided in the available information.
Customer feedback on claim resolutions and payouts
Detailed customer feedback regarding claim resolutions and payouts for Pacificare is not explicitly outlined in the available content.
Cutting-Edge Digital and Technological Features at Pacificare Life and Health Insurance Company
Mobile app features and functionality
Pacificare’s mobile app, “MyUHCare,” offers comprehensive functionality allowing customers to manage their health insurance and wellness programs. Specific details about the features are available for download on both iOS and Android devices.
Online account management capabilities
The online account management capabilities offered by Pacificare are robust, providing customers with efficient tools for managing their insurance plans, claims, and wellness programs.
Digital tools and resources
While precise digital tools and resources are not explicitly mentioned, Pacificare emphasizes its commitment to providing digital solutions to manage insurance and wellness programs through its mobile app and online platform.
Compare Insurance Providers Rates to Save Up to 75%
Secured with SHA-256 Encryption
Frequently Asked Questions
What types of coverage does Pacificare offer in their health and life insurance plans?
Pacificare offers a diverse range of coverage options tailored to meet the needs of their customers, safeguarding against unforeseen medical expenses, disability, and death. They include coverage for various health-related expenses and protection against loss of income.
How can customers submit claims with Pacificare?
Pacificare provides multiple avenues for claim submissions, including online through their website, via mail, or over the phone. Additionally, they offer a tool on their website that allows customers to track the status of their submitted claims.
What discounts are available with Pacificare Life and Health Insurance Company?
Pacificare incentivizes healthy behaviors and customer loyalty by offering discounts to individuals engaging in healthy behaviors or meeting specific criteria. These discounts contribute to savings on insurance premiums.
How does Pacificare compare to other major health and life insurance providers in the industry?
As a subsidiary of UnitedHealth Group, Pacificare faces competition from various major providers in the industry. They each offer unique features and benefits, and Pacificare competes by providing a comprehensive range of plans and benefits.
What are the financial and customer service ratings for Pacificare?
While Pacificare does not have a financial rating from A.M. Best directly, as a subsidiary of UnitedHealth Group, it benefits from UnitedHealth Group’s strong financial ratings. The Better Business Bureau (BBB) has awarded Pacificare an A+ rating, though there have been relatively few customer reviews for the company.
Compare Insurance Providers Rates to Save Up to 75%
Secured with SHA-256 Encryption
Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as a life insurance expert speaker at agent conventions and in top publications. As an independent licensed life insurance agent, he has helped clients nationwide to secure affordable coverage while making the...
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.
![](/wp-content/uploads/dw/-"gARWt".png)
