Aflac vs. United Healthcare Insurance Company [2024]
Exploring the diverse landscape of Aflac and United Healthcare insurance companies unveils distinct approaches to coverage, with both providers offering a range of plans tailored to various needs, from traditional health coverage to supplementary options.
Free Health Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
Licensed Insurance Agent
UPDATED: Feb 26, 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: Feb 26, 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
AFLAC
Pros:
- Specializes in supplemental insurance, offering additional coverage beyond traditional health plans.
- Provides cash benefits directly to the insured to assist with living expenses when unable to work due to injury or illness.
- Offers various insurance plans covering accidents, critical illnesses, disability, and more.
- Guaranteed renewal policy regardless of health status or previous usage.
- Policies pay for lost wages, travel expenses, and daily living costs during recovery.
Cons:
- Supplemental coverage might not cover all medical expenses and can have limitations.
- May not provide comprehensive coverage like traditional health insurance plans.
- Limited coverage options compared to a full-scale health insurance provider.
Read more:
- Aetna vs. Aflac Health Insurance
- Aflac vs. American Family Life Insurance Company
- Aflac vs. Humana Health Insurance
Compare Insurance Providers Rates to Save Up to 75%
Secured with SHA-256 Encryption
United Healthcare
Pros:
- One of the largest health insurance providers in the United States.
- Offers a wide range of insurance plans including copay, high-deductible, and health savings accounts.
- Coverage for various life scenarios like short-term gaps in coverage due to life changes.
- Provides options for online claims processing and account management.
- Offers a variety of health plans catering to different needs and budgets.
Cons:
- High-deductible plans might require significant out-of-pocket expenses initially.
- Some prescription drugs or treatments might not be fully covered under certain plans.
- Limited flexibility in coverage compared to supplemental insurance.
AFLAC vs United Healthcare Insurance: What’s the difference?
United Healthcare Insurance Company is a division of UnitedHealth Group. It is one of the largest health insurance providers in the United States and they are known for providing quality insurance to their customers for an affordable price.
AFLAC is best known for providing health insurance supplements and is the largest provider of this type of insurance in the United States. Originally known as the American Family Life Assurance Company of Columbus, they began using just the initials AFLAC in 1990.
AFLAC policies provide funds if the insured customer is injured or ill and unable to continue working during their recovery time. In business for over 50 years, AFLAC has thrived despite the economic slump in part because they are not a traditional health insurance provider.
Compare Insurance Providers Rates to Save Up to 75%
Secured with SHA-256 Encryption
What is Supplemental Insurance?
Carrying traditional health insurance can help to pay medical bills that may come up, however, in some cases, it simply may not be enough. As medical expenses increase or accidents and diseases occur, it is possible that a traditional insurance plan won’t cover certain care, conditions, or long-term care treatment. As bills add up a family can quickly find themselves buried in financial ruin.
Most medical insurance companies pay for care by physicians and hospitals. AFLAC is different, they describe themselves as “insurance for daily living”. The benefits are paid in cash, directly to the insured, and are intended to assist with living expenses when the customer is unable to work.
Supplemental insurance is exactly that, a supplement to a traditional health insurance plan. AFLAC provides insurance to help pay for what the major medical insurance companies like United Healthcare don’t cover.
In fact, supplemental coverage fills in the gaps of traditional coverage. However, supplemental insurance isn’t comprehensive, rather it works alone and covers the gaps of a typical health insurance policy. The benefits are paid directly to the policyholder, in order to overcome the financial worry of an unexpected hospital stay, illness, or an accident.
Supplemental coverage also pays for lost wages, travel costs from plane tickets, or hotel lodging if you have to travel to see a doctor/specialist.
What Policies Does AFLAC offer?
AFLAC offers policies that will pay cash benefits to the insured for the following illnesses and events:
- Accident
- Cancer/Specified Disease
- Critical Care and Recovery
- Dental
- Hospital Confinement Indemnity
- Hospital Confinement Sickness Indemnity
- Hospital Intensive Care
- Juvenile Life
- Life
- Lump Sum Cancer
- Lump Sum Critical Illness
- Short Term Disability
- Vision
What is a Lump sum Policy?
Lump sum cancer insurance and critical illness policies pay the insured with a pre-determined amount if the covered person is diagnosed with any form of cancer or being treated for a critical illness such as heart attack, stroke, coma, organ transplant, paralysis, or renal failure.
According to the American Cancer Society, one in five people diagnosed with cancer use their entire savings while fighting the disease. Those stricken with a critical illness face unexpected medical costs in addition to deductibles and copays.
Out-of-network specialists, experimental treatments, extended hospital stays, and daily living expenses while not able to work add up quickly. Receiving a lump sum benefit from AFLAC helps ease these financial burdens.
Compare Insurance Providers Rates to Save Up to 75% Secured with SHA-256 Encryption
Compare Insurance Providers Rates to Save Up to 75%
Secured with SHA-256 Encryption
What is AFLAC’s Guaranteed Renewal Policy?
One of the biggest reasons AFLAC is so successful is their guaranteed renewal policy. As long as policy premiums are paid, all insurance policies may be renewed every year regardless of how many times a previous health insurance policy was used or the customer’s current state of health. This benefit is ideal for people suffering with chronic pain, chronic diseases, or otherwise requiring ongoing care.
What Types of Insurance Plans Does United Healthcare Offer?
United Healthcare offers six different types of policies:
- Copay – the insured pays a small co-payment to hospitals and physicians for most health care expenses.
- High-Deductible – the insured pays out of pocket for most routine health care expenses up to a certain amount.
- Health Savings Account – gives the insured more control over how their health care money is spent.
- Short-Term – for people who have lost group coverage due to the loss of a job or life change such as divorce.
- Student coverage
- Dental
What are United Healthcare’s Copay Insurance Plans?
The patient is responsible for paying a copayment, a low fixed amount, for office visits and prescription drugs. United Healthcare will then cover the remainder of the cost up to a specified limit as long as the physician with within the Preferred Provider Organization (PPO). Often preventative care visits do not require a copayment and are covered 100% by the plan.
It is important to be aware that some health plans only cover generic prescription drugs only. Sometimes even if coverage includes brand-name medications, there could be some that simply aren’t covered on the plan. It is always wise to double-check any medications that are needed with the medications covered under the plan.
Compare Insurance Providers Rates to Save Up to 75%
Secured with SHA-256 Encryption
What are United Healthcare’s High Deductible Plans?
A deductible is the amount that needs to be paid for out-of-pocket expenses before the insurance company will pay for any health care expenses. With a high deductible plan, the premium is much lower than a copay plan, but the insured will need to pay out of pocket for most of their medical expenses until they reach the deductible amount. Once the deductible is met United Healthcare covers any further expenses.
What are United Healthcare’s Health Savings Accounts?
The health savings account combines a high-deductible insurance plan with a tax-advantaged savings account. Money that would normally be spent on premiums is instead moved to the HAS (Health savings account) and then can be used to pay medical expenses until the deductible is met. This gives the subscriber more control of their health care funds, lower premiums, and tax savings at the end of the year.
What is United Healthcare’s Short-Term Medical?
Life changes and job loss can cause gaps in health insurance coverage. A short-term medical insurance plan can help keep people insured through these transition periods until long-term care insurance coverage can be secured.
United Healthcare offers coverage periods from one to eleven months long, and the plan can be canceled at any time without incurring a penalty. These types of plans are great for people who are:
- Unemployed
- Young adults no longer covered under a parent’s insurance
- Retiree
- Newly divorced
- Someone waiting for new coverage to start
Compare Insurance Providers Rates to Save Up to 75%
Secured with SHA-256 Encryption
Do Both Companies Offer Traditional and Supplemental Insurance Products?
AFLAC and United Healthcare offer two different types of insurance and each company provides many ways to customize the plans to every need and budget. Picking the right policy for an individual or family can be confusing.
Both companies have representatives with deep knowledge of their policies and can help customers decide on the best plans for them. In the case of AFLAC vs United Healthcare, these are two insurance companies that can complement one another.
Aflac vs. United Healthcare Insurance Company: Streamlined Claims Process Unveiled
Ease of Filing a Claim
When it comes to the claims process, both AFLAC and United Healthcare offer user-friendly options for policyholders. Customers can file claims conveniently through online portals, over the phone, or via dedicated mobile apps. This flexibility ensures that policyholders can choose the method that best suits their preferences and needs.
Average Claim Processing Time
The average claim processing time is a crucial factor in assessing an insurance provider’s efficiency. While specific processing times may vary depending on the type of claim and its complexity, both AFLAC and United Healthcare are committed to quick and efficient claims processing.
However, policyholders should consult their respective policy terms and conditions for detailed information on processing times for specific claims.
Customer Feedback on Claim Resolutions and Payouts
To gauge the effectiveness of an insurance company’s claims process, it’s essential to consider customer feedback. Both AFLAC and United Healthcare have received feedback from policyholders regarding their claim resolutions and payouts. This feedback can provide valuable insights into the overall customer satisfaction with how claims are handled.
Prospective policyholders should review customer reviews and ratings to make informed decisions about their insurance choices.
Aflac vs. United Healthcare Insurance Company: Cutting-Edge Digital and Tech Features Compared
Mobile App Features and Functionality
In today’s digital age, insurance companies must offer robust mobile app features and functionality to enhance the customer experience. AFLAC and United Healthcare have invested in mobile apps that allow policyholders to manage their accounts, file claims, access policy documents, and track their coverage conveniently from their smartphones or tablets.
These apps offer a user-friendly interface and a range of features to streamline insurance-related tasks.
Online Account Management Capabilities
Effective online account management is a key component of modern insurance services. Both AFLAC and United Healthcare provide policyholders with secure online portals where they can manage their policies, view coverage details, make premium payments, and update personal information. These online account management capabilities contribute to a seamless and efficient customer experience.
Digital Tools and Resources
To empower policyholders and enhance their understanding of insurance, both AFLAC and United Healthcare offer a variety of digital tools and resources. These resources may include educational articles, calculators, coverage guides, and wellness programs. These digital tools are designed to help policyholders make informed decisions about their insurance coverage and overall health.
Compare Insurance Providers Rates to Save Up to 75%
Secured with SHA-256 Encryption
Frequently Asked Questions
What is the difference between AFLAC and United Healthcare Insurance?
AFLAC is known for providing health insurance supplements and is the largest provider of this type of insurance in the United States. They offer cash benefits directly to the insured to assist with living expenses when the customer is unable to work. United Healthcare is one of the largest health insurance providers in the United States, offering traditional health insurance plans at an affordable price.
Do both AFLAC and United Healthcare offer traditional and supplemental insurance products?
Yes, both AFLAC and United Healthcare offer traditional health insurance plans as well as supplemental insurance options. They can complement each other in providing comprehensive coverage.
What policies does AFLAC offer?
AFLAC offers policies that provide cash benefits for illnesses and events such as cancer, critical illnesses, accidents, hospital stays, surgeries, and disability.
What types of insurance plans does United Healthcare offer?
United Healthcare offers six types of insurance plans: copay plans, high deductible plans, health savings accounts (HSA), short-term medical plans, catastrophic plans, and Medicare plans.
What is AFLAC’s guaranteed renewal policy?
AFLAC offers a guaranteed renewal policy, meaning that as long as the premiums are paid, all insurance policies can be renewed every year regardless of the customer’s health status or how many times the policy has been used.
What types of insurance plans does United Healthcare offer?
United Healthcare offers six types of insurance plans: copay plans, high deductible plans, health savings accounts (HSA), short-term medical plans, catastrophic plans, and Medicare plans.
Compare Insurance Providers Rates to Save Up to 75%
Secured with SHA-256 Encryption
Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
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.