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UnitedHealthcare is one of the largest health insurance carriers in the country. Through Vivna, you can compare its medical, short-term, dental, vision, supplemental, and life plans. Best of all, our licensed agents help at no cost.
- ACA marketplace, short-term, and Tri-Term medical plans
- DentalWise, vision, and supplemental cash-benefit plans
- Free side-by-side comparisons with other top carriers
Vivna Insurance is an independent, authorized insurance broker licensed to sell UnitedHealthcare products. This website is operated by Vivna Insurance — not by UnitedHealthcare or its affiliates. UnitedHealthcare plans are offered through Vivna Insurance as an authorized FMO partner. All plan information, quotes, and enrollment assistance provided on this page are facilitated by licensed Vivna Insurance agents. For details specific to your situation, speak with a licensed Vivna agent at 888-730-6001. See our Privacy Policy for how we handle your information.
📍 UnitedHealthcare Marketplace Update: Georgia Changes
UnitedHealthcare will stop selling marketplace plans on Georgia Access for the coming plan year. However, it still plans to offer off-exchange plans in Georgia. Elsewhere, UnitedHealthcare marketplace plans continue in many states.
First, watch for mail from your carrier and your marketplace.
Then remember that only marketplace plans include premium tax credits.
Next, review prices and doctors from each carrier in your county.
Finally, pick a plan so coverage starts January 1.
Outside Georgia, prices and networks still change each year. So review your plan before it renews. Also, see our Georgia health insurance guide, compare Oscar and Ambetter, or read our open enrollment guide.
🏥 How UnitedHealthcare Plans Work With Vivna
UnitedHealthcare offers coverage for almost every need, from major medical to dental, vision, and life. As a result, you can build a complete plan with one trusted carrier. Then you add only the extra protection you want.
Meanwhile, our licensed agents compare UnitedHealthcare side by side with other carriers. That way, you see every option before you choose. Call 888-730-6001 at no cost.
🪜 How to Use Your Plan
First, tell us about your budget, doctors, and state.
Then we line up each option next to other carriers.
Next, we help you apply, and many plans start fast.
Finally, view ID cards, claims, and benefits online.
💡 Who Benefits Most
- 👪 Families who want medical, dental, and vision from one carrier
- ⏱️ People between jobs who need short-term coverage
- 💼 Self-employed workers building their own benefits
- 🛡️ Anyone who wants cash benefits for accidents or illness
🧭 Coverage Types We Help You Compare
⭐ Why Work With Vivna
UnitedHealthcare is a trusted name, but no single carrier fits everyone. Therefore, we compare it with Oscar, Ambetter, Molina, and more for you. Best of all, our help is free.
Learn more in our UHC plan options guide and our UHC provider network guide, or visit our UHC FAQ page. When you are ready, call 888-730-6001 or request a free quote.
🧭 UnitedHealthcare Plans We Offer
UnitedHealthcare offers much more than medical coverage. In fact, through Vivna you can compare its medical, dental, vision, supplemental, and life plans in one place. Tap any plan below to see how it works and which options fit you.
ACA Marketplace Plans
Bronze, Silver, Gold, and HSA options
UnitedHealthcare ACA marketplace plans cover essential health benefits, such as preventive care, prescriptions, and hospital stays. Also, they accept everyone, including people with pre-existing conditions. Plus, many households qualify for tax credits that lower the monthly premium.
Each metal level splits costs differently. For example, lower premiums usually mean higher deductibles. So the right level depends on how often you see a doctor.
Lowest premiums with higher deductibles, so they suit people who rarely need care.
Mid-range premiums, plus extra savings on deductibles when your income qualifies.
Higher premiums but lower costs at the doctor, where available.
Pair a high-deductible plan with a health savings account, so you save tax-free.
Fixed copays for many visits, so you know your cost upfront.
Best for families, self-employed workers, and anyone with ongoing health needs. Compare options on our health insurance plans page, or learn how metal levels compare.
Short-Term Medical Plans
Fast, flexible gap coverage
UnitedHealthcare short-term medical plans bridge a gap between other coverage. For example, they help after a job change or a missed enrollment window. Coverage can often start the next day. Plan lengths and availability vary by state.
However, short-term plans are not ACA plans. Therefore, they usually exclude pre-existing conditions and some essential benefits.
Core protection for hospital stays and surgery, plus emergency care when you need it.
Fixed copays for doctor visits, so routine care costs less.
Higher limits than base plans, so you get fuller protection.
The lowest premium, but it still covers hospital and emergency care.
Best for healthy people between jobs or waiting for other coverage to start. See plans on our short-term health insurance page, and compare short-term vs. ACA coverage.
Tri-Term Medical Plans
Up to three years of coverage
UnitedHealthcare Tri-Term plans extend short-term medical coverage for up to three years. As a result, you avoid reapplying every few months. Also, you can apply any time of year in approved states.
Like other short-term plans, though, Tri-Term plans are not ACA plans. So they do not cover pre-existing conditions.
Fixed copays start on day one, so doctor visits cost less.
Once you meet your deductible, the plan then pays 100% of eligible costs.
After the deductible, the plan pays 80% while you pay 20%.
Major medical protection, but at a lower premium.
The lowest premium, yet it still includes basic illness and injury benefits.
Best for self-employed workers, early retirees, and people between employer plans. Check your state on our Tri-Term plans page.
Health ProtectorGuard Plans
Fixed cash benefits for medical events
Health ProtectorGuard plans are fixed indemnity coverage. In other words, they pay set cash amounts directly to you after covered medical events. Then you decide how to spend it, such as on deductibles, copays, or bills.
However, these plans add to major medical coverage and never replace it.
Entry-level benefits, so the premium stays low.
A popular middle level, because it balances price and payout.
The top standard level, so your gap protection is stronger.
Richer benefit schedules than standard plans, and Guard 6000 pays the most.
Best for people with high-deductible plans who want a cash cushion. Learn more on our supplemental plans page.
Hospital SafeGuard GI & HospitalWise®
Daily cash when you are in the hospital
These hospital indemnity plans pay a fixed cash amount for each covered day in the hospital. As a result, a hospital stay does not drain your savings. Also, Hospital SafeGuard GI plans are guaranteed issue, so there are no health questions.
Daily hospital cash, even when you have health issues.
The highest daily benefits, while enrollment stays guaranteed issue.
Core hospital cash, so it costs the least each month.
Extra benefits too, such as ICU, surgery, and ER care.
Best for people with high hospital deductibles or past health issues. Read how the claims timeline works before you buy.
AccidentWise® Plans
Cash after a covered accident
AccidentWise® plans pay cash directly to you after a covered accidental injury. For example, they can help after a broken bone or an ER visit. Meanwhile, the Accident Pro Series adds targeted options, including one with guaranteed issue.
Core accident protection, especially for active people and young families.
A popular middle level, since surgery and therapy costs add up fast.
The highest benefit level, so serious injuries get the most help.
Specialized options, such as ExpenseGuard, ProGap, ProGuard, and ProGuard GI.
Best for athletes, parents, and people with physical jobs. Truck drivers can also read our truck driver coverage guide.
CriticalGuard™ Plans
A lump sum after a serious diagnosis
CriticalGuard™ plans pay a lump-sum cash benefit after a covered diagnosis. As a result, you can cover lost income, travel, or household bills during treatment. Still, these plans add to your health plan rather than replace it.
Pays a lump sum when you receive a first covered cancer diagnosis.
Pays a lump sum when you have a covered heart attack or stroke.
Both protections in one plan, so you pay one premium.
The broadest list, such as kidney failure and organ transplant.
Best for people with a family history of cancer or heart disease. Browse our supplemental insurance FAQs for more answers.
DentalWise Dental Plans
From preventive care to major work
DentalWise plans help pay for cleanings, fillings, and bigger work like crowns. Generally, preventive care is covered at or near 100% in network. Meanwhile, higher plans raise the annual maximum.
Preventive coverage, so cleanings, exams, and X-rays cost little.
Preventive and basic care, plus a higher yearly maximum than Basic.
Stronger benefits, especially for crowns, bridges, and major care.
The highest annual maximum, so big dental work costs less.
Best for families and anyone who expects dental work this year. Compare options on our dental insurance page.
Vision Plans
Eye exams, glasses, and contacts
Vision plans help pay for yearly eye exams, glasses, and contact lenses. In addition, an eye exam can spot health issues early. So a vision plan protects more than your eyesight.
One routine exam each benefit period, so your prescription stays current.
An allowance toward frames, and lenses are also covered.
An allowance toward contacts instead of glasses.
Discounts on laser vision correction when you use participating providers.
Best for anyone who wears glasses or contacts. See plans on our vision insurance page or dental and vision bundles.
Term Life SafeGuard
Simple, affordable term life coverage
Term Life SafeGuard pays a tax-free death benefit to the people you name. Also, premiums stay level for the whole term. As a result, your family can cover the mortgage, debts, or daily bills.
A lump sum, so your beneficiaries can cover any need.
Choose a term that lasts until your mortgage is paid or your children are grown.
Your rate stays the same until the term ends.
Income replacement, especially for parents and single-income homes.
Best for parents, homeowners, and business owners. Compare options on our life insurance plans page.
Not sure which plans fit together? For example, many members pair a medical plan with dental, vision, and an accident plan. Call 888-730-6001, and we will build your plan with you at no cost.
🤝 Compare UnitedHealthcare With Other Top Carriers
In fact, UnitedHealthcare is one of many trusted carriers we work with. So compare it side by side with these names to find your best price and network.
Ambetter Health →
Molina Healthcare →
Blue Cross Blue Shield
AflacCarrier and plan availability vary by state. Call 888-730-6001 to see what’s available where you live.
🗺️ Find UnitedHealthcare Plans in Your State
UnitedHealthcare medical, dental, and supplemental plans vary by state. So click your state to see local options from UnitedHealthcare and every other carrier we work with.
📍 Browse All State Guides
- Alabama
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, D.C.
- West Virginia
- Wisconsin
- Wyoming
Not sure which plan fits? A licensed agent can compare options in your state at no cost. Call 888-730-6001 today.
❓ UnitedHealthcare FAQs
UnitedHealthcare sells many kinds of coverage, so shoppers have lots of questions. Below, our licensed agents answer the most common ones about medical, supplemental, dental, and life plans.
🏥 UnitedHealthcare Medical Plans
What types of plans does UnitedHealthcare offer?
Through Vivna, UnitedHealthcare offers ACA marketplace, short-term, and Tri-Term medical plans. In addition, it sells dental, vision, supplemental, and term life coverage. So one carrier can meet most of your needs. Explore our UHC plan options guide for details.
Do UnitedHealthcare short-term plans cover pre-existing conditions?
No. Short-term and Tri-Term plans are not ACA plans. Therefore, they usually exclude pre-existing conditions and some essential benefits. However, ACA marketplace plans do cover them. Compare both in short-term vs. ACA coverage, or see our Tri-Term plans page.
Can I keep my doctor with a UnitedHealthcare plan?
Often, yes, because UnitedHealthcare runs one of the largest networks in the country. Still, networks differ by plan and county. So check your doctors before you enroll. Our guide to the UHC provider network shows you how. Also, see how health insurance billing works.
🛡️ Supplemental, Dental & Vision
What is UnitedHealthcare fixed indemnity insurance?
Fixed indemnity plans, like Health ProtectorGuard and Hospital SafeGuard GI, pay set cash amounts for covered events. Then you spend the money however you need. For example, it can help with deductibles or lost income. However, these plans add to major medical coverage and never replace it. Learn more on our supplemental plans page.
What is the difference between AccidentWise and CriticalGuard?
AccidentWise® pays cash after a covered accidental injury, such as a broken bone. In contrast, CriticalGuard™ pays a lump sum after a covered diagnosis, such as cancer or a stroke. As a result, many people pair the two. Also, browse our supplemental insurance FAQs.
Does UnitedHealthcare offer dental and vision insurance?
Yes. DentalWise plans range from basic preventive coverage to Max plans with higher yearly maximums. Meanwhile, vision plans help pay for eye exams, glasses, and contacts. Compare options on our dental plans page and our vision plans page.
🤝 Changes & Enrollment
Is UnitedHealthcare leaving the Georgia marketplace?
Yes. UnitedHealthcare will stop selling plans on Georgia Access, the state marketplace, for the coming plan year. However, it still plans to offer off-exchange plans in Georgia. Those plans do not include tax credits, though. So compare marketplace options on our Georgia health insurance page.
How do I enroll in a UnitedHealthcare plan?
Simply call 888-730-6001 or request a free quote online. First, we review your needs, budget, and state. Then we compare UnitedHealthcare with Oscar, Ambetter, and other carriers. Finally, we help you enroll. Also, browse our UHC FAQ page.
Answers are general, and plan details vary by carrier and state. Call 888-730-6001 to confirm your options.
📚 UnitedHealthcare Tips & Guides
Coverage decisions are easier when you know the basics. So our licensed agents write these guides to explain your options, costs, and enrollment. Then, if a question comes up after reading, call 888-730-6001 anytime.
📚 More UnitedHealthcare Guides
🧩 Related Coverage & FAQs
📞 Questions About UnitedHealthcare Coverage?
UnitedHealthcare offers many choices, but the right plan depends on your state, doctors, and budget. Therefore, our licensed agents compare UnitedHealthcare with other top carriers for you.
Best of all, our help costs you nothing. Request your free quote online, or call 888-730-6001 to speak with an agent today. You can also reach us through our contact page.
- 📞 888-730-6001
- ✉️ memberservices@vivna.net
- 📍 Deerfield Beach, Florida
Official resources: the UHC official website, HealthCare.gov, and the National Association of Insurance Commissioners.