UnitedHealthcare vs Molina: Which is Best in 2021?

Here is a comparison between UnitedHealthcare vs Molina. This post will help you to select a suitable health insurance company for your health plan.

UnitedHealth Group Incorporated is an American for-profit health care organization founded in 1977. Headquartered in Minnetonka, Minnesota, UnitedHealthcare is a part of the UnitedHealth Group. It offers health care products and insurance services throughout the U.S. market. The total revenue of United Healthcare comprises 80% of the Group’s overall revenue.

Molina Healthcare is a U.S.-based managed care company established in 1980. Its headquarter is situated in Long Beach, California. Founded by Dr. C. David Molina, the President, and CEO of the company are Joseph M. Zubretsky. Molina provides health insurance to individuals through Medicaid and Medicare.

UnitedHealthcare vs Molina Health Insurance:

Here is a brief comparison between UnitedHealthcare and Molina:

Insurance Rating

Comparison UnitedHealthcare Molina
Medicare Start Rating 4.5 stars out of 5 3.5 stars out of 5
BBB Rating A+ F

Medicare Star Rating awards insurance companies with a star rating out of five. In this case, UnitedHealthcare is ahead of Molina (3.5 stars) with a 4.5-star rating. The Better Business Bureau (BBB) also gives ratings to the insurance companies on a scale of 100 points. According to BBB rating, Molina has secured “F” (0-59.99) which is the lowest rating of all. Meanwhile, UnitedHealthcare has scored the highest rating “A+” (97-100).

Advantages of UnitedHealthcare and Molina

The following are the advantages of UnitedHealthcare and Molina health insurance:

UnitedHealthcare Molina
Wide range of health insurance plans and benefits for Medicare and Medicaid members

Individual and family health plans for those who are not eligible for Medicaid or Medicare programs

Available in all the 50 states of the U.S.

Reasonable pricing of Medicare and Medicaid plans for people with low income

Affordable plans for people who are not eligible for Medicaid or Medicare

Disadvantages of UnitedHealthcare and Molina

UnitedHealthcare is the topmost health care insurance provider in the United States. Despite its popularity, UnitedHealthcare insurance plans are comparatively expensive than other health insurance providers in the US.

Molina offers Medicaid plans only in thirteen states – California, Florida, Illinois, Michigan, New Mexico, New York, Ohio, Puerto Rico, South Carolina, Texas, Utah, Washington, and Wisconsin.

Mobile Apps

UnitedHealthcare and Molina have smartphone apps for both the iOS and Android platforms. Let’s check their user ratings and the number of users.

UnitedHealthcare Molina
Platform iOS Android iOS Android
User Rating 4.5 / 5 4.6 / 6 4.6 / 5 2.9 / 5
Number of Users 10.1 K 16.3 K 1.6 K 351

From the table, it can be observed that the UnitedHealthcare app is very popular in both the OS platforms. On the contrary, the user rating and the number of users of the Molina app are very poor. You can use the Health4Me app from UnitedHealthcare to search for doctors and check your coverage and benefits. Meanwhile, the Molina app allows you to find healthcare professionals and facilities, view claims, pay bills. This is the main comparison on UnitedHealthcare vs Molina.

Enrolment Process

UnitedHealthcare and Molina offer health insurance plans through the health insurance marketplace. You can visit their website to know about the plan details. However, marketplaces are different in each state and have individual websites. If you are not sure which marketplace to choose, you can visit https://www.healthcare.gov/ for help.

Contact Information

UnitedHealthcare

Molina

Frequently Asked Questions

  1. What does the UnitedHealthcare dental cover?

UnitedHealthcare offers preventive dental care, basic services, and major services that cover –

  • Preventive Dental Care: cleanings, x-rays
  • Basic Service: fillings, extractions
  • Major Service: root canal, crown, etc.
  1. What are Molina’s dual options?

Molina offers a plan called Molina Dual Options that provide benefits of both Medicare and Medi-Cal to its members. This plan is also known as Cal MediConnect in California.

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