Health cover that looks after the bill too

We are there when you need us.

UnitedCare helps your people use the cover they already have, stay well, and never pay more than their plan actually says they owe. When a bill is wrong, we take it on — and we bring the evidence.

Sign inHow it works
  • Field-level PHI encryption
  • Tamper-evident audit trail
  • HIPAA Safe Harbor reporting

The protection we bring

Cover only protects you if someone is checking it.

A health plan is a promise written down. UnitedCare is the part that holds the promise to account — before care, at the point of care, and afterwards when the bill arrives.

Know before you go

What a visit or procedure will actually cost under your plan, and whether the provider is genuinely in network — checked before the appointment, not discovered on the bill.

Use the cover you already have

Cards, plan documents and benefits in one place, so preventive care your plan already covers at no charge gets used instead of missed.

Never quietly overpay

Every claim checked against what your plan document actually promises. When the two disagree, we take it up — with the citation, the deadline and the proof of delivery.

Right now, nobody checks the bill on behalf of the person paying it.

There is a large industry helping insurers pay less, and a real industry helping providers collect more. Almost nothing stands with the household and the employer who actually bear the cost.

$5.3T

US national health expenditure, 2024 — 18.0% of GDP, $15,474 per person

CMS NHE data

$760–935B

Estimated annual waste, of which $230–241B is pricing failure

Shrank, Rogstad & Parekh, JAMA 2019

6.55%

Medicare fee-for-service improper payment rate, FY2025 — $28.8B

CMS CERT programme

Disputing a medical bill is already the norm. Resolving one is not.

Among US adults carrying health care debt, most who spot an error do challenge it. Only about half reach a resolution — and a third are sent to collections regardless.

Received a bill they believed contained an error
53%
Disputed it
79%
Got it resolved
~50%
Had a disputed bill sent to collections anyway
32%

KFF Health Care Debt Survey, fielded 25 Feb – 20 Mar 2022.

The engine inside

BlueHalo

Document in, defensible appeal out.

  1. 01

    Ingest

    EOBs and plan documents

  2. 02

    Analyse

    Rules first, then reasoning

  3. 03

    Draft

    Cited to the provision

  4. 04

    Dispatch

    Certified, tracked, provable

  5. 05

    Escalate

    Every deadline computed

Live todayExpected-responsibility engineAccumulatorCited appeal draftingCertified dispatch trackingDeadline escalationSafe Harbor sponsor reporting

Security

Compliance is the product, not the packaging.

You are handing us health information about your people. The posture is a precondition, not a feature we charge for.

Disputes turn on when a letter was received. A tamper-evident record plus carrier-independent delivery tracking turns that from one party's assertion into evidence.

  • Field-level encryption of PHI at rest

  • SHA-256 hash-chained, tamper-evident audit log

  • Short-lived access tokens, rotated refresh tokens, TOTP MFA

  • PHI scrubbed before any error telemetry leaves the system

  • HIPAA Safe Harbor de-identification with small-cell suppression

For employers

See your own plan clearly.

The arguments that win come from the plan document, not the claim. That is what finds the misconfiguration hitting everyone — not just whoever complained.

Start with a retrospective

Twelve months of claims. Findings and a dollar figure, before any appeal is filed.

Per employee, per month

Predictable, plus a capped share of what we recover. Never pure contingency.

Free to the member

Funded by you. Nobody pays at the moment they need help.

See what a year of your claims actually says.

A fixed-fee look back over twelve months — findings and a dollar figure, before a single appeal is filed.

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