Insurer profile · UnitedHealth Group · NAIC + CMS

UnitedHealthcare of North Carolina, Inc

UnitedHealthcare of North Carolina, Inc's complaint record, claim-denial rate and reputation grade, drawn from published NAIC complaint data and CMS Transparency in Coverage.

D
Reputation grade
27.7%
Claims denied
1
States (CMS data)

The verdict

UnitedHealthcare of North Carolina, Inc earns a D reputation grade - a worse-than-average record versus peers, according to CMS Transparency in Coverage filings, 27.7% of its marketplace claims were denied across 1 state.

D
reputation grade
27.7%
claims denied (CMS)
DDD
Reputation grade D (composite score 23.8) - A=Excellent, F=Failing. Based on NAIC complaint ratios and CMS denial data.

Graded on 1 of 3 measures: claim denials. The score is rescaled across the measures available, so it is not directly comparable with a carrier graded on more of them.

How we calculated this grade →

NAIC CIS filing desk

NAIC NAIC D · 23.8

GRADE-D · INDEX-UNK · DENIAL-HOT · RANK-UNK · PHOTO-SOLO · LINES-0 · BOOK-MID

  • GRADE-D D · 23.8
  • INDEX-UNK Index blank
  • DENIAL-HOT 27.7% denied
  • RANK-UNK Rank pending
  • PHOTO-SOLO No peer gap
  • LINES-0 No lines
  • BOOK-MID 3/7 fields

Instrument codes from this carrier’s NAIC Consumer Information Source filing: grade band, complaint index, CMS denial band, corpus rank, photo-finish peer, line book, and field completeness. Not an official NAIC rating.

CMS marketplace filing

Reported appeal outcomes for UnitedHealthcare of North Carolina, Inc

1,407
appeals filed
526
overturned (reported outcomes)
37.4%
of appeals with a reported outcome

The reported appeals on this profile come from North Carolina (1,407 filed, 526 overturned).

CMS reports an overturn outcome for 1,407 of these 1,407 filed appeals; missing outcomes are excluded from the percentage. These filing totals are not a prediction for an individual appeal. View the CMS source ↗

What the NAIC filing desk shows for UnitedHealthcare of North Carolina, Inc

UnitedHealthcare of North Carolina, Inc's filing desk summarizes the NAIC complaint record and any CMS marketplace denial data on file.

See where UnitedHealthcare of North Carolina, Inc sits against every reporting carrier in the claim-denial rate ranking. Appeal notes for UnitedHealthcare of North Carolina.

Nationwide insurers with similar scores or complaint volume

Two corpus-wide peer sets for UnitedHealthcare of North Carolina, Inc: nearest national-scale carriers by composite score and by NAIC complaint volume. These are cross-market neighborhoods, not the corporate-family list or same-grade chips above.

Similar composite score

Nearest carriers by composite score (23.8 here). Floored at 50+ complaints and 5+ states.

Globe Life 25.2 Esurance (Allstate) 20.8 Mercury Insurance 28.8 Farmers Property 33.2
Aggregates only, not advice. Full terms on the disclaimer.

UnitedHealthcare of North Carolina, Inc is part of the UnitedHealth Group family, alongside UnitedHealthcare, UnitedHealthcare of South Carolina, Inc., UnitedHealthcare of Ohio, Inc., UnitedHealthcare of Texas, Inc., and 2 more in PlainInsurer's dataset -- a shared parent doesn't mean shared performance, so check each subsidiary's own record before assuming they behave alike.

Questions about UnitedHealthcare of North Carolina, Inc

What does UnitedHealthcare of North Carolina, Inc's grade mean?
UnitedHealthcare of North Carolina, Inc received a grade of D, indicating a worse-than-average record versus peers.
How many complaints does UnitedHealthcare of North Carolina, Inc have?
NAIC's public bulk data does not include a complaint-volume estimate for UnitedHealthcare of North Carolina, Inc - the carrier may be new, small, or file under a parent company. Absence of an estimate is missing data, not evidence of zero complaints.
How do I file a complaint against UnitedHealthcare of North Carolina, Inc?
File against UnitedHealthcare of North Carolina, Inc through your state's Department of Insurance or the NAIC consumer portal at naic.org.
Is UnitedHealthcare of North Carolina, Inc a good insurance company?
PlainInsurer's D grade for UnitedHealthcare of North Carolina, Inc reflects a worse-than-average record versus peers relative to peers on published complaint and denial data.
What types of insurance does UnitedHealthcare of North Carolina, Inc offer?
Detailed line-of-business data isn't currently available for UnitedHealthcare of North Carolina, Inc. The carrier is licensed in 0 states.

Source: NAIC published complaint index + CMS Transparency in Coverage PY2026 Complaint index, reputation grade and per-state claim denial rates for UnitedHealthcare of North Carolina, Inc · 2024

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The full PlainInsurer extract, covering every insurer including UnitedHealthcare of North Carolina, Inc, is available as CSV and JSON. Underlying federal data is public domain; see our methodology for the compilation and grading method.

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Data: NAIC published complaint index (2024) · CMS Transparency in Coverage PUF PY2026. Not affiliated with NAIC or CMS.

Every figure on PlainInsurer comes directly from NAIC MCAS and CMS Transparency in Coverage data; no editor types in numbers. See our editorial standards or methodology, or report an error. Data current as of 2026-08-11. Grades measure only the published complaint/denial data; we don't recommend any insurer or policy.