Reputation grade
D
Peer-relative, A–F
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)
NAIC complaint index
N/A
1.0 = market average; lower is better
Claim denial rate
27.7%
CMS, 1 states
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 →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 data shows for UnitedHealthcare of North Carolina, Inc
UnitedHealthcare of North Carolina, Inc, part of UnitedHealth Group, carries a D reputation grade in PlainInsurer's dataset, with a composite score of 23.8 (higher means more consumer friction relative to size). It does not yet carry enough NAIC complaint history for a normalized complaint index.
On the claims side, CMS Transparency-in-Coverage filings show UnitedHealthcare of North Carolina, Inc denied 27.7% of marketplace claims across 1 reporting state - an elevated rate that warrants checking the plan's appeal-success record before enrolling.
See where UnitedHealthcare of North Carolina, Inc sits against every reporting carrier in the claim-denial rate ranking.
Source: NAIC Consumer Information Source complaint data (2024). Source: CMS Transparency in Coverage PUF (PY2026), cms.gov.
Aggregates only, not advice. Full terms on the disclaimer.
Other D-graded carriers in PlainInsurer's dataset include Globe Life and Primerica Life Insurance, and the closest overall composite score to UnitedHealthcare of North Carolina, Inc's 23.8 belongs to CHRISTUS Health Plan Louisiana (23.2), each rescaled across the measures that carrier reports.
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.
Other D-graded insurers
Carriers with the same peer-relative reputation grade
| Insurer | Grade |
|---|---|
| Globe Life | D |
| Primerica Life Insurance | D |
| Liberty Mutual Homeowners | D |
| GEICO | D |
| Farmers Insurance | D |
Closest composite score to UnitedHealthcare of North Carolina, Inc
Carriers with the nearest overall composite score (23.8)
| Insurer | Composite score |
|---|---|
| CHRISTUS Health Plan Louisiana | 23.2 |
| Hawaii Medical Service Association | 25.4 |
| UnitedHealthcare of Mississippi, Inc. | 25.9 |
| Premera Blue Cross Blue Shield of Alaska | 21.6 |
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
Share, download, and related pages for UnitedHealthcare of North Carolina
Download the data behind this page
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.
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.