<?xml version="1.0"?><ownershipDocument><schemaVersion>X0101</schemaVersion>    <documentType>4</documentType><periodOfReport>2003-07-02</periodOfReport><issuer><issuerCik>0001027974</issuerCik><issuerName>PACIFICARE HEALTH SYSTEMS INC /DE/</issuerName>        <issuerTradingSymbol>phs</issuerTradingSymbol></issuer><reportingOwner><reportingOwnerId><rptOwnerCik>0001201236</rptOwnerCik><rptOwnerName>NG DOMINIC</rptOwnerName></reportingOwnerId><reportingOwnerAddress><rptOwnerStreet1>  </rptOwnerStreet1><rptOwnerStreet2>  </rptOwnerStreet2><rptOwnerCity>  </rptOwnerCity><rptOwnerState>  </rptOwnerState><rptOwnerZipCode>  </rptOwnerZipCode></reportingOwnerAddress><reportingOwnerRelationship><isDirector>1</isDirector><isOfficer>0</isOfficer><isTenPercentOwner>0</isTenPercentOwner><isOther>0</isOther><officerTitle></officerTitle><otherText></otherText></reportingOwnerRelationship></reportingOwner><derivativeSecurity><securityTitle><value>Common Stock Units</value></securityTitle><conversionOrExercisePrice><value>0</value></conversionOrExercisePrice><transactionDate><value>2003-07-01</value></transactionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>A</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionTimeliness><value></value></transactionTimeliness><transactionAmounts><transactionShares><value>763</value><footnoteId id="F1" /></transactionShares><transactionValue><value>0</value></transactionValue><transactionAcquiredDisposedCode><value>A</value></transactionAcquiredDisposedCode></transactionAmounts><exerciseDate><value>1998-08-08</value></exerciseDate><expirationDate><value>1998-08-08</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common Stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>763</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>763</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></derivativeSecurity><footnotes><footnote id="F1">The Common Stock Units were received in lieu of annual director fees as provided for under the Amended and Restated 2000 Non-Employee Directors Stock Plan of PacifiCare Health Systems, Inc. (the "Director Plan").  Under the Director Plan, non-employee directors may elect to defer all or a portion of their annual retainer fees (on a pre-tax basis) into Common Stock Units held in an account maintained for the director under the Director Plan. The number of Common Stock Units a director receives is based on the closing price of PacifiCare's common stock on the day the annual retainer fee would have been paid but for the deferral.  When a director terminates his or her service as a director, a distribution from the director's Common Stock Unit account under the Director Plan is made in a single payment of shares of PacifiCare common stock.</footnote></footnotes><ownerSignature><signatureName>s/Dominic Ng</signatureName><signatureDate>2003-07-02</signatureDate></ownerSignature></ownershipDocument>

