United Health Care

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Andria of Westminster, CO November 23, 2009

I have my daughter covered under United Health Care Insurance. Her father holds the primary insurance and this is secondary. I have NEVER heard of a secondary insurance not having to pay for anything! They say they are a non-duplication insurance, not responsible for paying once a primary insurance has paid. I never would have bothered paying for this insurance had I known! Not that I believe this is legitimate... Now I owe over 400 for testing (MRI/MRA) to Avista Hospital despite the fact that I only have a 100 copay and have met our deductibles.

Shannon of San Jose, CA November 7, 2009

United Health Care has had not one but two federal level class action suits against it in only two years for grossly underpaying providers. Both suits ordered the company to substantially revamp their claims paying process. This has not happened.

It is now November 2009 and over half of my husband's 2009 medical bills remain unpaid. They have used every phony trick in the book to avoid not paying-falsely claiming a gap in coverage, falsely claiming a third carrier is involved, enforcing payment deadlines the providers cannot possibly meet because United Health Care is actually the secondary insurer and the providers must wait to receive payment from Medicare, the primary insurer, before billing United. They also put the wrong RX Bin number on our member card so the pharmacy was receiving a do not recognize this number warning using the number on the card. As a result, the pharmacy could not bill Medco, United's prescription drug plan. They are also falsely claiming the providers have not included Medicare's EOB when billing UnitedHealth care when the provider is adamant that this information was given to United.

Their application form failed to ask if my husband had Part D of Medicare, the prescription drug plan. As a result, Medco, United's prescription drug plan, was incorrectly billed as primary when they were in fact secondary. A portion of Medicare's payment, the primary insurer, is supposed to be applied to our United Health Care deductible but was not. They said they would call me back to resolve these matters but when I tried to call the number left on my cell phone, I got a message that the number had been disconnected. I could go on and on but that gives you a taste of the problems.

arnold of Broken Arrow, OK October 16, 2009

When I was in the hospitl for 15 days in okla city I had health insurance to pay 1000.00 a day and it took over 6 months of them sending me documation of all my doctors over and over and take there sweet time to answer me back or hard to reach a rep to have them call you back. They have very bad customer service having these excues. Finally had to get a attornery to finally help me pay out the claim they owe me . Never ever use united health again threw aarp.

Eszter of Cortlandt Manor, NY September 24, 2009

I have problems with United Healthcare (UHC) since March 27, 2009. My daughter was born and I have decided to opt for an Intra Uterine Device (IUD) to prevent an unwanted pregnancy. I went to my doctor and she told me that she cannot help me because UHC do not want to pay for an IUD device and doctors refuse to buy the device because UHC does not pay or only pays portion of the device cost. I have called UHC and my doctor many times trying to resolve the issue they even suggested that I should get the device from the manufacturer. Please do not take the following comment the wrong way but, are these people nuts? The premiums are going through the roof and I cannot get a device that would help me to prevent an unwanted pregnancy. This should be illegal. This should be a basic right and I cannot believe that in the 21st Century UHC is allowed to play around with such a basic coverage. At the end, I have found a clinic (for the uninsured) called UHC and was told that they were in-network. I went through the process to find out at the end (when I received the bill) that the clinic was not in-network and I have to pay for the procedure and the device. Is there anyone out there who can give me advice as to how to deal with UHC?? Should UHC be allowed to treat people this way? Also, can doctors refuse to buy the device? Can they tell you to buy it yourself? I mean, this is a medical device not a loaf of bread.

Laura of Portage, IN September 24, 2009

My husband works for a company that has less than 100 employees. He has Health Coverage and is paying over 400.00 per month, with a 3000 deductable. My prescriptions are 10.00 if there is a generic, if not, we are forced to pay 50.00, which is a very high amount. Recently, I went to the ER for back pain and was diagnosed with phenomnia and copd, my Primary prescribed 2 medications that I had to have to get better, when I went to fill them, it was 110.00. As many, we do not have that kind of money. I called My doctor and she called in Generics, but indicated that she didnt believ they would work.

My condition worsened, the Doctor then admitted me to The hospital to make sure I recieved the proper medications. I spent 4 days away from my family to get better. The insurance will now have a 10 or 15000 hospital bill, which I always have problems getting my claims paid. I have spent hours on the phone trying to get my previous claims paid. I am very frustrated and cannot understand why they would choose this route. Over half of the employees ay my Husbands workplace were forced to cancel their insurance, we feel like they are trying to get us to cancel ours, which my husband and I have decided we simply cannot afford it.Every year the premiums go up, ALOT.

My illness was prolonged and worsened, I was away from my family for 4 days in the hospital, all because of 50.00 copays for non generic medically necessary medications that we could NOT afford due to the over 400.00 a month cost for insurance.

Mary of Staten Island, NY September 23, 2009

I currently subscribe to Medicare parts A & B. I chose United Health Care as my supplementary medical plan. However, I have been very dissatisfied with their unwillingness to acknowledge any of the medical costs incurred by me during years 2008 and 2009. I have come to realze the brochure provided subscribers offers inaccurate information.

Christy of Pleasant Grove, UT September 15, 2009

United Healthcare, my company's health insurance provider, is denying medication to my husband with Crohn's disease. On 8/18/2009, Alan, my husband, was prescribed Cimzia, a drug used to treat active Crohn's. United Healthcare requires a pre-authorization in order to cover Cimzia. The first pre-auth was denied because the doctor's office, stated that Alan needed the drug for his Crohn's disease. UHC required that they state that it is ACTIVE Crohn's disease. After correcting this oversight and resubmitting the pre-auth. we received a letter from UHC stating that the drug had been approved. The File ID # is 11636220. However, when we tried to have it filled the pharmacy said it was denied because although it was "approved for quantity, it was not approved for distribution."

When I called UHC I was routed through their maze of automatic phone systems until I was told the drug was approved and summarily disconnected. However, when I contacted the pharmacy they still could not fill the prescription. It is now 9/15/2009 and I still cannot get an authorization from UHC. In the meantime, my husband is suffering from active crohn's, cannot eat without severe pain, and is rapidly losing weight. I have called UHC and spoken to Dina, Rebecca, Karen, Madelaine, Mike, Rena, Mandy, Christy, Todd, Maria, and Manny. Manny now claims that UHC never received the additional authorization information they needed from my doctor's office. Manny would not transfer me to his supervisor. It has been almost a month, I've spent countless hours on the phone and talked to 13 people to date, trying to get this taken care of. Our doctor's nurse has called countless times, and we still cannot get the medication that Alan so desperately needs. Please help us get this straightened out.

Neethu of Bangalore Karnataka, India September 8, 2009

Claims not processing at UHC.Not getting reply from UHC. I was admitted in hospital (undwer UHC nw) n Bangalore. The hospital name is CMH hospital. We were asked to pay 5000Rs to the hospital. The claim request was sent to UHC by hospital. But the hospital didn't recieve ther claim amount.

So when e contacted UHC they are giving each another number and not picking the call. Not even telling why the cliam is not processed for more than 2.5 moths. Hospital telling that they have submitted all the required docs. Where we have to go and ask? whom we need to complaint.

JB of Tucson, AZ September 1, 2009

United Health Care subsidiary company Prescription Solutions Pharmacy handles Specialty Medications for diseases. They mail medications that are mailed on "ice" within 24 hours. The only problem is you have to fit into their "mailing schedule". In other words, they will not mail your medicine for you to receive on Saturday. So if your medicine is on "ice" and you live in the southwest where the temperature averages 105 degrees or higher daily then your medicine may be "tainted" by the extreme heat.

Prescription Solutions doesn't care about your medicine, you, or the quality of your medicine. They are not accommodating and UHC Prescription Solution Pharmacy claims mailing over night is expensive. Since United Health Care is a Multi- Million Dollar company I find this excuse to be highly unlikely. Further, Prescription Solutions provides a reminder call that is too early and therefore you cannot refill your medications due to needing a "prior authorization". The stupidity to this is that they don't even know their own rules. If you order your medicine too soon the health care company denies it and requests a prior authorization. How can they not know a "no brainer"? It is up to you the patient to advocate for yourself. United Health Care Prescription Solutions Pharmacy will not accommodate you the "patient" it is all about them, their schedule and their cost at their convenience.

Chris of Dunedin, FL August 19, 2009

I have Been with Unieted Healthcare/Golden Rule for more than 25 years. Every year the rates increase wheather I used it or not 40.00-50.00 / year. Thia year I received a letter explaining this years increase and it is being raised 1200.00 / year!! The letter also states that this increase is for all insured customers and is not a result of my personal use of the policy. I want to hear from other Golden Rule Clients to find out if this is true or not. My thinking is if we can band toghether and catch them in a lie we may be able to get a class action lawsuit against them. I would hope my email address is listed so others may contact me and we can discuss these unbelieveable rate increases. Please, anyone who has Golden Rule insurance e-mail me and we can try to keep these folks honest. Thank you!

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