United Healthcare Dental Insurance

I’m 35 & a single mom. I’ve been working for my job for 12 years. This is the dental insurance I have. 7 years ago I decided to go to the dentist because I had a lot of pain & needed a lot of work. At the time I was 28 & I was really focused on fixing the issues in the front top of my mouth. I went to a dentist that was in UHCD to only be told the work I needed was not covered. I needed several teeth pulled & was charged $200 each, I needed a root canal but most importantly I needed implants but those I couldn't afford so they suggested a bridge in the front. It’s 4 teeth & then I have a cap on the 5th. When they checked what was covered they told me nothing would be covered & I would have to pay out of pocket. $6500 later on my care credit card I’m still trying to pay it off. I’m now in almost the same exact scenario but this time the bridge I had done 7 years ago is lose & will fall out anytime.

My Name is Donald ** here in California. I'm not gonna say much because there is no words or stars to compare to her extraordinary customer service she provide to me. She went above and behind and I end up over what I expect. The greatest helpful and knowledgeable agent I ever experience. 5 star is not enough for what she did to help me. THANK YOU SO MUCH!!! CYNTHIA.

My husband and I were thrilled that this insurance was offered thru our Medicare. We talked with them about coverage etc. and went and signed up. We just found out from our dentist that they have denied everything for my husband other than cleaning and check up. I phoned the insurance and first was told his policy was cancelled and he had no insurance. Not true as it was being paid every month and I had proof. So they backed down on that and transferred me. But that was lie #1. Next person told me the reason they denied was because they hadn't gotten x-rays from dentist. I told them he sent them 3 times. Then the response I got was that they must be unreadable. Again lie #2 and #3.

I had planing and scaling ("deep cleaning") of some teeth. United Healthcare says that they will not pay anything toward my post-deep-cleaning checkup because it was less than 90 days after the deep cleaning. They say that this wait period varies by insurance provider, which suggests that, for some insurance companies, my dentist was all right to wait nearly two months instead of 90 days and suggests that waiting two months or 90 days ought to depend on the professional opinion of the dentist rather than the medical claims adjusters.

This dental plan is horrible. They don't cover what they say they do. They send you around and around in circles trying to get you to just give up when they tell you they won't cover a basic filling when your plan says no waiting period. They can't tell you where in the policy things are (because it isn't there), I read the policy from cover to cover. Horrible customer service, incompetent employees. Ridiculous wait times to even attempt to talk to a customer service representative. I got transferred 8 times over two days and 6 hours of phone calls. Got hung up on twice by their incompetent and useless employees.

I had this company when I lived in Florida, and I had no problems. Then I moved to California. My primary is pretty good, but trying to get other services is close to impossible. I have received incorrect info from company representatives and providers alike. And hope nothing needs to be done immediately. I’m trying to get a tooth extracted. I can’t even tell you all they put me through. First, they sent me to a dentist not on my plan. Got to a dentist, and got a referral. Won’t work. The provider was supposed to send some kind of referral, and didn't. Also, when I called the place they referred me to, it was the same place I had been to before that didn’t take my plan. Now they say it was because I was needed to be assigned an office. This goes on and on. Meanwhile, I have an infected tooth that needs to come out. But it doesn’t hurt so it’s not an emergency. Can’t wait until open enrollment when I can dump this company.

Paid my part to dentist on day of service that was over $500 limit allowed by UHC. Got a bill from dentist for more money they said I owed. Called UHC and found out they paid dentist more than I was charged. Rep was unable to explain why. Called dentist who said I would have to come in so she could explain why I now owed more than I was originally charged. Sounds like fraud to me. Why would UHC send dentist more money than I was charged? Charges from dentist I paid on day of service are there regular fees for service I received. Also $500 only covers x-rays and a cleaning. I have to go back to my previous out of network dentist to get my second cleaning this year and pay for it myself.

We have had United Healthcare Dental since 2014 through work, and every March during the renewal period they change the start date. We can never get off the waiting period list so it has been useless for orthodontic, dentures or crowns. Shopping around so we can get our needs met.

I have had to appeal at least 2 claims this year to even get payment for a routine dental exam. They also refused to pay for anesthesia for my daughter to have her impacted wisdom teeth removed. Worthless insurance, have to jump through hoops to get them to pay a claim! Run, run far away. Anyone is better than them!

I received a bill from my dentist for $124 after United Healthcare Dental paid their share. The website shows the same coverage percentages for in network and out of network providers. I wrongly assumed the amounts covered for basic services (cleaning, x-rays and exam) would be comparable. I called United customer service and they said the percentages on the website were based on the amounts United covers, not the amounts billed by the dentist.