United Healthcare Dental Insurance Reviews

They lie just to get you to sign up and then do a 180 and deny a benefit you were promised. They were supposed to cover 50% of dental and will only cover 9% even though it was contracted in their book.

Not that UHC gives a crap about their crappy reviews. But I absolutely do NOT recommend them. They told me my dental was still covered for another month and yet my dentist now calls me back and says after the appointment it's not covered and I have to drop $700!!!!! I am OUTRAGED. Retroactive termination is a major trap for employees. Your employer can backdate your cancellation even after you've used your benefits. If you go to the dentist on Dec 10th and they backdate your term to Nov 30th, the insurance company simply erases your coverage for that visit. Keep in mind that you cannot pay an overlap of insurance to cover those extra days after the fact. You’re stuck with the bill because the system won't let you pay into a plan that's already been backdated.

I had a basic annual exam. There were not any cavities or anything extra to be done. The average cost of a dental exam in the state of Indiana is $200. Unfortunately, UHC Dental only decided to cover $91 dollars for this exam. Dental exams are preventative care to make sure nothing bigger and more costly happens down the road. I called to discuss this and was told that it is all they would cover. It is absolutely pathetic that one gets punished for making the responsible healthy choice.

I have paid for my coverage monthly since 2023. I recently visited my dental office for routine care. I was told that I do not have coverage. When I was finally able to reach customer service (after long wait times), I was told that I do not have coverage. This was a surprise since my coverage was just paid two days in advance. The customer service team lacked basic communication skills and could not solve this discrepancy.

We signed up for UHC "AARP Advantage Medicare" for 2025 via my previous employer's supported website VIA Benefits. We were assured that dental coverage for routine care was part of the plan. After trying to submit claims for cleaning and a routine X-ray and hearing nothing for 50 days, we tried to contact UHC and were told we had to submit dental claims only on paper and to a different address. When we did that, we then were told the benefits were about 20% of the cost. The dentist's charges were reasonable and the reimbursement was a joke.

If I could give less than one star, I would. I don't know why we pay health insurance companies if they don't do anything for the people that pay for their services. Deny, deny, deny. I have them just for dental. What a joke. They don't cover anything. They'd rather let their clients' teeth rot to nothing then cover anything. This is what is wrong with American health systems and insurance. They don't care. They just want all the money without any responsibility.

United Health is the worst insurance cover I have EVER had. I was trying to use my dental plan. None of the dentists will accept it in our area. I wanted to get pre approval, I pay at least $200 a month for eye care, dental care, and prescriptions. Number 1 forget about prescriptions. I am lucky. I don't need that. The dental plan I did, and all they pay for are xrays and doctor's visits. My eye doctor doesn't take their insurance either! So, I've been paying the premiums through my Social security for several years, and now that I need a major dental procedure, they won't pay a dime!!! Now I was working and had Blue Cross Blue Shield, and they pre approved my coverage up to the annual maximum. Same tooth, difference Insurance company. BCBS premium is $32 a month. United Health is $200+!!!

Buyer beware! Stay as far away as possible. Got the Dental HMO through an employer. Come to find out the dentist I checked out BEFORE I took the insurance and cancelled my prior insurance does not take the HMO even though the list on the HMO portal says it does. I called 3 other dentists in the area - They ALL only accept the PPO. I cannot change over to the PPO until the end of the year. This is the worst insurance I have ever had in my 56 years of life.

Sure wish I had looked at these reviews as I do everything else. After 5 years of paying for a policy with these people and paying on time, the one time it didn't go through they wait an entire month to take both payments with supposedly one email notifying someone of the issue, not to mention I've never even used this insurance policy which was dental I canceled. After being upset due to the monies I had for something else in my account. Hoping to fix the issue days later when someone calls me back as I requested they can't do nothing about it 'cause I canceled being upset that most places ran it again the next day or two and unaware they would wait an entire month, not mentioning they'd wait, that had me beside myself after that many years of paying for something I'd waited to use, being you have to wait 2 years for any major dental, I'm now screwed and they could careless.

I wish I would have read reviews before paying $576.00( $48. x 12 months for premium) for $1,500 worth of dental care. I have been denied 3 x's for a crown that my dentist of 30 yrs. put in. Every time it's a different reason. My dentist is the most honest person. He would not recommend dental care that I did not need. It took 2 months just to pay for my cleaning and did not pay 100%. The crown is now under appeal.

I have actually had them twice now for dental insurance and I couldn't have believed that they could have been worse the second time than they were the first but evidently it's possible. No company could be as incompetent as they pretend to be and still be in business so I have to assume they are just dishonest instead. They told me I had $3,000 worth of dental insurance I could use and in spite of needing a lot of dental care and treatment for basic things nothing cosmetic I have only ever been able to use a few hundred dollars.

I have a Chipped tooth, want to get a root canal and cap done, should be covered under the HMO.... Dentist informed me it takes 4 weeks to get an approval.... We live in the 21st century... Electronic approvals should be almost instantaneous....

The lists of dentists that the company provides that accept this insurance are usually incorrect. The only remaining dentists who actually accept it often have Google reviews that say "stay away", "worst dentist I have ever visited" etc. The payout to decent dentists is embarrassingly low. How is this so so bad.

Never pictured myself writing a review on anyone. But this one warrants it. Been dealing with re-activating my UHC Dental Coverage for a few weeks after leaving my job. Cobra department was great walked me through the process online to help expedite process on their end. Logged into the site a few weeks later, it says I'm active. Providers runs insurance says UHCD says it's not. I call UHCD. They transfer me to 3 different departments to verify Cobra sent the information. Cobra (Healthy Equity) verified twice and sent UHCD two urgent updates to update my eligibility. Get back on with UHCD representative. He seems bothered by having to look into my concern. Meantime, my morning is gone... I've been on the phone with UHCD between transferred calls and being put on hold 2.5 hours. Gives me excuses he can't see it active on his side. I send in my screenshot of my side.

This is the worst dental insurance I have ever seen. I have sent in my dental claim between myself & dental office 8 times. Certified with proof of delivery & they claim they never received. I have never seen anything so insane.

This company is awful! I have been dealing with them over dental claims they denied for my children. Simple cleaning and x-rays for my to kids. My daughter’s claim was denied because required an adult cleaning (she has no baby teeth left) and she is 12 1/2 and only would cover if she was 13. My dentist put in for a child cleaning which is less $ and I would cover the remainder and then refused. My son cleaning was covered because he’s under 13 and has a baby tooth still. His x-ray was not covered because he has a small mouth and they need to x-ray both sides of his face. The reason for only paying for 1 side is that they can’t bill for both sides on the same day. I couldn’t make this stuff up!

Absolutely the worst dental insurance, do not go with this company. My dental office has been trying to submit pre authorizations for the last 4 months and have been denied, I cannot get the treatment I need.

I have seen 3 dental providers under UHC aarp medicare ppo. They have all seen me only two times to do xrays, but refuse to fix my broken teeth that can lead to severe health problems since those teeth are decayed. I feel that the dental providers denied my dental care because I have Uhc dental insurance. DON'T TRUST UHC DENTAL INSURANCE TO GET ADEQUATE DENTAL CARE. HORRIBLE INSURANCE AND HORRIBLE DENTAL PROVIDERS. You become a bigger for dental care. Wow.

Horrible company. HORRIBLE. I paid $52 a month for the whole 2023 for United Health COBRA insurance for my daughter and I. Come to find out, in 2024, they have denied the claims for all our dentist visits in 2023. They even demand money back from my dentist and when my dentist refuse to pay back, they took the money out of the money they supposed to pay for another patients. My dental provider has been going back and forth with them, speaking to several individuals in the claims department, since October of 2023. Each person tells her different thing. Now, I am owing my dentist $600 for the visits from 2023.

I've been with United Healthcare for the 4th year and I am finally going to say goodbye... They are not what they say and have cheated me out of 2023 dental benefits. And refuse to reimburse me for a coding problem for a root canal. I'm done. ✅

My employer replaced coverage and uses UHC Dental now. UHC Dental made me jump through hoops to continue coverage for my adult disabled from birth son. When they finally approved him, they lied about date of coverage.

1/16/23- I wanted someone to explain in general how health insurance for Disabled people worked and my options, so I called Social Security and asked. The SS rep transferred me to Select Quotes, where an insurance rep told me my best option was a Dual Plan. I told her I cannot have a dual plan, because not all my doctors accept Medicaid, so if they see Medicaid on my Dual Plan Card, I would be fired from their care. The Rep said she understood and this was different. Under her direction that this was not a dual plan with one card, I signed up.

Every time I call United Healthcare you first have to deal with the automated system which is a HUGE waste of time!!! Doesn't recognize any info and can't hear you or keeps asking you to repeat yourself. Once you do get thru to someone it's usually someone who can answer the phone and that's about it for the skills. If they don't understand how to answer a basic eligibility question then either find another job or get trained at this one! Completely unprofessional company. I would never recommend them to anyone.

I started a dental implant last year where in a portion of it was covered and was told since I started the procedure it would continue to be covered. I went in to complete the procedure and was told by the dental office that United had dropped coverage for this year 2024. The dental office phoned United at the end of Nov 2023 to make sure that I would be covered in 2024 to complete the procedure and was told yes. Nothing would change. In Jan my dental office contacted United regarding completing the procedure and United faxed them back the very morning that I was in the office getting part of the procedure done. I went to check out and was told that United was not covering the rest of the procedure that the coverage had changed.

I have health coverage through my employer for myself and my child. I opted for dental for both of us. I have had it for 2 full years and it changed this month. I pay for this dental coverage, mind you. We went to the dentist (in network) this month. They denied my son's dental claim and stated I had to meet the $5,500 deductible. My employer changed my policy without letting me know or giving me a choice to stay or leave the plan. The plan moved our dental into the medical plan meaning I have to come out of pocket for all our dental up to $5,500 before they pay anything. We no longer get our 2 free cleanings and 1 xray a year. I am paying for Dental Insurance for "NOTHING". There are NO BENEFITS. This should amount to fraud by United Healthcare.

I received a letter that all appeal rights had been exhausted, though I was never contacted that appeals were taking place at all. I talked over 1 hr with two different UHC reps. The first rep saw only a post-op x-ray in the files and told me to contact the dentist to provide a narrative. I called the dentist, and they said all of this was submitted. When I called UHC insurance back the next rep found more info, claiming that the same information was provided for each appeal, but with different words... and began to tell me how to appeal. Then he looked more and found I could not appeal more at all. I then asked for a supervisor and the call was dropped. My dentist with 40yrs experience determined a crown was needed yet the UHC "clinical team" did not agree, though all necessary information was provided. This company is NOT trustworthy.

I am provider, a dentist in New York. On September 1, United took over the operations of another insurer. They did so without providing patients with their new member ID or numbers, and have not processed claims properly since. It's A JOKE TO SAY THE LEAST! The call center to address issues is overseas, and the people there, although polite, are completely clueless. They can look at things but cannot actually solve anything. They claim to create a "ticket" for someone to contact us....4 tickets later and we have not been contacted. I definitely recommend providers and patients avoid this company.

This insurance is a costly JOKE! You have to meet 1,500 full deductible before it pays anything and Gap insurance will not pick up any expense before they do. I HIGHLY am dissatisfied at the medical coverage I took out at my work and you can not change until enrollment. It’s a racket!!!

They really don’t cover anything and they’re so hard to work with. You’re better off self-paying. Most providers will give a discount if you self-pay. Your dentist will suggest medically necessary dental procedures, but if United Healthcare’s dentists that review the claim doesn’t feel the work is medically necessary they will deny the claim. They work for United healthcare, so they are there to save them money anyway, they can, by rejecting claims. Also, something as simple as getting your teeth cleaned, four days earlier than the six month mark, and they will reject that claim too. Just be careful when scheduling your routine, cleaning and x-rays, etc. Make sure to always extend it out at least a week past the previous six month service.

So many calls. Last one I was told I was denied because the claim was too late. Not true. Bad communication. Inept. I have spent hours on the phone. Been given wrong mailing addresses. Do not get dental insurance with this company. They are bad.