UnitedHealthCare Reviews

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About UnitedHealthCare

Pros
  • Helpful customer service
  • Quick claims processing
  • Comprehensive coverage options
  • Affordable premiums
Cons
  • High out-of-pocket costs
  • Frequent claim denials

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UnitedHealthCare Reviews

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    How do I know I can trust these reviews about UnitedHealthCare?
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    Page 1 Reviews 0 - 5
    Customer ServiceCoverageTechPriceStaffBilling

    Reviewed Aug. 15, 2025

    ★★★★★ This is the best insurance company I have ever worked with — hands down. I’m not exaggerating. Every single person I’ve spoken to at UnitedHealthcare PPO Illinois has gone above and beyond to help me. They don’t just answer your questions — they actually get on the phone and call your doctor, dentist, or any provider directly. Whatever the issue, they walk with you every step of the way until it’s solved. If you need medical supplies or help getting your doctor to complete paperwork, they’ll assign you a dedicated worker who will contact your doctor, therapist, or whoever is needed, and handle all the red tape to make sure the paperwork is done right.

    I was very fortunate to work with Chyna **, who helped me resolve a dental billing problem where I was being triple charged. She also made it possible for me to receive a beautiful wheelchair and a hospital bed I truly needed. I’ve never had an insurance company personally speak to providers to make sure I got approved for care and equipment — but they did. They also make sure no facility is trying to rip you off or overcharge you. They advocate for you — or right alongside you — to ensure you’re treated fairly. They value you as a client and make sure others value you as well. It’s impossible to list everything they’ve helped me with because it would be way over the word limit for a review. All I can say is: UnitedHealthcare workers treat you like family.

    P.S. They also have excellent benefits — especially dental and OTC benefits. You can even use the OTC card to buy groceries at stores like Jewel-Osco, Walmart, Meijer, Walgreens, Dollar General, and more (depending on your area). I don’t receive food stamp benefits, so this has been a huge blessing. I get $218 OTC each month, plus you can earn up to $50 for doing things like working out, getting flu shots, completing your physical, nurse visits, and more.

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    Customer ServiceTechSales & MarketingStaffBillingTransparencyHonesty & Transparency

    Reviewed Aug. 13, 2025

    I recently had the pleasure of experiencing truly exceptional service from Lisa **, who went above and beyond to not only clear me of bills that were misadvertised in the first place, but also took the time to ensure future clients wouldn’t fall victim to the same false advertisements. Not to get too personal, but I’ve had a lot of life and career changes over the past year, and my mental health began to suffer. Through the UnitedHealthcare app, I found a coaching program that helped me manage my anxiety and negative feelings toward these growing pains. Unfortunately, the way the program was advertised was misleading, and I was left with a list of hefty claims I didn’t feel I should have to pay.

    I spoke with multiple representatives from UnitedHealthcare and the third-party coaching app, but no one was able to help me... until Lisa stepped in. She persistently called to check in on my satisfaction, and when I explained my situation, her empathy and dedication far exceeded my expectations. She called me weekly with updates, reminding me she was still working on my case. Lisa made me feel seen, heard, and valued, and that alone felt priceless. I have never met her before, yet she treated me like a good friend rather than just a customer. She singlehandedly changed my opinion of UnitedHealthcare, and I am truly grateful. Lisa is invaluable to her department and to the provider as a whole.

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      Customer ServiceCoveragePunctuality & SpeedMaintenanceStaff

      Reviewed May 29, 2025

      I needed customer service. I'll admit I was worried because I almost always experience poor customer service for the simplest requests. This time was different, very different; the initial CSR quickly and accurately defined the problem, communicated the solution, and sent me to the CSR who could help. The technical support specialist verified that she understood my problem, professionally conveyed to me that she had a solution, and coached me on what to do. She was so familiar with the procedure that I felt hope replace the worry. My issue was quickly and completely resolved, as she asked probing questions to make sure the service I was seeking was actually functioning as expected. I was on the call for about 7 minutes and when I hung-up, I was able to use the service. Good job!

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      Customer ServiceCoveragePriceStaffHonesty & Transparency

      Reviewed March 31, 2025

      Many people have bad things to say about United Healthcare but that has NOT been my experience. I've been had United Healthcare Advantage Plan since 2023 & HONESTLY have had nothing but great experience. I pay extra but it is so worth it. Also, many times (at least 10 times) I've had to call w question or assistance and have never been on hold unreasonable period of time and each issues has always been resolved and the representatives have always been so nice. I know what it's like to have terrible insurance (Blue Cross, Am better is worst!), and in my opinion and from my own personal experience, at age 62, United Healthcare has been the BEST health insurance I've ever had.

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      Customer ServiceStaff

      Reviewed Feb. 5, 2025

      I wanted to give a positive review to customer service rep. Britney for staying on the line with me for 2 hours advocating a referral complication between my PCP and service center. She was well informed and articulated the issues very well, working with both my challenging PCP office and my gynecologist office. At the end of the day, we are hoping that the issue is cleared up, and though we spent 2 hours resolving something that theoretically should take a few minutes, I was glad that I met a UHC rep like Britney, because it shows how despite sensationalized or generalized press about UHC that there are genuinely helpful people apart of the company, that did all she could to advocated getting this referral handled ASAP with professionalism, persistency, and a sense of humor. Thank you Britney!!

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      Customer ServiceCoverageMaintenanceStaffResolution

      Reviewed Jan. 20, 2026

      I am extremely disappointed. We chose this plan because my mom is diabetic and this was a good choice for her. Now, they will not cover her diabetic sensor. I spent an hour on the phone with them and all I got was transferred to a couple different people. Finally they transferred me to a Medicare specialist (not employed by UH) who immediately fixed the problem (their error-not ours). He was so nice and then was asking the UH representative who was supposed to have been on the phone if he heard that and can he fix it on their end. He had hung up.

      The man from medicare apologized and told me I needed to call them back and let them know he corrected the issue and documented it and all they had to do was clear the flag and then my mom's Diabetic sensor would be approved. So I called them back and went through till I finally got a person who told me there are no flags and if I go to the pharmacy everything is fine. I called the pharmacy and they resubmitted for it to get denied again. Frustrated doesn't even begin to cover it.

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      Customer ServiceCoveragePricePunctuality & SpeedRefunds & PayoutsStaff

      Reviewed Jan. 19, 2026

      My husband has a United Health Care Medicare Advantage Plan. He has been diagnosed with Stage 4 Cancer. He has been through surgery and chemo as a Stage 1 patient. All went well throughout the process. Now that he is Stage 4 and needing additional treatment, United Health Care has refused to pay for one of his chemo treatments recommended by the Head of Oncology at Houston Methodist Clear Lake Hospital. The oncologist filed an appeal on January 1 after his treatment regimen was denied for one of the medications. I called United Health Care on December 30 and was given the run around that there was no record of the medication was denied. He also stated they were closing for New Years Eve and I would have to call back. I called again on Monday, December 5th and was also told there were no records.

      After arguing with them for 1 hour, they finally located the appeal. I was told the appeal was filed on January 1 and I should have a response the following week. Today is Monday, January 19 and still no decision. I was on the telephone with Joy for over 1 hour while she pretended she was getting information for me. I finally thought to ask where she was located and found out she was in the Philippines. I immediately demanded she connect me to the United States. At that time I was connected to Mitchel who assured me he would get an answer quickly.

      One hour later I am still on the telephone. He finally stated that a decision had not yet been made and we would have to wait 30 to 60 days. I quoted my letter to him which states under the Appeals Rights "For Services you haven't received yet, we'll give you a written decision within 7 days after we get your appeal". He further protested it would be 30 to 60 days. He finally agreed to file an expedited appeal which would give me an answer in 72 hours. I had already been on the telephone for 2 hours and 16 minutes so I agreed for him to file the appeal and call me back. He agreed to call me within 30 minutes with the appeal number. It has already been 1 hour and no call back. Avoid this insurance company.

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      CoverageSales & MarketingPriceRefunds & PayoutsStaffRates

      Reviewed Jan. 17, 2026

      We pay $700 a month for UnitedHealthcare. My wife has a $2,500 deductible, which we were fully prepared to meet. What we were not prepared for was UnitedHealthcare inventing a 45% coinsurance clause that magically turns a medically necessary procedure into a financial ambush. Without insurance, the surgery costs around $11,000. With UnitedHealthcare? The “negotiated” total somehow explodes to $34,000, and after deductible and coinsurance, we’re forced to pay $6,245 out of pocket.

      Let that sink in: Paying $8,400 a year in premiums. Still on the hook for thousands more. For a routine and medically necessary procedure. While insurance contributes basically nothing. This is not “coverage.” This is legalized extortion wrapped in fine print. Coinsurance after a deductible is just a loophole that allows insurers to dodge responsibility while pretending to offer protection. The fact that insurance triples the price of surgery compared to cash pay should be criminal.

      UnitedHealthcare doesn’t lower costs. It inflates them, obscures them, and then shifts the burden back onto the people paying every single month. If you’re healthy, you’re wasting money. If you actually need care, you’re punished for it. Healthcare should not feel like getting scammed. Avoid if you have literally any other option.

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      Customer ServiceStaff

      Reviewed Jan. 16, 2026

      Customer Service for this company is horrendous...No one was able to resolve a simple issue. Promises of call backs and resolution and no results! I would not recommend this company! 10 hours on the phone with 9 different people who vowed to help resolve and nothing.

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      Customer ServiceRefunds & PayoutsStaffBilling

      Reviewed Jan. 16, 2026

      Worst company I've ever worked with. It took them 3 months to send my member ID, even just the electronic one. I had to call them and they said their team was busy and "forgot". By the time I got the actual member ID, I had already moved to a different state. I informed them of this, but they never canceled my plan and so I was billed for months while living in a different state. Had to call them for refunds and to amend my tax forms. Absolute nightmare.

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      UnitedHealthCare author review by Joseph Burns

      UnitedHealthCare is the largest single health care carrier in the United States. It currently covers approximately 70 million Americans and contributes large amounts of money to medical research every year.

      • Lots of options: UnitedHealthCare provides a wide range of plan options for individuals, families and employers.

      • Offers Medicaid plans: Low-income consumers may be able to get Medicaid insurance through UnitedHealthCare.

      • Offers Medicare Advantage plans: Seniors may be able to get their Medicare insurance through UnitedHealthcare’s Medicare Advantage plans.

      by Joseph Burns Health Insurance Advisor

      An independent journalist, Joseph Burns is the health insurance topic leader for the Association of Health Care Journalists and contributes to AHCJ’s Covering Health blog. He has also written about health policy and the business of health care for a wide variety of publications, including Healthcare Finance News, Hospitals & Health Networks, Managed Care magazine, Ophthalmology Management, TaxACT.com, and The Dark Report.

      UnitedHealthCare Company Information

      Company Name:
      UnitedHealthCare
      Website:
      www.uhc.com