UnitedHealthCare Reviews

Ms. **!!!!! I hope that I spelled your name correctly because I want it to be known how excellent your customer service is!!! I started with United Health Care back in January and learned about my coverage in March; and it was only provided to me after I had emailed the case manager a couple of times. I am saying this because since March I have tried to find local providers to assist me with my vision and dental needs and was vastly unsuccessful. It was not until today that I called and got Ms. ** that my faith in humanity has been restored. Ms. ** was not only professional, attentive, proactive and courteous, but she actually called several providers for me as I would call, and no one would answer for me.

They are going to pay for my emergency response system and monthly bill.

Noha is a very kind and patient woman. She’s so sweet, she helped explain so much to me about health insurance. This is my first time paying for my own health insurance so she helped walk me down every question and concern I have, Noha is a true hard worker. She deserves a raise!

I think this company is the biggest scam artist of anyone on the planet. They absolutely care NOTHING about patient care. They do not pay timely, if they do pay and that's a big if. United Healthcare uses every tactic in the book to deny a claim and only have people on the phone that don't speak English and can't even understand you. They think because they are so big they can do whatever. Everyone needs to drop them and all Doctors need to get together and hire attorneys that have experience fighting insurance companies and TAKE THEM DOWN A NOTCH OR TWO.

Trash, worst insurance I have ever had; just don't have it and pay out of pocket. I don't know what I paid for.

I spent 4 hours over 3 days with 7 CSRs trying to obtain Prior Auth FAX number. UHC's new AI phone answering service is an EPIC FAIL! I wasted 4 hours answering same prompts over & over & over until system hung up on me. When I would finally get connected to a live person, they re-connected me to that AI promoter and it would hang up on me again. This is completely UNACCEPTABLE! Do better UHC!

I’ve been trying to resolve a claim from 12/25. Many promises from UHC, no results. UHC says I owe nothing to the provider, the provider says I owe $9700. Marietta ** promised me she’d handle and not to pay provider, but she has not fixed the problem, and now I’m threatened with collection. I’ve left countless emails and voice mails, she just ignores me. UHC is horrible to work with.

This is absolutely the WORST insurance I’ve ever had. I see physicians for a chronic condition. They are so bad at paying providers, I have to pay more than double for a copay because of their ridiculous reimbursement. They deny everything. I need to have a yearly mammogram and they want me to drive to MS because no one in Memphis and surrounding towns takes this insurance. I’ve been on a medication for 15 years and they decided one day not to cover my medication. My rheumatologist wrote numerous letters for approval. I received a denial letter that said I hadn’t been on my medication and tried optional other choices. If they had cared to look at my records they could have seen what I’ve been on. They try to make you give up in order to get them off the hook. Very disappointing. This should be against the law.

They need a better customer service. Rude. Tried all day to find why allow anyone to call you. Got a call from a shipping worker wanting me to give him my personal ID or he will hold my meds up.

Terrible customer service. Loved one passed away on August 1, 2026, called to cancel monthly auto draw on August 4th. Draw was taken out August 5th. They will be charging me for entire month of August according to rep, they are making me pay for entire month of August. Rep says they do not give back refunds for month not used. That is what you call customer service!!!

Previously had Florida Blue with no problems, but my employer changed to United Health therefore I went with them. Since going with them, my prescriptions have gone from $20 per month total to over $100 per month for two prescriptions. When I called the advocates were kind but unable to help me and requested that I call my dermatologist either have my prescriptions changed or see if they could ask for a lower co-pay. Along with this I needed pre-authorization for my medication that I did not previously need. Due to my long skin journey, changing my prescriptions was not really an option. Therefore, my dermatologist helped me find the cheapest options and I ended up having to use GoodRx due to the high cost of prescriptions. I cannot speak to the cost of emergencies or ER visits but since I typically just use my insurance for prescriptions, I am extremely unhappy and do not plan on going with them in the future.

I have been attempting to get a referral and prior authorization since June 15th. My doctor told me that United is the only company to have instituted this new requirement. I would not recommend UHC.

This is the worst insurance I've ever had! I had Blue Cross and our company changed ownership and UHC was offered as the only PPO option. I've had to go through hoops for the last couple of days for a mistake that was made on UHC. My Dentist sent in a pre-auth of for my dental extraction and they denied. My dental office then sent an appeal and UHC denied as soon as they received and marked the appeal as an duplicate pre-auth. I've had to call several times and "try" to speak to a manager to get absolutely no where! When open enrollment is available I will dropping this insurance. Please save yourself and health and go with another provider!

The benefit amount continues to Decrease. Concerning the surveys at the completion of the call, perhaps the advocates are aware they weren’t as professional somehow. You just wait a long time for the survey. The particular guy got back on the phone a couple more times & wouldn’t allow to take the survey.

I am a 64 year old ** female living in New Jersey. In the past 5 months or so, UHC has denied coverage of ** which, according to my Cardiologist, will help greatly reduce plaque in a heart artery that appears to be about 69% blocked. The danger zone is 70%. I have a form of cholesterol that is genetic and traditional medications supposedly do not reduce Familial Hypercholesterolemia. Many years ago, I used cholesterol medication but I don't remember it reducing my cholesterol. My cardiologist also requested a procedure (Cardiac Catheterization) that would use a tiny camera to see how blocked the aforementioned artery truly is, since the scan previously taken provided a limited view. UHC denied that camera procedure also. Additionally, my Cardiologist wanted a procedure done to a leaking vein in my right leg--I have chronic edema--and UHC has denied that procedure as well.

For the largest and most profitable insurance carrier, they stink. I have had them for years with Medicare. Firstly, their help can barely speak English and are not that knowledgeable. Also, they pay less and less each year on certain things and of course Dental coverage is only for preventative. OTC benefits of quarterly $40 payments last year were cut to $25 quarterly. A billion dollar company and they also do not look upon Podiatrists as Doctors. DPM is after their name. Shame on this greedy and inept large organization.

I have nothing good to say about United Health Care AARP Medicare advantage in Colorado. I will switch as soon as possible. Customer service has tanked this year, with robots and overseas agents (if you can get to an agent) handling the calls and questions. First the caller is routed to a sales agent who tries to sell me a policy and only eventually admits that they aren't customer care or benefits agent and therefore are useless. This is after navigating one or two AI bots to even get to a real person. Then the denials....and changes made in April of this year regarding prior authorizations for everything. My doctors didn't know this and don't know how to navigate the new system. Therefore I will be skipping procedures because too difficult now to deal with the system.

UHC sucks! I was kicked off of my plan for not having QMB, plus which I called Medicaid, and they never even heard of it. They said I needed to have full Medicaid, which I did until Big Mike Johnson gave all the money away to the illegals and homeless! Then they downgraded my Medicaid and told me because I have Medicare I can't have full Medicaid. This happens a lot depending on who's in office. But also, even when I had full Medicaid, I still would get bills from UHC. I owe 600$ for dental despite having 3500$ in dental benefits!

Most abusive staff (corporate), lousy service, most doctors reject UHC or give appointments 6 month from now, really bad corporate, this company abuses the elders on Medicare, seems like they own funeral homes. They are extremely abusive to us the elders on Medicare, I wish them all 10 times what they wish us, hoping for the best. UHC forgets that their jobs are there due to us. They should change name from UHC to Jack Kevorkian Assisted Death Service. UHC should be investigated, fined and closed. Robert **

This is probably one of the worst healthcare insurance providers I have ever done business with. The claim process is cumbersome, and they take way too long to process claims. Their excuse is "a higher than normal volume of claims", but they should just etch that on their business card, as it's a part of who they are. I'll be cancelling my policy as soon as my last claim gets finalized, which is now going on 6 weeks.

I have never had a claim denied for any healthcare services I have needed… until United Healthcare… It was five in the afternoon and I could not walk. The pain was so severe in my lower back that I thought either I had kidney stones or I had a UTI that might have turned sepsis (misspelled). So I went to the closest place to my house, which I thought was an urgent care, but it ended up being a very small emergency room… Gave them my insurance information. Doctor took me in right away and took a urine test. I had a UTI with blood in my urine…

The worst by far trying to get someone and then get a supervisor and get nowhere because they are basically **, can't read the chat, don't know what they're doing and then long holds and resolve nothing and hang ups high .. Speak with wrong people transfer after transfer. They gone downhill last three years .. Thieves all around .. They just want your money. Last straw. I hope they get sanctioned thru the roof.. I still spent 3 hours to resolve nothing. Ask for a supervisor and they hang up not just once but twice.. or transfer you to wrong place .. ** or better put dumb and dumber running their place .. I'm furious on 4 hour to use my benefits.. I'm switching sad part I use to think they were awesome..

I have been dealing with United Healthcare for several weeks trying to get a medication authorized. I have gotten nothing but a hassle. I hope they don’t treat everyone like this. I’m so disgusted I will be changing carriers.

I have never experienced a health care provider this terrible. Sure, they cover a ton of health care options, but they do not tell you that they also deny everything to be covered. And if you get the chance to go to a doctor, they space out your visits for more co pays and out of pockets expenses. I would never recommend this insurance to anyone who wants to live a healthy life!!!! Absolutely the worst healthcare in my opinion.

I'm another person who would leave ZERO stars if I could. I'm on Medicare and Medicaid and not using either one because of the synthetic mRNA in so many drugs, all anesthetics, etc. The only thing I used UHC for was to pay my electric bill and buy organic food with the UHC card. As of Jan 1, 2026, the card is now only good for OTC DRUGS, which they can shove up their arses! Now the card only works if a sucker SUBMITS to "chronic care", which I could qualify for, but I will not bend over and submit to taking TOXIC drugs to get. COERCION is what I call this, and that's a CRIME! UHC SUCKS!!!

I recently enrolled in a UHC Dental/Vision plan, had questions that I could not find the answer to on their website so I called to speak to a representative. The representative was NO help, just kept telling me to go on the website for information. So here I am with a worthless representative and a website that does not help answer my question. There is a note on their website " Your satisfaction is important to us, we encourage you to contact us with any questions at 800-638-3120". What a bunch of crap, a worthless website, a worthless representative, means a worthless company.

This company should not be allowed to be in business. Under Medicare Advantage, they denied a claim for a pet scan for a cancer patient. Funny, they've approved other claims from the same provider, but this one... nope. Taking advantage of seniors should be their motto... especially those with cancer.

They denied the tests my orthopedic surgeon requested. I tried again, and they said I needed to write and print a letter with a long list of items covered in it and that I had to Fax to them. Brilliant piece of BS, as nobody has had a fax in decades - another denial. My doctor says they can't tell me anything without an MRI but UHC says I don't need one. 6 months of back pain, having tried everything under the sun, and when I finally break down and go to a specialist - I hate doctors - I'm not actually covered - $30k a year, and my coverage is a farce.

This is a 99% corrupt company. They only care about the almighty dollar, which is mostly paid in exorbitant salaries to top administrators who obviously don’t care about patients. They are also excessively wasteful in sending out tons of snail mail, even if one repeatedly requests and checks the boxes on their website to send all electronically that is possible. Employees are usually with poor English skills as they are outsourced from Eastern countries. They don’t know what they are saying, and do the opposite of what they say they are going to do, correct, input into their computers. Probably poorly trained and paid. If you enjoy talking to a brick wall to get anything done correctly with your health insurance provider, UHC is the winner. Add their arbitrary policies that vary depending on what agent you or your physician's office may reach at any given time.

UHC is absolutely the worst company ever, do not work with them, coverage is horrible, and the customer service keeps you in an eternal loop calling back and forth until you get exhausted. 3 times I've had to call them and each time the shortest I've been on the phone was 90 minutes. The other time was 2 hours and just today I was on for 3 hours with no successful solution. I talked to 10 different people and it appears no department communicate with each other. They lie and they do not honor referrals even if they are in your network. What a slimy corporation!

I recently relocated from New York to Indiana and upon arriving to Indiana, I found out UHC had cancelled my coverage. I am elderly and used UHC's Optum RX for my prescriptions. When I called UHC, I was told this is their policy and I had been sent a letter. When I explained that I never recieved the letter and asked why it wasn't sent certified or better yet, had someone call the "advocate," told me "We don't have time for that". She was patronizing, dismissive and argumentative. When I asked to speak to a supervisor, I was I should hear from one in "a couple days". As a result, I am now without coverage, have no access to my life-dependent prescriptions, and was told I would just have to wait until my re-submittal application took effect in 3 weeks.

If I could give negative stars I would…. Waste of time, waste of energy. Awful awful just awful! They lie and give misinformation and getting the payout from the “incentives” is like wrestling an alligator. Spoke to 4 managers 4 different days and still don’t have the incentive money I earned all because of some invisible red tape that you can never get through.

Horrible…. The worst of the worst, “0” stars! Their international customer service, well it’s just crazy how these people can’t speak English and they definitely do NOT understand english well at all, just sad how they think/feel they can tell you anything, because you are American!

I have been a customer of UHC for 2 years after also having previously had them a few years back. They used to be pretty good, I gave 2 stars today only because they do still cover a chunk of my medical costs but it is getting to be less and less. They used to provide much better customer support and I wouldn’t give that section of the company a half a star at this point.

LESS THAN ZERO. The worst of the worst. If you want your family member to die because of lack of coverage this is who you go with. They do not care about you or your loved ones. If I could afford to sue I would. Do not trust them with your health. Also do not expect anyone you can audibly understand

I called and asked a representative how much an MRI would cost since I hadn’t met my deductible. I gave the representative the prescription information along with the name and the address of the location where the imaging was being done. I agreed to have the test done based on the cost that I was quoted. Although it was an “estimate,“ when the bill came in, it was over 4 times the amount that the United Healthcare representative quoted me. I submitted an appeal and it was denied, even though there was a clear recording of their representative, giving the incorrect information which is what I used to base my decision to move forward with the testing. United healthcare is the worst insurance carrier that I’ve ever dealt with. Unfortunately, I have no other insurance company option through my employer sponsored healthcare plan.

United Health is a junk company. When I had Medicaid and Medicare, they could not get their ** together and helping me because of my handicaps, due to my health issues and the lack of concern or support in their company. I called up Social Security Administration to stop payment to these people. Because they are not giving me the help that I need for my health issues. They lack the capacity or understanding of which direction to send me to get things taken care of. I don't have an advocate because of my handicap, and I can't get an attorney to sue them because they're all on the take, and I'm just saying right now, I wish the Social Security Administration would stop payment to these people because they don't deserve my money if they can't.

The absolute worst customer service I have experienced with a healthcare provider. The reps are not knowledgeable about standard practices. You go through several different reps trying to get results, they do not email letters that other medical insurance companies will email you in a few minutes. Calling in you get disconnected, then upon actually speaking with someone they are clueless regarding your issue. In their obvious quest for cheap labor, they have sunk to new lows. I am a Senior that will change plans as soon as possible. Do not under any circumstances join with United Healthcare.

United Insurance Team, Not that it will do a bit of good! This review is to formally express my extreme dissatisfaction with the service I have received. United deserves a minus zero rating!! Despite the timely payment of monthly premiums, I have found the claims process to be consistently obstructive. It appears that while the collection of payments is expedited, legitimate claims are frequently denied without sufficient justification. This experience does not reflect the value or coverage promised to your clients.

Wish I could give negative stars! Also wish employers would find other health care options. Chronic disease. Been in meds for 6 years now. All of a sudden not covered. Meds needed for survival, to live, This company encourages suffering. Maybe some of them will fall ill to chronic diseases and have to deal with this!