United Health Care

I have had United for several years. In January they outsourced approvals to Evicore. Basically they are the middle man who denies everything and makes you appeal it all. United is using them as a scapegoat to blame for denials. I have never had an issue with meds or procedures. In one month they have denied meds I have already been on for years. Also, denied me for an MRI because my pain has become worse. They advised it was because I haven't been to therapy for at least 6 weeks. Therapy for what. They can't fix something when they don't know what's wrong. I was told by Envicore not to worry. Have the doctor complete the "APPEALS" process (correctly) and it should be approved. So, in short. United blames Evicore who then blames the doctors.

I paid for COBRA for 18 months to avoid Obamacare. Now I see that I was right in doing so. Working with an agent in the Marketplace, I was set up with United Healthcare. I had no idea what I was getting myself into. Thankfully, I have to endure this silliness only 2 more weeks. Medicare is looming. First off, my 2022 plan (for only the month of December) was decent. Customer Service, on the other hand, was not. I was not familiar with having an HMO and asked them several questions. I didn't feel confident with the reps, so would call again and then again with the same questions...and received different answers. My last question (posed to just one rep) was whether a mammogram is covered under my 2022 plan. I was told that she wasn't sure, but my plan in 2023 absolutely included this benefit, so I decided not to press further.

We, as I my husband and I have a 10,500 family deductible and 2500. Dollar deductible for each of us. Because I am not sick enough I can not meet my deductible, I do have severe double carotid stenosis with history of two heart attacks and a stroke. Because I can’t meet this deductible, my surgery is not covered. I would have to pay 100% of it. A life or death surgery. Which I can not afford.

This insurance company is only concerned about saving money and not providing quality care when it is most needed - denying care after stroke events and expecting patients to pay for all medical care. Denial claims are worded to fit their bottom line. Requiring progress and then stating that they will stop coverage is counterproductive to any recovery or medical plan for a patient, especially when a patient has a half dozen doctors arguing with the insurance company about poor decisions and a patient’s need for quality care. They are happy to take your money but when quality care is most needed, this company fails miserably. They should be investigated.

Made the mistake to switch to United Health Care Advantage this year. Their total lack of customer service is obvious: Either they don't pick up the phone, or whoever will answer the phone only speak a broken English, and you don't get anywhere. I had to file a complaint with Medicare.

I changed my Medicare insurance to UHC starting January 1, 2023, what a disaster. First, I haven't received my member card yet, after almost 45 days. Called them three times, every time they are shocked and sorry but the same happens again. When I first called to inquire about their Medicare, my health insurance was with them and I was totally satisfied, the fast talking salesman promised the moon. He said that I would get a membership to a gym, that my eyecare is covered etc. I called back to confirm and the lady who answered the call confirmed.

I switched my drug plan to UHC from Humana -- biggest mistake since getting Medicare. Several of my drugs aren't covered and UHC's formulary gives an alternative drug -- NOT a generic. To get the original Rx my physician needs to submit a "prior authorization." Isn't the FACT that my physician prescribed the drug a "prior authorization"!?!? When I called 'customer service' (and I use that term loosely) the person that answered did not speak English as their first language. I asked to be transferred to a US person and they did. However, when that person put me on hold to "gather more information" I was disconnected. I called back and was told by the second person their "supervisors advised them NOT to call back if disconnected due to the volume of calls they receive". Rest assured I will be switching back to Humana as soon as I can.

I became a member of a UnitedHealthcare Medicare Advantage Plan January 2023. Observations: Customer Advocates are located in another country. They have not been trained. I've made several calls and have spoken to several reps who simply do not know how to answer simple questions. Very disappointing. Have since been provided with a number with US based reps. Problems with ID Card/U Card. Currently waiting for 4th card as the prior cards had errors. Unable to use U Card benefits due to multiple errors in card generation.

I have been trying to use my new UCard to purchase healthy products and make utility bill payments. UHC sent me multiple UCards with the wrong doctors' information and bar codes that didn't work. Their online bill pay system has all the WRONG information and don't allow customers to manually enter the correct information. Their ** customer service agents are not only incompetent, they don't understand anything and even need simple things like DALLAS spelled out. They are unprofessional and intentionally give customers a hard time. I have a recording with the agent and her colleagues giggling in the background. When I asked to be transferred to a U.S. agent, they pretend to be concerned, put you on hold for more than 30 minutes, then hang up on you. They are in collusion with Walmart for the bill payments to collect the fees and make things extremely frustrating for seniors. This is NOT a good use of a "benefit."

I have been a UHC customer for 5 years. Evidently they have gone overseas with their customer service. When you call, if you can understand them, they cannot explain your benefits to you! I have to make multiple calls and either get multiple answers or the answers do not make any sense. For example, I was calling about a diagnostic procedure where they inject ** into my back and if they perform this procedure two times and I get 89% relief each time then they will do a nerve ablation.