UnitedHealthCare Reviews

Switched from Medicare supplement to Medicare Advantage. I was assured that my autopay was discontinued on old plan, not the case. Upon calling, couldn't find my old plan! Said I would have to SNAIL MAIL proof from bank that UHC took money from my account. No email and snail mail is very slow for them. Finally they found my account. Said 7-10 business days/refund. I am stopping payment ($25) on my autopay because I don't believe them. Reps can be hard to understand and they don't understand me sometimes. I believe they read from a script. I wonder if I will get my refund. I expect to have to make more phone calls. Not happy.

As an American physician, I hadn’t heard anything good about United Healthcare from my patients but had no first-hand experience until I enrolled in United’s Medicare Advantage plan. A few days after enrolling, I moved to a different state and subsequently found out that United does not provide coverage to people living in my new zip code. I was disenrolled because of my new address but still billed for my premium though they had provided me with no services at all. This is how their CEO earns his $21M annual salary. I would never recommend them to my patients and would never consider enrolling with them again.

I used 60$ of the benefit offered to pay on my electric bill. Electric company says they did not receive it. Filed grievance with UHC. They even confirmed with electric company during a 3 way call that they did not receive it. Grievance ticket was closed without Even updating me. They say, "Sorry, our records show it was paid." I lost 60$ and they won't offer any kind of resolution or compromise. Electric company says if UHC would show a copy of check they could trace the payment. Uhc says they don't do that.

It has become increasingly clear to me that United Healthcare OptumRx is deliberately avoiding processing my ** prescription, likely due to its high cost. A manager at United Healthcare explicitly stated that my ** prescription would never be approved. I am a 63-year-old woman who has lived with severe Atopic Dermatitis since birth. Despite trying various treatments such as creams, ointments, phototherapy, steroid injections, and numerous other remedies, my condition persists. United Healthcare has denied my request for ** and is insisting I restart the process from when I was two years old. This disregard for my health needs is deeply disheartening, and it raises concerns that United Healthcare OptumRx may prioritize financial considerations over patient well-being. I deeply regret choosing this healthcare provider. It is crucial to highlight that OptumRx, under United Healthcare, seems unwilling to process prescriptions with substantial price tags, leaving vulnerable patients like myself in a worrying position.

Upon retirement UHC is the company my former employer contracts with. I've been with UHC 2 years. It is extremely difficult to resolve any issues. They have a high denial rate. Each member needs a different email address. My spouse does not use email. UHC requested a credit card to unlock my online account. A credit card should not be required for unlocking account. The site does not offer an email option. I had to google UHC to find an email address. UHC gives different answer for the same question. UHC is the worst medical insurance company I have ever experienced. UHC never explains if if medicare parts A/B or medical advantage is responsible for payment. Saint Paul, MN

This company is pathetic. They offer almost no help, their website of recommendations is out of date, and their plans are a legit ripoff. I am almost paying more for this horrible plan than I'm paying my doctors outright for the actual care. DO NOT EVER USE THIS COMPANY. If my employers offered any other healthcare, I'd have switched years ago.

My husband's employer changed insurance to save money. They went with United Healthcare. They have not once but 5 times told me different reasons why my prior authorization prescriptions have been denied. None that was a legitimate answer. They went as far as saying it wasn't FDA approved and it is. Then my prescriptions I'm currently taking they're now only paying partial when they've been paying majority of it. I've gotten the runaround with their representatives trying to answer my questions to my claims, benefits. Terrible services. We used to have Anthem and never had this problem.

On Feb. 12, 2024, I called Dr. ** at Ohio Pain Clinic for an appointment. I had to leave a message for a call back. No one ever called back. When I called again and again, I was finally told that UHC had denied a precertification. I've been to Dr. ** many times with Anthem and never had any problems. UHC is new this year, required by my former employer. I can barely walk right now and the pain in my hip is excruciating. I've called UHC several times and was told the pre cert was in process. Dr. ** person says it was denied and resubmitted. UHC then told me to have Dr. ** people expedite it and then it would only take 72 hours. I told Dr. ** person that and she said that expediting it never works. It is now March 2 and I still cannot get an appointment. I am 70 years old with extensive arthritis. Dr. ** keeps me moving and I really need to see him. I am at a loss as to what to do.

United knowingly takes monthly premiums from all, and take in funds from government for Obamacare, and yet know there will be no Doctors accepting new patients at all...Three months, four advocates, searched and still no Doctor appt. We went to three only. Appt. confirmed only to be canceled on due to me not being in their network? United sent me and I set up appt that was confirmed by all only to get sent home. Still no Doctor accept United for not being paid it appears online...Take the money. Leave them hanging ....Lovely group of folks.

We recently switched from "Select Platinum" to "Core Platinum". Do not do this (employer provided). The coverage may look the same but the in-network facilities/doctors are a lot smaller. None of my current doctors accepts this insurance. We are paying more than last year to have this plan but I have no doctors or facilities covered in my neighborhood. Even Urgent care we would need to go to a different city. I am scrambling to find new doctors for my family. Their website to "find providers" are out-of-date, some do not exist, or some have moved out of state that are still part of the search which is making things much harder. We just have to hope nothing happens this year, and change to a different one in open enrollment.

I've had United Healthcare Preferred care for about 10 Years now and have had the best Drs and customer service than from any other coverage I've had from anyone else. Seems like only complainers giving feedback here.

When I changed to a different carrier, they continued to auto deduct my payments. When I contacted them, they stated I needed to call and cancel even though Medicare said it would be automatic like it has been with the other five plans I have used. $ 320 for absolutely nothing...

UHC does not pay 90% of my claims. I get all the proper referrals, jump through hoops, go only in network, call for preauth and then they refuse anyway. I have about 10K in medical bills because they just do not pay claims. I have appealed about 15 claims and spent over 40 hours fighting this company. It is better to self pay and as I don't even feel like I can get medical care.

I tried UHC at 65 for two years. They charged me $345 for a tier two drug, plus refill January 2nd. Two days later they sent a letter saying I was no longer eligible. They would not refund my annual fee. They sent bills charging more than my share till I complained. They are a phone tree and lie about sending EOB's. Aetna has been way, way better now.

United Health Care is the WORST insurance I have ever had! My employer pays over $2000/mo for my "coverage". Aug of 2023, I had purchased DME, which UHC paid for, out of network, and I paid $2568 for my share which more than covered my annual deductible. Had a regular Dr visit right after this, I paid my part, UHC paid theirs. Come Jan '24, UHC changed their mind about covering my DME and thereby rendering my deductible not met... And thereby pulled their payment back from my Dr for the other appointment, making me 100% responsible for BOTH. Now I owe over $4500!!

UHC has slashed benefits in 2024. Specifically on hearing: last year's benefits were over $4500 for two hearing aids, this year, $2500. UHC Ucard went from $240 per year to $160. ER cost went up and I'm certain this is not all. Plus, I live in an area that does not have access to doctors and hospitals (90 miles away). They've all left UHC. There are a couple of dentists left and Optometrists. But I don't have access to the perks such as exercise classes that others can avail themselves of but still pay the same premiums. I am not reimbursed for mileage to visit doctor (180 round trip). And now there is the loss in benefits. I should have read the changes when the open enrollment was in effect.

I joined United Healthcare specifically for the UCard benefit to help buy food. Stuff that is supposed to be covered is not. I have had to pay out of pocket for things that were listed in the catalog as covered. Sure, you can put the card toward rent and utilities, but restrictions are likely there too. I have had nothing but trouble since I joined in November of 2023. I thought this was the right thing to do, but it clearly was not. I will be cancelling my policy with them effective immediately. 0/10 do not recommend.

My PCP doesn't accept NYS health workers??? Seriously sick!!!! No PCP after 15 years with my provider because you can't pay them!!!! I am a health care worker that's been thru pandemic but now nobody can help me!? Just wow!!! I PAY For sg.

My husband and I both got on Medicare UHC advantage plan in the last few months. BIG mistake. I've been more stressed in the last few months than in the last ten years. Everything online about the UCard says it can be used for certain foods at grocery store. WRONG!! I was depending on it to purchase my buggy of groceries today. It was flat denied. When I called customer service I got two people that didn't know their head from the other end. I was told my plan didn't cover food. They said info online incorrect. Is there a way to sue UHC for false advertising?

Every month, when I go into the United Healthcare desktop app to pay my utilities, same story: I'm at first successful in paying my electric bill; then when I attempt to pay my internet bill afterward, I'm prevented, because even though the app initially displays my true balance, once I click "Bill Pay" that page displays minus (-) $4-500!! Before this month, I was able to resort to the desktop app to pay the internet bill. But now the same thing happens there. I wasted 2 hours trying to get both phone and live chat support! My only option: Stand in a long line at Walmart's Money Center, hoping maybe I can pay my bill directly from my Ucard! It's way past time for United Healthcare to get it together with both desktop and mobile apps! Thousands of members, especially seniors like myself, are dealing with unnecessary stress every month over Ucard issues, especially bill pay!!

So far my experience has been horrible!!! We changed insurance this year since our last insurance no longer offered the HSA plan. I chose UHC because I thought they were a reputable company. So far the transition and services have been horrible!

This is the worse insurance company. God forbid it’s an out of network facility, you are doomed!! I’m trying to get inpatient rehab approval for my elderly mom who had hip surgery after she fell and broke her hip and I’m just getting the run around. They are not denying but not approved. It’s under review and they’re working on it for over a week. I’m very frustrated with them. I’m definitely looking for something else.

Didn’t know I should’ve been expecting a new card this year… went to use my card and it didn’t work. Called twice before someone even notified me of that but still have not received a card. I called today to just order a bunch of stuff instead of getting the food I needed because my benefits expire in 6 days… I was on the phone for over three hours being transferred all over to every department. UHC blamed Medicaid but they filled a complaint because they actually have the right address but UHC systems show they have a different one. I was transferred to the online department so I can use my phone and barcode but was told after passing the verification that it’s nothing they can do for me because I no longer had the phone I signed up with….mind you I been with UHC for years before they dropped me last year claiming I didn’t have Medicaid… which was also not true. I’m disabled.. Had it for years.

I have had nothing but problems with this exchange plan in 2023. First, they told me my doctor was in-network and then denied the claim saying that my doctor was no longer in-network but it hadn't been updated in their system. Then they made me file an appeal in order to have it covered when it was their mistake. Every doctor visit resulted in hours on the phone trying to get it paid. They even denied my Covid vaccine after telling me it was covered. Horrible plan, horrible company... they should not be allowed to sell these exchange plans. I paid almost $1,000 a month and had nothing but headaches...

I have been working with Customer Service and Technical Support for several months to resolve a simple problem in creating a new online account with NO SUCCESS! Each time I call in, I am transferred to multiple departments with the agent telling me they do not have the authority to resolve the problem. The problem is that I am not able to create a sperate online account since my Husband already has one on our email address. I had a new email address created to use with my new online account with UHC but was told that my new account can not be created until the old online account I had years ago is deleted. This should be a simple task for the Technical Support team but no one will assume the responsibility to simply delete my old account. I've been told twice that my issue has been sent to the Escalation Team who will contact me within a week with a resolution. However, I was never contacted.

My company had to switch from Humana, who had excellent coverage, to United Healthcare because Humana was no longer doing commercial insurance. We have had this insurance for 3 weeks and I can already tell you that I am dreading the next year. There are barely any specialist that are "Premium Provider" which means I have to pay a deductible instead of my $30 copay. They will not pay for my ** even though I'm pre-diabetic because I'm not 100% diabetic. All of my coworkers are having the same issue. If our employer goes with this insurance again next year, I'll find my own insurance out of pocket. It's the worst!

I registered my mother-in-law and my father with UHC online years ago. Both have passed away. UHC cannot now remove _my_ email addresses from their online accounts because their customer service reps do not have authorization to make such edits. It's just a database entry, someone at UHC does have database administrator access to make such edits, but UHC is not able to make it happen through their customer service numbers. This prevents me from registering myself with UHC as I choose not to create a new email address just for UHC. I already have way too many email accounts, now and past, I do not wish to have yet another wasted email account.

Do not trust this company. I selected a plan from them at which point I was instructed to provide the first month payment so that the coverage could start on time. After submitting my payment information my card was charged in seconds. Exactly two minutes later my card was charged again for the same amount even though I only received a receipt for the first payment. At no point did I receive anything in regards to my plan information, policy number etc. in an email as promised. They now had hundreds of dollars of my money.

As you can see from the other reviews this is the worst insurance company ever! We went from the best insurance Aetna to UHC and they're terrible. Horrible customer service, they offer zero aid to make their clients happy.

Ok I’m not the ordinary age of a medicare recipient and I just want to inform all I can that the customer service is not the best starting off overseas for one that only have question answer abilities very limited on service. Then when you do get an apology and they say they will update the account in a few days and call you back it’s been over 10 and nothing changed nor a call. With Medicaid I was supposed to receive one amount but after now 10 hours of calls on hold chats, I get the same conversation at the beginning of every conversation so notes on my account are not there or the representative just doesn’t care. Now the scary part of this my first conversation resulted in them pressuring me into switching plans when I told them I don’t feel I should and the result ended in me not going to be covered in the following month. So buyer be aware if you have an issue or dual Medicaid Medicare customer.

This company pays other companies to use their name to call and harass you. All of the customer service reps have thick accents that you cannot understand. In addition, they promise to call you back, but will not do so. If I could give them less than a one star I would! Do not waste your time!

I just bought coverage for my family a week ago and I 100% regret that choice. Absolutely horrible customer service and the portal does not work. I tried calling over 4x and talked to 4 different reps who did absolutely nothing to help. One rep hung up on me after I was on hold for 30+ minutes. STAY AWAY!

We just became members through Medicare in 2024. We have been on the phone with this company since 01/04/2024 for about 3 days. We were routed to about 8 different people to be told 8 different answers to the very same questions! We were on the phone with them from 8:15 AM EST to 11:49 AM EST. We tried to speak with a supervisor several times but we were told they could not hear us, or they would call us back. What an issue for 2 senior citizens with health issues!!! Stay away from this company!!! I am not sure why AARP recommends this company, they are not user-friendly at all! Read this review on Yelp.

I’ve been on Medicare for nearly 10 years and like most Medicare patients when “enrollment time” comes around in the Fall, I receive a slew of unsolicited phone calls and promotional material in my mailbox to sign up for an “Advantage Program”, as the pitch is, you can save a lot of money and get added advantages not available through the standard Medicare plan. But folks, here is what they don’t tell you. If you have a problem and need some help…LOTS OF LUCK. The web site for the plan I chose is TERRIBLE. I spent nearly an hour on the phone trying to get help just to register on the site.

UHC gives the run around for submitting claims out of network. My daughter's specialist does not deal with insurance therefore everything is out of pocket; he is the only specialist in the area that can treat her condition. Out of roughly $5k submitted to UHC only $135 was counted towards the deductible. After hours on the phone with UHC agents, they don't acknowledge codes used on the bill or they don't like how quantities are hours were recorded. The doctor's admin confirmed all codes are straight out of the standard medical codes and they cannot change the codes. Basically, we paid insurance for nothing. Thanks UHC! We recommend your services to nobody.

I have had nothing but a horrible disgusting experience with United Healthcare. They don't know what they're doing. I suggested to them that their leader maybe could get a good job at Walmart. It doesn't take any intelligence whatsoever. United is about a half a step behind Humana and Humana sucks to put it politely.

They screw up everything, nobody knows anything, most of the phone representatives are hard to understand due to their thick accents, they hang up on you or dump you back in the queue, they have a ridiculously long automated phone system you have to jump through, the representatives refuse to help you unless you meet all of their demands even when asking for a manager so you can file a complaint about the previous representative hanging up on you, I hate them, I hate them, I hate them! I'm disabled and they force me to have a part time job getting them to pay the bill! HORRIBLE, HORRIBLE, HORRIBLE company!!

I was contacted and explained properly this time as to why I was not receiving a refund.

Received a prior authorization for a doctor. Went to see them and had to pay over $600 out of pocket. So I mailed in the letter and form that showed I was approved to see this doctor. UHC has denied to pay me anything. Just reported them to the insurance board and surprise billing.

I was looking for my ID cards for vision, and when I contacted in chat I was told that the person does not have access to my Vision Account and hence he would need me to connect to VISION Team. The chat person connected my chat but it landed to the Dental Team and again I had to wait a long to get connected to Vision team and eventually nobody turned up on the chat. This is simply horrible. I think UHC needs to train their Customer Reps that there is always something important when Clients try to get on chat and ask for help.

I had United Healthcare (UHC) when I first was eligible for part B Medicare. I decided to try a Medicare Advantage plan the next year. Through Social Security, I was eligible to switch back if it was the first time using an Advantage plan. So on October 19, 2023 I called UHC to tell them I wanted to switch back to traditional medicare supplement Plan N. After 90 minutes on the phone with an agent, going through the application process (which was not necessary- I was entitled to switch back without underwriting) and giving her my bank info for auto payment, I waited for my card and info to come. And waited. And waited.

I am being denied a drug that could prevent me from becoming a type two diabetic. I am prediabetic, but cannot be prescribed ** because I’m not a diabetic yet. United Health Care would rather me become a diabetic, than use preventative medicine to stop that.

6 months ago I had my dentures done. Since I have mailed in my claim twice. Both times to addresses they provided, both times a different address. Once I even spent an extra 20 bucks to overnight it. Now here I am again, it has not been received. I guess they just throw the claims away instead of putting them in the computer I don't know. Now again I have to go to the dental office an hour away get the paperwork and resubmit.

Last spring, I had symptoms of a cardiac event with arrhythmia. I've never had arrhythmia (in my 50's), so this was very concerning. Previously, I had never even been to a cardiologist's office as a patient, but had worked in many as an echocardiographer. On the day of my heart symptoms, my blood pressure was over 100 diastolic...Which is in the range of stroke and heart attacks with over 100 beat per minute heart rate. Now, I couldn't tell if the heart pains were from the high blood pressure or the new arrhythmia. Maybe it was a blood chemistry problem. So, I went to the cardiologist that I know to get examined, as I knew he would fit me in the same day since I worked for him for several years. He did and I went in to see him.

United Healthcare is a company that is poorly managed. Their customer service employees have little training if at all. United Healthcare and its subsidiary Welmed use poor judgment when dealing with its customers.

After giving us the runaround with requesting additional documentation multiple times, they denied coverage for an influenza vaccine for our daughter and claimed that it was out-of-network. We will be switching to a different health insurance company, it's been nothing but problems with UHC.

Due to a billing error on their end, I lost coverage for me and my son. Lucky for them I just had a major surgery that they won't cover now. Their customer service is horrible, you can't even understand them. Choose other insurance for you and your family!

Bad bad

UHC has absolutely the worst customer service I have ever had. One can never get through and when one does they give misinformation, drop calls, give one wrong numbers for departments. I was told by three different people that I would get a reimbursement for a gym membership near me that was not on their list. One of the agents who assured me that I would be covered sent me a reimbursement form which I filled out with the required receipts, and mailed to them. I never heard back. This was months ago. I wrote a letter to the manager of the reimbursement division. Not only have they failed to reimburse me but they have never responded by phone (as I requested), nor by email or letter. I would not recommend them to any one.

United Health Care is one of the worst Medicare insurance. Had this insurance for one year and it was a nightmare. They promise dental cleaning but they lie. I had to pay out of pocket, now they keep sending many notices for Medicare Advantage but to me is Medicare Disadvantage, I will like them to stop sending notices I am not going Back. I dislike them so much.

All I can say is lazy, foreign unprofessional people that didn't care are hired as customer service reps. They lie to customers, and transfer 4 times. United Healthcare should be ashamed of themselves for allowing this!

United Health Care's customer service isn't customer service. They take my monthly premiums extremely willingly, BUT I have had an appeal since June 2023. My college daughter had a procedure done and UHC said it would be paid for. Then, I received a bill from the dentist for over $1000.00! It is impossible to get any responses. I have called customer service 8 times since June. Most of the time, I am on hold, only to be disconnected. Shameful company,

UHC bought Rocky Mtn Health Care division of Medicaid in Colorado. Since August 8 2023 I started receiving phone calls from phone number 978-, however Verizon marked them as spam and sent them directly to voicemail so I was unaware until August 15 when someone tried to call me and told me my voicemail box was full. After listening to the VM, they were either for me, Brandy or for my husband or son who share the same name, from United Healthcare Community and had questions about service and to call 877-. Considering the amount of messages I thought it was urgent so I called, I got an automated "person" asking if I was NAME (husband). I said no, was I NAME (son) I said no, was I Brandy I said yes. It then asked if I was able to get in quick for appt. I said yes, was it easy to make an after hours appt? I said no. It then said I was going to get a gift card and to state my email.

We paid 3k for my daughter insurance, because the college required to have an insurance, from the 1st day of college started, and all other enrollment are open only on November, so no chances to apply for any other. So we paid. Then our family doctor sent us to do a blood work, and guess what insurance does not cover the blood work. We were shocked after we got a bill for 700$. Not recommended from my own experience.

United Health Care should be ashamed of how they treat their so-called members and what we need help with. Denying a med they previously covered, only to find out all appeals exhausted is beyond disgusting. I did what they asked, even redoing previous meds that were proven not to work. I will be 42 next year, and have been on migraine meds for 30 years. I've been a beta tester for Botox, trigger injections, and more, in fact, I was part of some of the first group of trials tested for these.

November 2, 2023, tried calling UHC customer service, as I received a letter from my COBRA administrator to contact them about the conversion option on my policy. I am shocked by the complete incompetence of all 6 of the offshore customer service employees. When I asked to be transferred to a U.S. office, to speak to a supervisor, they would either disconnect me, or transfer me to someone else at the offshore office, that was not a supervisor and equally inept. Super scary that there is no one running the show at this corporation. What are they thinking! Allowing untrained, uncaring people to represent their company.

My mom had her supplemental insurance through United Health Care and had $292.50 per month auto deducted from her bank account. She passed away 2 months ago. We notified UHC immediately and were told it was too late to stop the auto payment that was scheduled in 2 days but they would reverse the payment within 10 - 14 days. Did NOT happen. Gave them almost a month and called again. Was told it WOULD be reversed within 10 - 14 days. Again, did NOT happen. UHC provides HORRIBLE customer service on top of the customers who have posted on Facebook about needing life saving medical treatments that UHC was NOT approving. Stay away from this company!!!! I should be grieving the loss of my mom and NOT fighting with this heartless provider.

When I poop, the toilet is filled with blood. A colonoscopy (which was covered by United Healthcare) revealed polys which need to be removed. United Healthcare is denying coverage of the surgery to remove the polys.

After signing up for a supplement plan, we've gotten automated phone calls. One came today, during the supper hour! It sounds like it was some kind of health survey. Being otherwise occupied, I hung up the call and decided to call back later to find out what information they need. When I called back, I got this annoying repetitive recording that there are more people than just me with the same phone number in their system. I tried several different ways of jumping the queue, like dialing 'O' for an operator, to no avail. There didn't seem to be a way to reach a live operator. If today's experience is any indication of the kind of customer non-service they give, chances are I will not be well satisfied with their insurance.

They own Optum Specialty Pharmacy. You must get medications from them. Optum Pharmacy often don't have the medication available to ship. You will have to wait a week, you are not allowed to go other Specialty Pharmacy? United will deny reasonable claims after medical procedures which will make you liable to cover the costs. AVOID United if you can!

I spend hours trying to pay or even prepaying my insurance premiums. I still get nasty letters with inaccurate information from them stating that my insurance has ended due to lack of payment. I have no time to do anything else and this making me sick.

This company routes you offshore and doesn't list providers. I called so many times for providers and they kept on telling me to go on Medicare's website. I kept on telling them it's an HMO plan and I need to get set up with a provider in San Diego that accepts their plan. They kept on giving me doctors that didn't take the Medicare Advantage plan. I found out that one of the largest HMO providers stopped taking this plan (Scripps) and there is also legislation in Congress pointing at how these plans are scams and you should just use Medicare's Gap plans directly.

Begining 2023...To make a long story shorter, I visit my doctor the 28th of every month. I recieved a notice from UHC in mid Feb (just prior to my next visit) that they denied my doctor bill of Dec 2022. Said my doctor was not accredited so I would have to switch doctors. My doc has no clue what they're talking about so I had to pay for Jan 2023. Same doctor I've used for 7 or 8 years. At the same time this happened I was calling them inquiring about the flex card I was supposed to get. I made the same inquiry twice a month and twice a month they verified my info and said I would get it in 5 to 10 business days. Same thing over the course of 8 months. Finally at the end of August 2023 I received the card. I have too many other complaints about UHC so I plan on switching plans for 2024. I advise anyone who is thinking of UHC to do extensive research and don't just rely on reviews.

I am a recent and new enrollee to AARP PPO Advantage Plan of United Health Care (UHC) beginning January 1, 2023. I have to take a very expensive drug for my pulmonary fibrosis - a tier 5 drug. I had called Optum Specialty Pharmacy that specifically deals with expensive tier 5 drugs several times (6 times to be exact) in January and February asking about this drug. And the end of each conversation I asked if they knew what a tier 5 drug category was, and they did not know or understand.

PCP changes automatically and you get nowhere with customer service. Don't pay for their healthcare. All you get is the runaround, computer problems which no one seems to know why. Seems like there trying to get you to go to a clinic of their chose not yours.

I have UHC Medicare Advantage PPO. Everything was going along fine until l started getting claims for treatment rendered in the State of Maine (I live in California). The claims began August 1, 2023 and today is September 29, 2023. I have made a least 20 calls to UHC and spoken to 20 different people. I filed a grievance and a complaint explaining the claims were not mine. I have since filed a complaint with Medicare Advantage and Medicare directly. I have never dealt with a more incompetent company as well as a company who couldn't care less about their clientele. They are morons. I have since spoken to the hospital and all the doctors in Maine where the claims came from, and spoken directly with their billing department. I also called UHC in Hawaii. Everyone was wonderful except those in California affiliated with UHC.

We had to switch health insurance because my husband switched jobs, unfortunately United Health Care is the only option his employer offers. This is the most we paid for an insurance, but the worst coverage we've had ever despite opting for their best plan. They deny prescriptions we've been taking for years, they deny crucial claims... Their staff is not knowledgeable, and trying to get any answers is an absolute nightmare. Beware, stay away if you can. If you're dealing with any medical conditions, they will make it worse and much harder to deal with. It's beyond my understanding how they are in business to begin with. SHAME ON YOU UNTIED HEALTHCARE.

I have had UHC through work for a little over a year now having switched companies and thus insurance. Thus far it has been, by far, the worst health insurance I have ever had, despite having one of their "better" plans. A few major highlights:

When you're shopping for coverage, the Rx side will come in low, by using their mail order service. The problem is, they never have the prescriptions, so you have to go local and pay high copays. Don't believe them when they show lower cost, it's just not true. If you call customer service, you'll just make yourself angry, they never take responsibility.

I live in Austin, and overall, UHC PPO plans that I've had in the past were pretty good, but super expensive. This year I opted for a much cheaper plan, Virtual First, which is an HMO. I liked the idea of having the app Galileo be the PCP, since you can see a doctor for many issues from the comfort of your home, and those are totally legit doctors. So that part of the plan is fine. However, for anything beyond a minor PCP issue, this plan is an utter nightmare. As I've been using it, I learn that it hardly has any in-network providers in the entire Austin area!! This includes many doctors that were indicated "in-network" in the UHC website, but weren't actually in-network. As a result, every appointment becomes a lengthy, grueling process with countless hidden "out of network" surprises you're hit with at every step of the way. It's such a disastrous plan that I'm hating every moment I'm on it. Shame on UHC!!

This is the worst health insurance. you have to pay for everything! They have their preferred medicines so if you want to take a generic drug that cost less, they don't accept!!! I'm more than disappointed with them! 1 star is too much for this company!

Let me start by saying that this is LITERALLY the worst health insurance I’ve ever had. Any time I’ve had to contact customer service by phone has been an aggravating nightmare. I spoke with three different representatives trying to get an actual explanation of my insurance plan (United Healthcare CORE through my employer), and none could actually explain it to me. I had to research it on my own, and once I did, I realized what a scam their “tiered benefits” were.

My Dr. ordered a CT scan to look for pulmonary disease, a terminal condition. All information states that early detection is the key to living the longest although it's still terminal. United Health Care denied the scan, and so denied any chance of early detection. They must own stock in funeral homes. Heart breaking for me and my family.

In the past, UHC was a good insurance company. However, partnering with Optum Rx is dragging them down. Optum Rx has a 1 out of 5 star review average. If you have a complaint, it seems all you get now is lip service and a statement "I'll look into it". Both companies are having issues understanding English and I don't think either of them can read English. This is not about any employee race or background, it is about intelligence and caring about people.

I'm trying to buy over the counter products that are approved in my plan via the APP and MANY phones calls to Customer Service and yet EVERY time I purchase them at Walmart they come out of my Rewards account and NOT out of my OTC account like they should. I've now spent over FOUR hours on the phone with more than SIX people and the answer is TOO BAD SO SAD!!!! That's how their computer works and there is nothing they can do to help me!!!! What kind of customer service or stupid computer system is this??

I have been with the same provider in my immediate area for 20 years. The hospital is just 10 minutes from my home and provided excellent care when I was very ill. To be fair, UHC covered all my expenses and I am grateful. However, as explained in a letter from Orlando Health, UHC has refused to negotiate in good faith with our provider in the interest of profit. They sent a card with a new physician listed as my primary and no longer allowing coverage with my care team of 20 years. I find it despicable that they ask me to see someone outside my preferred team considering these providers have cared for my Alzheimer's husband and me for 20 years.

I have tried to use this insurance company and so many places do not accept it. I've been to doctors who won't accept it, I've been to emergency rooms, I've been to gyms and spent hours trying to find acceptance with little success.

Accident insurance policy is a joke! I purchased this policy as I'm getting older and clumsier. The hoops they make you jump through for ANY type of reimbursement is insane. Even when you submit ALL the requested documentation, they still deny claims for errors on their end. NO ONE calls you back. Of the few claims I have received reimbursement, one check was returned for insufficient funds. To try and get reimbursement has been such a struggle. I’m going through a major depression and have severe anxiety, on top of dealing with the injuries I’ve filed the claims for. I shouldn’t have to call EVERY day to get someone to give me an update. Their website is useless. I do NOT recommend United Healthcare accident policy coverage!!!

UHC stops AARP/UHC Medicare supplemental health insurance coverage. This life-threatening, financially devasting no AARP United Health Care (UHC) Medicare supplemental health insurance happens because UHC customer service reps are untrained or do not know what's required to insure your coverage continues. When monthly premium(s) are not accepted/not paid according to UHC, UHC WILL NOT TELL YOU via EMAIL, A CALL, OR TEXT that YOUR COVERAGE STOPS DUE TO NONPAYMENT. UHC says you have a 30-day 'grace period' to make payment'; this is not true all the time.

United Healthcare cannot be trusted to accurately calculate health benefits, and their customer service is unable to answer simple questions - they only tell you that they can't answer and refer you to another department or to Naviguard, which will refer you back to United Healthcare, completing the circle. My company switched to United Healthcare this year and my experience has been completely abysmal - I'd leave a zero-star review if that were possible.

Every time I contact United Health Care, I end up very upset. Your customer service clerks are very smart-mouthed and love to talk down me. I will be not be treated like this. I am seriously considering changing my service.

I contacted United Health Care and ** in June to cancel my coverage (obtained through Healthcare.gov/ACA) when I became eligible for Medicare. I was billed for June and then also for July. United Health Care said they did not receive the cancellation notice from **. I phoned ** and was told that the coverage had been canceled in June. I had to reject the auto payment in July through my credit card company and this issue is still not resolved.

This company will take your money and not deliver any worthwhile service. Greedy corporate company that does not prioritize customers. I am on hold for 30 minutes to get a call transferred to another department. I think they make it confusing so a customer will give up on the claim. Disgusting.

Thank god my employer dropped United Health Care in 2023! I still have post traumatic STRESS syndrome from this company. Believe it or not, I'm still getting invoices from 7 months ago! Let's start with the $200 emergency room visit when I was admitted to the Hospital. I filed the grievance and they said NOT COVERED. I also loved how I was charged $1,600 for an emergency room doctor who was NOT IN-NETWORK while I was IN a IN-NETWORK hospital! United said I should have checked before getting admitted into the ER. Let's throw in the $1,700 ambulance ride too (not IN-Network). I guess I should have stopped all cardiac emergency on me and just simply checked my phone APP or better yet just call them. My employer has switched and it is a night and day difference.

Literally killing my friend because they don't want to cover a minimally invasive valve transplant, because if they cover for my friend they would have to cover for all. My work offers United coverage, I won't be renewing. Outside of the coverage being fairly useless, they are an evil empire. I'd rather not be covered and die from avoidable illness than give these people another dollar.

We used this company to receive a base policy and then upgraded to a maternity plan to cover hospital expenses, for a normal, healthy birth with no unexpected issues or emergencies. Prior to taking the additional coverage we triple checked with the hospital billing that the policy would be adequate; they examined the policy and confirmed (in writing) that our out of pocket would be $3k and that the policy would cover 100% of the remaining.

Worst company ever. Could care less about health only how to take your premium and not pay benefits... Force you to hit deductible then not pay benefits after you hit it. Deny deny deny call. Deny deny...

At first, UHC was an absolute delight but then, after only about a year, the truth surfaced. I had "Dual" coverage Medicare/Medicaid and all was well until UHC somehow, unilaterally decided that I no longer qualified for the Medicaid coverage and insisted that I had to change my plan. I'd received confirmation from Medicaid that I was, indeed, fully covered. I personally visited the local office for direct confirmation and sent official notice of coverage to UHC. A follow-up with UHC, they again, denied coverage and as I was on the phone with a "Customer Service" representative, he contacted Medicaid in a "conference call". Again, coverage was confirmed by the state Medicaid office and the Medicaid representative told UHC that they "seem to misunderstand".

This company is BY FAR the worst company I have ever dealt with in my life. The agent that called me, not sure how he got my number, lied to me saying everything I needed and took would be covered. It was not, as I found out when I got the terrible email from my catheter company, when I was completely out of supplies, that they did not take United Healthcare.

I am an advance practicing nurse. After having my screen colonoscopy, United Health One denied paying for any of my claim because they said it was coded wrong. After assuring it was indeed coded correctly, and reviewing the surgeon’s report, they proceeded to tell me it was coded wrong. Luckily I understand what is happening here because I work in surgery as a nurse anesthetist and throughout my fight, I am dealt a new, unreasonable, incompetent, ignorant insurance person, who argues that they are correct, and they won’t pay.

DO NOT sign up with this company if you have Medicare! For 3 months I’ve paid for my medication because they keep insisting that they haven’t received my pre-authorization from my doctor, who have sent them this 4X, once while I was IN my doctor's office, they fax it. My doctor even called herself and they said it was taken care of, but when it was time for me to get my meds, I was told they wasn’t going to pay. This only pertains to narcotic or psych meds. I can’t wait until I can sign up with a better supplement, like AARP. I will inform everyone I know not to sign with this company.

Worst customer service ever. I wanted information on a virtual appointment for poison ivy. I was transferred or had to call again. Spoke to 7 different representatives (5 from UHC and 2 from Optum Virtual Care). The UHC representatives all have strong foreign accents and the last one didn't even know what poison ivy is; she transferred to poison control in another state. Two of the connections were garbled. I was not able to get any assistance. My recomendation: if you don't have to get UHC coverage, don't. Zelia L.

Have not been able to access my account for a long time. I put in the right password, then they make me verify with a code sent to my phone, I put in the code, and it STILL says security cannot be verified. And who has time to sit on hold all day. Chat service is useless as well.

I have been trying to obtain the 2023 fee Schedule and has has been nearly impossible. I have called, left messages, written letter and emailed them, not results. I am very disappointed because I am not able to update and complete the fee schedule due to this.

Dental and prescription cover is good. Vision and Medical Need improvement. I bought the highest level I could in my company. All specialist are 80 dollars. UHC really tries to force the patient to use virtual appointment or Urgent Care. Their Optum Virtual care told me to wait an additional three day (7) if I still have a fever to then go to urgent care. They consider biopsy, a surgery and are taking from your high deductible (2-5k). When I complained, appeal was denied and the comments on the price said to use virtual care or urgent care. Really? Their customer services is nice yet all this is out of their hands. One of the worst insurances I’ve had.

If you are looking into using All Savers Insurance for your employees, please look again. It is a complete rip off, doesn't cover anything for diabetics and the representatives will speak to you like a dirty dog. I promise the employees the money that will come out of their paychecks, whether their employer contributes or not, will leave them paying the majority, if not all, for everything. Be smart and look elsewhere or maybe even consider self pay options!

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.

I bought glasses in which they said I was approved but for my portion. Paid my portion and just received a bill approx 4 times the amount more than I originally paid as far as my portion. As far as that one said one thing and the other said another. In other words whose fault. No answers. Ok, my review is toward United Health Care. I’m speaking to them I asked them besides who’s right and wrong in issue of my bill what does plans cover. I see it states up to 200.00 and they only paid 112.86 out of 487.00.

I waited to give my rating and was put back in the queue. The agent didn't understand me very well and I had to repeat myself several time. I told her she could not understand me and she asked me to repeat myself again.

Dealing with insurance is a notoriously bad experience but these guys take it to a new level. We have been jumping through hoops answering and re-answering questions, filling out forms, providing information just to find out why something is not covered. We still don't have our answer. If my employer provided an option to use a different provider I would jump at the chance. NOT RECOMMENDED. Customer service is perhaps the worst I've ever experienced.

I started This process is January and now it's February. They don't have my information. They don't know nothing. I have to turn in paperwork that you didn't tell me now I have to redo my application because now that I know it's too late so I have to redo this again. Wow. This is crazy. Communication is terrible. Will not recommend this to anyone else. Too much of a hassle.

They have robotic response as though reading from script, are from Philippines. Every time they say, "We will issue a duplicate" and next time you call they say, "No one has issued duplicate let me order today." They delete call log and disconnect the feature to leave a review after the phone call. Most inefficient service that cannot get a simple job of issuing a card get done. Every time they ask to wait 2 weeks to get the U card and never sent anything. It is 7 weeks and no response yet.

I have a short term disability policy with United Healthcare. I never thought I would need it. Now that I do, I can't get them to pay. I wish I could give United Healthcare zero stars. They will do anything to keep from paying claims. I had to request forms from them 3 times before they were sent to me. Each time I spoke to someone they had no prior notes stating the forms were emailed or even requested by me. After my Dr filled out the forms and submitted them, my representative rejected the forms. Her reason was that the date of the absence could not begin January 5, the date my Dr. put on the forms.

My prescription was 50$ for months. UHC then decided that they want me to use their online pharmacy, Optum so they jacked the price at my pharmacy to $500 to force me to use their pharmacy. I spent every day for a week trying to get it transferred only to find out that they don't even have the medicine in stock. I am now 2 weeks without my medicine and I am on the verge of going to the ER every day. These practices literally put lives at risk and they are using extortion tactics to force me to use their pharmacy. UHC represents everything wrong with our healthcare system.

The United Health Care OTC (over the counter) program has the worst CSRs I’ve ever encountered… Never mind they can’t speak English, but they have no comprehensive abilities.. changing to another service.

United Healthcare lists many doctors on their site as in-network that are, in fact, not in-network. Then they reject claims to those doctors. I called over a dozen doctors, and was told each time that my insurance was not accepted despite the listing on uhc.com. Finally, I found an in-network doctor over 50 miles and an hour drive from my home. After my appointment, the claim was rejected as out-of-network.

As soon as I went on COBRA coverage from my prior employer with the EXACT same plan, filing claims and trying to get medical supplies for a Type 1 diabetes became a nightmare. It's like they found out I wasn't going to have coverage for that much longer and decided to make it as difficult as possible to file a claim. They started requiring all sorts of clinical notes and pre-authorization for diabetic supplies. THERE IS NO CURE FOR TYPE 1 DIABETES. Now all of the sudden they need new doctor information to approve supplies I have gotten for years. Unbelievable.

Updated on 02/18/2023: I notified United Healthcare's Chief Executive Officer of my 1/23 review in a 1/25 email. And, in a 2/17 email notifying the CEO of an unresolved issue & new problems I invited their response to my review.

The 1-866 customer service number is worthless. The majority of agents are not capable of answering your questions. Some agents do not have the skills to comprehend your questions. I have been told multiple times my Medicare Advantage plan will pay 100% of my routine dental procedures at an out of network dentist. (Payments will are capped at $1000 per year.) NOT TRUE! Like most insurance plans, there is a maximum amount insurance will pay to any out of network service provider for ALL procedures. Today I tried to address this issue with a "supervisor". She tried to tell me how the plan works (again). It took a while, but she finally understood I was calling to complain about agents giving customers inaccurate information. She said she would file a complaint. She never said the problem would be addressed or corrected.

Avoid United Healthcare. My doc sent an Rx to UHC’s pharmacy benefit mgr. (My UHC and PBM accounts are current.) The UHC PBM refused to fill the Rx. My doc then sent the Rx to a local retail pharmacy who had no problem filling the Rx.

Since joining UHCare, I've been having issues with understanding the people that answers their phones with this pharmacy. Besides the outgoing message it's very hard to understand these people. They need to speak English better.

I was just astonished to find that the United Heathcare prescription plan endorsed by AARP did not cover a standard blood thinner (Eliquis) which is prescribed widely due to its safety for seniors with AFIB and blood clotting disorders. So now I must pay over 450.00 per month for a prescription that is commonly prescribed for this issue. I cannot understand how AARP who is suppose to represent seniors could endorse this substandard prescription plan. I am very disappointed for this stain on AARP’s reputation.

I'm being denied a request for medication based on the fact that I haven't tried a cheaper drug that United Health Care/Optumrx wants me to try before being given the drug that my doctor prescribed me. My request was denied by a Jeffrey A. ** M.D. - a doctor that I do not know and that I do not have any communication with. Now I have to make an appeal so that this greedy and unregulated insurance company can save $300. Considering I have no other options through my employer, I am stuck with their services.

Wanted to cancel overpriced short term health plan, because I got insurance through employment. Refused to cancel before the prepaid to date. Now I have to double pay health insurance for 1 month, no refund. This is theft, plain and simple. Stay Away!!!

They should change their name to United Denial No Care! They denied every single claim for over a year, including all "covered" maintenance. They could care less about you. All they care about is YOU paying their bottom line. They don't care 1 iota about our health! How this scan has more than 3 stars on this site should give you pause! DO NOT GO WITH THEM. THEY. WILL. SCAM YOU! Bankruptcy is at the end of this service for you, if you go with this scam!

United Health Care only wants to be wealthy and not keep you healthy. They deny claims after 16 months with no explanation. I thought that surprise billing was illegal. They should not be able to retract from their financial obligations after a procedure. I pay my premiums and they are supposed to pay their part when needed. They are fraudulent. I am better off paying out of pocket and discontinuing insurance. Someone needs to put a stop to their scam. Do yourself a favor and stay away from Untied Health Care!

Even if you can prove you have received faulty contacts, they want you to return each faulty lens before you can get a refund. How am I supposed to do that if I have dailies? Open each individual contact lens case and test them? Then I ruined all the good contact lenses while testing to see if they were faulty or not. Not all the contacts were faulty and I don't have the option of glasses at the moment. It is an unreasonable policy and discourages returns despite faulty product. They want your money and will go to the most painful lengths, (yes, even keeping you blind) to keep your money. They no longer have my business, they practice in bad faith, and I don't recommend anyone utilize their services because they DO NOT have your best interests at heart and DO NOT care about you or your problems.

I met my deductible and out of pocket minimum for 2022. I double checked with UHC to make sure my deductible and out of pocket max are from Jan 1 - Dec 31 because I needed to have surgery in December, they confirmed that was correct. Our policy renewed on Dec 1. My deductible went up 250.00 and my out of pocket went up 450.00 for the next year - I knew that and get it - But now they have added that 700.00 increase to the deductible and out of pocket max to my totals that I have already met for this year for December and it won’t even apply for the next year because it all resets in Jan. This is theft, stealing, scam, what ever you want to call it.

I am a severely disabled individual. I signed up with UnitedHealthcare Medicare Advantage because my disabilities require the extra benefits they provide. I have been with them for 4 months, and have made countless phone calls to them about various things. I have never be treated SO POORLY by customer service agents. I even tried to file a grievance against one and they refused to provide me with any kind of copy or proof of the grievance (despite assuring me that I would get it at the beginning of the process)!

They have rejected 3 valid claims only to revert their decision after escalating the issue. I had to record the phone call to escalate it and get some attention to the same. This is very frustrating, because every time a claim is denied, it takes two to three hours to get in touch with them and get the issue resolved. Why are they denying valid claims in the first place. Horrible customer experience.

I was requesting for my new prescription and was always declined. Made several call to Angela for 3x about their request of prior authorization and so I need to call my physician many times and immediately they took the action of providing prior authorization thru the number of their FAX machine.. But Optum Rx keep saying non was receive for 3x of follow-up. I made another call this time at 1514 11/28/22 to ** (who said it's illegal for him to give his last name). He said the same thing again. That they need a prior authorization. I was also billed for 3 items when in fact I only received 2 items.

I have had a very bad experience with this company regarding a disputed claim and the unwanted barriers this company has created to solving the problem. My disabled 89 year old mother is on UHC insurance and we have a disputed claim involving nursing home care. I pay nearly all of my mother's medical bills so this affects me enormously.

We've had UHC AARP Medicare Rx and Medicare Supplement plans since 2015. I recently tried to update my autopay checking account because of fraudulent activity affecting my old account. Nightmare!! UHC's website does not open on my PC, so I spent 35 minutes on the phone with an agent updating Part D Rx autopay. There is absolutely no excuse for this level of time commitment just to change an account number! I received a confirmation and payment was processed by my bank.

I was told that I did not have proper insurance at my doctor's visit. The blood work was not questioned. I received a bill of $306.02 from my doctor and $564.78 for the blood work. In checking why I was billed it was explained by Medicare that Part B was never arraigned for by anyone. They also said the application should have been denied. When I contacted United Healthcare they apologized and terminated the policy. I then called Medicare to sign up for Part B effective 11/01/2022.

I have Medi Cal and Medicare and was trying to enroll with UHC and they told me I could keep my same Dr. then when they called me to verify my enrollment they had assigned me a Primary Care Dr, I'd never heard of, I told them their representative had told me I could keep my same Dr, and they said I couldn't so I immediately disenrolled, they kept me on hold for 48 minutes... What a pain. Hopefully no one else gets caught up in their lies.

This insurance SUCKS….Read the other reviews….UH is complete trash….Customer service is garbage …Good luck getting anything covered…Tried to use when I needed it most. Everything was denied ….This insurance is perfect if you just want to waste your money and never ever get sick!!!! Otherwise run away from this disgusting fake insurance company…

Nobody knows what they're doing. I have spent more time on the phone with them than I ever have had to with a insurance company and got zero issues resolved. Their ppc referral plan is the absolute worst. Don't waste your money or time with it

I found UHC to be extremely difficult to work with. In fact, the worst insurance companies we have EVER dealt with. There is no clear explanation of coverage when a UHC representative is asked. On SEVERAL occasions, I was told one thing (with regards to coverage), then when the claim was made, it's now suddenly different. We are also passed from department to department and have difficulty getting a straight answer - at that. We are Expat Insurance members, and several times I've received a reply back from UHC saying: "Please MAIL (?!!) your claim to this American address". Do you know how long it would take to mail something to a PO BOX from overseas?? This is constantly a problem. Local departments dealing with International claims.

We have had UHC for several yrs through our employer. They are the worst health insurance companies we’ve ever experienced!! The most untrained unprofessional and rude reps. Long hold times - MANY times I am finally disconnected or they just never answer! And I’ve been hung up on when I press them on something they don’t know the answer to. Another game is they will say they are transferring me to a “supervisor” or “level II rep” when I ask to escalate due to them having no clue how to service my request - I will hold for 15-45 min and then am disconnected. HORRIBLE!

Sadly we don’t have another option of healthcare to choose from from my husband's corporate work otherwise we would switch. The PPO is no better than an HMO. Seems like every one of our treasured drs either doesn’t carry United Health Care but seems to carry Blue Cross and Blue Shield PPO or they are dropping UHC due to not getting reimbursed enough in comparison to the other PPO insurances. I feel like we have healthcare yet we’re paying out of pocket for every dr. It would make more sense to go concierge at this point and know we will at-least get quality care physicians.

worst medical carrier ever. This is an employer provided program. Denied Covid test even though test performed in an in network hospital. In addition, they decided that a provider was "partially" out of network and paid 1 item and denied two. Again, procedure performed in an in network hospital. They still claim they are correct. I would never voluntarily purchase coverage from them.

My daughter had to have hip surgery in summer of 2021 due to chronic hip pain. United Healthcare paid some claims and then decided to deny one of the procedures done as part of the surgery, claiming it wasn’t “medically necessary.” Ya tell that to my daughter who is now pain free for the first time in years. They left us on the hook for an additional $5,000 over and above the thousands we had already paid for the surgery. I spent hours and hours on the phone with UHC and each time it was a different story, ranging from “the hospital billed it incorrectly, just have them resubmit,” to the procedure was not “medically necessary.” Finally, I submitted an appeal of their denial on the claim. They are required to respond with a decision in 60 days. After that date passed, I spent more hours and hours on the phone with them asking about the appeal.

Worst health insurance company ever. If you don't send an appeal letter, they will refuse or try not to pay for the procedure. It's like the insurance representative is better than your doctor. Most of the dental services they don’t cover even when you in so much pain and with doctor’s letter. Heartless company.

I'm 67 years old. I've had plenty of experience trying to get payment on claims from different insurers. United Healthcare stands in the #1 position in my own personal Hall of Shame for healthcare insurers. When filing my own claims (presumably because the Drs offices don't want to deal with the ** this company deals out so generously) it takes 30-60 BUSINESS DAYS to process them. Then another 10-14 BUSINESS DAYS to get a check to you. Then, when I call to check up, I get someone who reads what's on the computer about the claim that has been proven to be WRONG EVERY TIME! The claim has been 'escalated'. I thought that meant it would be noted as a priority! Apparently it was on an escalator going to the bottom of the pile. On June 23, I was told I would get a call from a supervisor the NEXT DAY. Well, it's July 17 and I'm still waiting. Sheesh. HORRIBLE, SHAMEFUL, ABSENCE OF INTEGRITY AND EITHER SUPREMELY DISORGANIZED or FLAT-OUT LIARS.

I was diagnosed with invasive breast cancer (stage 2b). They (United Healthcare, a/k/a UMR, Accolade), delayed my radiation treatment because they denied pre authorization, at first, until my oncologist called them. Now 2 months after radiation they are denying payment, saying there was no pre authorization? Makes no sense. We got prior authorization, in fact, treatment was late because we had to wait for the pre authorization! And now we have a bill for over 14k because this company says there was no pre authorization? It’s horrific to go through cancer treatment and then to have the nightmare of this insurance company constantly betraying your trust. This is what we paid for? I just wanted to warn someone, anyone. If only my husband and I had known how truly treacherous this company was.

First I wasn't advised that since I applied on or after the 15th of the month, the coverage is not reverted to the 1st day of the month. The coverage isn't even started on 06-27-22, when the payment was verified as received by United Healthcare. Because I applied on 05-24-22, the coverage didn't start until 06-01-22. I could have gone bankrupt waiting for the coverage to start if I had to go to urgent care or the hospital. When I call and reach out-of-the-country customer service, there is never a resolution to any issues I raise. Also, while the voice integrated system indicates a survey follows the customer service, because United Healthcare stars in review is around 1.6, no survey comes on the line. Finally, immediately after I received coverage I had to wait to see what doctors, urgent care, and hospitals to go to past 06-01-22, when the coverage started. These doctors, for instance, may or may not accept not accept new patients.

After having a stroke and being in the hospital, I contacted customer service to inquire about my coverages. I received 3 different answers to the same coverage questions by 3 different customer reps. After leaving the hospital with a heart monitor I called again to check my coverages for the unit. I was told by the same rep the unit was covered, then told it was not covered and then was told I was covered in the same conversation minutes apart.

Since the fist day I started with this company I been experienced the worse customer service. All visit to doctors, laboratories and pharmacy have been issues and issues to be covered! I am an HIV patient and they push me and push me to change my medication after been on it for the last 8 years (with no issues with Florida Blue Cross), they do not care about health, they just want your money. They claim pharmacy rush appeals will be handled in 72 hrs, and is a TOTAL lie, they start to handle them AFTER the 72 hrs, meaning a prescription that is urgent can take more than a week. At the end my doctor find for me 6 months of medications supplies because he got exhausted of calling (with me on the phone) with no luck to receive at least an answer. Be aware of finding another insurance when you have to renew or find a new company, THINK TWICE before choosing United Health Care.

I have deep vein thrombosis in both legs and now compression stockings no-longer work and after suffering an injury to my ankle and unable to walk found a vein specialist to assist. I've yet to gain approval for remaining treatment and suffering with extreme pain and I can't wear shoes. Rely on cane and getting tired of the excuses. At this point in time I've begun the process of searching for a new provider and would not recommend UHC to anyone. I need to work but due to current situation can't and I feel UHC is not listening to me.

I don’t usually leave online reviews but I feel it is my duty to warn others how vile and evil this organization is. While they routinely deny cataract surgeries or even an OBGYN checkup, their CEO and mid-tier MBAs make bank at the expense of their consumer’s health. Don’t even bother calling customer service or complaining to your state. The hand-in-glove corruption knows no bounds. How on Earth this corporation is legal confounds me. Evil personified. Horrific.

After over 4 hours of calling United Health Care to enroll in a plan, getting transferred 7 times throughout my various calls, being placed on hold for periods of up to 40 minutes, and talking to agents that communicated as if they were on drugs, not one of them had the capability to handle a simple call, to provide basic information, nor to enroll me.