UnitedHealthCare Reviews

I went to sign up to my local YMCA and was told that United Health Care no longer is participating in the Silver Sneakers program. For the company to save a bit of money it discourage Seniors to participate in a healthy lifestyle. Which will most likely incur more medical payments paid out for avoidable physical health problems. I always felt secure in my choice of United Health Care but will definitely shop around in October 2019. I wonder what else change this year that I didn’t notice.

Attention Women With Breast Cancer... UHC is NOT behind women with Breast Cancer and will fight you every step of the way NOT to pay when you have exhausted every provider they insist you see. I thought our company had excellent coverage and pay a very high price for it for each of us and now to only learn when it comes down to pay for services they will run the other way... Even our insurance broker is at a loss for words as to how I have been treated with my breast cancer...To the point where we have had to file a formal complaint with the Virginia Bureau of Insurance and the Virginia Department of Health!!!

It's been over a week, they changed my plan/policy on me. All my co-pays, etc and don't know how to fix it or why they changed it on me. Called IT for the site to be fixed too to reflect my actual plan and have been told off and refused a manager on every occasion. I've spend an hr on the phone for over a week and still cannot get help on this issue. I NEED TO SEE A DOCTOR.

I submitted a claim to United Health Care after my daughter completed her Neuropsych. The bill says paid in full. Gives the number of hours billed as well as every test performed. United Health Care will not pay the bill because no one in the claims department can figure out how to divide the number of hours into the total bill. For months they have been sending me from person to person in order to avoid paying my claim.

It is normal to not get to speak to insurance companies, banks, etc. when we call, but a healthcare company? I would think answering phones for medical reasons would be important, and it is but only for the patient, I mean fools like me who went with these jokers. 10+ minutes on hold after being transferred after 12 minutes on hold.

My former employer changed my Medicare coverage from Aetna to UHC in January 2018. From that time all my submissions have been paid except for my chiropractor. Many phone calls, letters, still no solution.

I was SO DISAPPOINTED to learn that United Health Care has stopped SilverSneakers. My husband (who has dementia) & I were enjoying using that privilege at the West Carrollton YMCA in Dayton, Ohio. It was very important to us. Why has this happened? I would hope to get a response to this.

United Healthcare is a company that refuses to be held accountable for their words or actions. We started exploring fertility treatment and our Dr. called to verify our coverage - they were told we were covered for IVF with unlimited tries. We moved forward with treatment - our DR.'s office received a letter approving the treatment only to receive another letter the next day saying it was a mistake and we were not covered. United Health Care also had me enroll in their fertility program where they set me up to speak to a nurse who reviewed my coverage with me echoing that I had great coverage and it was unlimited for IVF.

I am having to pay a lot of out of pocket money at the fitness center because United Healthcare has canceled the Silver Sneaker benefit! I am very unhappy with UHC and will be looking for a replacement provider. UHC obviously does not care for its members!

How do you update your dependent's SSN from the United Health Care website? I didn't know and certainly couldn't easily find the option to do so, so I called their support number. The first person I spoke to asked for my information (full name, member ID, policy or group number) first to verify I am me (I am!), then told me that I called the wrong number. The number that I called was provided to me by my benefits coordinator at work, so not sure how that happened. Regardless, she transferred me to someone else, but not before I was prompted to input my information into a phone prompt system.

Why must I travel from Louisiana to Massachusetts in order for United to cover the total knee replacement. United stated that if I have it done in LA. it will cost me 100%. Has anyone else had this problem?

This so called health insurance provider by the end of November had consumed a little over 18% of my gross income in premiums and I make less than $40k a year. This is not an insurance company. They are a black hole and they just take take and hardly cover anything. I cant even get a simple X-ray covered as they gobble up my month to month income. To hell with them and their King Obama who forced the life (ACA mandate) tax on everyone.

My wife has a bad back, they have canceled her MRI appointment 3 times due to United Health Care will not approve it. Every time we call them we get a different person that gives us a different reason why it is not approved. Call A lawyer, they are a scam, I pay $15,000.00 a year for insurance that doesn't work, it is affecting my marriage and relationship with my wife.

Every time I've had a question with them, I get an idiot for a customer service rep. I usually ask for a supervisor. I am able to converse with on an intelligent level. However today I called and asked for a supervisor directly. I got possibly the poorest excuse for a supervisor. Alyssa is her name. I had a claim I called on 2 mos ago and had a supervisor tell me the hospital was out of network and she would send a grievance to the hospital for not telling me they were out of network. 2 mos went by and no follow up as promised so I called back and got this Alyssa or Alicia (supervisor). Was on the phone for over an hour and all she could tell me was the claim was processed correctly. At this point after the previous supervisor told me it was not, I deserved some satisfaction for filing a grievance with United Health Care. She was really very rude and kept repeating herself over and over.

Do not trust. These guys are liars. They do not provide proper service and take away monthly premium with bad service. Had a bad experience with them, really frustrated with the service canceling the service. Looting money from common people.

Do not trust United Health Care Sales Representative. They lied to sign you up not matter if you can or cannot paid the plan is part of their skimming. I was trick into changing my Humana for UHC. The first thing was denial of my medications and second paid only partial payment to the Dr. and lab. I was with this company for a month and I'm still suffering stress and disgusted with the manipulation of their tactics. This is a SCAM insurance company. DO NOT go to it. You will regret it every minute thereafter.

I have never been this disappointed with customer service. I have been put on hold for hours and this is the fourth time. I had short term insurance. They were supposed to cancel it and they are still charging on my credit card. I just wanted to call them to cancel the payments but so hard to reach. Pissed off.

I was diagnosed with Multiple Sclerosis in 1991 and am on a medication called **. This medication cost $5,300 per month. I am unable to afford this medication on my own and so I am on a copay assist program with Shared Solutions where they pay my copay. This is not a 'coupon' like United Health Care calls it, this is actual cash money that the pharmacy (UHC's pharmacy) takes out of an account set aside for me to pay my copay. When I first started on this copay assist program, United Health Care applied it to my deductible, as they should have, since they are getting actual money & not just giving off a discount. This year United Health Care has created a policy that they will not longer apply copay assist money to a patient's deductible. When I talked to United Health Care they told me the following:

Bottom line, they are hard to reach. My employer chose this provider for employee health insurance. There's no way to email United Health Care or submit a message on their website. Support is not available weekends. When chat is offline, you can't use it to leave them a message. Their website has a feature where you enter your phone # and they'll call you back, but it's not working today, and maybe for longer than just today. You have to enter a subject (required field), but the field is missing, so you can't enter it.

My baby has small airways and was diagnosed with Trisomy 18. They won't even cover his CPAP and G-tube supplies, with their platinum level insurance nonetheless! Ridiculous! Are they just wanting our baby to die? Why would they make us pay for all of the supplies and services? What's the point of having insurance then?

In the last 3 days I've tried on numerous occasions to make contact with United Health Care, and every day I've been on hold over 1.5 hours and then get disconnected when they pick up. This is typical for United Health Care as I terminated my insurance with them a couple of years back due to poor customer service and I can only say it's gotten a lot worse than it was 3 years ago.

Hi, I have had UHC for about 3 years and am finally getting to the bottom of their tactics of denying claims. There has been a good 10+ claims that they have falsely denied. They seriously find problems with everything and try to make it as difficult as possibly for you to get things approved. Suddenly in-network procedures become denied as out of network, and in office procedures are being turned into outpatient services falsely. You HAVE to challenge them. Don't accept denials without digging deeper. Read your document benefits thoroughly. If they won't resubmit your claim, appeal it!!! They will probably deny that too! Then you MUST do an EXTERNAL appeal. Even mentioning that word to them will probably cause them to want to take you more seriously.

I'm in a buy in program with Medicaid. Meaning I can't afford insurance through work. So I pay a minimum every week for insurance. I go the eye doctor once a year for eye exam because of my diabetes. I need glasses, so my doctor writes me script for glasses. I pick out my frames at Sterling Optical. They tell me 2 weeks. Oh, They also have to be sent directly to United Health to be made by them. Now, I really need them to drive. It’s been 3.5 weeks, and no glasses. I called United Health and it was denied. I got no notification from them. I'm dropping them ASAP. So please do not go to this insurance company. You will regret it. They are the worst. Worst insurance pay 70% out of pocket.

Went to get my medicine yesterday (I have breast cancer and on chemo). My insurance is "inactive." (JUST USED it Friday) Spent 4 hours on the phone trying to resolve. WAS hung up on, lied to, not called back... NEVER GOT A SUPERVISOR. Had to borrow money for my medicine. UHC wouldn't cover it or help - my insurance should be just fine. Have NEED A round of RED DEVIL chemo in 48 hours. MY insurance better get fixed. EMAILING all media and contacting the attorney general. Have 2 small kids. I've taken on a bullet and won. I've taken on cancer 2 other times and won. Do you think I won't take you on UHC??? Supervisor us to call today... will see...

Have been out of work for 4 months and UHC will not cover a 1/3 of the medicine I've been prescribed. Instead of letting the Drs. do their job, they tell the Dr. what medicine I need. I WILL NEVER RECOMMEND UHC TO ANY COMPANY EVER!!!

America Choice is the killing machine of the world. Abusive to patients. This company became United Health Care which is yet another inept Medicaid plan. I went to see my Endocrinologist who prescribed ** at 175 units 3 x per day plus a sliding scale plus ** because I am insulin resistant. UHC refused to get my insulin to me. UHC will not process the preauthorization called in by my doctor on Nov 28, 2018. This awful abusive killing machine of a company sat on the preauthorization since Nov 28 and refused to authorize my insulin. I will Die without insulin. This is abuse, YOU KILLING INEPT COMPANY.

As a seasoned mental health provider, I am disgusted with the poor coverage and the inadequate care for the insured people. The reimbursement rates are extremely low (60% of most insurance plans), so generally only new or desperate providers are willing to participate. They also require precertification and limit the session time to 45 minutes, which is not standard for psychologists. Very frustrating customer service. I strongly recommended against this insurer if you require mental health coverage.

I had surgery on my right hand in November 2017. The Mayo Clinic in AZ contacted UHC for pre authorization of procedure. UHC did not require pre authorization for the procedure so I went ahead and had it done. After all bills were filed UHC paid some but not others. When I contacted them to find out why they declined the coverage but kept changing the reason why. One year later they claim it was medically unnecessary. The supervisor at Mayo has been great but to no avail. They are trying to stick me with $21,000.00. Why? I switched to new insurance in December 2017 just after procedure when I was offered a new position with a new company. I am no longer with UHC but I was covered through the end of the year 2017. I no longer pay premiums to UHC and they simply do not want to pay my claims. Stay away from this company. They will ruin your life.

The UHC insurance rep told the hospital that we were in network. The UHC rep told me twice on the phone we were in network and covered. We have a letter from UHC saying my daughter's operation was medically necessary and covered. We went to the hospital and the hospital told us again that we were covered and that we were in network. After we had the surgery we got a bill $300,000 claiming we were out of network... Now they want the hospital or us to pay for it...

You’re on your own and you’re paying for it. The worst customer service I’ve ever experienced. Wait times can go on for hours. Different rote answers from different representatives. It’s really only paying for a high deductible.

I visited an urgent care clinic (Piedmont Urgent Care by Wellspring) in February 2018 and have just received an ebill. I had the flu, a very basic visit required to get an antibiotic. Amongst the other charges listed on my bill, is the eval charge; the charge to be seen by a doctor. Keeping in mind, this is not a primary care physician or a specialist; the charge is $320!!! Of which UHC only covers $54.

I have been with UHC for a little over a year now. Just about every claim that is submitted on my behalf is a mess. I have spent time appealing most of my claims only to find out UHC staff did something wrong. I spent one hour and a half on one call with them today and got nowhere. So, now again, am filing another appeal. Member services thinks they are right and sometimes they are not. On my way to Humana for open enrollment. My sister has it and has no problems as I have been having with UHC. I am trying to find some places to write letters that can be effective so they wake up.

I applied for Medicare Supplemental Insurance in May, and was told I should have a response within 6 weeks. 6 weeks came and went and when I called, they said, yes I would be accepted for coverage and they had sent me a welcome package. I received no such package. This phone conversation took place about 8 times, when, finally, I received a bill for 4 months of coverage with late charges because I never paid a bill I didn't receive. I finally sent a letter in October to never contact me again, as I never want to do business with such an inefficient company again.

My wife was hit by a teen driver, putting her in intensive care for one week. She suffered a brain injury which cause her to lose her driver's license and her job. The driver had a $25,000 personal injury policy, we have been with UHC for 40 years and now they have put a lien on the settlement, they claim it's their money. We have lost her 35,000 income, ran up our credit cards and gone into debt. The only drug made, that can help her cost $1000.00 a month. So who deserves the settlement money, UHC or my wife. She needs it to pay off debt. I have played them 5 times that in premiums.

My former employer offered to donate $100/month to offset my Medicare Supplement Plans with United Health Care. It wasn't worth it. When they took my application over the phone on November 6th, the agent told me that she would make sure my application became effective on November 1st so that I wouldn't have any lapse between my employer's coverage (which cut off at the end of the month BEFORE my birthday - which makes no logical sense). It was also essential if my wife (who is five years younger) was to have any medical coverage for the next five years.

This company is the absolute worst when it comes to actually making decision to help the patient. They denied claims for a cheaper generic medication forcing me to take a medication that costs 700 a month and they will not contribute until my entire OON OOP is met. Which I understand are the terms of the policy but the denial and exclusion of a significantly more inexpensive generic is on the market. Clearly the only reason this would not be in the best interest of both UHC and the patient is some sort of deal made between UHC and the pharmaceutical company.

I would never recommend United Health Care Medicarecomplete Choice Plan 1 (Regional PPO) to anyone. I suffered with this plan for 3 years and I cannot wait until January 1st to change. Every single time I went to the Doctor, there was a problem with incorrect payments due to the poor computerized billing system that they have. I spent more time with phone calls and e-mails than I care to even mention. It was beyond ridiculous.

Would rate UHC zero stars if it were possible. Their premiums are far too high. They are shady about hiding third-party fees. They aren't clear about what they will/will not cover and what the patient will be required to pay out-of-pocket. Their customer service wait time is excessively long. Their customer service representatives are unhelpful because they are not knowledgeable about their products/system. You just get a run-around of circle talk and absolutely no resolution. Be warned - avoid these crooks!

This insurance company basically took 125.37 from my account two times under false pretenses. My specialist office never heard of them. I barely had this insurance a month. Am unable to use it. Red flags all around. I would recommend no one to get insurance through them and feel like I should get all my money back.

This company sold me a major medical policy and now claims it is a "Limited Liability" policy. They pay for basically nothing. Every claim is denied for various stupid reasons. They have stolen money from me for three years and none of my claims have been paid. The agent said I had a $5,000 deductible and 80/20 coverage - Not true! This was a bait and switch scam. Please change the rating from one start to zero.

I have had United Healthcare from 2-1-2009 - 10-31-2018 and United Healthcare always denies my health claims and they refuse to pay but they can get more money each month from me. They're unacceptable and I am glad they lost their contract with Medicare and I am returning back to HumanaChoice PPO 01/01/2004 - Current.

I have been a member of United Health Care for over 5 Years. I have never ever had them pay a claim on time or without denying the claim the first time around. It has been a challenge to get them to pay any claims to any of my medical providers or even dental providers without months of constant calling and demanding on my part that they pay the claims. This has resulted in many of our medical claims being turned into collections and others sent to the court system for payment. They even denied my chemotherapy treatment. This resulted in me having to use a out of network provider for treatment with our second insurance.

I'm suffering in pain. Two years ago I had surgery. Now there are complications causing a lot of pain. My surgeon needs a CT scan to proceed and I had one scheduled for today. Unfortunately, United Healthcare has not yet approved the CT scan so I lost my appointment and continue in pain. When the imaging center called to tell me my appointment was canceled, they said it was no surprise and it happens to everyone with United Healthcare.

First of all fewer and fewer providers accept United Health Care. I spent two hours on the phone with them to get an approval to pay an in network copay to an out of network provider. I got a rep in the mail that said two visits were approved. I showed it my provider and they said it had no information on it that would be helpful for them to pay the lower copay. They were right. I called their billing department several times and they finally said they would call United Health Care even though calls to them took hours. When they got ahold of United Health Care they said they had no record of that approval. I gave up.

I am a diabetic; hereditary, I eat right and try to exercise. Very bad heel pain and subsequent back pain. Part of aging but it wacks out my A1C with inflammation and pain. Went to foot Dr.; custom shoe inserts for support are $500 cash. No credit cards accepted. Insurance does not cover. Dr. called and I called 3 times. Was told that they would however, cover diabetic shoes with lesser custom insert 100%. And multiple pair each year. Didn't make $$ sense but I will work within the system. I called back to confirm because of the cost, didn't want any misunderstandings. Yes! Approval letter from insurance company. Called to confirm. Now after Dr. orders all of it. The insurance company denies the claim. I pay them $1000+ a month. They approve "in error" apparently because of the state I live in. These types of items are not covered. How can that be, what does the state I live in have to do with it? It shouldn't. They sent out an approval letter.

My credit score dropped 100 points because of a $100 claim that went months unpaid by UMR. I contacted them multiple times to confirm that the claim was not denied and that it would be paid. They "missed" it, and I had to spend 8+ hours on the phone fighting between debt collectors, billing, and UMR to get the mark removed from my credit report (but it was still there for three months). In addition, I self-submitted a claim for reimbursement, which they admitted sat in their system for over 5 weeks, before they found it (and note I again called multiple times to follow up on this claim).

Optum should not be allowed to advise patients - they are incompetent and dangerous! They provided me with the wrong information about "in network" providers and wasted hours of my time having me reach out to providers personally only to get nowhere. Every customer service rep you speak to tells you a completely different story. After days of them putting me through wasted efforts I tried to file a complaint, and the recorded calls I had made and notes in their system about my inquiries suddenly ceased to exist! This is unethical. When I again tried to file a complaint they mailed me a letter saying "it was addressed" and if I wanted to follow up I could fax them or again call them (and spend how many more hours on the phone). It's 2018: be a responsible company that is accessible to your patients (especially outside of typical hours - not everyone can call during the day if they are working). Provide an email address!

United Health Care is by far the worst. Went to the dr on 9/4/2018 and I had insurance the day of my appointment (lost my insurance on the last day of month, 9/30/2018), even tripled checked with United Health Care the day of and the dr office. Everyone said I was good to go. Even told me, "If your employer terminated you you still have 30 days of insurance," a month later I get a huge bill from dr. When I called the dr he advised me to call insurance so I did. I asked if there was record of my call a month before and she said yes, I asked what was said and she said that I called to make sure I had insurance the day of and she had no record of what the representative said to me so I asked to speak to someone higher.

Cannot get medical providers. Their list is outdated. I am finding them myself. Cannot get healthcare. They approve partial dentures and then dissapprove in the middle of the process. DO NOT RECOMMEND

The official Medicare & You handbook says (bottom of page 42) that Medicare will help pay for medical equipment covered by Medicare. Of course, you have a co-pay and deductible. I called AARP United Health Care to find out if a particular piece of exercise equipment prescribed by my cardiologist is covered. I was told "Yes." A couple days later I called again to see if I had to buy a brand new one from a medical equipment business or if I could buy a slightly-used one from a private party. I was told that it was not on "the list" and it would not be covered at all. I asked if I could get a copy of "the list." I was told "No." I asked if my cardiologist could get a copy of "the list." I was told "No."

THE ABSOLUTE WORST, DO NOT BUY THEIR BAD INSURANCE. First, super expensive premiums. Second, denied payment of medically necessary tests (MRI) that were ordered by Dr. - this was not an elective test. Third, they have an arbitrary and mysterious system for applying your out of pocket cost to the deductible, which is never explained. Out of $3,000 I had to pay out of pocket, only $500 was "allowed" and applied to my 3,000 deductible. This is really the worst thing since it makes this company a fraud, actually scamming us. Under their scam system, no one will ever reach their deductible or out of pocket maximum, and they will NEVER pay your health costs. Which is what happened to me. We have been bleeding money since we've been on United Health Care, and we can't wait to get rid of them. Horrible.

It seems that everything requires a prior authorization. You show up at a scheduled appointment at the hospital and are sent home because a prior authorization is required. They drag their feet saying the prior authorization takes 15 days. Then they want to switch you over to something else that doesn't make sense instead of what the doctor is recommending. Instead of receiving care for your medical condition you end up in an endless maze of bureaucracy.

I have United Health Care coverage through my employer and every time I need to use insurance, it’s such a headache. When I moved here from Canada, I had to get a new prescription for birth control - and then United suddenly required that this go through their OptumRx dispensary instead of letting me use the drugstore. Once my Rx expires, I had to go through the process of getting my doctor to fax them my updated Rx, but in the meantime, I couldn’t get ahold of my doctor to do this for weeks. Whatever, I finally get my pills and am okay for a year. Rx expires, and I go back to doctor for a new prescription to give to United/OptumRx. But suddenly they’re not covering this type of birth control because of “an ingredient” without any other information.

For nearly a year I have been unable to look up providers of any type on the UnitedHealthCare website. I log in & within seconds I get logged out. I've reported this problem many times and get nowhere. This is unacceptable. All I'm trying to do is a normal query any website is able to handle. It is ridiculous this has not been fixed for all these months. I will not recommend United Healthcare to anyone based on this simple unresolved issue. I call to report the problem and am asked what I want done about it. Simple. I want it fixed.

United Health Care does everything they can not to cover procedures. They will claim the doctor's office submitted the wrong codes or that billing units were incorrect, anything to stick you with the bill. Avoid this health insurance company. They are the worst!

Our doctor ordered home health services. I called United Health Care to have them refer me to their recommended provider of home health aides covered under the home health services option. They referred me to their preferred provider in my area. We received the services. When the bill came, United Health Care declined to pay them. It's to the point where patients are calling United Health Care for pre-approval and claims still gets declined. Look at United Health Care's stock price. It's up over 100 percent in the last twelve months. This insurer is making money off of sick people by declining services that they are covered for. They are in the sickness for profit business. I'm sure that there will be litigation in the future, resulting in long term prison sentences for executives for fraud and money laundering.

It is simply outrageous that regulators have done nothing to reprimand this firm. They deliberately have their customer service rep make you circle around yourself for years until you give up. The put you on hold for an hour at a time, hang up, and when they finally admit they have no in network providers because half of the list is bad phone #'s and the other half are full or have a specialization that doesn't apply to your condition. When you insist on gap exception, years have passed and 99% of population gives up and pays out of pocket. This is a strategy that I have seen repeatedly. Reporting them will likely yield you nothing because regulators have befriended this big powerful company. They look the other way and pretend they don't see any of this. The delaying and denying while they pocket billions. Where is justice?

Got sick in Italy. When I returned home, I called UHC to get directions for filing a claim. They sent link to form. Filled out form and waited 30 days. Got letter from WellMed rejecting the form. Called UHC and they said Advantage Plans in my area of Florida were given to WellMed and they had no knowledge of the claim and there was no online access to EOB's or claims status. They gave me WellMed's number. WellMed refused to speak to me but allowed me on a conference call while UHC rep spoke to WellMed on my behalf. This is a total fingerpointing time delay. UHC has no idea what WellMed is doing even they you signed up for UHC plan and they gave it to WellMed. WellMed has no online support - only can wait a long time for each paper mail correspondence. Changing insurers at renewal time. UHC has ruined their Advantage Plan support.

I wonder why in 2018 this company can not send you information online to an e-mail if you wish. Or if you make payments send the payment to your e-mail. I have had all of my mail gone through open or whatever living in an apartment complex. I requested everything online but it seems they don't have the capability to do so. After I moved in one week I got 8 mailings of the identical same thing in each one. Then the following week 6 more. Then we wonder why are healthcare cost are so high or information is stole. Then they call and try asking a hundred questions so you can identify yourself. But how do we know who they are. My caller I.D. never shows UHC or are the numbers ever the same. I worked and paid taxes so my Medicare is not an entitlement. It was something I was made to pay and I still pay. This company should get with the present and us who prefer everything done in e-mails or billing should be done.

With open-enrollment upon us, I urge you to stay away from United Healthcare/OptumRx. UHC does not care about the well-being of their members. They only care about their profit margin. UHC has decided to make one of my medications "non-formulary". What specifically does that mean? It means UHC employs a committee of people at their corporate headquarters who determines which medications your particular plan will cover and at which tier level. Tiers can go as high 6 levels. The higher the tier level, the higher your copay will be. This is true of any medication the committee chooses, even generics.

I believe I have a urinary tract infection and need to find a clinic, today. I go to the UMR website to find a provider. I get to a page which shows a list of Network Medical Groups. Top of the list is "Affinity Medical Group" with a location nowhere near where I am, but there is a link which says "View Additional Locations (85)" which I would think would give me the locations, preferably on a map, so I can find one near where I am, at work. I click on the link, and get a list of 160 phone numbers, WITHOUT A LOCATION. At the top of the page it states "160 Locations" but there are no locations, just a list of phone numbers. I work in IT. Providing this type of information is easy. The only way it can be this difficult is if it is intentionally made to be difficult. United Health Care BLOWS!!

I looked into the Golden Rule through United Healthcare (after the sticker shock on a regular health care plan for a family) and purchased a plan for around 365 a month. Ultimately I got a physical and my mammogram. The policy did not cover my daughter’s physical because it had to be set for earlier than 6 months into the policy. The only other thing I had on this plan was my wellness visit. Which includes the doctor's visit, lab work and results, and the mammogram. The data page includes outpatient lab and x-Ray and outpatient diagnostic imaging services, but don’t be fooled by the wording.

You cannot get a live person on the phone and they take A WEEK to PRE APPROVE old school antibiotics, antivirals and antifungals like **. I have almost died several times from high fevers, convulsions and seizures due to their delays in pre approving old school, routine medications. If you value your life choose any other company rather than United Health Care.

I wanted to get a flu shot. I went to Giant Pharmacy and they said it was $40 because my insurance did not cover it. They suggested I go to CVS because they bill UHC differently. CVS said I needed a separate vaccination insurance card or I had to get a pre-authorization. Why does UHC make it so difficult to get preventative healthcare... something as common as the flu shot! I went to the UHC website to find info about this and I could not even get to the page where you enter your userID and password. I only got the Pre-Welcome page and no links to log-on.

I got this insurance last year and when I needed hearing aids due to hereditary hearing loss, UHC fought my audiologist tooth and nail because they didn't want to pay for them. This is medically necessary but they did not want to pay for them. My audiologist stood strong and they grudgingly paid for the hearing aids this past March. Fast forward to now and I have a filling on my front damned tooth that has come loose. It is chipping away (my tooth) more each day and I have appealed to have a root canal and crown done for this tooth but they will not approve it. Deems it not medically necessary despite me telling them I am having pain and sensitivity issues with the tooth.

After two years of service they denied a claim saying I have a secondary insurance, which I do not. They said they would change that in my file and reprocess the claim. Now it has been over sixty days and they have not reprocessed it. They will not call me back or update me on the status.

Both my wife and I work for the same school district. We have insurance through the school district with UMR. Both plans are the same. A deduction for health insurance would come out of her paycheck on a monthly basis and a deduction for health insurance would come out of my paycheck on a monthly basis for me and our kids. Due to poor health, I retired from teaching this summer so the health insurance for me and our kids were transferred to my wife's insurance. I had met my deductibles for the year. But now that my health insurance has been transferred to my wife's health insurance, United Health Care wiped my deductibles clean and now I have to start over at zero. Still very sick and I can't afford to go to the doctor. United Health Care, never again. We're going back to Kaiser.

Subject: Fraudulent charges by Sarasota Medical Center’s (SMC) Dr. Claude ** Posted By Dana **, Office Mgr. (941)927-1234. Denied emergency medical attention on 1/23/2018 during a scheduled emergency appointment until I paid a fraudulent $125 charge from 12/2016 for physical therapy (PT) that I and other SMC patients of Dr. Mason, PCP, were told, at the time, was free since he was our as SMC was starting a new PT unit with inexperience young counselors. SMC’s inexperienced staff, resulted in my cancelling the PT appointments as I could do better on my own or at my gym and did not need to travel to the PT unit’s location. Dana ** 18 months later tried to get Florida Blue to pay for the services and was denied. Ms ** then decided to ambush patients when they appeared for scheduled appointments without any prior notice, in my case 18 months later.

Receive care from a pain clinic, and last visit gave me an injected muscle relaxant and pain medication for the muscle that seized in my neck. This is related to the 3 level cervical fusion performed 3 years ago. One level did not heal and is further complicated by the screw that is broken. However, the doctors and I use this term loosely, on UHC medical review board have determined this was medically unnecessary, and payment was denied. All was performed during routine office visit in office. Was the medical review board there? Now it is up to me to get my doctor to call UHC and explain why these are necessary.

I had surgery a month ago, I am unable to walk and need help taking care of myself in my home. The Dr. handed in all the paperwork necessary for me to get the services. The Insurance company keeps refusing to approve, claiming it can take up to 20 day to approve. I NEED HELP NOW. I CANNOT TAKE CARE OF MYSELF... They do NOT WANT TO PAY SO THEY KEEP PUTTING IT OFF UNTIL I DON'T NEED SERVICES. IF I get hurt because they are not giving me the services I need to be safe they will be sued.

I recently contacted UHC to see which labs are within their plan and they gave me the name LabCorp and 4 phone numbers, every number I called had been disconnected and when I went online it said out of business. I even drove to one of the locations and it had been changed to a LabCare out of plan. I got frustrated and had my blood work done at LabCare. I even did a search on their site and those locations were only ones on there. When I returned to work I found out there is a LabCorp in Akron general hospital from a coworker and this was not mentioned on the website or by my the customer service rep. Now I am probably going to be stuck with the entire lab bill or half of it at least. So frustrated with UNITED HEALTH CARE!

UHC is micro-managing my healthcare and causing me and my providers to spend countless hours completing forms and jumping through hoops for services that I pay for, and in the end denying some charges. Days without response; long holds; outright lying, one provider told me. UHC denied an MRI of my neck, when I have years of documented neck conditions and am a candidate for neck surgery. UHC has caused me so much stress and time spent fighting for what I pay for - they do the opposite of health care, they make you crazy with frustration and anger, causing high BP and stress.

UHC says I am covered for a yearly flu vaccine as is recommended by the CDC. I am told that I am 100% covered and yet they denied coverage twice based upon it being an exclusion to my plan. I made several calls between Optum and UHC who ping-ponged me between until I got UHC saying they did not cover it. I was told that it must be billed as medical and cannot be billed as a pharmacy claim and that the only formulation that they paid for is 'Fluzone 2018 .5ml Dose IM'. How does any of that make any sense?

As a primary care provider, it is often necessary for my office to obtain "pre-certification" which is prior approval required for outpatient procedures I have ordered for my patients. If this authorization is not obtained, the medical facility may not be reimbursed for the testing. Unfortunately, United Health Care recently forced my medical assistant to spend valuable office time repeatedly calling to request pre-certification for an outpatient procedure I recommended to the patient. My assistant repeatedly was placed on lengthy telephone holds and for 3 days was unable to obtain an answer. When she was refused a request for peer to peer discussion (conference between the insurance company's clinical director and me the provider), I finally had to inconvenience the patient by referring her to the emergency room to expedite the procedure.

Just now I’ve never felt so frustrated dealing with a healthcare provider. Talked to them 4 times over past 4 hours because wrong information is given by their helpdesk every single time I talk to them and they made me travel to three different clinics for something as simple as a vaccine! Not sure what’s up with their staff but everyone provides different information and starts off with “I apologize for the previous person you were talking to...” If you want to save your time I suggest you verify the information they provide you before wasting your time visiting a provider.

We have continuing ongoing issues with approvals for medications, equipment needed for healthcare. Tests that are required for checking serious health concerns. Every month it's something. I pray the company my husband works for fires them as their provider. So, over the struggle each month. When we were with BCBS OF FL we never had any of these ongoing issues.

UHC is the epitome of the problems in U.S. Healthcare. I applied for individual health insurance ($10,000 deductible) and was denied. I have had UHC group for over 10 years, so they have all of my history and medical information. I am in my 50s and take no prescription medication. I am healthy, no pre-existing issues. Because I was prescribed a glucose monitor to be PROACTIVE about my health, I was denied insurance coverage. My fasting blood glucose is 103. NOT DIABETES. I couldn't hate a company more. (P.S. My most recent premium was over $480/month. I've had UHC for over ten years. I've never even hit my $2500/year deductible. They have made roughly $50,000 in today's prices on my good health status.)

In late July 2018 I received another rate increase from United Healthcare/Golden Rule. The rate increase is for over $200/month and effective August 2018. As we all know open enrollment is not available now and even if it was new plans are not effective until January 1, 2019. So, I can allow myself to extorted for $1000 for August - December or cancel and go uninsured. Those are really my only two legal options? How can a company legally do that? Even if there is a legal loophole to enable them to do that, what morally challenged person made the decision to do that to its own customers.

United advantage canceled my doctor's contract effective Sept 1 when they were suppose to cover til 12/31/2018. It unfair that the United Ins can cancel a doctor's contract at will, yet we consumers are not allowed to change insurance in order to keep our current provider until Jan 1st. To me, it is a violation of United's contract with me and the doctor. Also, I was traveling & had an allergic reaction, I called United and their customer service rep gave me the name & phone # of a provider in New York & told me it would be covered. Again, they broke their word to me. I had to pay out of pocket. I can't wait to change insurance.

Recently I lost my job and health insurance on 5/13/18. Myself and my wife are on diabetics medications, ** and **. Insurance paid in the past before 5/13/18 except for small co-pay. We were still received your medications after 5/13 at a discount which was filled by CVS. Then we received a letter from UNITED HEALTH CARE THAT WE OWE $2,494.04 FOR PRESCRIPTION FILLED BETWEEN 6/08/18 AND 7/12/18!!! Went to CVS and spoke to Pharmacist, and explained the situation, her response was CVS got paid from United Healthcare. I can remove United Heath from the system for future prescriptions. I ask how does that correct this issue? She said that "the Pharmacist of record will call you tomorrow." I don't know how that is going to rectify this issue. CVS Caremark got paid, so they really don't CARE! Where is the justice!

When working in the private world I had United Healthcare for several years and it was great. Now that I am on Medicare, I have my prescription plan through UHC. Trying to get my prescriptions ordered and delivered has been a nightmare. First the services are handled by out of country foreign speaking operators with heavy accents. Normally I have no problem with foreign operators, but those representing United Healthcare seem extremely hard to follow, untrained and inexperienced.

If you can get insurance through another company, do it! I've had them for about 4 months now and it's been absolute hell. I've been to the pharmacy on 3 different occasions to pick up prescriptions and every time the Pharmacy calls them they say they don't cover prescriptions while on my benefits summary it clearly says my prescriptions should be covered. I've been going back and forth with customer service for more than a month now trying to get my prescription costs refunded.

My daughter had an colonoscopy and my son endoscopy, they called me saying, "Don't worry. Both are covers 100%." My insurance is thru the State of Florida, employee. They did the procedure in outpatient place. After 2 months, I started receiving unpaid bills that the anesthesiology was out of network and they are not going to pay it. How if outpatient is cover 100 %, they are using an anesthesiologist out of network and they started asking me for $800 dollar for my daughter and 1800 for my son.

Have been unable to receive help and answers from this company regarding my healthcare plan. Extremely long hold times, pushing 30 minutes and then given incorrect information. Impossible to contact anyone at the corporate office; anyone else that I have talked with must only have a 5th grade education. I regard this “No Service” from this company as Theft of Service. Have filed numerous complaints against this company. In my opinion, BEWARE of United Health Care!

UHC has been denying coverage for over a year. As an HR professional I have had to step in and assist employees with coverage. Now my surgery has been denied as not medically necessary. UHC makes everyone jump through several hoops appeal, second appeal, peer to peer and then denies anyway. These delays will end up costing UHC more in the long run. Additionally, they have Lawyers making medical decisions. Look at the denial letters. Look up the information on the Medical directors. Complete conflict of interest.

I'm an RN and started having severe, disabling, knee and lower extremity bone pain. I took 2 weeks off administering conservative home treatment and finally had to go to the physician. Xray was negative. MRI was ordered by doc and denied by UHC because of "lack of medical necessity". 4 weeks of Physical therapy is required by UHC before they will consider an MRI and since I was unable to walk, I was unable to do therapy. I was also very concerned about doing additional knee damage without the guidance of diagnostics. After 8 weeks, multiple phone calls, and a steroid injection, I'm still limping around, trying to keep working, taking meds to get me through each 12 hour shift, not knowing what the cause is. UHC has denied 2 MRI's (the 2nd from the ortho doc) and now advises the "prior authorization" for the physical therapy will take about 15 days.

I have had the United Healthcare supplemental insurance for Medicare for almost 20 years. Last year I was in Europe for vacation, broke my knee cap and while in the hospital they determined a problem in my lower intestines. No European doctor or hospital accept Medicare, so I charged $ 56,399 to my credit cards. Despite the many bills United Health Care processed my claim very promptly and mailed a check for 80% of the charges. I am impressed!!!

More than six months ago, I enrolled with United Health Care as my primary insurance, premiums being paid on time through payroll withdrawal. In that time, they have denied multiple claims, stating that Medicare is my primary insurance. I'm not even old enough for Medicare, nor have I ever enrolled in Medicare. I've placed multiple calls to United and sent certified letters. Each time that I speak to their "customer service" they admit that it's a mistake and say it will be investigated and corrected within 30 days. Obviously, that hasn't happened.

Nancy ** my wife now was visited by rep. Promised new dentures if she left Viva and signed with United. She was told by rep that her doctors would not change. She switched because she needed them. The sales representative put in in the program that did dental with no copay. She continues to see her doctors until they would not see her because of insurance the sales rep. Was holding the paperwork back because she did qualify for that service. When bills start coming late charges and all. She couldn't at and could understand what was happening. I got involved. He needed her to get the dental asap and to call when teeth was completed. Time of the essence. But she was put in mental health for 5th time and the plan kind of failed. She didn't see any doctors for several months and when I got her set up correctly she had small cell lung cancer.

California United Health Mailings seem to come with each sun rising. Needless, meaningless regardless that I have set up electronic communications only. They write pages and pages, one page to say they are no longer writing, one page in 4 languages, 1 page for my name and address, and one page of crap. They just keep coming. Saturday one, Monday another, they just won't stop... Guess they love killing trees and making California paper, envelops, and someone pays for the postage (you and I in the premiums). Did anyone audit this crap out of California, I'd fire about 50% of UHC employees, last year I bought a CPAP they didn't cover, I finally agreed no pay but they wrote me for 9 months about it! Wow, a factory of paper. United Paper Company... No problem, raise the premiums.

I have been wearing the ** Patch for over a year. I was told by my pharmacist that UHC refused to pay for the pain medication even though we jumped through their hoops for hours. I was told by a rep that if my pharmacist called in (for the 3rd time) my prescription would be approved in 2 minutes. Didn't happen. Retail is over $700 per month. UHC/Express Scripts sent the denial letter Friday evening. I did not receive any prior communication from UHC that my refill would be denied. The pharmacist said that UHC will likely require a preauth for a different pain med that my doc will hopefully prescribe Monday, so because of UHC's heartless decision I am forced to quit this maximum dosage opiate medication cold turkey and will be in severe pain for several days before a replacement is prescribed and approved.

Thru a new employer I got insured with UNITED Health Care. All over sudden I was no more allowed to use the pharmacy next door but was directed to use CVS. At CVS they couldn't supply the medication because now UNITED Health required 90 days prescriptions. Back to my Doctor, getting new prescriptions and again CVS couldn't help. Now UNITED denied coverage because I would have another health insurance. What? I am still with the same employer at that time. Tons of calls with co employer and United, even CVS called them and it took them 45 min to talk to somebody, and they still insisted that I have another insurance. Then they suddenly denied because I would be on Medicare. I never qualified for Medicare, never applied for it but UNITED denied again.

My primary health plan is United Health Care (United). United provides limited dental coverage. To supplement United's limited coverage, I obtained a secondary plan that requires dental claims be by United before they will process dental claims. To circumvent any coverage, United does not decline coverage that would automatically be submitted to my secondary plan. United "games" the claims process by taking the maximum time permitted to respond to the claim and then responds with a frivolous request for additional information that probably be denied.

This company will think of every reason to deny a claim. My husband and I recently had flu shots done at a local pharmacy that is in-network with United Health Care. I paid for it out of pocket and have been trying ever since to get reimbursed by United Health Care. I submitted all the paperwork they require, have made several phone calls to follow-up and still the claims get denied. I am beyond frustrated and have decided to write this review to let anyone out there know that if you have a choice of insurance companies, go with another one. Their premiums are not cheap and the customer service people are incompetent and don't return phone calls when they say they will. I have had several insurance companies over the years (Cigna, Aetna, UHC, BCBS) and I can honestly say that BCBS is the best!

The worst mental health insurance. It’s tragic that with everything that’s going on in our country this insurance company can operate with no moral compass. What they do is illegal. I have been struggling for help for 2 years. It is impossible to speak to anyone. No one returns calls. The information you receive is inaccurate and their advocates do anything but help. This company should be closed. They have and continue to cause needless suffering when they are in place and paid to treat patients not create worse ones. How any person can work for this company is beyond me. When will this stop?

I have been trying to speak with someone about mental health concerns for a family member, and it was nearly impossible to even get someone on the phone, after endless phone prompts you just be transferred around and no one will be able to help you. The most frustrating thing is that what these people tell you over the phone is not accurate. Their information about Dr's is not accurate. You will spend so much time trying to find Dr's who will take United Health. I have called over 20 from UH website, who have either left the state or do not take UH insurance. It's just one of those situation where they don't care, they get your money, and there literally is nothing you can do about it except complain. If I had a choice, I would never use United Health Care.

I had such a bad experience that after only 4 months on this coverage, I got a new job! I don't even know where to begin - Optum/UBH is an unscrupulous entity. I was on their coverage for only 4 months when they started harassing me and requesting a utilization review. They discriminated against my provider because she is an LCSW and not an MD, which is illegal, and paid her 35% less.

After repeated tries to log in and being directed everywhere else there is no reasonable way to find providers and then after searching their site says it was down... There is no chat feature once you are logged in... called and they put you thru a ridiculous automated process only to finally get a representative that asks you all the same questions again... then put you on hold for 5+ mins. Ridiculous process. Look elsewhere.

Be warned that UHC will not pay any lab. No X-rays. Nothing. It did not used to be this way with insurance. You paid a copay, saw your doctor and were out the door. NOW... you will be billed a month later for any lab done. It's right there in their manual. It goes toward your deductible. I had a few simple shoulder X-rays done... not covered. Paid $500 out of pocket. I went in for something as simple as a UTI, and was billed $230. for the urine culture. A stupid urine culture. A simple UTI that used to cost me a copay only now costs me $300 and will every time I go in it looks like. I want it noted that we pay around $1200 a MONTH for health insurance, too. And we have no medical conditions and don't even really use it except for doctor visits and simple everyday things. And our doctor is on the approved list in network. Lovely, isn't it?

Cobra issues through United Health care: Failed to give me all programs I was entitled to per my previous employer. Failed to invoice me for retro Plus forward, so would have put me in arrears with no forward coverage. Failed to "apply" my online payment for 3 weeks, causing more time with no coverage. My Dr was going to refuse service due to no coverage and kindly alerted me why.

Months ago I was forced to change to United Health Care so I could keep my present PCP. Prior to the change I was with Aetna but I could not remain with Aetna because Multicultural was shut down. Now with UHC my co-pays are much higher and I am not able to easily get my lab results. With Lapcorp I used to get an email telling me that my results were available at a specific time and date. I would log in and my results were visible and printable. Now with UHC I have to drive 20 min one way to either my PCP or my nephrologist to get my results. This is ridiculous! The results are mine! I'm afraid that we will be changing providers as soon as possible.

We got insurance this year through my husband's work, so we went from Blue Cross Blue Shield to this worthless insurance. Our deductible is $1500, which it seemed a little high, but that's what we got, but we thought $1500 for both of us, I guess it's ok! But NO! it wasn't for both of us. And unfortunately we learned the rough way. After we saw doctors, and did all the checkups we needed we ended up having to pay out of pocket for everything, and still do not meet our deductible.

My provider sent in a referral to United Health Care in March 2018 because I had a painful ankle problem, and wanted to see orthopedic surgeon. I am still waiting to get referral approved by United Health Care. Every time I check, they tell me it is still pending. Over the last few months I have finally walked off the pain. Now my wife is trying to get a referral for her shoulder pain, she had our provider call in a referral on 3 July 2018, and is still waiting for referral to be ok'd, today 9 July 2018. Talked to someone called Bryan, and can't get anywhere on that issue either. She was told that she should get different medical coverage. This is the worst service for medical I have ever dealt with. They claim it is the doctor's fault, not sending it to proper office. I think they are hoping we die before they have to pay for service. I think it is a shame that United Health Care will let senior citizens suffer with pain, while they wait forever to get medical help they really need.

This is the worst possible insurance anyone can have. I cannot stand this insurance company. I was a caregiver. The gentleman who had this insurance was screwed over by them. I cannot believe how wrong they did this man. They denied him at least twice for a special rehab program. Then they denied at least 3 times the other program the hospital wanted to put him in that I truly believed would kept him alive. But thanks to UHC he is dead. Get any other insurance but this. Trust me this one would rather see you dead.

Every time I have to deal with this company it's a nightmare. Whether it's getting a prescription renewed or something outside a normal office visit, our claims are instantly denied and it takes a ridiculous amount of time to get it straightened out. I had an MRI visit scheduled via a referral from my PCP. The MRI facility is part of the same network. There was some minor description difference in the MRI ordered that could have been easily resolved with a simple message or phone call to the provider. But no, they denied the MRI, the appointment was cancelled and now I get to wait for another 2 months to get an appointment and figure out why they denied the claim. There was no message in the record by the internal radiology department at United... just denied.

Let's see here. Number 1, every time you call you get a different answer... Some of the reps sound like they are either on ** or hungover. They want you to take what is on their list not what the doctor prescribes. They must have a call center with untrained staffers. PLEASE FOLKS DO NOT USE THEM.

Company refuses to pay for once a week therapy for patient with numerous mental health diagnosis. Says that patient with BPD, OCD, major depression, severe anxiety and disabling social phobia has not proven need for treatment. They should try functioning with such disabling diagnosis and then tell me there is no need for support. Once a week therapy not required? Counseling provider has done 2 case evaluations and they still say there is no need. They conveniently started to deny the claims when we hit our first tier deductible. The services were fine as long as we were paying for them. As a person with disabilities, my daughter is part of a protected class which UHC perpetually discriminates against. They know that most people in this situation won't advocate for themselves and are knowingly taking advantage.

This was the only option available with my new employer. Its an HMO with a high deductible. They drag their feet on every claim that you submit. You get the runaround on referrals. They do not disclose any information as to why they deny your claims as a stalling tactic. I have never had this much of a problem with health insurance. You will jump through more hoops than a circus just to get some standard procedures done. I don't know how doctors deal with them? They deny everything. I am not trying to get them to approve illicit drugs or some service I don't need or haven't been diagnosed with. I just wanted to get my CPAP titration study done so that I can breathe at night at stop waking up out of my sleep which happens for me 85 times per hour. That equals severe sleep apnea.

My child is a Type 1 Diabetic, and has been on an intensive insulin therapy regimen for the past 6 months that has brought his A1C levels into a "normal" range and his blood glucose levels have been completely controlled. We recently had to switch to United Health Care insurance, and they promptly have denied my child his brand of insulin. The physician contacted United and filled out all of the pre-authorization paperwork, and they are still denying his prescription. When I called to discuss my options, the customer service agent only read directly from the letter I was sent, and offered no guidance on any other options of appealing; he was completely unemotional and didn't acknowledge my concerns for my child's health.

I have one of the better plans through my employer, and I have got to say this medical family coverage is one of the worst. High copays for children's doctor visits, denials for medication and Dr ordered procedures. If you need medical insurance, look for another rather than this one.

I am at end stage COPD with congestive heart failure and chronic lung failure. I recently had a test done that shows my oxygen stats are falling well below 88% while I sleep so my doctor prescribed me a trilogy machine to assist my lungs in working. United Health Care denied the machine because these conditions don't qualify. If they don't then what does??? It is hard enough trying to breathe and the stress of knowing I am nearing the end of my fight without the stress caused by insurance! They are pathetic.

Am having back issues so tried to get an MRI after they refused to pay. I paid myself to find out have 2 discs that have deteriorated in my back. Have been living on painkillers for months, walk with a cane and yet they still won’t pay to fix my back. Now last option to get lawyer involved. Ridiculous. I pay for insurance for years and when you need them they won’t cover anything. Avoid them at all costs!!!

Already had 1 specialist cancel my appointment because he doesn't accept Select Plus, after I was told by UHC there would be no problem. Now I’ve asked for a list specific specialists in my area that accept Select Plus so I can start all over again. What I got was numerous emails of hundreds of doctors that don't apply. Now I get to sift through hundreds of pages to find an orthopedic specialist in my area, decide on 1 that has decent reviews, and then go through the tedious hassle of trying to get someone to confirm if that doctor will accept Select Plus. What a pain in the **. In the meantime, my knee is in pain, and my appointment this afternoon was cancelled because of incompetence. We’ll see if I can find a decent doctor that can see me before September…very angry…

This company is awful, every month they stop covering what prescriptions I was on the previous month. So I need the Dr. to write me a new prescriptions EVERY month until they stop covering any form of my medication altogether. I am a diabetic, if I don’t get my medicine, I die. This company is slowly killing me, without a care for anyone.

UHC used to be a good healthcare insurance carrier. As a member and as a provider, I noticed that, since they sent their business to the India and Asia (primarily when I call as a provider I speak to someone in India) they have yet to process claims in an efficient manner. Most claims have to be re-processed and appealed. Phone calls are usually 45 - 1 hour wait and then nothing get resolved! As I write this I can feel my BP rise since they are beyond frustrating. Last week they sent me 2 checks, both less than $200.00 for payment due. Today I discovered they put stop payment on BOTH checks and my bank charged me a cancellation fee! I am beside myself! I will be filing a formal complaint -- but buyer beware, appeals and complaints take hours and hours of your time!

I had Anthony as my agent, he got me from Humana Gold back To Omaha. I told him I was having surgery on the June 4th. It was 4-16-18, would that be a problem. No. He gives me phone nos. for Humana to get Letter of Refusal. Humana had to supply this letter, takes 2 weeks. I tell Anthony, he states he will stay on it. I had to stay on it to get it to Omaha who has to send a letter to surgery. During this time I do not hear from for 3 days, time is getting close for surgery. On 5-27-18, I know it's too late, the surgery is delayed 12 days.

I submitted a claim for short term disability due to complications involving a back injury. I received a letter indicating that they had received my claim and would call me within some time frame. They did not. I called their robot line. After sorting me through 3 minutes of options, the robot told me that the office was closed in my time zone. I called back in business hours the next morning. 16 minutes into robots and three layers of humans, I was put on hold, transferred to a survey, my survey responses invalidated and the call was ended. I called back. One robot and one human later I was told that there was no record of my previous 16 minute call in the system and that I was now to wait up to 48 hours for a response from my claims specialist Andrea. At least I have a claims specialist. Her unwillingness or inability to communicate with me is disturbing. I intend to call back and make sure that my latest call has been logged in the system.

Overall excellent experience. I always ask for any question and they have good customers service. Very reasonable price and most of the doctors accept United Health Care. However, I don't like the price of medicine and they should cover all medicines. If they gave us all medicine with reasonable price that will be very helpful because seniors cannot afford all brand name medicine.

My United Health Care insurance is great. Last June and July I spent almost a month in the hospital and another month in a nursing home and they covered every penny of it. My room and care in both facilities was top notch. How could you ask for more. Needless to say it took a load off my wife not having to sort thru and pay bills. A VERY GOOD COMPANY.

Got the insurance back in August. They told me they covered up lotta stuff. Got a couple of test done in April and it cupboard nothing. It’s already $5000 out of my pocket. Thanks United Healthcare. I do not recommend them to anybody. I recently moved and canceled their insurance.

My policy is with United Health Care as the plan D for Medicare. The plan only covers what Medicare approves. Getting tests done is a slow labor intensive trial, and only approved by an RN unless you contest the denial of a claim. The Rx prices are all over the place, many of them can be found cheaper using GoodRx.com, or checking with the pharmacy without involving your insurance company. The premiums are free, and better coverage can be purchased, but with a high cost!

From the very beginning of my interactions with United Health Care I wouldn't even give them one star. I have had health insurance since I was a child. With many different healthcare companies. From the first they imputed my information incorrectly, ie: DOB, SS#, set me up with doctors who weren't even on their network. Also I called repeatedly to get my information changed and was sent the wrong subscription number. Apparently they made multiple accounts with my information. I was having to constantly call their customer support line. Many of the support staff give out misinformation.

I submitted a claim and it turned out am missing some information on the claim. I have submitted some of the missing info and explained why I don't have the rest of the information and also provided clear explanation on what the claim is for. Whenever I call to follow up, the representatives I speak to do not see much of anything about the several follow up calls I have made. Basically no notes are left on account or the reps do not know where to look. I usually have to speak with a supervisor to be able to get somewhere.

I did blood work for my dependent from Quest Diagnostic. Quest Diagnostic accepted UHC PPO insurance before going for blood work but United Health Care did not pay the claim invoice number **. When I received the Quest Diagnostic invoice then I called UHC customer care, they told that Quest Diagnostic is not in their network. It's kind of cheating with customers.

I don't have United Health Care personally, but I am a healthcare provider who deals with them. I would drop out of their network in a heartbeat if it wasn't for some long term patients who would lose the ability to see me. My complaints are two fold: United pays less than half my rate (which is comparatively low) and half of what BCBS pays for the same service. The other is that I have to fight to get paid by them. For instance, I will receive an explanation of benefits denying a legitimate claim, with a misleading explanation as to why. In other words, they tell me my diagnosis code is invalid (when it isn't), so I resend the claim and have it denied again.

I was diagnosed with breast cancer in December 2017. I went on leave on January 17. Today is May 9th and I have yet to receive my benefit checks. I am now back to work. United Health has offered the worst service I have ever received in my life. Beware! I really want to bring awareness to the treatment I received.

I had multiple problems with UHC so I dropped the insurance in November of 2017. But, before I had dropped the insurance I had gone over the maximum out of pocket expenses for both drugs and healthcare by $347.91 and $45.57 respectively. I received a letter on the 12th of December saying that I would receive a refund in 7 to 10 days. I did not receive it and on 5 February I called them about it. They said that it would take 60 days to review. I waited and on the 2 of May called back. Once again they said I would have to wait another 60 days for review. I asked for a Supervisor and found out that they had originally sent the check to an old PO Box, I had formally changed the address with them in Feb. of 2013, which they acknowledged.

My elderly mother came to visit my family in CO from TX 5 months ago and every single day has been a health nightmare ever since, with A LOT of the frustration being with UHC. At first, I would call them nearly every day trying to figure out her supposed "coverage" with the confusion between two States. At this point, I could probably go on forever with details of our awful journey, but honestly - I am so sick of telling people about our very painful journey, that I will just summarize: My 73 year old mother was and is still a very Ill lady. She now has 5 specialists working to figure out her auto-immune issues.

When an insurance company not only drags its feet but the representatives actually lie to slow down an appeal process, that's a clear sign to get out! Unfortunately, this is the health care coverage that my employer provides, otherwise I would have been rid of them. Anyone considering health care coverage should avoid this company like the plague -- because if, in fact, you contract the plague, they will deny your coverage. I can't wait until it's time to elect coverage for next year. I will opt out and pay more to select a better company.

United Health Care deductible is too high to even cover medical problems. My Medicare covers the first 80% of my medical bills and even paying under $200 per month on a fixed income plus Medicare it is quite high.

My recent experience with United Health Care was very good. They settled/approved claims quickly and provided excellent customer service when I contacted them with questions. This was my first experience with several claims (emergency surgery) and I can't think of a thing that United Healthcare could have done better. Their website is full of good information and easy to navigate. The only shortcoming is that they list doctors who are taking new patients but when calling the doctor, they are not taking new patients... It's a little frustrating but probably impossible to keep up to date.

I love my insurance company which is United Healthcare. We get it through my husband's job. At first on paper I was very scared cause I have a lot of medical problems etc and when you're on top of this I was able to answer everything. But I was wondering if you can send me all the samples you're ready to send. Feel free to send me whatever samples you can to make this price affordable. Thanks.

I been using United Health Care for about ten years And have never had a problem! Their service is good, their rates are fair, and they treat their customers well.

United Health Care is a GREAT company to deal with. They call me on a monthly basis to see how I am doing. Any questions I may have are answered Promptly and Clearly.

I have used United Health Care a few different times in the past 20 years, both as an employee benefit and now as a Medicare supplement plan. They have always covered my claims without any questions, including several surgeries, family health and specialties. I would recommend them.

I wish United Health Care covered senior exercise like SilverSneakers. Also I have a weight problem that I need help with. Is there anything in this insurance to help me?

I have had United Health Care as my supplement to Medicare for 10 years. I am 100% satisfied with this company. They pay all claims with no co-pays ever and they pay their claims on time. I researched, before signing on with them, with my different doctors to see if they did pay their claims, and they came out on top! I would highly recommend United Health Care supplement.

I was a member of the federal program (MDIPA) and I stayed with it much too long. For the most part, I received the care that I needed but the problem with getting referrals was a nightmare. I would not recommend them to anyone.

Customer service is amazing. They put me on hold and called for preapproval when I needed help asap. They are always pleasant, helpful and understanding. Best service ever from a healthcare provider in my life.

Rates are high, especially if you need to go on COBRA. For 2 people is over $1900! Always received non-payment letters, so calling them was a monthly thing. I did speak with a few reps who were very helpful and nice. I used this as a secondary policy but it was my husband's primary.

Ok so I'm writing this because after customer service I was supposed to do a review of how they were doing and I completely forgot! I feel terrible so I hope they see this. I wanted to say that they did a wonderful job. In my frantic state I forgot the nice lady's name who took care of me but she was wonderful! Very nice and helpful in getting my dilemma taken care of and I'm so greatful??? Awesome customer service.

For the most part I like the insurance but a while back I had a broken tooth and they referred me to a dentist. The dentist said that they accepted the insurance but lo and behold not covered for X-rays or fillings. I want to keep the teeth. I have not always ready to pull the tooth out and now I’m in debt with the dentist for a $180 bucks and I don’t have that.

United Health Care is very proactive when it comes to making sure its participants are getting an annual physical and annual tests such as a mammogram. They also will do an in home health check for free! I am extremely pleased with United Health Care.

I chose United Health Care for my primary insurer under the Affordable Care Act for the year of 2016. I paid premiums, and the coverage was very weak, and I paid more out of pocket than I expected. In 2017, I began receiving bills from providers that needed money back for claims that were paid by United Health Care in 2016. One afternoon, on July 10, 2017, I received a letter from UPMC of Pittsburgh Provider Business Services, date June 30th, stating that due to a Coordination of Benefits, I had to update my information with United Health Care in 5 business days. UPMC wouldn't return my calls, and I had to call United Health Care, and they informed me that I was covered by Cigna and they withdrew every claim they paid in 2016, beginning in 2017.

Their list of doctors accepting policy was inaccurate. I selected the policy for a specific doctor, and canceled when doctor's office refused to accept.

I've been subjected to this company off and on for the better part of two decades. Their website interface hasn't changed in twenty years. I agree with those complaining that the provider search, is next to useless in terms of returning accurate results (I do grant that when I called in person and asked a customer service rep, they gave me good results. They must know some secret I don't, because my searches always result in doctors from the wrong specialty categories, or doctors who don't accept my plan.)

The cost can be higher than others, shop around before committing. I am paying $230 a month for a Plan F. Despite increased profits they cancelled the SilverSneakers program.

In November I sign my myself, my child, and my husband up for health insurance. I sent all the paperwork. No problem. I got our card in January. The amount was taken out of my paycheck. End of January I got letter say was husband was going to be drop for insufficient paperwork. I called the number and spoke to someone who told me that my marriage license appear blurry on the computer. So they told me send another copy. I did. I was told he would be reinstate. They still have not reinstated him. I was also told that the department that makes this decision does not accept phone call or make them so I can not talk them. I have to customer service. All customer service can tell me is they cancel him due to insufficient paperwork even though they have the paperwork. You can see it in the system. Avoid this company.

They are very helpful when you have a problem. They cover a lot of procedures that others have not addressed. They are good as long as you are inside their policies. Overall they are excellent.

United Health Care has very good insurance. My prescriptions are a little high but that is my only complaint. I can pick my own doctors and that’s another good thing for me.

Not happy at all with the cost of my prescriptions, especially the generic ones. My deductible is way too high and my donut hole is much too soon. I'm spending way too much for my prescriptions than ever before at a time I need more meds because of my age.

Humana was a pleasant surprise compared to the state policy which preceded and the United Healthcare policy at that time due to United Healthcare provided no care at EEN&T so we decided on Humana. The last two years we have used United Healthcare and been pleased. But the last year we were frustrated with extra fees: outpatient surgery surcharges and extra charges from tests done at primary physicians by the agent on campus to do tests. This was another reason we did not pick up Humana for a second year.

I suffer from a ruptured giant brain aneurysm and low back problems. My Doctor is a fantastic help to me but my health insurance and the state of Florida make it very difficult for me to get pain relief. I didn't ask for these issues but it's what I've been dealt. United Health Care has very little compassion for their members, actually all health providers are making it harder to live with quality of life.

I do not understand how and why an insurance company, NOT your doctor, gets to decide that the proper medication is for patients. I've taken a medicine for 17 years and was denied as it's not a prescribed course of treatment. Spoke with the rudest, most uncaring human alive who, on autopilot, continued to repeat how this was not covered, had to take a generic. Explained I had tried that and had side effects that the other didn't have. You need a note from your doctor (yes, that would be called a prescription), actually what needed to be done was to submit an appeal from my doctor to these idiots. Was literally in tears over the frustration at having to go through all these hoops.

United Health Care is being more accepted in Hospitals and Urgent care places. I find it easy to get my medications at many pharmacies and I have a zero co-pay. To anyone please check this insurance out.

I'm only with United Health Care because Blue Cross and Blue Shield overcharges and doesn’t have very good coverages. The insurance coverages is for the birds. Any person who voted for this should have any and all their civil rights afforded to them by the constitution voided...

70 days ago I purchased a CPAP machine to replace an existing one that had quit working. UHC required a sleep study even though I had been dealing with apnea for over 20 years and had a sleep study previous. Had the sleep study, got the results and Rx and primary care referred me to local supplier. Supplier wanted my credit card information and I asked to pay my co-pay in advance rather than provide them with c.c. information. They said they couldn't do that. I went to two other suppliers in network and they all wanted the same info. I ultimately purchased the same new equipment from a supplier outside the network at less than half the price for cash.

Have UnitedHealth as a gap policy to Medicare and I haven't had any problem with them covering my medical expenses. Looked over other plans and decided to stay right where I am.

Monthly payments should be reduced. United Health Care (AARP) is one of four of the most profitable Ins. Companies in the Country. Otherwise, they have been very helpful. However, their premiums are too high.

My mom had lupus and every day she was in pain. The fact that she spent 37 yrs as a nurse and the last 12 an oncology RN made no difference. She didn't get any respect or decency from these United Health Care people.

Called my Insurance company to help find a doctor, after looking on their website in which 6 out of 10 doctors DID NOT USE United Health Care, but we're on their website. So I called to get some help on was put on hold for 53:25 and after writing this I am still on hold. What does this say? I work hard in a labor position and pay bi-weekly for insurance, a lot for my insurance. I need a special doctor and cannot get help. What is a consumer to do?

Our prescriptions is covered through United Health Care but they do not cover some of the medications my husband has been taking. It has caused out of pocket expenses to skyrocket. Even with the documentation they required from our PCP they refused to cover some of the prescriptions.

Sold policies to companies with 20,000 $ deductibles. 10,000 each person before you got any coverage as a group health insurance just to get their foot in the door (Delphi) at a dirt cheap level because there was little expectation of individual usage. I will never use them again.

I enrolled Jan 2017, and was immediately sorry I did. My main interest was mental health, and they have no providers in directories, you have to call, wait while they look up, then write down info. Half are not accurate, including their licensing. None accepted new patients. Trying to get a provider for an eye exam was a waste of time, since those listed were almost all at 1 address and didn't accept United. Customer service often listed people in El Paso - 50 miles away - in another state. They paid $2000 MORE than charged by a hospital that should not have been paid for unnecessary, duplicate claims, abusive doctors, etc. I filed several complaints that took my time, then never were found, and asked to report again and again. But, Dec 7, 2017, I DISENROLLED!! - BUT they refuse to let me out. First, they blamed me. Then, made me send a letter. Then another form to request a disenroll, as if I never did it.

My work phone number is listed incorrectly on the United Health Care (UHC) website and I receive 2-3 phone calls each week from UHC patients and/or UHC staff. This has been going on for 3 years! I have tried and TRIED to have my number removed. The phone calls have nothing to do with my position - I've had this same phone number since my hospital was built, 13 years ago. I feel like I've entered the twilight zone when I call - they won't talk to me unless I give them my tax ID #. I tell them they don't need my tax ID#. Their customer service is very limited in the ways of critical thinking.

Back in October 2017 I saw an interventional radiologist for a problem I was having. Turned out I needed an arteriogram which found a 90% blockage in the iliac artery. Since this procedure I have felt 100% worse. I have unexplained pain in my hip and in the IT band area that is chronic and constant. I can’t walk without limping, can’t cycle, has completely sidelined any exercise. Doctor kept telling me it would get better with time that he’s done a lot of work. Hasn’t gotten better and now the pulses aren’t as great as he wants. He suggested another arteriogram. I said absolutely not because there are other diagnostics that are less invasive and can detect a problem. So he ordered an MRI of two areas. I have been trying to get this procedure done for the last 5 weeks. Diagnostic center I’m using is usually pretty on the ball.

I have nerve damage from diabetes of 24 yrs. They have covered my pain medicine for the 14 yrs I have been with them. This year they denied coverage for 71.5% of my medicine. Causing me to go into withdrawal ( my god that hurts and is awful) and to live with tremendous pain every day compared to having it under control all those years. They risked my life and are torturing me. That is only the beginning, too many more complaints to list. They SUCK.

Of course there was a bill that they would not cover any of. We called them and they started blaming us and trying to get us to buy something else. But the real kicker is that we talked to the certain Dr. and it turns out that UHC has a contract with them that states we, being UHC members, will be charged over a hundred dollars more than others. Everyone we talked to at the doctor's office said not to file anything through UHC ever again, but of course nobody told us that upfront and nobody is changing the bill price now that we are aware of this discrimination.

United Health Care is the worst company EVER! They continue to DENY medication that I DESPERATELY NEED! I wonder when I end up in the hospital will they like a 200K bill instead? I have met ALL The criteria for this medication YET THEY STILL DENY! What is wrong with them. I would like to give ZERO Star but that is not an option.

My daughter graduated from college in mid December 2017. During that time, I contracted for short term insurance for her, from 1/4- 2/12/2018, with payment from my credit card, I am the parent. Now we are billed, every month regularly, although cannot speak to them due to 1) 20 minute wait, 2) they will not acknowledge any of my emails due to privacy laws. Getting very little support via credit card, and unable to get my daughter to call since 1) don't have member ID, 2) she is 3 time zones away and cannot call due to the 20 minute wait on any given day. I have the time, but they will not speak to me or acknowledge anything even though it is my credit card.

I was laid off last year and got insurance through the ACA. I got a new job last August and became eligible for benefits in January of this year; however, for several reasons I wasn't able to finally select a (least crappy) plan and submit my paperwork to them until late February. I was then told I would have to pay the January and February premiums, although I wasn't signed up for benefits through them (still on ACA), received no benefits through them, and have STILL not used their benefits. They didn't even know who I am, yet they insist I pay them. I asked to cancel my plan because screw that, I'm staying with my ACA insurance; however, they're insisting I still pay two months of those premiums. How is this legal? Where do they get off forcing me to pay for services I didn't receive and hadn't been signed up for?

We are a small company and had health insurance with United Health Care. Every year they do an audit to see if a company is still active or not. They send the audit to an employee who had left our company and got no response. They decided to end our health insurance. We did not know anything! One of our employees had to go to the doctor and needed to pay. We found that strange and found out that we were not insured anymore. We had to call our "representative" and after 2 days she called us back. We need to go through the whole process again to get health insurance. We are choosing a different provider. That's for sure!!

Terrible service, will deny claims just to see if you will fight them even though it IS covered. Customer service cannot answer a simple question. Website is a joke, they made it so you cannot upload documents... the only way is by mail.

I've had so many claims screwed up, it is unbelievable. Anytime I'm owed a reimbursement, it takes forever. Typically I submit my claim, call 4 or 5 weeks later only to find that someone has screwed up and then it takes an additional 30 days for me to receive my funds. Trying to speak to an actual human is near impossible, and when you do, they have no idea what they are talking about. This is the worst company I have ever had to deal with. And to think, our health care is in their hands. ROFL!

Very undependable service, have missed 2 appointments 'cause they either don't have me on the schedule, or they just plain DON'T SHOW UP! Not gonna use them anymore. Might even cancel United Health Care; refused to let me choose my transportation company. **. Very upset about an appointment missed today. I'm an amputee--both legs and my right hand.

In 2009 a Dr. ** was operating as an Oral Surgeon in Phoenix, AZ. Around that same time he closed his office and left AZ to continued his practice in UT. His website lists him as operating at the following locations: 3648 W 9800 S South Jordan, UT 84095, 485 N Market Place Drive Centerville, UT 84014, 275 W 200 N #175, Lindon, UT 84042, 1434 E 4500 S #202, Salt Lake City, UT 84117. NONE IN ARIZONA!

The first page received from Golden Rule A United Healthcare Company started with the words "Thank you for your application for insurance". Further down the page it read "call us at 1-800-657-8205". I called twice that number. The first time, the voicemail claimed I had a 30 minute wait time. I thought I would call back later in the day so approximately 1:30 pm ET, I called the number again. I held patiently for 70 minutes with no live person just music. This is no way to operate a business in the Health Insurance Industry. I really have serious doubt about the legitimacy of this company now and have even called my representative whom sold me this insurance leaving her a voicemail about my concerns.

I had a heart attack March 3rd 2018 and my doctor put in a stent. Called United Health to try and get me a life vest and said I needed one because I am at risk of a sudden cardiac arrest. They refused it. Then they would not pay for my ** or **. Switched it to a new cheaper brand of insulin which the ** was working great but no they switch it to ** which my sugar is still running high. Then my doctor had me on ** for a month. Had me stable and United refused to cover it. Told my cardiologist to switch my med to something else so it got switched to ** which I haven't gotten yet 'cause I need to talk to Dr because it has sulfur in it and I am allergic to sulfur. I am sick and tired of my meds being changed when I am stable and tolerating a med well and because another med's cheaper. They refuse to cover what docs prescribe. What? I have no say in my care or my meds?

I used to have Cigna which by are amazing but I got married and got on my husband's insurance who have UHC as the carrier for all medical, dental and vision. I'm extremely disappointed at their customer service when I've asked for help. They don't care. The worse for any help! Their response is do it yourself response instead of helping by contacting the doctor's office to get the coding corrected or help locate a provider that's in network instead of directing me to their website. They are just terrible! I'll never use them again and will definitely go back to Cigna!

Optum Behavioral Heatlh - I didn't know this company existed until I received a letter from them a couple days ago. The letter said they noticed I didn't cash a reimbursement check for $65 and to sign the piece of paper and return it. Went on to say "if you need more information to contact them at "Member services or Provider services" dept. NO PHONE #.

I work in healthcare field - This has to be THE WORSE company when it comes to responding to reconsiderations! Some woman named Lissette that does the reconsiderations for UHC I had never spoken to her until I started leaving bad surveys - they closed recons, do not send denial letters, then when you try and fight it they upheld it even though by LAW they are untimely - I wouldn't recommend anyone doing business with them!!!

I had a C-section because my baby was breech. UHC denied paying my claim for the anesthesiologist because they were Out Of Network. I went to an In Network hospital and did not expect to have to check benefits on every person that treated me, nor did I have time. I had no choice in who performed my spinal block. It doesn't even look like any anesthesiologists are In Network at my hospital. I appealed the claim twice and was denied both times.

Worked for a few small things. Promised coverage for medical expenses now I'm responsible for payments. What is the point of having insurance then? Seeking reimbursement has been a surreal exercise in wild goose chases, jumping through hoops, sending and resending paperwork with no results. Being put off, stories changed, requirements changed even hung up on now by "customer service." Avoid this company. Organized crime.

I recently received another rate hike from United Health Care on my premium. The claim for the increase: "health costs have increased, so we need to adjust our rates". Personally, I am 50 and perfect health. I have no claims, never have had. Perfect health is what I can claim. I was encouraged by United Healthcare 6 months ago to lower my premium by increasing my deductible. Within 6 months my premium went back up to what it was, + another $25. When I called to ask about this increase, they said there was nothing they could do. No explanation. No other program to offer me. Nothing. I am grandfathered in from an old Golden Rule premium. It is clear the United Healthcare and any other carrier will be looking to squeeze as much out of us on our current premium, or squeeze us out of a grandfathered program.

Nothing comes out and grabs me about the pricing or the service except United Health Care has improved on the robotic voice. I have no complaints but it seems they take a very long time to approve billing. I use Vanderbilt and they may be the problem with that. It does seem there is not much of a discount when I use their clinics.

Besides long wait times on the line when making phone calls, I had an experience recently that makes me think the UHOne is not reliable in term of providing necessary information to its clients. I purchased a HSA health plan in 2013 and since I was not familiar with that system and had been receiving almost zero information after that, I thought there would be monthly contributions automatically transferred into my HSA account. After almost four years when I canceled my plan due to some other problems, I realized that it was "HSA compatible" and there were no account and no contributions in the past 4 years!!!

United Healthcare fulfills my needs. I like the low co-pays due at time of service and promptness with paying claims. Due to United Healthcare coverage, I have continued to use this carrier for a number of years (with no complaints).

Do not get this health coverage as they don't cover much and if you have a question or concern through their customer service, they will put you on hold for an hour. I tried to cancel my healthcare and when I finally got to an agent about canceling my policy, they just said, "you want to drop us just like that?" Then hung up. Worst coverage I've ever had. I may consider suing.

We have had some rather large health bills this year and they have always paid and no questions asked. I have had to call customer service several times and they are always so polite and take a lot of time to help you. Their mail order pharmacy is outstanding and has saved us a great deal of money. I could not say enough good things about United Health Care.

This is the worst insurance ever!!! I had Spinal Surgery on Dec. 19, 2017, covered under BCBS and after Dec 31, 2017, United Health Care was now the insurance. All care continued from Surgery including PT and Dr visits were denied because I did not have a referral with United Health Care to see my surgeon and to continue PT. So I was expected to go back to my PCP after Dec 31, 2017 and get a referral to see the Surgeon and if they are out of network or in network, regardless of this pre-existing care, they WILL NOT PAY!! I have tons of uncovered bills and had to stop therapy because I could not afford to pay out of pocket.

Prices and co-pays have regularly gone up each year. Dental rider is minimal and does not cover expensive dental surgeries at all. Paid almost $3000 for gum disease work this year.

The staff is very knowledgeable concerning the details of my coverage; whenever I've had a question they were able to answer it immediately or refer me to another helpful source.

I have United Health Care medical insurance through my employer. Unfortunately I was talked into selecting the high deductible option by my company's HR department. That is my own fault. But according to all of the information for my plan, my plan covers, in full, IUD treatment. I have a medical diagnosis that requires IUD treatment. But United Health Care will not approve my claim because I have medical diagnosis and it is not a claim for contraception. I have been told I will have to pay well over $700 for my IUD, which I cannot afford. On top of that, every time I call their customer service number I am given the runaround and excuses like there are duplicate claims for the IUD and I need to track down were both IUD's claim orders were shipped too. It is absolutely ridiculous customer service! And the truth is, a medical diagnosis should take more precedence as covered, preventative care than contraception.

I became very sick with RA/Fibromyalgia. I am a mother of three and a licensed precessional counselor. I finally had to quit my beloved career this year. This company denies claims and makes you fight constantly to get a claim paid. They have denied medication for over a year that my doctor prescribed to help me with RA. I have failed on medication they suggest first, I now have a golf ball size lump on my temple and one on my throat. I have jumped through all the hoops, but even as sick as I’ve become they still won’t pay for the medicine my doctor prescribed instead suggest cheaper medication.

Very happy with coverage. Customer service always helpful and able to assist me. Wait time is short. Covered all my needs. I had United Health Care Community Plan in Michigan.

I have been screwing around for 2 1/2 months trying to get my husband's wellness exam paid. We both go to the same medical group, however I got to one campus and he goes to a different campus. My claim was paid, in network, his is out of network. All their campuses use the same tax ID number. But the names of the different sites are a little different. All under the same tax ID number that I have been told is and IN NETWORK tax number. 5 phone calls from me. 3 different stories. 1 phone call from the biller, which she was told it would be all taken care of within 72 hours. That was a week and half ago, still not paid. The last phone call I made last Friday the Resolution Specialist promised he would leave a voicemail on my biller's phone because she was off last Friday. I just checked with her, she got my voicemail but didn't get UHC... Big surprise there. I even provided the phone number for him.

We, the people, are stuck. Congress and the help are treated like kings and we are peasants. With changing tiers we cannot go across state lines. The prices compared to what I sometimes get from Canada are highway robbery.

My insurance carrier was changed to United Health Care by my former employer (I am retired). My primary care Dr. does not have UHC. Needed new Dr. who takes plan. Representative gave me name of Dr. in my town. When I looked up the Dr., found that her primary practice was 50 miles south of me, the telephone number belonged to another person and the address was for Walgreens Pharmacy. Called UHC and was advised that this Dr. practices at times at the Walgreens clinic. Really? Do you want a primary care physician whose main office is 50 miles away and allegedly also sees patients at the Walgreens Clinic? Advised that while eventually they would pay claims to Drs. Who do not accept UHC I would need to pay out of pocket and file for reimbursement myself. Certainly glad I am retired and apparently have nothing else to do.

My wife is terminally ill with pancreatic cancer. Recently she was hospitalized for severe pain & nausea. We are given a prescription for ** 50 mg. It was denied by OptumRX. When inquired about I was told that United Health Care that they denied it. I am now in my 3rd day of trying to get this prescription OKd. I keep getting told to call Optum, they tell me to call UH... Needless to say NOTHING has been accomplished! It's very frustrating that my terminally ill wife needs this prescription & she treated like a criminal or drug addict. Buyer beware!!

I am a young adult (female) on a company sponsored insurance plan through United Health Care. UHC advertises preventative care contraceptives to be fully covered under my plan. When I went to refill my prescription of ** a generic contraceptive prescribed by my doctor, the pharmacy told me I had a balance due. I called UHC and was told all contraceptives are only covered if you submit an appeal. I was then given a fake fax number, which I was later told they don't have a fax number. Therefore, I paid for postage to mail the appeal (the only way to submit an appeal to UHC is by mail). I spoke with a rep who walked me through the process of writing the letter and stating I don't need a doctor's note, I just need to explain the medical necessity of contraception (which seems obvious as a young woman in child-bearing years).