UnitedHealthCare Reviews

AVOID IT COMPLETELY. This was my first time getting healthcare alone and being off of my parent's or employer’s plan. I was previously with Blue Cross Blue Shield where they broke down everything for me and really educated me on my benefits. I took that information when I changed jobs to United and was told I was getting the equivalent of what I previously had. My biggest concern that I said upfront was that I wanted my prescriptions covered and they told me, “Yes that's what you're getting.” WRONG. I did my best reading through my contract before signing, but I'm in my early 20's and it was a bit confusing as all insurance is. I asked the representative questions about it and she transferred me to someone who could barely answer my questions.

When I First called UHC to take a Medicare prescription plan, I asked about the price of one of my drugs. I was very specific about the drug and how much I took. I was told that it would be $105.00 for three months. I bought the plan based on this information. The very first time I used the insurance, my copay for the drug was over $550.00. They told me I had fallen through the "hole". They sold me the insurance based on an out and out lie. When I submitted a formal complaint (they record their calls and all of this can easily be proven), I was told that someone would review it and get back to me in two days; that lie was almost three months ago. No one ever got back to me.

I purchased a plan during open enrollment season. The plan brochure states there is a premium pass through contribution from United Health Care that will be deposited into an HSA account monthly or annual lump sum payment. 4 months in the purchase of this policy and “NO” premium pass through deposit. However, they have not stopped receiving my premiums every 2 weeks.

Customer Service is horrible. I have had 5 different answers on the same issue from 5 different service people. I have had misleading/wrong/inaccurate information. Train your staff! Bad experiences with coverage - have been lied to and deceived.

Overall they are pretty good - I haven't noticed many services that I have had (which are many) to be declined but I haven't received my last statement showing some very difficult situations. There are way too many things that you have to have exceptions done and 9/10 you are denied mostly with medications, And of course the cost of the medication is exorbitant. Once I get in the donut hole, I will have to go off the medication as $400 a month for a disabled 64 y.o. on SSDI is certainly something that I can't afford,

I have always had excellent experiences with UHC and Optum in the past, which makes this recent experience all the more outrageous and frustrating. My partner takes **, an ADHD med and controlled substance. He has lapsed in taking his medication for over a year because of difficulties filling his prescription after his company switched insurance providers (from Cigna to UHC). After experiencing a number of difficulties stemming from this lapse, he recently chose to begin his medication again. He had been told in the past that UHC would not cover a 90-day supply of a controlled substance; however, a UHC representative told him on the phone last month that a 90-day supply would be covered - IF he ordered through UHC's very own mail order prescription provider, Optum.

I've had this insurance for over 10 years; changed Health insurance many times prior to enrolling in United Health Care and am very pleased to have done so -- there's not much that they don't cover, they assist with things like transportation, health and wellness programs and the customer service is above-average compared to many other health insurance options...

Cover more and lower the price! Better customer service would nice with English speaking people who can get your name right too. Hate a very poor English speaking person trying to get my issues fixed.

We are told we supposedly have one of the best policies but the deductible is $5000 and that does not include Dr visits. So basically by the time you DO have your deductible met, it’s time to start over. I also think insurance companies should not be telling your doctor HOW to treat you when they have never even met you!

Employer provided but I pay a supplemental amount to cover nationwide out of network coverage. Never got money's worth for extra amount paid except in peace of mind. Claims have been a seamless, painless experience. Little to no interaction required. Not needing customer service is the best service possible.

I think it’s ridiculous that I get letters from the hospital that tell me I have to call you and verify my coverage with you before my bill is paid. Why should I have to verify my coverage when your payment is taken out of my check weekly?

I did not like to be dropped as quickly because of state changes. I see on tv that they are taking new clients with the same programs I had for several years. I did not like to be abruptly dropped as a client and forced to find a new company that cost me over $75 more each month! I am on a fixed income and this caused tremendous stress and upset my health significantly!

They do what they do. They pick up where others leave off. These days nothing is cheap, so you just have to go with the flow and hope you have made the right choice. That's life "in the old age lane". I will stick with them until they "stick" it to me. Ciao!

Pay them thousands for insurance, was in an accident with over 8K damage to my car and they denied me physical therapy. Thank God for my auto insurance company (Amica) they took very good care of me. United Health Care just denied my need for help. Awful.

I get to use my own doctors usually without referrals and they always coordinate benefits with other health insurance providers. The call center Agents are very helpful and if they cannot give me an answer they refer me to a Supervisor to assist.

Billing is a problem with the people in Arkansas who don't seem to understand who the customer is. It seems every month the monthly bill is late in getting to me and the recording of payments is very slow. The service on ordering and the processing of drug requirements is quite good.

Was told a procedure DID not need a precert. Had the $1000 CT and now it needs a precert. Was told the procedure DID not meet the criteria for a retro review. So now I have to appeal. Why is nothing easy with UHC?

With United Health Care most of my needs have been met in a timely manner. I did have one primary care doctor that I really liked working with because he decided he no long wanted to be a participating provider. Otherwise I have been generally satisfied with them.

My insurance covers my regular Dr. visits and labs well. Anything with prescription medication is irregular and sometimes expensive. The prices go up, but insurance isn’t covering that. Meds fluctuate because of manufacture whims to up the cost. Could maybe work with them or clients to give us better options.

Their personnel are very helpful both on the phone answering questions or helping with real problems. The home visitors are excellent. They really know how to interact with others -- help you settled any misgiving.

The coverage with United is comparable to my others (Cigna and IHC), the claims are paid quickly, and cost is average. But the website is such a mess that it has become an administrative nightmare, and I don't know why anyone would choose this when comparable products are available where using the HSA and online claims payment is simple and straightforward. The user interface at UHC is horrible. I cannot even tell which claims I have paid. I can not easily access my statements to see what has been paid from my HSA, and if I pay online, the provider often never receives payment, so I get credited 2 months later and my account becomes past due. An administrative nightmare. UHC needs to hire some new computer science grads to redesign this. It is 2019, and the only excuse for not doing so is pure greed.

United Health Care has provided my wife and I some of the very best healthcare coverage we've ever experienced. We were first introduced to United through the AARP, who recommends this company, and we would also highly recommend them as well! We have NEVER been refused care/coverage for any illness or surgery that either one has had! United Health Care even provided me a home health aide when I was discharged from a hospital after a 3 week stay. We BOTH highly recommend United Health Care!

Their HMO is the worst plan ever. I just don't even want to go to the doctor. It's the only plan offered for us and It's the worst, too many red tapes. The amount of premium they charge for the service they provide is unbelievable. They can learn a lot from Kaiser.

United Health Care is nice. Have been with them twice. I switched to another insurance and after being with them one year they decided not continue service. So went back to United Health Care. This is where I will stay.

Used to have BCBS. Worst company ever. Now have United and what a wonderful difference. The customer service is awesome, the payments are accurate and timely. BCBS just paid a 2 year old claim. Still have not paid a Dr. for a surgery 2 years ago. United is my hero.

UHC has given me outstanding service and assistance including providing plan documents and who I can see and where I can go for prescriptions. I don’t need a referral to see a specialist and one fee to see a specialist in or out of network.

I just had sinus surgery that required a compound antibiotic to protect me from infection. My doctor called, was given the runaround. I called was told on Monday they will decide. Given that an infection is more likely at the beginning days after any surgery, three days are too long. Yet within few hours they called me to deny my medications. Now I will have to pay out of my pocket $150 money that I do not have. And insurance companies complain when we call for public healthcare?!!! United Healthcare since its inception made a mockery of our healthcare. I will cancel that plan. My advice - stay away from any health plan that had United Health or AARP, they are bad news when you need them.

They offer $25.00 a month for gyms but they don't cover my gym Elmwood, it does not help me in any way and I have asked them to add it because I have been going to Elmwood since 2000 and is the gym that I love and I am happy with it.

Very happy with United Health (AARP) and do not wish to change. Wife and I have same coverage and United pays a lot of our visits.

I have had United Health Care for 14 years (it was originally Secure Horizons). Each year I compare this provider to all the other options but have never found a competitor to match United Health Care. Copays have constantly risen each year, but so have the other competitors' rates.

Have had this insurance for almost 2 years now. It is the Medicare advantage in my area. Lucky I am in good health and have not needed any medical conditions that require more than medications or office visits. No copay for office visits nor meds. Meets my needs at this time.

I had basal cell carcinoma removed from my face. Because of the extensive surgery needed to get it all, I needed additional surgery in order for me to be able to see properly. It was denied. I have to pay out of pocket in order to see again. Shameful & disgusting.

A third party administrator correctly sends my COBRA payment to UHC every month. UHC terminates their system retro to 1/31/19 every month. I have to call the TPA and UHC every month to get this resolved which takes 24-28 hours on UHC end to correct in their system. In the meantime, it looks like I have no insurance coverage since 1/31/19. Very problematic should I need medical care during UHC's incompetent administrative screw up. Totally unacceptable - why should I have to wait for them to clean up their mess in the system when I have paid my premiums through 5/31/19.

Bait and switch. They cheat customers; do not cover you even 1/2 what they promise and short-change your physicians. They'd rather you see Nurse at pharmacy or urgent care center. When you try to reach somebody to complain, they hang up on you after you've been on hold for over 30minutes. They change a bunch of things on your formulary without telling you. At the pharmacy you are forced to use your credit card and pay out-of-pocket for medication you've been prescribed for years. They spend your money on executive salary, not on customer health care.

Have had United since first of 2019. So far no problems, they have covered as expected for both me and my wife. We have both significant medical issues. No problems covering my wife's surgery. And I had an unexpected hospital stay and I am also on regular medical treatment. No problems with UHC in those cases either. At this point I would highly recommend.

Tough to get requested info; software for communication very sub-par for national PPO; lack of understanding at customer service contact, reading script; lag in concern processing... list out of date and struggle to get exact details and trouble explaining cost without codes to start. Ask for your time in more situations than one likes...

I feel they really care about my health. They are really into preventive medicine and even pay you for taking care of yourself. I have had this insurance for about three years and I am so happy to have it.

UHC also known as Pacific Behavioral Health (PBH) are liars, cheaters, and do not honor their word. I have them on recording saying they will pay an outstanding bill which I accrued because they told me the provider was in network. They refused to pay the bill, they denied telling me the provider was in network and despite multiple appeals with the recording as evidence they just denied and lied about everything. PBH are liars and cheaters. Regardless of my mental health status I will not access their services again. Which I'm sure makes them just plain happy. They care about their profit margins and not their customers.

I had a big back operation on my spine and covered by Medicare and United Health. My total cost was covered by both companies. It can't get any better than that. So if I make a comparison with other companies that I hear from my friends. I have the best coverage available for me.

Had to call a rep to get a prescription activated because the website response wasn’t effective. Once I contacted a rep everything went smoothly. I was kept updated and my prescription was sent! Shortly after that a phone contact was made along with a follow up letter!

I pay a lot for this but have no choice with retired state employee sick-leave coverage. It was the least expensive of the two options we're offered. I would much prefer to direct my own funding toward my own choices. But, since I have to - this is a great insurance.

I was forced to enroll in a health care plan in order to obtain Medicare Part D due to late enrollment penalty. I had not signed up upon retirement as I did not have any prescription meds. I'm trying to obtain coverage for ** ophthalmic solution which is nearly $500/month without insurance. With insurance there's copay plus first month totaling $425 for Tier 4 prescription. I've been trying to get it reclassified to a lower tier and affordable copay as I'm on Social Security. Due to a small Teachers Retirement payment, I'm not poor enough to qualify for payment assistance. This option provided the best option for the prescription (not the most affordable).

The network of doctors is perfect because I was allowed to see my existing primary care doctor. The prescription drug coverage is excellent and low co-pays. The only down-side is prior authorization for urgent care clinic.

The Medicare process is confusing and very challenging. Very hard to get help. I spent 4 hours on the phone just to get a simple question answered. If I wanted to work this hard I would find a job or start a business.

Health insurance doesn't cover much. When you try to get test done, it takes forever to get approved and then when the providers are paid it is 6 month or more later. In this instant, providers are sending bills or calling to get paid. I hate the prescription part D, don't get me wrong here, the 2nd and 3rd tier are to high and all meds are not covered when the doctor prescribes it. The doctor wouldn't prescribe the drug unless they thought it will work. I had this problem 2 months ago, which resulted in me not getting the medicine at all.

I took this policy through Medicare and I haven't had any problems. They have been prompt paying my bills and my minimal co-payment has always been accepted by the doctor and other providers. Prescription coverage isn't as good. However, considering the hefty profit the pharmaceutical companies are making, I look for the government to get involved and this problem remedied. In summation, I have no complaints and have been very satisfied.

UHC’s Orwellian titled Behavioral Health (mental health) portion of the insurer’s providers IS ATROCIOUSLY INFERIOR AND SLEAZY AT BEST, MORE PROBABLY FRAUDULENT IN FACT. Do not ever choose UHC if you need any sort of psychiatric, mental health, psychologist, or other psychosomatic medical providers: They simply don’t exist and the databases are literally 90% incorrect - that means 90% of the mental health providers WILL NOT TAKE YOU.

I have a Medicare supplement (Plan F) with United Health Care. I like the way it covers everything, but I am not real happy with the price. I know that this plan cost the insurance company more to pay claims, but it seems to me, considering an advantage plan can be had from the same company for less than $50 per month, if you live in the right area, they could sell this plan for less than $192 per month.

Single and family deductibles are extremely high and almost no services are covered except for simple doctor's visit otherwise you have to pay out of pocket deductibles. More and more healthcare providers require this deductible upfront which put some people in a place where they will just deny medical attention even though they have insurance but do not have the deductible money upfront.

Apart from the fact that all these Medicare gap policies are expensive, this has been very good at covering all MDs, labs and procedures. I was not happy when they discontinued including free health club membership... That seems totally counterproductive to having health clients...and saving them money in the long run. I was ready to switch insurance, but options for this area were more than monthly health club fee difference.

Other carriers include homeopathic coverage. I was very disappointed that I could not continue my coverage with my homeopathic and medical doctors treatment and that it would be covered. UHC coverage plan did not seem to be as competitive in the preventative procedures and things that they covered compared to other plans. I was only on this plan for a year due to contract negotiations on my original plan. But soon as the other plan became available during open enrollment, I left this plan and returned to the my original plan.

The company for the most part pays well. Seems some items I feel they should cover are not. The percentage they pay on the prescriptions is not as good as I thought and it changes if they move the drug to a different tier. Since we have no other choice there is not much we can do.

Priced way above what retirees can afford, if taking Plan F supplement, had to go to HMO. Now cant go back to other Part B supplements. Using pre-existing conditions as reason, almost ever Part B claim is denied, dr. have to resubmit over & over.

It’s not UHC’s fault that we have outrageous deductibles! We actually always have a care coordinator whenever we are dealing with some serious medical issues & ours Gloria is always outstanding! She took care of some issues regarding home health care that we couldn’t get resolved & she did it in half a day, which we’d been trying to resolve for over a week!

I do not like primary care Dr that sends me out for small blood and urine test. And having confusion with copays at urgent cares. You guys referrals are not accurate. Most Dr's in my area have left you for Baylor Scott and White. And I need to see the gynecologist more in my plan.

I have an old Supplement-Plan J. I will never drop it. It was one of the best investments I ever made, year after year. It pays 100% of whatever Medicare does not. Any doctor, any Hospital, anywhere as long as they are Medicare approved. I have serious medical issues, cancer, broken femur, COPD, etc. I walk away from a hospital stay costing thousands, saying Thank You UHC!

I pay for the best coverage and United seems to be okay. I can't say they are better than any other given I pay for the "premium" package. I can say I have not had any troubles the one or two times I've contacted them.

Polite, professional, knowledgeable and they answer the phone on the first ring. They go beyond the call of duty to help. The rates are good, however they should keep us informed and up to date with changes i.e. they never notified us of discontinuing the SilverSneakers program.

I’ve been on Social Security disability for a long time and now these people are trying to get somebody else to pay for the damage that’s done to my neck trying to blame it on the accident or Worker’s Comp. I’m too sick to be working the refusing the painter beer ignorant about it they can’t legally make me pay for.

BY FAR the most difficulties I have EVER had to endure just to get a prescription filled, written by an MD. What happened to the days when a medical doctors diagnosis (with lab results) weren't good enough? You have to call and call with these people, never talking to the same person and they keep asking you to jump through the same hoops month after month and just when you think you've done it all they tell you your doctor filled out the form but never sent in the lab work. They have no problem taking your monthly premium, but they don't want to live up to their end of the contract, I guess 8 figures is just not enough for some people to live on!!!

UHC Office new patient experience at 20040 N 19th Ave, Phoenix, AZ. I waited 2 hours to establish care with Dr **. We had a good Dr visit, but she didn’t wash her hands before touching me. The medical assistant spoke very broken English and gave me a flu shot at an exorbitant fee of $161.22 for the vaccine and $61.20 for administering the injection. My cost through UHC is $91.50. If I’d had known of the overpriced flu shot I would have gone to a drugstore such as Walgreens to get my vaccination for $25 and forgone my visit to Dr. **.

I called three times and I spoke to Sarah and Stanley and transfer me to a non United Health Care number to avoid the survey. Very little knowledge of description of their job. They will put you on up to one hour until you hang up. Better not talk to customer service or switch to another Insurance plan.

Too many times the doctor wants to do testing and the Insurance company denies the claim, same goes for prescriptions. They need to stop denying claims based on set criteria (not old enough). Then you talk to someone in customer service and get a different response each time you call.

Do not like CVS as pharmacy. Will not fill Rx as prescribed by specialist insists on sending other med I am allergic to. Otherwise the insurance and operators are helpful. Website is easy to use for locating med services in new areas.

Since options within each category, i.e. F, G , H, etc. are mandated by Medicare, the value is ascertained by comparing price, service, etc. United Health Care seems to excel in all these areas and was far and away our best choice.

Very poor company, very little common sense. Just chasing the almighty dollar. My son was on traditional Medicaid due to being born disabled and now he is adult male. Traditional Medicaid always covered whatever my private insurance from my work did not cover as he is under 26 years of age. This was their way of handling the situation as they understood that I did not have to have insurance on him and Medicaid would of been responsible for the whole bill.

Good coverage. I have a concern about high deductibles, i.e. $40 for a specialist and $65 for non-generic drugs. The customer service is always exemplary. They offer "perks" for things like getting an annual physical. I like the house call program.

United Health Care provides me with wellness care (free wellness checkup with my PCP) and allows me to exercise at the gym as a part of the plan. This is a great advantage of this plan. They keep me informed with a health newsletter, mailings and through my billing statements letting me know whether service has been paid for. Lastly, UHC has an excellent mail order pharmacy that saves me a lot of money on my prescriptions.

Larger deductible, copays increased, drugs now less covered, some denied, pharmacy option more difficult. United Health Care requesting more authorizations, denying services that previously covered, more out of pocket cost in plans.

This company is horrible. They don't care about their patients and they even lie to you just because they are desperate to sale an insurance! I started paying on December 15th, 2018 a total of $187.75. The person that was trying to sell me the insurance said I was able to go to the doctor once I receive my insurance card. I'm a very allergic person so I woke up with an allergic reaction in my eyes. They were red, irritated and burning so I decided to go to my PCP. Today April 2nd, 2019 when I was at my appt they couldn't assist me because they needed a confirmation number.

Fortunately, I have not had to contact customer service much. I can only comment on the RX portion which has GREATLY improved. When I first joined and had a need to call them I would be on hold FOREVER. Over an hour. And then they never had an answer. RX is 100% better now although website could be improved for easier use. Too confusing sometimes trying to determine how many refills you have and when looking up a drug price it never works. Not once. Communication regarding orders via text is a great feature.

I’m dissatisfied with their billings. I have UHC MedicareComplete Choice PPO (replaced Medicare). I just received notice that they denied my routine annual lab work!! (Which Medicare allows)!! No reason, just denied!! When I called them they told me it was still in the ‘Pending’ process! Ok, then why did you send me a Denial Notice??? They had no answer!!! I really think I knew more than their representative.

They need to offer Hackensack/Meridian hospitals. The only one I have is Monmouth Medical Center and I am not impressed. Live in area with thousands of seniors and can't go to either of the 3 Meridians near me.

UHC made billions in profits last year, so they cancelled Silver Sneakers for their senior subscribers and started their own program which they charge for. They cut off their nose to spite their face. Healthy people save them money, not cost them money.

Both my husband and myself have had major surgery and cancer and we have not had to pay for anything. I would say we have great insurance. They even provided rehab and occupational and physical therapy.

This is the absolute worst company I deal with. I have made multiple attempts to try and have this resolved thru the provider services line, but you have failed, failed and failed again. I hope your readers read this, if you were the LAST company for insurance I would go without - You not only give us incorrect information when we call you (that's if we can even get to the correct place) to find out the benefit info is not even close to being correct. That results in YOUR member calling us back and yelling at our back office that we quoted YOU incorrect benefits. Shame on you, you will now be reported to the BBB.

They are taking care of me, but I think that we need to look into options of how to get healthy without drugs. That is a big concern to me because the drug manufacturer is overcharging Medicare and some of the drugs are really bad.

With no monthly premiums to pay for the Medicare Supplemental Coverage provided to us from my wife's employer United Food and Commercial Workers Union International the only out of pocket expense we have experienced is the annual deductible of approximately of $165.00 each and at that rate we have no room or reason to complain. Very happy with what we have. The name of policy we have is UHC Options PPO for UFCW.

I've had my Medical issues over the years and even with all the B.S. Insurance companies make you do, I'm better off with United over any other carrier. Most of my Doctors are in network, and if I have issues, they try to source out one that’ll be compatible to my needs. In all honesty, I've had more issues with the choice of incompetent, arrogant Doctors.

I set up with this plan in October 2018 to start January 1st. I was informed all my prescriptions would be covered with no problem because all was on their formulary. What a crock? This dishonest company has been rejecting most of my prescriptions, which are very important. They are denying my heart med, my asthma med and muscle relaxer. Who knows how many they will deny. Their prior authorizing is a joke as well as appeal dept. When you call, you are sent around by at least 3 people, supposedly 3 different depts. Recently I was sent to 7 different places which took me back to the beginning. Since January I've talked, I've appealed, I've debunked the reason for denial and still no coverage. Since January I've been on the phone with this company over 24 hours. No one should have to go thru this much trouble to get their prescriptions covered. This dishonest company should not be in business.

I would give them zero or negative stars if I could. I worked for over 20 years in insurance at several reputable name insurance companies -- so I know how a good company works. Now my husband's company switched to United Health Care. I no longer carry insurance on my own as I am a self-employed small business owner so am covered under my husband's plan. I have been amazed at the level of denials by United Health Care and the difficulty in getting claims processed. Just one example is they denied the ambulance charge for my husband who was transferred via ambulance to the hospital from the ER for emergency surgery. The ambulance was AT THE DR.'S ORDER that he be sent via ambulance.

I gave a 2 star rating because my salesperson was very good! I have been trying to make an appointment just with a Primary Care Dr. since January. The appointment I made in November last year after I signed up for UHC never materialized. The physician was just not available, call after call. I changed to another doctor I knew nothing about. Well, this doctor showed up in her riding gear (no kidding) and was as prompt as just renewing one prescription and ushered me out the door saying "no" to my question if I could stop the degeneration in one of my fingers due to Arthritis. I am a painter and potter and all I have of value are my hands and fingers.

Had United Health Care/AARP. In the start of 2017, by the end of the year, the hospital I use UNIVERSITY of TN had dropped all coverage by UHC, so I had to wait until sign up by DEC 7 2017, changed my coverage to Blue Cross/Blue Shield of TN to cover a test I have run every August on my heart, usually around $3000. Then I bought hearing aids in Feb 2017 thru UHC/AARP, at a cost of $3800, after AUG 2017 visit to audiologist, scheduled a visit for 1 year checkup in FEB 2018. When I got thru with 1 year warranty, my audiologist informed me she had dropped UHC/AARP hearing insurance called HEARUSA, and any more adjustments to hearing aids would cost $500, because they no longer took UHC.

I recently had a mammogram and unfortunately they found calcification in one breast. I had to have a diagnostic out-patient surgery. Thank God for his mercy because I'm cancer free but the same day I get home and there's a $300 bill from the doctor because United Health Care only pays for you to have a mammogram. It costs me out of pocket to basically find out if my calcification was benign or not. That's not insurance coverage for me but I guess when you're a noncareer employee your life really doesn't matter.

I was told (upon enrolling with UHC) that I have dental coverage of 3000.00 a year. Well, That's great, right? Well, upon seeking a dentist for dental care, I have found that, although I was given a list from UHC of participating dentists in my surrounding area, there isn't one that takes this insurance within a 50 mile radius! Personally, I think it is simply ridiculous to travel 2 + hours - couple days a week - for 3-6 months to seek a dentist!!! Noting, that due to my disability, traveling is hindered especially for such a distance.

My wife had a knee replacement that was pre-approved. Now that it is over the insurance company anesthesiologist is not covered and is out of network. The hospital is covered, the surgeon is covered but not the lab or anesthesiologist is not. We had no choice on who supports the hospital. The hospital has one group under contract for each one of these services. The insurance approved the hospital and surgeon. You would think all supporting services would be part of it. This BY FAR IS THE BOTTOM OF THE BARREL FOR INSURANCE. Stay completely away from this company. Not only an extremely high deductible, but now an additional $5000.00 of out of network costs giving us a total out of pocket of $8,500.00 something we just can't afford. This is through an employer and I just can't afford it. I will be looking for another job.

The timeline of the first instance when I needed to use my health insurance (from United Healthcare).

Avoid at all costs if you ever expect to experience out of country claims. I had a medical emergency in Canada and after 5 months all I have experienced is run-arounds with AARP UHC. Their customer service reps ask for information to be sent. Information is sent and they claim they never receive it even though I had USPS Track Number that showed delivery. When I go into my online web account with UHC, the data shows my claim has been paid but the claim has not been paid.

I had my annual bloodwork and bone density tests done and UHC denied a majority of the expense. I am now responsible for about $735 of the $1200.00 in total expenses, because they classified the annual tests as diagnostic instead of preventive. Sneaky little **. I have pre-existing conditions, such as high cholesterol, which is now under control, thanks to my annual screenings and medication, and osteoporosis. As a 60 year old female, wouldn't these tests be recommended annually, regardless if I had a pre-existing condition? They are working around the pre-existing clause. Sure we will cover you with a pre-existing condition - we just won't pay for it. Deceitful and downright evil. Hoping for a class action suit.

In 2017, diagnosed with cancer, I had UHC deny at least 2 procedures my medical team required. The medical team was great. They did them anyway and figured out who would pay what later. But because I had maxed out my out-of-pocket, I went for my hearing aid benefit. They made it so hard to get the benefit that after 5 months of trying, I gave up. In 2018, in the same situation I tried again. This time I did what they told me I should have done in 2017, and paid for them myself, upfront. Here we are, 5 months later, and UHC has only paid me a lousy $800 for a $3200 hearing aid expense. DO NOT TRUST THEM. I have notes of at least 7 different phone conversations, requesting resubmission 5 times, to 3 different fax numbers. WRITE EVERYTHING DOWN. RECORD CONVERSATIONS. MAKE SURE YOU GET NAMES. THEY WILL SCREW YOU.

For several years, I've had my health coverage with GEHA as a retired Federal employee, now living overseas in Costa Rica. They use United Healthcare as their underwriter (I think that's the correct term). Today, I was denied "direct billing" for a relatively minor surgical procedure planned for a respected local hospital due solely to the fact that GEHA used United Healthcare. The hospital refuses to bill to any firm associated with United Healthcare due to their history of problems trying to recover payments from that company in the past. I have no details, but pass this along so others may be forewarned. Yes, I could put this on my credit card and eventually receive reimbursement from GEHA, but it's too much for my card to handle, so I must forego the surgery and seek some other alternative. All due to the bad reputation of United Healthcare.

This company will let you down when you most need them! This company believes in minimal post hospital rehab, preferring to send you to a SNF instead of a true rehabilitation facilty. Keep giving this company your money so they can enrich themselves and not the lives of their customers. The worst kind of frauds!

Canceled my insurance plan prior to monthly withdrawal, however they withdrew anyway!!! I am on social security and my money is important. STILL waiting after 42 days to get my money back!!! They dont care, what a bunch of **. Never again with these **. Out!

The worst customer service I have ever experienced. Customer service representatives know absolutely nothing, supervisors are equally unhelpful. This company is a perfect example of "profit over people."

I am on Medicare and have an Advantage plan through AARP. There are better companies, but those aren't accepted by my doctor. Customer service personnel aren't very well informed and there's a big chance of getting different answers to the same question. Coverage is average and Rx tiers are unrealistic.

This company is shameful. We have employer provided coverage and pay about $400 monthly in premiums ourselves. We pay 20% of all bills, with a deductible. Denying payment of the out-patient services, saying it was not pre-certified. I called myself inquiring about my out-of-pocket for the services, confirmed my eye doctor was in-network, confirmed the anesthesiologist and out-patient facility was in-network (I was told it "followed the physician") and I went for a 2 week checkup today and my eye doctor said the insurance company, United, had called their office - there is a problem.

My employer is self-insured with United Healthcare. They have made it like an HMO and have to have authorization for everything just about... Plus it is quite pricey to have some procedures performed. It is all about the money these days!!! What happened to taking care of the patient!!!??? I don’t like the fact that too much information is available to the employer as they are self-insured.

I believe this company is very deceptive with their Fine Print, borderlines fraudulency and in my experience is asking malpractice actions by my providers. They take advantage of young healthy people and then when they have a serious time of need and do everything they can to deny claims. In regards to my personal plan, appropriate referrals are required for specialists. I knew this ahead of time, and when I was hit by a car on my bike I went to an urgent care facility for an emergent work up. This facility confirmed a referral to an orthopedic specialist, as I would need surgery, and documented this.

UHC House Calls is a useless program out to get your money. I hear complaints all the time about them not paying for needed services yet they bill Medicare for everything under the sun. UHC wants providers working for them in the House calls program to make false claims. I had a Manager tell me I did not have to do much of anything while I was with members because "they won't know what you are doing anyhow." She actually wanted me to take advantage of people she viewed as less educated. The same manager stated the population of members we see are the type that tend to take advantage of the system. How in the world could she take a paycheck in excess of 100000 and make statements about people just trying to survive day by day.

Our current insurance provider is UHC through my employer. The reviews with this company are horrendous and I just had my own personal experience with them. My husband seen a Heart doctor due to some complications he had been having and his doctor said his symptoms he believed were to do with him having sleep apnea and made him an appointment to have a Sleep Study Test done. The insurance denied the sleep test at the sleep center. So the sleep center said he could do one at home but we would have to pay for that out of pocket but it was a lot cheaper than the in-house one and it would at least determine if he had it or not and how severe. So we did that and it turns out per their results he does have sleep apnea, they said it was a severe case of sleep apnea. They said he quits breathing several times a night for long periods at a time.

I had United Health Care for two years. It was the insurance my employer offered. I have some medical issues and they literally denied almost everything. I have a medication where I have an adverse reaction to the inert ingredients of the generic. I spent a year fighting for this medication and had all kinds of health issues because I couldn't get the brand name of the medication which had different ingredients. The administrator of the insurance plan for my employer got involved and eventually dropped this insurance because of everything that had happened to me. They told me in all of their years working as a plan administrator, they had never dealt with such a horrible company! The scary thing is, I had one of the best plans they offered. I wouldn't wish this company on my worst enemy!!!

Why is it that United cares more about their policy than doing what is right for the patient and the logical thing! I ordered a 90 day prescription via mail ordered. It was held up because one of my medicines were not covered (which it was by Cigna...) so the prescription was delayed! I then ran out of my medicine while waiting for the new mail order to be sent. I asked my doctor for a 7 day prescription to carry me through until mail order arrived. Lo and behold my surprise when picking it up at pharmacy, I had to pay full price! Because United wouldn't cover it because they just filled a 90 day prescription. (Which I still haven't received!!) I called to ask them about it and the response is, "We can't do anything about that!"

In November we were approached by UHC contractor Optum posing as a UHC representative to convert our supplemental plan to a "Complete" plan. We asked about each of our doctors being in the network and one by one they said all doctors were in the network. This was a lie because my wife's pain management doctor was not and is not in the network. Now we are hung with a $700 pain management procedure from January 17th. They said if we did not like the new plan we could "revert" back to the old plan before January 31st. This was also a lie. Now she has to reapply for coverage and it must be done before March 15th or she loses all coverage. We are still waiting on the application forms. Last week we asked where the forms are and they said she was "ineligible for coverage".

I pay over $1000 per month for a mediocre plan from this “insurance company” and the first thing that happens when I have to go to the hospital for an injury is a letter saying they’re going to deny my claims because “it is possible that your medical costs should be paid by another insurer.” I had Aetna for years and even went to the hospital and never had a problem. Seriously if you’re looking at working for a business that uses United for their plan, just don’t. It’s actually worse than not having insurance at all.

We bought insurance Due to we can't offer hospital cost. That means if we got sick, we need insurance help us to pay the bills, seems United Health Care take advantage of patient who's on emergency, have no ability to negotiation with ambulance and emergency doctor if they are in network or out of network, and most of them are out of network as I have been told by United Health Care insurance. But Insurance should responsible to fix this problem.

I have been with my surgeon's office for three years. They know me. They know my body and I just got five letters in the mail from United Health Care saying they're dropping absolutely every provider that I've seen and the practice as a whole which doesn't make sense because Northwest Orthopedic Specialists is the provider for Gonzaga University and other sports. They are the best in the area and I feel I deserve the best when someone is cutting on me.

My husband and I purchased insurance from Golden Rule AKA United Health Care One as a stop gap between being eligible for insurance through employers. We needed it for 3 months for us and our daughter paying over 1400.00 per month. During those 3 months I saw my doctor for a wellness visit. Since I had been treated within the last 6 month for GERD they refuse to pay for the visit or routine bloodwork and urine test. I was not being seen for GERD, however they refuse the believe that. I have been fighting this for months. I am guessing that since I had a chicken pox as a kid they would not pay for a rash either. My advice to you is to look further. Customer service is a nightmare to deal with. They ask for the same information over and over looking for ways not to pay for a claim.

Run as fast as you can from this Part D insurance plan. Phone menu system is the pits. Too many segmented departments keep you busy as they switch from dept to dept. Most senior expensive meds are not covered even with doctor's input. Language barrier is also an issue with many associates speaking with strong accents. Seems even lower tier RX are not covered at all until the variable/by tier deductible is met. An appeal went unanswered for weeks until another call confirmed they did not receive the paperwork (or internally lost?). Forget about followup, it does not exist.

United Health Care made the determination, without any reason, to stop covering the anticonvulsant I’ve been taking for over 10 years. I’m allergic the the generic formulation due to nonspecific binders used (as are several people I know) and find my side effects increase when I take it, therefore I’ve been on the name brand for years. The name brand is expensive (1000s $) and I get that, I understand financially, insurance companies prefer to not have to pay, however, that is technically, their JOB! They stopped coverage, without informing me, when I went to pick up my refill, that’s when I found out.

I am 76, in 2017 I called SHIIP a service by the NC insurance office. They give a cost of your prescriptions and premium. Advised and set me up with AARP/Walgreens underwritten supposedly by UHC. Paid my premium in December for Jan. 1st. So the card would be in effect then. 1/4/2018 I went to pick up my heart meds. They advised that will be $397.47, I was floored, I advised the clerk to put it up, went to Sam's Pharmacy and got same meds. For $49.99. Did get 2 other scripts up until June 2018, but called UHC and advised I would not pay any more premiums, to cancel the card, should have been it. But no, I finished out the year @ Sam's, very content. Called NC helpline, again signed up for a Rx plan, $28.00 monthly, got my card in December 2018, paid the $28 Jan, premium, picked up meds, paid Feb premium Jan 18th.

I have had AARP Medicare Part D Drug plan with United Healthcare for several years. In an effort o lower my medication costs I spent time during the fall change period with both AARP and Humana and decided to give Humana a try. At the beginning of Feb. I called about refilling several prescription and got very different numbers. I then called AARP and spent almost 90 minutes on the phone with Robert, a UHC rep, comparing the costs, my monthly premium, etc. and decided to go back to AARP. He told me that we could do a verbal application form and that I could give him a verbal signature, which I did. He also told me that Medicare would take care of informing Humana that I was going back to AARP when I started my plan, as of March 1st.

This is BY FAR the worst health care experience I have ever had with a company. I switched this year to save a couple dollars, I used to be with MVP. When I called MVP it was one call to answer my question from a helpful CSR. I have had NOTHING but trouble with UHC. First of all, when I call the automated line, they tell me they can't find me in their system YET they take the money out of my Social Security check monthly for a premium! I called to change my phone number weeks ago yet today I call a number to take a supposedly required health assessment and - "We can't find you in our system." I called the customer service line and was told it was changed in one system but not all, "Allow 10 minutes and call back and you should be set." I waited over an hour and same darn thing: can't find me in the system. OK so I'll register online and take it: "Can't find you in our system."

My daughter takes brand name ** 500mg 3500mg daily. Name brand is a Tier 4 on our plan which is &150 copay. It is step therapy as well. Prior authorization has been approved and step therapy documented. UH is stating plan requires us to pay difference between generic and name brand cost PLUS copay. Total is $1521.86 a month. She has tried both generic and generic XR and had breakthrough seizures so her neurologist put her back on name brand years ago. She is away at college and doing well.

This is actually the first negative review I've had found necessary to write about a company because they have treated me so unfairly. After faithfully paying United Health Care a monthly premium on-time and in full amount over a ten year period... I went to the pharmacy to learn that UHC has triple the co-pay of my medications. When I call to get understanding they sent me from one person to another in order to frustrate my efforts to get resolution. Now, they are attempting to continue collecting a monthly payment for a service that I can't use because the co-pay is too high.

After what I read on this web site and my experience With United Health Care these people should be out of business. I went to Quest Diagnostics In December 2018 for lab work prior to my scheduled doctors appointment for a physical in January 2019. In previous years I have used Quest Diagnostics with no problem of claims being paid. Well this time for my visit in December I got blindsided with a full lab bill for $677. So I call United Health hoping for some help. Come to find out Quest Diagnostics was out of network for 2018 BUT as of January 1, 2019 they are back in the network. You think they could send some form of letter, email indicating there was a change but I received nothing. The rep I talked to at United Health said there was nothing they could do. Anyone beware when dealing with United.

When I went to pick up my prescriptions the pharmacist told me that United refused to pay. I contacted them and after an hour on the phone they told me that my coverage (AARP Medicare Rx Plan through United) had been terminated. I had not received any notice of termination from them and had previously sent them a request for automatic payment. They furthermore stated that they could not re-enroll me and that they sent me a reimbursement which I have not yet received. It has been very upsetting and now I'm stuck and don't know what to do.

United Healthcare is the worst insurance of any provider. I am scheduled to have surgery on tomorrow and the approval has not been finalized. My physician submitted the original documents on February 1st, 2019. They are not forthcoming nor professional. This is the second time I’ve had to wait until the last minute for their approval. I wouldn’t recommend them to any corporation nor individual. If there were an option for zero stars I would rate them as zero. Horrible Horrible Horrible!!!

I recently had a fall and fractured my tibia. As a result, I needed to find an orthopedic surgeon. I don't work due to other issues so I am under United Health Care community plan. While trying to find one, I was told by all of the doctors' offices on the list provided by UHC that none of them will accept United Health Care. When calling them to ask what to do, as I couldn't find one to accept me since they will not accept United, they told me to get prior authorization for my primary. I then called back to the offices I had previously spoken to, I was told they refuse to deal with this insurance. I have had multiple problems finding specialists with this insurance. I am finding many offices refusing to deal will this company. And calling the member services was no help at all.

UHC was sued in 2018 (along with AARP) for accepting kickbacks on drug rebates offered by drug companies. These rebates are intended to benefit the consumer, not the insurance company. As a result, UHC committed to ensuring that these rebates were passed along to the consumer effect 1-1-19, especially benefiting those in HDHP plans. I take the biological drug **, of which Janssen Drug company offers a high rebate to help consumers pay for these drugs. UHC along with Express Scripts, processed my claim for this drug and did not apply it to my deductible. I was told by multiple UHC reps, supervisor and a plan manager that this was supposed to be applied to my deductible and my claim was processed in error.

Worst insurance in the market. I have FEHB and me and the government pay almost $1500 a month and we still get a bill for every doctor's visit. Don't use this. Highly dissatisfied. Their LAB is ridiculous. $50.00 for every single lab no matter what it is.

Updated on 02/25/2019: After receiving LTD for about a year, I just received a letter that they wanted almost all of the money they paid me returned. $27650.00! When I was injured at work, I received STD for about 6 months and when that ran out and I could no longer work at any light-duty posts at work, I was forced to choose between retiring early or being terminated and losing my health insurance benefits. I chose to retire early. I could still survive but it would be tight. I got a call from UHC Specialty Benefits who handled the STD claim. She was asking me about LTD and I told her that I just put in my retirement papers so, thinking that was going to be the end of our conversation, she went on to tell me that I could still collect my pension and receive LTD up to 100% of my Pre-Disability salary. I said, "Sign me up!" Big mistake.

We allege that UnitedHealthcare Community Plan is indifferent to the well-being of a disabled senior patient by ignoring the urgency of medically necessary dental diagnosis and treatment, and by a policy of protracted refusal to approve critical member needs. Because of UHC/Dual Complete adherence to non-approved solutions, the potentially fatal consequences of massive dental infection will lie at the doorways of UHC. Moreover, we believe that this member-patient is totally justified in seeking the compounding judgments against UHC Community Plan for negligent malpractice from the ended time frame of appeals.

For a reason that no one at United Health Care can explain why you have separate data based and policy and procedures for prescription and supplemental policies. There should be a common database for a customer info. This would cut your expenses and improve your service to customers. Examples: I was changing my address and my bank accounts for EFT payments. It took a while and a lot of frustration when I tried to make these changes. I thought one call should do it. NO. I have to call each department separately and give them the address change and when I tried to change banks on the EFT process, prescriptions department took the information over the phone but the supplemental department refused to do so, and insists that all requests be made in writing on a form that they produce and will mail.

My company switched from Blue Cross and Blue Shield to this United Health Care because is supposed to be better. Well it is not. Besides paying more on the monthly premium, I know have to pay $40 for a doctor visit and $70 for specialist visit because none of the doctors that I've had for over 10 years are in the Tier 1 program. When searching in the portal to what providers are Tier 1, they all have under 3 star rating and the choices are slim. Only one dermatology available under tier 1 with 2 stars. I even put over 100 miles from me to find a decent Dermatologist that may have over 3 stars and there is none available. The same goes for Neurologist. I can no longer go to my regular neurologist because they are not part of the Tier 1. I wish our company would have done a better research on this Insurance as it is Horrible.

This is the all time worst insurance company that I have ever had to deal with. I spent almost two weeks appealing and fighting with them over coverage of my insulin and I am a type 1 diabetic. The best option they said I would get was paying over five hundred dollars out of pocket for a month's supply. I don’t see how a disgusting company like this can even manage to stay in business with the way they treat their patients. People are actually dying from lack of insulin if they choose to go with United. I dropped their joke of a policy after only one month and have nothing but hatred towards this horrible company, avoiding it entirely would benefit your physical and mental health.

I have been insured with UHC via Medicare for about 18 months. In that time, I have called them numerous times regarding coverage that was denied. In each situation, one representative will give completely different information than the next. It's as if they have no way of corroborating a client's information in their system. It's been a nightmare. How a company with this lack of knowledge and incredibly inept customer service can stay in business is beyond me. I even tried to visit one of their corporate offices in Los Alamitos, California to clarify a claim, and was denied entry to the building. The guy at the front door told me to "call the number on the back of your card. Clients are not allowed in this building." If I had a choice, I'd find another insurance company.

We changed to an advantage plan due to cost of premium. They withdrew both premiums from our account on the first of the month. It is now almost a month later and we have been unable to get the $600 refunded to us. Advise everyone to have premium taken from your social security check and not your bank! No way to stop them from taking money once you sign the draft!

I had no health insurance for almost a year and was paying almost $300 a month for my medications on top of my monthly dr visit, and it was taking a tremendous toll on my bank account, and I barely was getting by paying my bills as it was. Finally 2 months ago I went and talked to an insurance rep and decided to sign up for United Health Care insurance because it covered not only medical, but dental and vision also for $40 a month.

I submitted an FSA claim to UHC and received notice that the payment had been sent. After a month went by and I still hadn't received a check, I called multiple numbers, was transferred multiple times, and generally given the run-around regarding the whereabouts of the check. This is literally the first negative review I've ever written about a company because I'm so disgusted with how they handle customer service (with a clear aim of just never sending you your own money. Money which was set aside specifically for medical expenses).

Expensive high deductible plans which claims to cover preventative at 100%. Called to see why my annual eye exam was not covered. First rep told me it was coded as diagnostic. Had docs office resubmit with correct coding. Waited a couple weeks. Not covered again. Called UHC again. Was told I don't have coverage when I pay for vision insurance! Rep said to call UHC at another # which was not on my insurance card. Spoke to someone in UHC Vision who said the eye doc I saw was in network for medical but not vision! Out of network I could be reimbursed $40 bucks. Rep said I could call to see if a provider was in network which is what I did prior to my visit. On the EOB it says, "thank you for using an in network provider." More game playing and backpedaling with this company. Not worth the hassle.

No one notified me that I needed a new prior authorization for a prescription I have to have. I'm on disability and it cost me almost $60 instead of $1.25. Called to complain and they told me that they can't do anything about it. I will never do business with them ever again and I suggest no one else either!

This is the worst insurance company I have ever had to deal with, we have been trying to get an authorization since 9/2018 and nobody has a clue on how to obtain this P.A. This has been our worst experience from management to customer service.

I switched my 98 year old mother in December (she has low income assistance so I didn't have to wait until January) to UHC Supp. Plan F (with no problems) and got their Part D prescription insurance because I thought it was a good idea to keep everything under one roof. Besides the fact that I had to do the application 4 times over the phone because they lost applications or deleted them, she was insured Dec. 1. 2018. I had to send my POA at least 3 times to them because every time I called, they said they weren't authorized to speak to me about my mother - even though they had my phone number, zip code, and mailing address on file.

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.