UnitedHealthCare Reviews

My daughter was born on June 14, 2015 and had one month of coverage with Kaiser before she was switched to a United Healthcare family plan. Her coverage with United Health Care started on July 6, 2015 and her coverage with Kaiser ended on July 14, 2015. United Health Care has repeatedly denied claims AFTER July 14, 2015 (when my daughter's Kaiser coverage ended) on the basis that she had another primary insurance that should be billed. I have called United Health Care at LEAST seven times to resolve this issue. Every time the "customer service" agent assures me that the issue is resolved and that the claims will be paid, but this is never the case.

When I purchased this policy after moving to MS in the Fall of 2015, I was told that Dr. ** was in network and I could still use him as a Primary Physician. I still saw Dr. Calvin ** or his nurse practitioner until the end of 2015, and the claims were paid. I have been going to Dr. ** over the past month for high liver enzymes. When I received the rejected claims, I contacted Dr. Mullins and he nor anyone in his office were aware I could not be seen there anymore. He stated I see patients from MS who are insured by United Health Care all the time.

UnitedHealthcare probably saves about 20%. By going against standards of the industry through various fraud. The insurance industry is now being enforced by former UHC execs. The head of Medicare is a former CEO within their organization. Physicians and patients both lose and since their CEO's pay is mostly done through stock options, it makes more money for him to deny claims boosting the value of their stock at that very moment.

The very worst you could possibly imagine. My wife had Care Improvement Plus as her medicare advantage PPO. They merged with UHC and it has been nothing but a disaster since. I would definitely advise against this company!

Sumatriptan denial - I have managed having migraines for years. The neurologist recommendations are for 9 pills per month. It has been the standard amount for two other insurance companies. This many pills allows me the ability to work and function, knowing that I have medication if I need it. I have insurance through my employer, I also pay a premium. I cannot believe this company is allowed to do this, randomly choose not to follow MD recommendations. This medication is expensive. Shame on them.

I had this insurance in 2014 through my husbands employer and ended up needing a hysterectomy in December 2014 - my husband's employer had already decided to switch insurance companies in Jan 2015, so I was in a time crunch. I went on Dec 8th for pre-op evaluation, and my surgery was scheduled for Dec 18th. Unfortunately I found on from the hospital on Dec 17th that the insurance had not yet approved the surgery, because pre-approval had just been submitted by the doctor's office that morning, the day before my surgery.

My car door flew open in the wind and struck my face and I needed a couple sutures. I am an infrequent user of my health insurance. I go maybe once a year for my yearly physical and take no pharmaceuticals besides vitamins. After a $580 ER visit for the sutures United Healthcare hired an auditor to "investigate" to see if my auto insurance provider should foot the bill. The "auditor" was rude and sounded like she has way too much "ah ha I got you" in her voice on this minor expense, minor issue and "turned a molehill into a mountain" came to mind. I am sure United Healthcare spent more to "investigate" that my bill should be paid by my auto insurance versus if they had just paid the bill. Since this time, I have had Cigna and BC/BS, both awesome insurance companies with no issue. Good luck United Healthcare in your quest to do everything in your power to get out of paying anything.

I'm really disappointed with this Insurance. I can't find a local Doctor that accepts this. I've been seeing my Cardiologist for 4 years and didn't mind paying the $20 extra dollars but now I have to pay $160 in full when I see him every 6 months. There are probably others nearby but I can't seem to cancel this? I've called several 800 numbers that I was told to call and they said I had to do this on the internet? I'm so disgusted.

After dealing with a doctor that never so much as took my blood pressure I called. I needed a referral to mental health. I waited 3 months to be sent to one that is 150 miles away. It is like dealing with the 3 stooges. I filed complaints but give up changing out of this company that calls themselves a Insurance Company. I called more times and always put on hold because the "computer is acting up". Same excuse and hold time 20 minutes. They try to sound like they care but have no clue to what coverage is available.

My mom changed to Kaiser as of 1/1/16. After not realizing she couldn't see preferred doctors, she wanted to switch back to United Healthcare. After contacting United Health Care to see if we could go back, United Health Care advised us to cancel Kaiser and send them the paperwork so they can reinstate her. Now that Kaiser has cancelled and she has no insurance, United Health Care tells us that it is not possible. This shows that United Health Care is AN ORGANIZATION THAT DOES NOT EDUCATE THEIR EMPLOYEES AND TAKE NO RESPONSIBILITY FOR THEIR ACTIONS.

My company switched insurance companies to United/Oxford this year. I have never before had so many problems getting a medication that I have been taking for years. The medication was denied. My condition has gotten worse and am in pain which I explained to customer service. They say I need to try a substitute which I would be happy to do but it is not available to my pharmacy. In the meantime I am in pain and they are making me and my doctor jump through hoops. They are the worst, stay away.

This has been some of the worst customer service I have ever received. In a week, I have talked to at least 7 different representatives, spent 3 hours on hold, been promised 3 call backs (none of which have happened) - all just to confirm whether or not they received the referral from my doctors office. Every representative promised to contact the primary care office and resolve the issue, and it still has not happened.

In December I signed my wife and son up for a UHC Gold Plan in Texas. At that time I verified that their doctors and medications were covered by this plan, which was confirmed. At that time I was told that we could choose their primary care doctors. My wife's choice for PCP was her gynecologist, which they confirmed was fine. Well, that was the first lie. We found out in late January, when I called UHC that she could not use her gynecologist, even though he's on her plan. Then, UHC billed us twice around January 20th, 2016. Billing said they would send a refund check.

Enrolled in Bronze Compass 5500 plan with United Health Care through Marketplace Exchange. Online payment made but never made it into system. Coverage terminated without notice. UHC admits it was done in error but after spending 2 weeks making numerous phone calls nothing has changed. UHC billing page shows coverage in terminated status. Benefits page shows coverage still in effect. UHC will only accept phone payment directly from my banks accounts, which I refuse to do. They will not accept debit card or credit card payment on phone. When I go to webpage to pay online it won't let me because my coverage says "terminated." It's a total Catch-22.

Clearly United Healthcare is well aware of the insurmountable issues they have in customer service. They use call centers in other countries for healthcare!! Additionally they unknowledgeable employees, specifically in the "prior authorization" department. Because of my employer group plan, we are with United Health. A prescription I have filled for 5 years with no issues AND other insurance providers have covered, United customers service says "no DENIED". I am advised (after paying the full cost charged by the pharmacy) by United customer service (AFTER 3 1 hour phone calls) to call the prior authorization department. The first call I followed the instructions of phone agent. Again United denied. I called back to prior authorization, followed their instructions which included a form filled out by my dr/staff and then I call again. I'm told it is the incorrect form. I requested the form. I am told rudely, the dr will know which form.

Husband is an retired iron worker - we had to change to United. We're very upset - but no problems whatsoever. Very satisfied. They have sent information to us. Calendars silver sneaker cards... using same dr. No problem with any meds. And we take some very expensive ones.

United Health One consistently fails to automatically process payments, and sends out "Final Notice" for payments. The "Contact Us" page provides a phone number to an IVR - no option to email, let alone chat. Talking to an actual human can take upwards of an hour or more on hold. As a monopoly in my area, the cost is astronomical to begin with.

I have recently become an independent contractor and signed up for United Health Care COMPASS insurance through open marketplace for 2016. It cost $1200 a month for my husband and I. I spent 3 hours yesterday calling all the doctors on their provider list looking for a primary care physician. No doctor takes this insurance! I called customer service and they just keep sending me their provider list. I feel like I am losing my mind. I am paying a lot of money for an insurance that I cannot use and the insurance company keeps sending me the list of the same providers that I already called. I live in downtown Manhattan. The latest provider list I received lists doctors in New Jersey and in Brooklyn. I think it is an unreasonable expectation that a person seeking medical care will travel across state border to receive medical help or a referral to a specialist. I am absolutely stunned by this situation and, honestly, don't know what to do.

In June of 2015 I had a surgical prostate procedure. The hospital wanted over $500 before I even had the surgery. We used my wife's flex spending account to pay the hospital. When the claim processed, it was denied and deemed experimental. The hospital and I both appealed the decision. At the end of October, I got a letter from United stating that they accepted the appeal and would pay the hospital and the surgeon. All of this time, the hospital has been holding the money which we paid them in June. Two surgeries later, I met my maximum out of pocket which was $2,500, and that meant that the hospital was not entitled to any of that money.

I've been looking for an in-network mental health provider for YEARS. Went through 3 UHC professionals who dropped UHC after 4 months of starting work with them. Recently had an emergency situation, and spent over an hour on the phone (after ** around on the website trying to find what I needed for a half hour, complete with multiple time-outs and needing to log in again and again) to be shuffled from one barely comprehensible, thickly-accented, useless, impatient, grumpy peon to another.

I needed two teeth capped. There was no dentist in this area in their system. I called and they said to get the work done and they would pay me back. It cost $4000.00. I sent them all the bills. After two months, they sent me a check for $25.00. Stay away from them. They are crooks, liars, thieves and a lot more but I am trying to be nice.

I had been prescribed a daily medication by a family doctor and again by a specialist who called in a prescription for 30 days. When I got it home, I found out that these people agreed with the daily dosage but only allowed 3 pills per month. Repeated calls by my pharmacist, Doctors and me failed to change their mind - the only advice that they could give my was to buy it online at my own expense. I found a source online which was only 1/2 of what these people were charging me on the copay for the 3 pills they gave me. They also refused a prescription for a medication which is only manufactured in a sixty day supply. That approved the drug but only for 30 days even though nobody manufactured it in 30 day dosages. These are totally dishonest people who manufacture reasons to avoid paying legitimate claims.

I made this account so that I could review United Healthcare specifically. Almost everyday there is an issue with United, either canceling my plan for no reason or not processing my payments. I have spent COUNTLESS HOURS on the phone trying to fix my insurance plan because of mistakes on their end. Last year, I had to file a formal complaint with the Division of Consumer Services because they had enrolled me in two healthcare plans at the same time, and were insisting that I pay the premiums for both for five months. This went on from July until November. After trying everything through their customer service and billing phone numbers I eventually compiled my payments in a credit card statement and what they showed online, along with a letter detailing my frustration and the situation. It was finally resolved by the state.

I was insured by United Healthcare for most of 2015. During open enrollment I found a new and better policy that fit my needs for 2016. I went online and "unchecked" the box that allowed United Healthcare to automatically withdraw the monthly payment to them from my bank account. I then paid my last premium via credit card. I never rechecked the automatic payment option. I checked my bank statement and saw that UHC withdrew the next month's payment from my bank without my permission. When I called the gentleman (Kim) acknowledged the error and said for some reason their system reverted back to the auto payment option. He saw where I opted out but said he would have to submit a form to their Finance Dept. requesting reimbursements for the funds that they withdrew from my bank account WITHOUT MY PERMISSION.

On February 1st 2016 I made a payment to my daughter's health insurance premium online through the United Health Care Billing website. I attempted a payment and it didn't go through and I never received a confirmation number. So I waited a few minutes then I attempted to make the payment again and it went through and I received a confirmation number. The next day I noticed upon checking my bank account online they had charged my account twice for the premium amount of $368.12 which was still pending.

I have had several bad experiences with this company. I specialize in sleep disorders. The studies I request are capriciously denied, and UHC requires the physician to call, and often I must remain on hold for the better part of an hour. It can take them over a month to review a case for authorization for a study, and then, when it is denied, they will give a reason that suggests they did not read the documentation that they sent. The only way to overturn a denial is to have a "peer to peer" review, which means another wait for a phone call. I have a strong feeling that they deliberately create barriers to care, so that less tenacious requests will simply give up. I can't stand working with this company!

I have been nothing but disappointed since I began with United Healthcare in October of 2015. So much so that I am willing to put my son back on my work insurance and pay 100 dollars more a month for any other company. My plan was cancelled without my notice (I have paid all my premiums on time) and I had to call more than 7 times to get it reinstated in order to take my son to the doctor. I can't wait until April 1st so my son can be on other insurance. Avoid this company at all costs!!!

Worst customer service I've ever dealt with in my whole life. They owe me a reimbursement of 2 premiums. I've sent in the proof they've required. They don't return phone calls, or my money - so far. I don't have time to make constant phone calls/emails. I'm absolutely appalled at their lack of professionalism. Changing companies ASAP.

Have been with Part D company. This year they doubled my rates (hello there was no cost of living) denied 80% of the medication I have been taking the last 6 years. It's very sad when dictatorship overrides a person's health and well being. They are crooks and bullies. Made a phone call, asked the rep for a supervisor and a racial slur was made towards me. HUNG the phone up, was not going to get my BP through the roof!

Ok so this is our second year with United Health Care and so far they really don't do their job! So my husband has a pre existing condition Gout and he has been taking Uloric, Colcrys and Meloxicam for years to manage his Gout levels and pain. In January 2016 we send for a refill and It was denied. I call United Health care and they told me the Doctor needs to call them to do a pre-approval for all medication and that Colcrys will no longer be covered because is a plan exclusion (by the way I am paying for the best PPO plan they offered). I called my doctor and I explain to him, he called the insurance. They said it would take between 2-15 days to get it approved.

I have had the unfortunate experience of health insurance "coverage" through United for the past two years via my employer. They are a complete scam. They won't cover anything or even accept/process claims because they falsely state that I have primary care through another provider. I have no other insurance, nor a spouse or any situation by which I could obtain other insurance. I have called them many times about this issue and they keep saying they will fix it but they have to "hack their system" to do it... Seriously!?! What kind of obnoxious system do they have?!?

I switch plans with my employer who offer UHC as our primary plan and it would be less expensive for me. In November 2015 my doctor prescribed me an antibiotic, which UHC did not cover and I had to pay out of pocket. Here we are in February and I am need for some other type of medications and UHC did not cover my prescription again.

I am insured by UnitedHealthcare and they refuse to cover my bills. I have had a supervisor refuse to help me. They have spoken to the old insurance carriers and verified that I was not covered and still refuse to cover my bills.

I signed up for UHC through the Market Place. I called on Jan 11th to pay my premium thinking it was due on Jan 15th 2016. I was informed I was cancelled due to non-payment on the 1st of January and I had to call the Market Place to reinstate me. I received a letter days letter dated on the date I called stating I was cancelled due to non-payment. Coincidence? I called the Market Place - they submitted a claim to their Health Plan Specialist. I got a phone call from the Health Specialist saying everything was taken care of. Then I received a letter from UHC saying they reviewed the request and cannot be reinstated effective 1-1-2016 and I will owe a penalty at tax time for not having health coverage. I called them and asked why I could not be reinstated. They said it was because the Market Specialist put reinstatement date for January 1st and not the following month for February.

My mother-in-law was rehabbing in a nursing home from a broken ankle. United Healthcare stopped paying benefits as soon as she passed the bridge and at that time UHC would be responsible for 100 percent of her daily nursing home stay up to day 100. They denied her benefit stating that she did not need nursing home care. Nobody at the nursing home agreed with this assessment. We appealed this having to go by their process. It took six months to complete this difficult process but we finally got our hearing in the firm. I had a conference call with an administrative law judge. I was very sure that I would win.

I went through the Healthcare.gov in Dec 2015 to insure my wife and had to choose United Healthcare of Alabama, premium was $405 paid Jan 1st. Went for a Doctor visit and Bam! NO INSURANCE! Made phone call to Obama care and they said all application were complete and if payment was made, I should have coverage. Called UHC approx the middle of Jan and was told that my payment did not process due to high volume of enrollment, after about a hour on the phone explaining how to get reimbursement for out of pocket payments they said problem was corrected and coverage was confirmed. Well another doctor visit said differently, NO COVERAGE! (More $ paid out of pocket.) Another phone and they told me I had coverage and gave me a ID# to show the doctor until my papers and ID card came in the mail.

We signed up and made our first payment for the coverage of United Healthcare in December 2015. On January, we called UHC for access the primary healthcare listings. Made an appointment and when we tried to verify our PCP online we found that we were not registered. When called UHC, we were informed that we were no longer covered due to "lack of payment" when we had already paid in December for January's premium. The customer representative informed us that we short $2. We then made the payment immediately over the phone, this was Jan. 23. Today is February 7 and we still have no coverage. This company had drop us after the fact that we prove to them that the funds were already collected. We had to contact our bank to verify payment via statement. My husband is a diabetic, he needs his check ups on regular basis. He also needs to see a Sports Medicine Physician as well as a Urologist and a Ophthalmologist.

They told me on joining I would have a $20.00 to pay on my doctor bills and I would never have to pay more. Ha ha THEY DON'T PAY ANYTHING! Left me with thousands in bills and to make things worse after canceling their service they are still taking money out of my bank. They claim they can't stop taking my money for another cycle and they won't put a manager on the phone with me... Living on less than a $1000.00 a month and having them take 20% of my income and pay out nothing is to me unbelievable. I am down to 1 meal a day because of these lying thieves... I can’t believe how they have scammed this old man.

I recently called my pharmacy to refill a prescription for Cipro. My prescription regimen has not changed in 15 years. However in this case United Healthcare denied to pay for the prescription and instead recommended another antibiotic. Even the pharmacist told me that what they recommended would not treat the anything near what Cipro was prescribed for. I then called United Healthcare and they said there was a drug interaction rejection (which they didn't know what drug it was). That CVS would have to call my doctor and then call them back. I reminded them that my doctor was the one that prescribed the medication in the first place. They wouldn't budge. So it's a Friday, so they are going to deny an antibiotic for the full weekend and let me get worse in my illness until Monday causing who knows what damage.

I signed up with UHC late December via Healthcare Marketplace. I called UHC and made my payment over the phone. The rep I spoke with applied it to someone else. It has been a nightmare from there. After twice weekly phone calls, 20+ hours they are REFUSING to fix it. I have submitted proof more than once. I have never worked with such an inept company. Frankly I hope they go out of business - that is how bad their systems plus customer service is.

Prior to going to my doctor on 10-23-2014, I used the UHC estimator on their website to verify coverage for a shingles vaccine. I was told that for a 57 yr. old, it was 100% covered & "Good Job" on preventive care. That information was absolutely INCORRECT! I have been fighting with UHC for 16 months now. They state that it was only covered if I was 60 yrs. old (which is not what their estimator said). It stated that I would have $0 out of pocket cost. If they would have told me that it was only covered for 60 yr. olds, I would have waited the 3 yrs. to get the vaccine.

Recently I have been diagnosed with a health issue that is causing compression on a nerve. It has been affecting my life since May 2015. My surgeon recommended surgery and put in a pre-authorization. UHC has denied it on 2 occasions wanting to see muscle weakness or nerve damage before approving. I have been suffering for months and UHC doesn't seem to care! Insurance companies have gone downhill so far, it's not about the patient anymore, if it even ever was, it's about how much money they can keep within the company. Meanwhile, I am at the point where I can no longer wash my hair without pain. I guess we just keep trying. I mean, what's a little nerve damage and blood clotting?

This is the worst company in health care history. After seeing these reviews I was crazy to sign up with them. I have been dealing with them from day one January 1st, trying to get a specialty prescription for Prolia, for osteoporosis. It is covered under my medical benefits so it should be easy right? One month later, I am STILL trying to get the phone back call from them asking me to authorize delivery to my doctor. I have called back a dozen times, which takes about 30 minutes a call starting with a foreign call center, to get to the right department -- the escalation team. Then, once you have someone helping, you can NEVER reach them again, so every time you call, you start with a non English Speaking call center, and it takes another 30 minutes to reach someone who tries to help but the result is always the same.

I am writing this letter as a formal complaint and am requesting an appeal on behalf of my account. I am very dissatisfied with the customer service skills provided by United Health Care and the numerous inaccuracies of delivered information. On November 4, 2015 I underwent ACL surgery. Prior to surgery I did my due diligence by calling United Health Care to discuss possible out of pocket expenses, in-network and out-of-network surgeons, co-payments and future medical bills if applicable.

When I applied for health insurance with this company, it was over the phone. The lady told me that my coverage might not actually start on January 1st (despite that being what I was applying for in mid-November) because it's a busy time with open enrollment and I should wait patiently to get all my paperwork from them so I could pay my first premium and be covered. I waited until after January 1 and I had received no communication from them whatsoever. I tried to log into their website, and since I don't always have time for phone calls during business hours, it took a day or two before I could call United.

United Health Care is a scam. They collect your money and leave you out in the cold. Arrogant people to deal with on the phone, who treat the customers like a 2nd class citizens. Hey, we pay your salary, jerk. Disrespectful and deceptive, they pick their people, apparently based on following a hard company line of treating the people like crap, and the worst part is their representatives' attitude, much more like a hard-nosed bill collector than a helpful customer service rep. When in their phone system to find a doctor, it is very hard to get to anyone who actually will find providers for you. They are only interested in selling more of their worthless coverage, not in providing the services they were obligated to. But their real obligation to provide nothing, and collect as much money from you as possible.

Like many others comments I too signed up for UHC via the marketplace in December 2015 because the premiums were more affordable for me. (My rates with BCBS were more than doubling). Oh how I wish I would have done more research!! I made my first payment when I signed up on Dec. 14, 2015. Got a letter on Jan 9th stating my payment was received but would not be processed until Jan. 4th. My payment was not processed until Jan. 22nd. On Jan. 28th I was unable to fill prescriptions bc my insurance had been terminated for nonpayment.

United Health Care is the absolute worst company I have ever dealt with. In the past 9 months since my son's birth, he has been dropped from my insurance every month. I've paid my premium on-time every month and 9 out of 10 times, I go to the doctor myself or my son shows up in their records as uninsured. Yesterday I took my very sick baby to the doctor and had to pay for his visit out of pocket and pay for his medicine out of pocket which cost $100 for ear drops! When I called the company, one representative said he didn't have insurance. The second time I called they said he did have it, but the issue needed to go to escalation.

Got the ep plan from this company and not one doctor want to take it. It's a waste of money. I have to pay out of pocket to see a dentist. This company also denies to pay for my child surgery when hospital send the bill. Please don't use them NYC.

I canceled my health insurance in 2015. In January they still took an insurance premium (a very high one I might add) out of my account. I called the very next day and after waiting on hold for an hour a lovely man told me it was their error and they would debit back my account. The following week (after still not receiving back my money) I called again... and waited on hold again for nearly an hour. This individual told me that the first man was wrong and that they were issuing me a check that was being mailed that day (1/12).

My GYN ordered a 3D Mammogram due to my medical history. I received a bill from Roper Radiologists stating that United Healthcare denied their services. I never even received from United Healthcare the EOB stating that it was denied and the reason for the denial. When I called United Healthcare and spoke with the customer service rep. Drew she stated, "We don't pay for them." When I questioned why she apparently was reading from a script that there is no proven scientific evidence to support them.

I cannot begin to tell you how many hours I have spent on the phone being passed around, put on hold, switch to other depts, and hung up on. Eventually, I filed an issue, and months later they claim to have no record of it. I filed it again, and received a letter saying they are not able to inform me about their findings due to peer review confidentiality requirements. In my opinion, the type of Health Insurance they provide does pose a serious public safety concern, because it seems they deny almost all claims and force to appeal everything, in such a way I think they deny in hopes that you will get tired of fighting and give up.

Employees would tell us and the insurance agent that procedures were covered under our policy, then never pay. Avoid this insurance company like the plague, they are the worst company I've ever dealt with.

United Healthcare is the worst option for health insurance. I should have picked Kaiser or any other option. They are supremely unhelpful and misled me into thinking that my son's doctors are within their network. It turns out that they are not and my son's health is in jeopardy because of the misinformation I received. I'm currently evaluating my legal options, but I will definitely pursue everything I can because they have ruined our lives.

We paid a higher premium to get a lower wait time on procedures. It took my dental office over an hour to confirm that I even had coverage because their online system stated that I was still in my waiting period (which I was not). After paying $500 into this company over a few short months they would not cover even 1 of the $900 procedure that I needed done (deep cleaning after removal of my braces). We had never even used our coverage with them.

Continually dropped me from plan, stating I did not qualify for medicare. I am 67 years old and have had the plan with them since I retired at 65. Continual run around, no one can think beyond their script.

I signed up with the UHC Advantage Plus Medicare Advantage in early December 2015. I was told there was no premium and no co-pay for in-network. I received a call everyday for one stupid thing or another. They tried to offer me a free home visit and claimed Medicare would not be charge. I received calls daily to the point of harassment. I asked them to stop calling me every day. They refuse. I finally asked to cancel membership. I would get transferred, put on hold and then hung-up on. This happened repeatedly. They refuse to cancel my membership. I just wanted the calls to stop. To get the calls to stop I had to call Medicare, enroll in a RX plan which would automatically cancel the United Plan.

United health care pulled 2 payments out of my bank account in 1 month, over drafting my account. When I called to ask them to put the money back they were very apologetic but said it would take a minimum of 8 days, even though they left me broke. After 10 days I called and they said they made a mistake and would have to re-open the ticket at which point it would take another 8 days. At this point by the time they return my money another payment will be due. I would be careful setting up automatic payments with this company.

I got Healthcare through the Market place for the 1st time this year. My agent processed the application with United Health Care on 12/15/2015. I have tried to log on United Health Web with my SS# and pay and it didn't recognize me or our policy. I have tried to make a payment by phone & the system doesn't recognize the policy member id that I key in.. It keeps stating other numbers that I didn't key into the phone. Finally on 1/10/2016 I was able to sign on with the Member Id. It shows our policy online... but wouldn't let me pay. So I called UHC and he said to call the Market place. So I called the Health Care Market Place and they showed our policy is active. She said that I should call UHC back and tell them that everything is good, and they had already applied premium to the UHC policy.

My doctor writes a prescription then United Health Care, who believes they know better than my doctor, modifies my prescription so that the pharmacy either gives me something else or won't give me more than a 30-day supply which ends up costing me more money. United Health Care is one of the WORST companies I have ever dealt with. They play GOD with my health they don't care. They screw me in ways that cost me more out of pocket expenses on top of my monthly health insurance cost. If you have a choice, FORGET United Health Care.

UHC denied a claim for a residential level of care with a patient with a history of stroke and seizures. The UHC physician denied the higher level of care without meeting with the patient. The safety of the patient with a history of TIA and seizures was determined by a physician hired by United Health Care without meeting with the patient for evaluation. I am concerned for the safety of patients who are being denied a level of care based on a review by a physician who has not met with the patient. This patient may be denied by a lower level of care due to the risk and liability of that risk. Insurance companies are profit oriented organizations but that should not put a patient with a serious medical condition at risk to have another stroke. My concern isn't a claim being denied due to that all claims paid diminish the profit of an insurance company. My concern is that due to profit, patients are at risk of being harmed.

Absolute worst customer service! Over 60 minute wait times then the line simply disconnects... They are doing this on purpose! Claims not being paid... Apparently UHC doesn't pay, and tells the provider I don't have insurance even when they have my correct ID # etc. I can't get bills resolved and I was paying around $380 a month (thanks Obama). I cancelled the service. I would stay far away. Can't wait until they go out of business.

AARP needs to revoke their advocacy for this appallingly bad health care provider. United Health Care's customer service makes Comcast look superlative. I was put on hold for 27 minutes, then when she came back with partial information, she realized she needed an address -- so I was back on hold for another 12 minutes (to get an address?) then I was cut off and put into the queue to begin all over. The next rep completely contradicted what the previous rep had told me, adding that they did not even have a rep by that name. The quality of their phones is so bad I could barely understand anyone. I have since switched my husband to a different carrier because I cannot support giving money to these complete incompetents. I hope they go out of business.

Every time I deal with the so called customer service I have a problem. The biggest thing is the poor language skills of the agents. It seems United will not hire people that English is their first language. If you ask for a supervisor you are either cut off or put on a very long hold. On one call I asked for a supervisor I was put on hold for 1/2 hour. After the wait a person got on the line and pretended to be the supervisor. I asked for his name and he refused to give it and when pushed he admitted he was not a supervisor. I was put back on hold then cut off. There seems to be no one that will take responsibility for the customer service department and apparently no quality control monitoring by supervision. I call today on a billing question and I was asked my name, after giving it I was told that was not the name on file. I have been handling all communications with United Heathcare for my wife for 6 years and my name was accepted but not now.

When I was working, I had UHC insurance, and it was fine. When I got eliminated, I got UHC through COBRA. When COBRA ran out, I signed up for a health care policy through UHC. Policy was effective 1/01/2016 and required a referral to see a specialist. Well; that makes any appointment you made with a specialist VOID unless you go get a referral, even if you made the appointment months earlier. Tried to call and got put on hold. Estimated wait time was 23 minutes. I hung on for 25 minutes and got disconnected. I'm not going to accept this level of service. Here's another good one. They have no online chat and no e-mail to express a grievance. You have to call customer service and wait until someone is available. I can be tolerant, but I'm not stupid. UHC just lost me as a "customer".

12/2/2015 - paid January 2016 premium of $160.83 with credit card (thinking I was being proactive for January). 12/30/2015 - got a letter saying United Health Care would be deducting January's premium on 1/4/16. I also called to verify that my January premium had been received, and cancelled automatic payments on my billing account (removed all bank info from account). I was told my customer service that I would not have January's premium deducted if I had already paid in full.

I had a preventative procedure done in 2014 which I had called United Health Care's number to make sure it was done in network and was told 80% of the costs would be covered under my plan. After having the procedure I received bills and later found out United Health Care paid only 50% of the costs. They claimed the procedure was done out of network. I called and talked with a United Health Care representative who confirmed that prior to having the procedure performed one of their representatives had told me that the procedure was in network and coveted for 80% of the costs. I went thru the appeals process and got nowhere. In the end I had to pay over $2000 more than I had expected.

I have been trying for days actually off and on for weeks to get through to United Health Care. Many times when I call I just get a recording saying they are extremely busy and then it hangs up. Just now I finally got through and they said my hold time was 29 minutes. I sat on hold for more than 29 minutes and then it disconnected me. When I try to call back I get the message that they are busy and disconnect me. I have never made a formal complaint about a company before but right now I am so mad at United Health Care. I pay over $1,300 a month for not the greatest health ins. for 3 people and I can't even get anyone to help me. I am cancelling my ins. with them this month and I would tell anyone and everyone I know not to buy insurance from them unless you want to be so frustrated you could scream!!!

Endless phone calls, long waits, with no definitive answer as to why I was billed after coverage was dropped, why my payment was not processed, or why my current coverage was listed as active to their phone representatives in some ways yet appeared inactive to providers. And, no answer as to how to move forward to clarify and enact coverage. Bounced repeatedly between well-meaning but undertrained representatives of the health exchange and United Healthcare, who all seemed to believe that the other entity was supposed to resolve the issue. FINALLY reached a supervisor at United Healthcare who resolved the issue in about 5 minutes (thank you!). But the gauntlet of clueless, undertrained people at the health exchange and United Healthcare I had to go through initially, who could not recognize a problem they could not address, was amazingly frustrating.

On 12/11/15, I injured my leg and by 12/15 it became very swollen and I visited my Family Dr. He did a culture and put me on antibiotics. Culture came back Staph and did not improve. On 12/22 he put me on a stronger antibiotic and told me to go to ER if it did not improve. On 12/26 visited ER and ER Dr drained the swelling and prescribed a different antibiotic and suggested I see an infectious disease specialist.

I've had UHC for a year now. I have a platinum family plan & one would think this would be good. I've had nothing but trouble with this company. Their customer service people are very pleasant on the phone but they don't solve any issues. The company is a bureaucratic mess. The system in which they have unskilled customer service representatives working in a joke. No one can really solve an issue once it gets into their system the wrong way, It's utterly frustrating. I'm seriously thinking about contacting the insurance commissioner in my state & see if I can lodge a complaint.

It is the worst company ever in this country. They will do anything not to pay their bills. And their premium is higher than other companies and their copays is higher. I cannot understand why Tricare signed a contract with them. They do not want to cover medication procedures or labs, they make the patient and doctor life hell. THEY are being SUED by SEVERAL STATES in this COUNTRY and STILL this government use them, they must have a connection or someone in their pocket.

On the phone, I was transferred 4 times to the wrong place. Called in 3 different times during the day. The first month was paid December 9th, 2015. Today, almost a month later we don't have cards and they have no clue what my membership number is. Worse service ever. If this is the trouble I have to go through to get my cards, I cannot imagine the hassle when we have a medical claim. Nobody has a clue and talking to a supervisor is impossible. I will be disputing the charge in my credit card and will go back to Blue Cross Blue Shield, they need a lot of improvement but this company is beyond help.

Was unable to login to setup account and choose PCP 7 weeks after paying premium of $820 per month, which prevented me from using any insurance benefits. Called them regularly, but they always blamed the system and said to wait longer. Asked for prorated refund for the time I was denied services and they refused. When asked to speak to supervisor, got answering machine, and the answering machine message stated that they were 90 days backlogged in responding to messages - I should wait 90 more days. REALLY?

To make a long story short and same complaint as others, going around in circles with (telemarketers) no one can seem to get a supervisor on the phone. Dr's offices saying that your policy is expired, cancelled, or closed when indeed you are looking at an online screen that shows that you ARE active and that you have paid. No one seems to have an answer but are all saying that they fixed the problem only for you to find out that it wasn't taken care of and no one seems to have any prior "notes" in the system. I'm becoming convinced that it is all a conspiracy on all of us. Of course through the Obama care. We were pretty much forced into taking on these "so called" insurance companies that are continuing to take our money and feeding us a line of BS in return.

In 2015, I called this company passable, believing it wasn't any worse than what else was out there. Our 2016 experience has been simply outrageous. The fact that we pay 32k a year for nothing, is sickening. We can't even get answers from anyone, only vague letters that need explaining. After paying 32k last year also, they have "lost" our records and don't recall our policy either. We will be cancelling this asap and never again using United Healthcare. Our pediatrician has also said they will be reviewing their relationship with them as well, as they are disgusted with the lack of professionalism and complete disregard for human healthcare.

I would like to thank United Health Care for providing such terrible customer service that it made my decision for which insurance company I should pick easy. I'm looking for plans through the healthcare marketplace and I had some questions about one of theirs that I was interested in. Called the number for United provided on the marketplace and I was transferred once and put on hold for over 50 minutes. When the rep answered he told me I had the wrong number and that they don't offer that specific plan anymore, but he had two others.

Never in my entire experience in dealing with Customer Service have I ever run into anything like this. Not only is there NO ONE that can assist/guide one, that is after a wait of at least 1 hour (if you have the patience that is to call daily) but if you are lucky enough to actually get through to a "live" person then you immediately start getting passed around from dept. to dept. (by the way none of the departments have access to the same database so no one person can look up information to assist you) only to arrive back at the general "Help" number and back at the end of the queue for assistance, and the wait continues or rather starts all over again.

United Healthcare took over Care Improvement Plus. I had ZERO copay, ZERO monthly charge. All of sudden, they are billing me monthly, and I have copays on my card. I am very alarmed. I have NEVER used the MEDICARE. Their service seems very poor. As many are saying, they just want to make a buck. Before they had advocates that called me and followed up on me. They made sure I was signed up to LiHeap and other services for the poor and elderly. NOW, I find that it is no longer, and I have to scramble to sign up for stuff myself. I am very nervous, very worried. They are RUTHLESS and I need to get rid of them right away! As I said, I NEVER used Medicare and am afraid to do so now with THESE guys!

I ask to speak to a supervisor 10 times, I was told that she is very busy and she will call me back in 24 hours. I need to get this issues fixed now. I have been on the phone for over an hour... I keep asking questions about how to view the old website.

I recently received a 1 year buyout from my employer. Along with the buyout I received one year of medical coverage. United Health Care deducts the premium from my account the first Tuesday of the month. I signed up for Medicare at age 65 which is required - Plan A, no premium, hospital coverage only. I semi-retired at age 68.

We have had UHCC for almost three years and aside from our $1,350+ monthly premium, we've been rather happy with it. Our daughter has type 1 diabetes, and they've been great covering a decent amount towards her insulin pump and continuous glucose monitor. We've also been pretty happy with the coverage of her prescriptions, namely insulin and glucometer test strips. Our daughter is on Novolog insulin, and a several months back, we received a letter asking us to consider a "less expensive" insulin, Humalog.

This insurance company puts profits before patients and truly does not care whatsoever about your well being as a customer. I believe they have such a bad reputation that they are now using the name Optum which is the same company. So if you can possibly avoid buying any insurance from them you will save yourself big headaches down the road. They deny benefits and claims and don't want to pay providers which is why it will more difficult to find services too.

Card indicates I have OptumRx. Mailed all scripts to mail order and pharmacy indicated I don't have mail order prescription coverage. I call UHC and they indicated my pharmacy in Arnold and I said that is an hour from my house. She said "okay use Dierbergs in Wentzville" and I call the pharmacist who called all my scripts over and filled for me and I go to pick up my card won't accept. I call UHC and they tell me try Target and Sam's club. I am what a joke. Target refuses to help me as they don't have a script to fill. Sam's helps and I got some meds filled but not all because some needed a pre-authorization now from the doctor???

Since March of 2015 I have called monthly to have a claim paid as I am on a Dual Complete Plan with United Health Care. I was assured that this claim would be paid. I have in network and out of network benefits at 100% as stated by the person who talked me into the plan and every representative I have spoken with since. My first visit to a doctor who was referred by a friend has still not been paid. After another Friday evening on the phone with them I was told I am not responsible for the balance but THE DOCTOR WILL NOT BE PAID. THEY WILL HAVE TO ACCEPT WHAT THEY ALREADY RECEIVED. They lied to me for 9 months and in turn had me tell the doctor that. Now I will not be able to return to this doctor as I am mortified by the fact that United Health Care did not pay this claim as they said they were going to.

I moved from Florida on 04/2015, sold my condo at Deerfield Beach after 20 years living there. Since this date I am living in Texas, and I got a job here and health insurance also. Yesterday, I received a letter from United Health Care to let me know I went to see doctors in Florida on 11/05/2015, Dr. R. **, claim #**, copay, $141.00 and on 11/11/2015, Dr. E. **, claim #**, copay $90.00 and claim #**, $12.00. I was so frustrated and mad with this scam. I don't have this health insurance since 2010, and they use the old ID number to claim a fraudulent bill on my behalf. I called the insurance they said is not a bill, but I need contact the doctors, could be by mistake the use my ID # to bill these claims. Why United keep active my ID# from 5 years ago just to someone still the number and process a claim!!!

I paid $800+ in insurance premium every month and they would not let me select the doctor from my area. They will assigned their own choice of doctor in a remote area and particularly one that would not provide good service. So naturally when it is matter of my kids health care, I went to local close by and good doctor for regular treatment. They would not approve the nominal doctor visit fee of $75. I requested them to change my preferred doctor who is within their network and accepts United Health Care insurance, but UHC would not do it and asked me to contact ObamaCare hotline to update the doctor on my insurance! It is a MESS, PLEASE LISTEN AND DO NOT NOT NOT Select UNITED HEALTH CARE Insurance even if they are willing to provide you the insurance for $10 a month. It is a waste of $10.

I wonder why the government still allows UHC to insure people when all they do is find all kinds of ways to keep people in pain. I have a root canal and I am in EXTREME pain, feeling like my mouth is on fire, not able to sleep or swallow, and not a single endodontist is willing to help me without an authorization from UHC. UHC REFUSES TO APPROVE AN AUTHORIZATION FOR AT LEAST ANOTHER TWO WEEKS!!! Is this a normal way to run a company?! Allowing people to suffer in pain all for some authorization that THEY TOLD ME I'M APPROVED FOR, all for the sake of the process? I strongly feel that anyone out there who is considering using UHC should definitely NOT use UHC if they want to be helped when they are in pain.

Average hold time for calling them in my experience is about 45 minutes. That alone sucks more than any consumer should have to deal with.

I have spent two days trying to get my dental plan updated for the 2016 year. Today I spent a large part of my day on the phone with these incompetents. I have specific questions that I need to ask a representative. I was transferred six times over the course of over three hours. Every time the representative would tell me that this was the wrong department and that they would transfer me to the correct department. Six times this is what I was told. They ran me around for over three hours. I have never encountered anything close to this level of incompetence.

This is to poorest excuse for an insurance company in the world. They fight every procedure and when you're sitting in doctor's office inform you that the in-office procedure is not approved. What is it we pay these scumbags for? If you sign up for their insurance you deserve what you get!

My husband is stage 4 lung cancer and has a tumor on his spine, unable to walk or sit. I got a hospital bed from an out of network provider because none of the in network providers could supply one. Now I have to appeal to get them to pay the claim. Now he needs a hoyer lift and I was sent to Apria for this equipment. They don't have them even though it was confirmed they would deliver today...? I called UHC and they gave me several names to check, most of which no longer exist and none in the network has this equipment. UHC is terrible. They are supposed to cater to the elderly and disabled under this plan. The tv commercials portray them as such a great company. Don't be fooled.

I have a chronic medical condition requiring one doctor visit per month for medication maintenance. Every month there are issues with this health insurance deciding that the medicine that I've been prescribed to take every night is not approved by insurance. They only approve 28 pills per month of an anti-psychotic medication. There is not a person in the world whose doctor prescribes them 28 pills a year for chronic conditions requiring daily medication. Every single month I struggle with getting maintenance medication for my condition while paying for this insurance through my employer. It is completely unethical for insurance companies to make people go through hoops to get meds for chronic psychiatric conditions. This is one complaint of many.

I had my annual check up with my doctor of 10 years. She performed a sonic of my neck arteries for any plaque build-up. The total amount of the billing for office visit and procedure was $1,150 of which UHC has to only pay $216. This was performed on September 16th and they are still reviewing. On my website it outlines entirely the procedure, shows processing and the amounts, as if they are going to pay. Now, four months later, it's being "reviewed by claims board". I was on the phone for over 45 minutes and my only question was "what are they reviewing?" What is it that needs to be reviewed? No answers. Hold, hold, hold to finally tell me that they will send an email to the "review team" and would contact me back. This is the most horrendous health insurance in the entire country. To think that this company is being promoted as a supplement to Medicare by AARP is beyond comprehension!!! Once I retire I will NOT sign up for anything with UHC.

United Healthcare is by far the worst insurance company I have had the misfortune of having a policy with. I joined UHC 3/2015. 6/2015 I had to go to a family physician due to illness. Had to go to pharmacy to fill prescription for antibiotics. Denied for prescription because our account was showing one month past due. (Keep in mind every month our bank showing a debit of 256.00 to UHC at least one week prior to due date). On hold for over 30 minutes at the pharmacy and finally was told "yes, we are so sorry your account is up to date. Accounting department has made a mistake." I was then told it would take up to 36 hours to fix the problem!!! 36 hours to fix what?! UHC told me they made a mistake, I am sick and need to fill a prescription.

I blacked out at work and ended up in the emergency room. Had several tests and seen my regular doctor who sent me to a spine specialist in the Twin Cities. Neurosurgeon found I have a bulged disk that is pinching my spinal cord and need surgery stat. I have this insurance through my job and it is the worst! My insurance said this has to go through review and it was submitted on 11/20/2015. I am in pain, cannot do anything and it still is not approved. When you pay for your insurance since when do they get to pick and chose what your doctor said you need. Please help!

I kept calling to find out why my account was not active and I was sending my payments in. I couldn't get access to my online account to find out the problem. Kept calling representative and was told to wait 5 to 10 business days and it should be back clear. I had this go on countless amount of times. Two months of not being able to access information. Not knowing if my payments were received. Wasn't getting statements of the amount of my premium cause of my tax credit changing periodically. It was like a roller coaster ride from one representative to the next. I was frustrated until I was in tears. I came to my last pushing point, when I could not be seen by the doctor, after waiting for a 2 month for the earliest appointment. My account with UHC was showing that my insurance was not active.

While I receive none of the benefits of signing on through the marketplace, the only plan that was somewhat within reason had to be purchased through the marketplace. I was under a time constraint to be signed up for coverage beginning Dec 2015 as my old coverage (Health Republic) decided to close down with little notice. I got an agent to help sign me up (no easy feat) and then followed the required steps of setting up a bank account for automatic payment. I received a confirmation number from I thought it was a United Healthcare Rep in billing that Dec was covered and I would be receiving my card and would have insurance effective December 1.

I needed a routine physical. Checked their database of in-network providers. Found one. Called customer service to verify provider was in-network. Customer service rep verified. Went to physical. Received $1,000 bill for said physical (a physical is preventative care and is covered 100% by my plan). United wouldn't cover because they said the provider was out of network. I showed them their database listed the provider as in-network and they also had a record of my verification call. They finally said it was their bad and a manager would have the claim paid. 8 months later, I continue to call every 2 weeks and talk to a manager who re-recognizes the error and says they'll have the claim paid in 3-5 business days. Claim is still not paid. If you have a choice, choose another insurance provider.

I have a big issue with this company. To be exact the marketplace United Health Care insurance PA state was enrolled from March 2015-September 2015. I finally cancelled out after being let down so many times. They drop you from the insurance if you dont make payment by the first. I had special enrollment and 90-day grace period to make payment and keep on being drop from insurance even when payment was made. They never notified you until you realize it. Once I called they put me back in knowing I paid but the emotional stress is too much and being pregnant needed monthly check ups. They cancel me three times. After that I was done.

I have AARP Medicare Complete United Health Care Secure Horizons plan. They denied coverage for the removal of a 10cm mass on my ovary. My oncologist wants to be able to remove the mass, biopsy it for cancer and if it is cancerous, remove tissue from surrounding areas, do biopsies and continue removing tissue until any cancerous tissue is removed. United Health Care denied coverage for surgery! I was told by a United Health Care representative that it was medically unnecessary! I am in pain and am not able to get out of bed without pain medication. I have been taking both Miralax and Dulcolax. Without them both, I am unable to have bowel movement.

Attention Ladies! My OB/GYN doctor ordered a 3D Mammogram for me due to my family risk of breast cancer. I had the scan and then later found out that UHC does not cover a portion of 3D scans. They say it is not covered because "this procedure is unproven" and are asking for "scientific evidence" that shows this service is effective. Well why would my doctor order a 3D over a regular mammogram if it was not more effective at showing early stage breast cancer? I'm stuck with the full bill; just trying to stay ahead of this awful disease. Thanks for nothing UHC.

I cannot express how terrible and awful this company is. They denied my son's insulin for his Type 1 diabetes which he needs to live. I pay $900 a month thru work for this worthless pile of crap they call insurance. They say he needs too much so they won't cover it, WTH??? You cannot tell a Type 1 diabetic who needs insulin to survive that he can only use a certain amount when he needs to have 1 unit of insulin for every 7 carbs he eats. What the hell is wrong with our health care system???

I'll keep it short. The single worst company I have ever done business with in any capacity. Just getting prescriptions filled is proving to be a near impossibility. My employer made the choice to move to UHC and they are so bad. I am considering changing employers just to move away from this disaster of a healthcare provider. If you have any option other than UHC choose it.

I signed up for United health care in April 2015 and have had hell ever since. I am on an automated payment system but I constantly get invoices saying I have not paid. Today I went to pick up a prescription and was told it was denied for nonpayment. How could that be? It is on automated payment and I have overdraft so it cannot get denied. I can't take my payment because it is Saturday and when I called them no answer. I can't call on Monday because I have to work. I can't afford to stay home for an hour and sort thru all the ignorant representatives who don't know anything, getting transferred from one person to another... then getting cut off just to have to call again!! I don't have time for that! I have a new job! Also cannot call from work for the same reasons.

I have United Healthcare Platinum Compass 250 health insurance, purchased through the marketplace myself. I was recently made aware that only the Compass insurance products (the coverage purchased through the marketplace) have changed their referral policy so that doctors must go through a much more tedious and extensive process to make a referral for a customer to get required and much needed healthcare from a specialist. Apparently this new policy requires the doctor to submit referrals via online only, but United Healthcare will not help them set up the proper account, the doctors now need to do this.

I am 61 year old female who was deemed permanently disabled in 2008 after a Dr. gave me an injection in my back that was contaminated. I ended up with a thoracic laminectomy and severe nerve damage. I have had UHC as a co-insurance to my Medicare disability. UHC has increased my insurance premium 10% every year. I just received my January 2016 increase which brings my monthly premium from $530.00 to $582.62.

I have had a United Health Care Policy since Jan.1, 2015. Purchased this on the Healthcare.gov site with no subsidy from the Federal government. Just over $900 per month. They have been impossible to deal with since day one. We have an HMO from them and we need a referral for other doctors. They contacted my wife's doctor one day prior to a schedule surgery to advise they needed more information before they would pay for the surgery. This is after they had all of the information for 2 months prior to the surgery date. This company absolutely sucks. Avoid at all cost!!!

DISGUSTED in you guys. Have 2 friends who are currently being denied coverage. One has cancer and the other has had a fractured hip since April and surgery still not scheduled. One of these friends is a RN and I am a RN of over 30 yrs. DISGUSTED!!! You guys should be ASHAMED of yourselves. STOP denying coverage that people have paid for!

I had united health care for about a year before I finally had enough. Every time I tried contacting them I spent at least an hour on the phone with them and most of it was on hold. I had spoke to a representative there and I asked for some information on what facilities around me are compatible with this insurance and I was given a few locations. During this process the person I was talking to was not professional at all. What so ever. At one point, he laughed at some of the questions I asked to top it off. I did get upset and asked him to tell me what I need to know and not to laugh at me and that I'm calling you to ask for help on where I can go to take care of my issue! Nevertheless.

DO NOT PAY UNITED HEALTHCARE IN ADVANCE cause you will NEVER EVER GET A REFUND! I paid United Healthcare a month ahead... then called before the billing cycle for next month began & cancelled my policy. Instead of cancelling my policy they re-instated my policy for 16 days so they could prorate some of the premiums I had paid! Never got my full refund!!!

My wife and I bought Health One Dental Insurance. The cost for us is a little over $80/month. The max yearly payout is $1000, but you have to pay in for a year before they even cover any major dental work. Our plan was supposed to pay 50% for major dental work, but that is 50% of what they allow for a particular procedure. I needed a crown, and my dentist was charging $1100 for this, but they only allowed $598, so they only reimbursed 50% of $598, or $299, so I had to come out of pocket for over $800. This is truly a major Rip Off! I would have been much better putting that $80+ in a savings account, and just paid my dental costs on my own. DON'T BUT THIS RIP OFF DENTAL INSURANCE!!!

I have been a member since January 2015 and have been unable to see a doctor. I was paid almost $500.00 per month, Jan. to Aug. total $4,000 then the premium change to $78.00 but still every doctor I called said they was no longer in their network.

I had a procedure done out of network on August 25. The surgeon is well-known so he has a reputation to protect and uphold. He has a dedicated staff member to help patients with insurance reimbursement. My claim was submitted to UHC on September 8 electronically. I phoned UHC to inquire about the status of my claim on September 18. They said they had no claim for me. I quickly called my surgeon/provider's office and the woman in charge, who had already submitted the claim once, got on a call with them and re-sent the claim via fax. UHC suggested it would expedite matters rather than sending it via snail mail. I called again, they had difficulty finding the fax but finally did. They said it would take 30 days or less to process the claim... A $12,795 which I paid out of pocket.

I have Silver Compass with United Health. I pay $338 month with a $1600 in network deductible. I cannot go to a doctor because every time I try, the doctors say they don't take new patients. With this plan I was told my GYN took the insurance. Now United has an annual visit claim to pay and they are refusing stating she is not I. Their system. I even had the Governors office verify that she was in network when I got the plan. They are taking my money and I cannot get medical care. Why is this legal???

I have been trying for three weeks to get the copay corrected on medication that I have to take daily for the rest of my life. Thank God it's not life sustaining or else I'd be dead. The problem is simple (at least it seems to me) the drug is erroneously listed as a tier 3 when it's actually a tier 2 medication and while everyone at MD-IPA agrees, they can't seem to get it corrected in their system. The first time I called they said it would be corrected in 10 days. When I followed up they said the initial action had not been taken and it would now take three days for them to submit a reversal form. When I called again to follow up they told me the same thing, an additional three days. My last contact with them they said "another" problem had been fixed, but not the copay problem. What other problem was there that's the only reason I'd called? So now guess what, another three days. The saga continues. Meanwhile, I'm still without my medicine.

WHYYYY do I continue to be billed for services rendered at the doctors office every time I go??? They never pay any of the doctor bills even for the physicians in their network... It has to be a law against this or something... They can't possibly keep getting away with holding customers benefits and still receive premiums... I miss my BCBS. If Blue Cross premiums didn't cost so much I'd drop UHC so fast it'd make their head spin.

In 2011 we purchased my wife a Medicare Advantage Platinum dental plan. We paid the premiums on time every month. To that end...no problems. Things went abruptly south last spring when my wife lost a tooth. We referred to UHC's provider list in our town (pop. c. 500,000). Although the list was several pages, no provider would accept the plan (some were dead or retired!). After having written 2 letters to UHC & having contacted the AZ State Insurance Commission, we did receive a response from a rep named "Gwen", who said she wanted to "research the problem". Gwen actually did call my wife once/week for several weeks to report her lack of progress. Those calls ended a month ago. At this point we are considering filing suit to retrieve our premiums.

Had UHC since March of 2015. My coverage was supposed to start as of January 2015, but didn't due to an error on their behalf. Needless to say my initial impression of UHC wasn't the best to begin with. My plan I pay for is supposed to be top-notch, only a $15 co-pay, low deductible. I have paid EVERY month, if not on time, then only a week late. Throughout this year I have tried to go to the pharmacy to pick up my medication and I have been told on at least 3 different occasions that I was cut off due to non-payment. I now have outstanding bills with my physicians because UHC has not paid anything, I have 0 coverage. I have called in if not every month, then every other month because I keep being cut off without any explanation and without warning.

I became a member of United Healthcare in January of 2015. At the time, I signed up online to have my premium payments automatically paid on the first of each month (when due). Their website is SO screwed up, the payment has never been automatically deducted from my checking account. I have called the customer service department multiple times every month and would get the same answers: insincere apologies, empty promises and worthless reassurances that it will work next month. After 11 months, it still does not work.

I went online to make my October 2015 premium payment on Sept. 28. On Sept. 29, I received an email stating that my account would be automatically drafted on Oct. 1 for my October premium. I called United Healthcare immediately and advised that I had already made payment. I was "informed" that I had set my account up to have my payments auto-drafted. I informed the customer service rep that I had NOT! I was told to go back and remove the banking info in order to have the draft stopped and there would be no problem. I did as instructed. On Oct. 1, my account was drafted by United Healthcare anyway. I called and demanded a refund. I was asked if I would rather have the funds applied to my November premiums and I said NO. I wanted my money put back into my account. I was told it would take up to 21 days. I said that was fine and once I received the funds, I would make my November premium payment.

My wife is suffering from Stage 4 Breast Cancer. At every step of the way, she and her doctors have had to fight with United Health Care in order to receive every diagnostic test and every medication. Everything, absolutely everything is denied at first. Then the doctor has to get involved directly with UHC. Every medication refill, including her chemo, is denied until hours are spent on the phone between Dr's, the pharmacy, and my wife. My wife is fighting for her life, she shouldn't have to be fighting with UHC for the treatment her Dr is prescribing. In dealing with UHC, they will always proudly state that they have complied with every request from my wife's Drs. What they leave out is the prolonged, and unnecessary battle between them, the Dr, and my wife.

I've had United since 01/15 through my employer with previously being on LA women's Medicaid program. I'm 32 years old without any health problems except for mental health issues of which I take one medication. I never had any problems while being on Medicaid and I was able to see a therapist for free and pay a $10 copay for my Rx. Needless to say I was grateful to have insurance and not have to rely on the state. Well, I'll lose my coverage by next year because I am now a part-time employee again so I decided to schedule a doctor appointment. I had been trying to change my PCP online for months but kept getting an error message and I just forgot about trying to resolve the problem and to just go with the assigned PCP.

I lost my left hand in a bad accident, it was my fault. Ok I have United Healthcare. Number 1, the insurance company will not even pay for my amputee socks. Number 2, I worked so hard, made so many trips to the prosthetic company, getting used to my new robotic hand. Now United Healthcare want pay for the hand. I get thru with 1 appeal United will appeal again and again. This year has been a nightmare trying to get this 39 cent company to pay something. Just a very terrible company to deal with.

I have had UHC for a year. My wife and I pay a total of 1061.00 per month for coverage. I have attempted to use my insurance maybe 5 times this year and have paid all the bills for about $3,000.00 for a total annual outlay of $15,000.00 after tax or over $20,000.00 pre-tax dollars of income. I have literally not received any benefit from them. Yesterday, they debited my account for 2 times the premium without notice or reason. I am tempted to have someone arrested for grand larceny if I thought it would not consume the rest of my life to fight this BS. UHC are government authorized monkeys and thieves. Enough said.

My wife and I bought a Medicare supplement insurance policy, for my wife, age 65, from United Healthcare salesperson, Arturo ** (**). We had one condition for when selecting an insurance plan, the plan had to include Doctors Mary ** and Amir ** and the SE Hermann-Memorial hospital, and the insurance plan provided to us does not include our Doctors of choice. Mr. ** will not return our calls, and we are lost as what to do. We need to cancel the insurance plan from Care Improvement Plus. My wife has coverage from Medicare A&B, and Aetna insurance as primary. Can you help? Best regards.

The first few years being with United Health Care through AARP as a Medicare supplement, I had no problems whatsoever. The problems started just this year - in fact, this month. I am so disgusted with them, I would tell everyone I know not to deal with these people. Recently, I moved from Wisconsin to California, to be near my son and his family. I let everyone know I was moving and changed my address with those companies that I needed to alert, including United Healthcare. Actually, with them, I was required to call, which I did, and thought I was all caught up. I moved here on September 24, and when I went to get my first prescription filled here at Walgreens like I always do, I was told by the pharmacy worker that my insurance was cancelled. "What do you mean, cancelled?" I barked at the fellow in the window. He told me that on his computer, it said that my policy was cancelled.

My work switched to UHC from Blue Cross in June 2015. BCBS was increasing their rates, and my employers thought they were getting a better deal from UHC. UHC representatives came in, touted themselves as providing better care than BCBS. They said that none of us would have to change providers. They said we may have issues with a few prescriptions, but to just work through it and everything would be okay. I am 26 years old, and in fair health. Shortly after we switched companies, I developed my first case of vertigo. The doctor prescribed meclizine, which UHC denied. Whatever, it's $15, so I just paid cash.

Enrolled in U.H. Care Medicare Advantage PPO plan this year 2015. My husband recently retired, he enrolled also. Everything went smoothly, U.H. Care approved both of us. I have my plan and he has his. Husband canceled his former Empire Blue Cross Blue Shield from job. We are no longer in their computer system. Went to my primary doctor, filled one subscription, everything went smoothly and was paid. Had thyroid ultrasound then orthopedic specialist for frozen shoulder. Specialist doctor gets flak from U.H. Care, they won't pay because they said I have another insurance plan that is primary, Well Point. We never heard of this.

I am fully paid with my insurance United Health Care. They 1/2 way thru my plan change and force me to use OptumRx. Well I call they tell me I can't use my card from Lyrica which saves me $60 per month x 12 is $720 per year off my copay. I am then told I am getting charged for one copay $85 3 times as one mail of 90 day supply for 1-3 month supply. How is that fair 1 transaction 3 times the price. Well I proceed to the ripoff and to pay.

I have been very disappointed with my health insurance policy. I pay $589.00 per month for a policy just for myself and each experience gets worse and worse! My most current complaint is about medications. I was prescribed a fairly common medication and United Health Care declined it. I was then prescribed the generic form and it was approved for 1 month. When I went to pick up my refill the following month, my cost was $112.00 versus $12.00 for the prior refill because it was declined.

I have been a member of the subject insurance company since 2008. I have Plan F and it has covered all my major expenses with cancer surgery, chemo and radiation treatments and many visits to physicians. I am very pleased with the service and coverage. The monthly premium for '16 will be $271 with no deductibles or copays. I also use this company for their Part D RX plan which currently costs about $54 monthly.

Choosing this company for 2015 was one of the biggest mistakes of my life. They are slow to pay claims. Some claims are only partially paid even though the doctor / medical office is in network. They deny almost all DME claims. I went through a series sleep study tests. Was found to have severe sleep apnea. They approved a CPAP machine only to deny it after a month. I was told I had to appeal. I appealed but had to return the machine or pay the company over $3000 cash. The appeal was denied because I returned the machine. In other words no way to ever get a CPAP machine without paying thousands. Also took 5 months to refund a double payment they took out of my account in April 2015. One of the worst things is how hated this insurance company is by the physicians' offices. Many have personally suggested I don't renew with them. Sign up with them at your own risk.

I have been with UHC for about 4 years. In that time they have made me change my doctors, and now they tell me they will no longer cover my insulin because it is too expensive. My doctors know what they are prescribing and what I need to take. Why should an insurance company that I pay be allowed to dictate what medications I take? I just wonder if AARP knows what is going on with a company that uses their name.

I have been a member of this plan for 10 months. In this time period my benefits have been canceled twice. The reason for these cancellations has been for lack of premium payment. The problem with that was that the payments were in fact made and in a timely manner (first week of every month). Second I would only find out when I'm attempting to fill a prescription. Low and behold the clerk tells me that my premium hasn't been paid. The first time I was very worried and called my company to verify that the payments were being made. I was then given the information of when each check was paid to United Health Care.

I have been needing a crown for well over 2 years. I started the process over 2 years ago but my husband had only been at his new job for a few months and told I would need to wait a full calendar year for major work, but once the year was up, it would be covered. So we sent in the claim and it was denied saying I didn't actually need the crown. Fast forward and know that we have sent the information in 6 or 7 times and it has been denied over and over. Sometimes, they say the x-ray isn't clear enough. Sometimes it isn't dated or mounted properly. We have filled the tooth twice in the last year. They have paid $250 combined on the fillings, but wouldn't pay $500 for a crown. Today the tooth broke off. Crumbled is more like it. And I am walking around with a broken tooth waiting and hoping that they finally approve it. Stay away from this insurance company if you can.

Does not send bills or emails reminder. Need to send bills or emails like other company to remind us with dementia to pay without giving up account number to be hacked and stolen from another big company. Just send bill or email reminder. They can send cancellation letter but no bill or reminder. What happened to customer service?

I didn't experience problems with United Healthcare Insurance until I moved to Lynwood IL. Before leaving Wisconsin, I transfer my coverage to IL about three years ago. I met with the representative, who came to my home to assist me through the process. The professional representative help me to picked a network providers. My disability requires on going treatment. United Healthcare provided a nurse visit to make sure my medication were taken correctly. Two years & $30,000 later, I learned they paid less than 10% of my doctor visits. I appeal their decision but don't get a response. I pay medicare and co-pay to the doctor's. I have medical collections office that will take me 30 years or more to pay, plus I have to pay cash to see any doctor. Now I am out of money and living in pain. I don't know where to turn. United Health has really destroyed me financially and medically.

I have been with United Health Care for more than 20 years now. I pay them $300.00 a week. $15k a year and have never had a benefit approved. At this time I have a lump that is growing in size and now is the size of a softball. I have been to my doctor and he needs an MRI to diagnose, NOT APPROVED! So, there is Nothing that can be done. There are no dentists within a 100 mile radius that will accept UHC and accepting new patients. When I have to see a doctor for anything it is actually cheaper to tell them that I do not have insurance than to disclose UHC. There are always two prices, one for people with insurance and another for people without. Doesn't that prove that ins co is being ripped off at our expense? Their customer service is not helpful. Where do you go for help?

My family is on their 3rd experience with United Health Care as an employment benefits provider. Each time our experience gets decidedly worse. I am the Father of a severely disabled young teenager. He does not, walk, talk and suffers from a seizure disorder; thus is 100% dependent on assistance. This is not a new condition. He was born with these limitations. We have claims from time to time to get him durable medical equipment for use such as a wheelchair, among other things. UHC has denied such claims by stating "they are considered as Personal care, comfort or convenience." Let me restate, he does not walk and is a 5'4" 100# teenager and growing.

My PCP ordered MRI and United Healthcare refused it. It took an appeal and more than 10 phone calls and was bounced around from one department to another. Endured severe pain for more than a month. And finally, some had mercy and approved it. For the last several months, I received a letter stating that I have a 2 month balance due. There has been no missing payment because they withdraw premium from my checking account, usually within the first few days of the month.

United Healthcare EPO is terrible. I wasn't able to see my doctor that I had been seeing for 25 yrs. Instead they sent me to a ghetto doctors office that had torn chairs, filthy torn exam tables & the fill in doctor was sucking on a lollipop during my consultation and exam. Can't wait to change insurance companies on November 1st enrollment 2015.

Please heed this advice. Do not under ANY circumstances enrol in this healthcare plan. Just today I went to get a script filled for a medication I have been taking for 5 yrs. I take it 3 times a day. There is danger if I suddenly stop taking it. So, I go to get filled and it is rejected because UHC says I missed a premium. I call UHC, tell them my premium is taken out of my account automatically, and my bank records show it has already been taken out for this month. They admit mistake is theirs, tell me they will have it fixed between 3-24 hrs.

My dear mother was given three weeks to live. I took her home from the hospital which only gave her codeine patches and this company refused to pay for the patches. They put my poor sick mother on hold for hours (we have phones records) from one department to another department! They knew my mom was old. They knew she was sick and they treated her with no respect!!! What a shame!!! Worst company ever!!! It's like being on welfare!

UHC was so bad about paying claims I had to go through a lawyer in S.H.I.P. in AL. Suggest anyone having issues with them saying doctors and/or clinics are "out of network" do the same, as every state has a legal team in SHIP. I will be switching to another insurer on the first day I'm allowed.

I got the most expensive insurance that United Healthcare offers and I needed a CT scan on my back because my leg is going numb and it hurts so bad that I can barely walk. United Healthcare denied my CT scan so now I cannot have any kind of treatment! I have been paying $600.00 a month for my coverage and this is what I get. Run from United Healthcare - they don't care about you!!!

In July 2015, I was set up with an individual health plan with UnitedHealthcare through an independent company here Indiana called Crosspointe Insurance Advisors. I was assured this was the plan for my needs, budget, etc. What a headache dealing with UnitedHealthcare has been already!! I wish I had looked up reviews on them before committing to my health plan. My insurance started on Aug. 1 -- but I did not receive my ID cards until late August. Numerous customers (including myself) were sent incorrect monthly bills in mid-September saying that UHC didn't receive our payment for Sept's premium and we now owed double. When I called UHC, they said this was an error. I went ahead and paid October's premium over the phone then.

United Health Care (UHC) repeatedly loses my payments. They are sent by Electronic Funds Transfer (EFT). I sent them proof of payment but they still can't fix their problem. They acknowledge they have a problem but after 5 months they can't fix it. As a result they stop approving claims. They tell providers I have not paid. I find it hard to believe they cannot resolve receiving payments electronically from a major bank. If they would work hard at anything it would be getting cash in the door. I wonder if they are purposely trying to aggravate customers with a lot of claims so they go away to another insurer or lose coverage. Or maybe they are using outsourced vendors to do all their call center or IT work as some health insurers do – and maybe it is offshore vendors – and they are ** worthless.

I work in a doctor's office in billing and am shocked at the company's strategies to not pay providers. The employees deny almost all hospital charges forcing us to appeal with documentation. There was actually a very sick patient whom they denied payment stating that the charge did not reflect the patient's level of care. It was the LOWEST possible billable code!!!!! I think they deny in hopes that we will get tired of fighting and give up. By the way, look up the CEO's Salary!!! In the millions!!!!!

I've had United Health Care since 01/15. Everything was ok until 06/15 when my premium jumped from $281.00 monthly to $776.00. However that was due to the market place removing my tax credit. The tax credit of 516.00 has since been readded to my account. However United Health Care has failed to update their system and keeps telling me I owe them 776 or sometimes up to a thousand dollars or more. Since the entire tax credit screw up, I have faithfully paid the full amount for my insurance EVERY MONTH and every month I call to find out my balance after I have paid the representatives tell me I am paid up. Now this month's payment has jumped back up to 776.00. I've checked my payment history and all the payments are saying PROCESSED except for 2 which are saying SUBMITTED. On their system they say that processed means that the payment has been sent usefully however submitted means it hasn't been sent.

I have been a member of United Health Care since May 2015. I went to pick up one of my September meds and was told that I voluntarily canceled my policy. I called the office and was told that that was wrong information. A few days later I was able to pick up the rest under the insurance. However, on September the same pharmacy (Wal-Mart of Route 60, Vero Beach, Florida) told me my insurance had been canceled for nonpayments. I called the insurance again and was put on to a representative who told me I was canceled in July because I'm not a U.S. citizen.

I've gone in circles with UHC for the past month attempting to find a specific type of therapist in network in my large metro area. Apparently there are none but UHC continues to give me the names of two therapists, along with contact numbers, who do not exist. I've called the numbers (provided by UHC) for these supposed therapists, and the health care group on the phone tells me that these therapists are not employed by them. Furthermore, I can't even find these therapists on the Internet; it's like they simply don't exist. I got tired of calling UHC on the phone multiple times, so I finally sent an email, thinking that perhaps things might be more clear in writing.

I have been paying my premiums every month. When my daughter went to get her prescription filled in the beginning of August, she was told that United Healthcare put a hold on my account. I called them and they said part of June and all of July were not paid. I was told by the pharmacy that the same thing happened to another woman with UHC. I sent the insurance company copies of the cancelled checks which they denied receiving. My premium payment is $132.12 and I was billed for $309.24 & $132.12. If the $132.12 was covering July's payment, where does the $309.24 come from? I contacted my lawyer because 3 to 5 business days for a response turned into 2 months. My lawyer and I were holding on a three-way call with UHC waiting for them to find a supervisor, when after 45 minutes of holding, they hung up on us.

I have no idea what's going on... Through my work I have United Health Care along with an HRA. My employer initially provided $300 in my HRA but I get more depending on how many hours I work. First off, they back charged me like 3 months. My employer tried very hard to get my money back for those three months but due to an error on their part, which WAS explained to them, they refused to give me my money back so now I had been covered through November of 2014. I had health claims during that time but they had been paid off by a previous insurance.

I paid my premium for the month of September on August 27. The day after I paid them the premium, I switched health insurance companies. I called back the very next day after paying, to request a refund. I have been waiting one whole month, to the day, for this refund money. They processed the payment. It was taken out of my bank account literally the second I hit the submit payment button on the keyboard, but to get this money back in my account is merely impossible. I have called on several occasions, spoke to supervisors, and each time I call, I get a different excuse as to why the refund hasn't been processed. I am still waiting on a supervisor to call me back from my phone call today.

A neurosurgeon in United Healthcare's network informed me I needed surgery due to a herniated disc. I'm experiencing pain equal to and sometimes greater than labor pains, but in the thigh area. An MRI was done along with x rays to support the diagnosis, however I was denied the surgery. My surgeon informed me I had been denied, not United Healthcare. I called them and was told I could appeal however it could take up to 30 days for a response. I'm on all types of prescription drugs, still in agonizing pain. United has not given me any alternatives. They could care less about how much pain I'm experiencing and how it's affected my life. This insurance provider is the worst I've experienced in my lifetime.

I have been with UHC since February this year. As an independent contractor I have to pay my own insurance premiums at nearly $700 per month for an individual. I had knee surgery in May and have been recently diagnosed with Glaucoma. After locating a primary care doctor (I had a referral sent to each doctor), UHC help desk in the Philippines says you can see a single doctor 6 times in a 3 month period, which I haven't even seen these doctors, but 3 times each but my claims are not being paid and now my doctors cannot see me unless I pay out of pocket.

I made a phone call to Customer Service at United Healthcare to get the names of some In Network doctors I could go to for a "wellness" visit - that is a physical exam, a mammogram and a shingles vaccine. My UHC insurance is supposed to cover 100% of wellness claims. The Customer service rep. gave me the name of the University of Wisconsin Health system as In Network.

I have so many problems with United Healthcare I cant possibly list them all, but here are a few: We purchased platinum compass PPO 250 at a cost of $1200 per month for our family, Dec 2014. At time of purchase they listed Banner Health doctors as in the plan. By Jan 2015 no Banner Doctors were accepting United Health Care. Thinking I purchased a PPO, we tried to find another primary care doctor for each of our family members. Finally did but was hard to find decent doctors in the plan.

We are a provider for this product and it is impossible to get help beyond the minimum. I tried calling their helpline (877) 842-3210 which put me in a redundant loop of automated responses which did not help. I finally got a "customer service rep" who did not speak English and was not authorized to answer my question. She told me she would transfer me and when I requested the telephone number she was transferring me to she gave me the telephone number that I had dialed! I said that that would not help me and she transferred me right back into the loop! I had already gone on the website to verify benefits which did not suffice, thus the reason for my call. This is just unacceptable for a company that wants to do business. I would not recommend this company to anyone because it seems that their main business is to frustrate rather than serve.

In the 27 years I've worked in billing, UnitedHealthcare makes the most mistakes when processing claims. This is frustrating for both the member and the provider. Frequently claims are processed as "out of network" and a deductible or penalty will be applied when the provider is in network and has been for year, such as the physical therapy clinic I work for. Also, they outsource their provider services department overseas and I am put on hold many times, sometimes end up getting disconnected while on hold and have to call back again.

One thing doesn't change: the TRICARE benefit. TRICARE remains committed to providing the best possible health care for the 9.7 million military members, retirees and their families that use the benefit. On April 1, 2013, United Health Care Military & Veterans replaced TriWest Healthcare Alliance as the TRICARE West Region health care contractor. In other words, they lost the bid and TriWest Healthcare Alliance lost their contract.

I have been extremely dissatisfied with United Healthcare Student Resources. They go out of their way to delay payment of claims or avoid payment entirely. When using an out of network provider, they are now requesting (in addition to the claim being submitted) for payment showing that the doctor has been paid in full. One must also show proof of payment (that is a canceled check showing the doctor has received the payment and deposited the check into his/her account). In other words, one must wait until the doctor has deposited your funds before even beginning the claims process. What is the reason for this?

This insurance company is by far the worst our office has ever dealt with! They reject claims multiple times for reasons that are unclear to even seasoned professionals. If you fix a claim and resubmit it, they just reject it again for another reason, not just once or twice but multiple times. It's no wonder Drs' offices are dropping out of it!

Awful experience with this insurance company. I received the payment letter and it said that I have unpaid bills but my bank show all my MONEY is being taken by this insurance company. This is completely ridiculous.

In March husband signed up with United Health Care, $247.74 a month for insurance. I was then laid off in March, so we cancelled this so called affordable insurance. Today, Sep 17, 2015, we received a bill from United Health Care, $1,522.18. Mind you in the last couple of months we haven't received any bills. I called market place today, and the Lady couldn't discuss this with me because I'm not on the account. Anyways I said, "On the back of the bill it says, Your premium payment for each month is due on or before the first day of each month. If we do not receive your premium payment by the end of the grace period, your coverage will end."

United HealthCare community plan. The WORST health care provider ever! What's the point of making a health plan where 9 out 10 places won't accept?! Changing my health care.

I've had United Health Care through my employer for about three weeks. My wife is on several medications and every single one is requiring pre authorizations. She is suffering greatly from severe nausea and we've been waiting to get authorization. The medication has been ready at the pharmacy for three days now, but we're still waiting on UHC to authorize it. I'm just going to have to pick it up and pay cash for it today. This is by far the worst insurance I've ever had, and so far we've only dealt with prescriptions. I hope that none of us become severely ill or injured as we'd be worse off than if we were uninsured.

I was going to an endocrinologist for the better part of 3 years to positive results with my type 1 diabetes. At mid-2014, I went to schedule an appointment and was informed that the provider would no longer be accepting UHC. At that point I began looking for a new physician, only to find that the majority in my area were not accepting the coverage because of the hassle of trying to get paid by UHC. After successfully finding a provider, I assumed my issues were done. Fast forward to now (9/15), and I am looking for a psychiatrist for my wife to see. All but one refused to take her as a new patient because of our insurance company. What is UHC doing to make providers stop accepting their coverage?

I've had united healthcare insurance through my husband's job and I got pregnant around april and I went to my doctors appts the first 2-3 months. When I was getting ready to go to my appt my doctor called and told me my insurance had been terminated. I called the insurance company and they told me that they had terminated my coverage because I never sent the paperwork saying I was actually married to my husband but they never sent us any paperwork and when I told them and asked them to send us the paperwork again they told me it was too late and there was nothing they could do. I am 6 months pregnant and I haven't been able to see a doctor because they left me high and dry. I tried applying to other insurances but I didn't qualify and now I don't know what to do.

This company routinely delays payment to pre-authorized claims for longer than two months. Also denies claims with ridiculous reasons like not accepting electronic claims and requesting paper records, then claiming they are not receiving them or they are not good quality. It is a ploy to hold on to the money in which the only person hurt is the consumer (patient). If I could find a regulatory board that would hear my complaint, I would file one.

We had absolutely awful experience with UnitedHealthcare HMO.

I have insurance through the Marketplace. I started last year with BC/BS and had no problems. This year I switched to United Health Care because it was less expensive but I found out the hard way, you get what you pay for. I paid my payments online from January through April always on time, generally I would pay them early. I paid my May payment at the end of April as usual but when I went to pay my June bill at the end of May I saw that showed that I did not receive a tax credit for May so I called the Marketplace to find out why. They told me that they needed more documentation regarding my annual salary. They said that they would inform United Health Care that I was still eligible for the tax credit as long as I got the additional required documentation to them by August. I sent the required documentation immediately on May 22nd, 2015 so I wouldn't lose any coverage.

Was told when I selected the plan there were co-pays. I was paying $40.00 specialist co-pay then started getting bill for a 20%. So what happened to my co-pay?

I went to the Dentist in January of 2015. I gave them my insurance information. I know I was out of network but all I had done was a cleaning and x-rays. In March 2015, I received a letter of denial from United Health Care with an explanation that I had no coverage which was totally untrue. I called them and asked what was going on? I was then told that the claim had been sent to Salt Lake City, Utah. They informed me it should have gone to Milwaukee, Wi. I got a copy of the claim form and mailed it myself to the correct address.

I purchased UHC via Marketplace to cancel out my work insurance but when I found out that my job would not cancel my insurance I had to cancel the UHC. I took every step to make sure this was done properly. I purchased the plan via Market Place on 02/27/15 and canceled on 03/03. They told me that it would take 14 days for it to show up canceled and then I would receive my refund. Well 7 months, lots of phone calls, lies and many hours put in over the phone later and I have yet to receive my refund.

For a month I haven't had any insurance. They said I didn't make my payments for the months of July or August. The problem with that is I paid two months at a time. I paid for August when I made July's payment. I went to the pharmacy to get my medicine and couldn't. That's how it started out. So for the last 3 or so weeks I've talked to at least five or more people that work there. They all say the same thing at first. They tell me that I owe for those two months. When I tell them that's not possible they say "can you hold on and let me look a little bit more?" Upon looking, they eventually find out my insurance is paid. They tell me they will fix it, but never do. After about 3 or 4 people done this, they put me through billing. Billing said they would have it fixed in three hours, and go back to get my medicine. I couldn't go back that day, because I had to go to school, so I had to wait until my pharmacy opened on Monday.

Had to have hernia surgery. Had trouble finding prefer service surgeons. I requested help from UHC. They found surgeon and hospital a hour away. I agreed to their location and surgeon. 6 months later claim denied. Done out of preferred service provider. Long holds on phone with hard to understand operators.

United Health Care has a third party called House Calls calling my mom for her to enroll. She said "no thank you." So they now are harassing her with calls and letters, to get her to accept. High-pressure sales for medical house call? This is wrong.

I had put my credit card info into the Gov. Health exchange website for auto payments to UHC. UHC had a "glitch", said I am overdue and they dropped me. I hurried to their website, put in my credit card info again and they took the money. Two months later they said I was dropped. But they had put me on another plan of theirs. This made my deductible for my son restart! Now I am getting $500+ bills from an audit company of theirs saying I owe them! I think this company is crooked and taking advantage. I feel they will bombard you with hoops to jump through until you just give up!

My ENT sent a referral to see a allergist. Little did I know that when the allergist sent in the claim they didn't realize they needed to get the referral from my PCP instead of the ENT (their mistake). I couldn't believe it. With my plan, you need the PCP to send the referrals, not any other Dr. OH by the way no one verbally told me and it's not in their handbook they sent me. So because of something that little they denied the claim instead of denying it with an explanation to the Dr and what they need to do to fix it. Which is get a referral from my PCP. I'm certainly not paying it. If that's the protocol, then my allergist can fight them. It's not my fight.

United Health CARE STINKS!!! They have not PAID my caregiver for 2 MONTHS! What's going on, cannot get anyone to answer the phone, all lines are busy. What's going on? How do I get in touch with a supervisor???

I chose the HMO plan along with another few of my coworkers. We each chose a primary care physician prior to completing our sign up. UHC changed every single one of our PCP's to a doc of their choosing. Then when we tried to switch they fought us on changing for a full calendar month saying they won't pay for the visits. They denied medications for me saying flat out they don't pay for that. So I have to go back to the doctor in order to be prescribed something they'll pay for, but they've seen to it that I can't see a doctor. Unbelievable.

Consistently when I try to get services authorized for my patients, I get the runaround at United Healthcare and its mental health subordinate United Behavioral Health. Additionally they do not authorize care based on typical guidelines and even are not consistent in their following of nationally accepted definitions of diagnoses and service types. These are the reasons that providers try to avoid United Healthcare more than just their low reimbursement because when you can't get needed services for your patient, then you as the provider are mutually at risk with your patient.

12 days ago my husband fell and injured his wrist. He went to the doctor and they took an x-ray. The x-ray revealed no break, but the doctor told him to come back in one week for another x-ray and to go to an orthopedic for an MRI. United has denied the MRI now twice. Today they advised us that my husband should get physical therapy. The physical therapy unit won't begin treatment on him because they said they don't know if this is a fracture or torn ligaments. How do we respond????

I was looking for health care and couldn't find one in my budget, talked to a guy and he found one. We discussed it but never authorized it did. He would call on Friday to verify the account. He didn't call on Friday and the following Monday money (83.75) was taken out of my bank account with NO AUTH. It took a hour out of my work day to get to someone who could help with the problem. It has been a week since then, and I just got another bill in the mail after the lady told me that my "account" had been disconnected. That was a lie. I had to close my bank account and open a new one because they wanted to pull money out and I couldn't get a hold of anyone that could help when I had time, so I wouldn't recommend at all. They don't stand by their word, they do un-AUTH. transactions.

I always pay by the due date. I was denied medication and payment of services because they had not "applied" 2 months' worth of payments to reflect that I was up to date with premium payments. I called, and a representative said it would be fixed within 3-5 days. 3 weeks later, same issue. My doctors were receiving letters that their services would not be paid for. The website was still showing 2 months' worth of "unapplied payments." I called again and they finally managed to fix it and send me an apology letter. This is unacceptable.

After 3 consecutive days trying to get resolution of a bill, I have given up. I could not get customer service rep to LISTEN to my question, let alone provide any help. Management needs to listen to the phone calls for QUALITY purposes. The billing entity also indicated they had submitted required documents twice and would do so for the third time.... They are frustrated also. It indicated this is not a new issue with UHC. I will definitely shop for new insurance for both my wife.

Ok my husband and I pick United Health Care platinum government health care exchange... and what a joke to found a pain management that will take it. I call the list of doctors and they're not many in the list and they hope we do not take plan I have. I have to travel 30 miles to found a doctor that take it and that does not work out too well. Not the nicest people there... so I am back to square one again trying to found a doctors to take this insurance. We do monthly for this plan for us. It pricey but we were thinking it was good deal for us. But it driving me up the wall to call to found out if doctor take this insurance and running into walls... The doctors do not like taking this insurance at all... specialist anyway and that wrong. If you are a doctor and you are taking United Health Care plan why not take everyone that has it other than leaving us out to dry because we went through health care exchange to get insurance?

I enrolled with United Health Care effective Jan 1, 2015. After seeing my PCP I was referred to see an Orthopedic on Jan 27, 2015. After my visit, I received a bill from my doctor stating that this claim was denied. UHC claimed that this visit was not authorized or authorized after the fact and they would not cover this. Each time I have had to visit a doctor UHC has basically turned down my claim almost every time. It's like I don't have Insurance although my premium is $605 monthly.

Since February 2015, I've been enrolled in United Health Care of Florida, Inc.'s Bronze Compass health insurance under "Obamacare." Hopefully, I can spare others from making the same mistake. For the first three months, they processed my premium payments correctly. But in May, June, July and August 2015, they cashed my checks within a few days without crediting my account properly. Every month, I am double billed: for the current month and the previous paid month! I have spent hours trying to get Customer "Service" (?) to locate my missing payments. I am beyond disgusted. No one in this company seems to know what they are doing, no one seems accountable, and - what's worse - no one even seems to care. Shame on everyone associated with United Health Care of Florida, Inc. If you are a wise consumer, you will avoid this company like the plague!

I had a routine health exam on May 22, 2015, and since then I've spent over eight hours on the phone with UnitedHealthcare "customer service" (not!) staff; reps from the blood-work lab and radiology lab that performed my routine, preventive tests and read the preventive exam x-rays; and my doctor's staff. I had received several bills that should have been covered by UHC, because there was a minor problem with the billing code the doctor's office staff sent to the lab. I thought I had straightened things out with the first round of phone calls.

UHC lied to us from the beginning including which doctors were on our plan and limited hospitals to 2, one of which is 40 miles from us. After paying 40.00 for my medication for the past year (they said it was a tier 2 generic) they required me to try 3 out of 4 other drugs before they would cover my current medication. I did as they asked and was in great pain and had many adverse reactions so my doctor contacted them and explained I needed to be put BACK on my previous medication. They agreed but now my medicine (still generic) was a tier 4 and would cost me 250.00 dollars.

I have called this insurance company over 30 times in the past week to (this is no exaggeration) try to get an ID card, to find providers, to just figure out easy questions to my plan. Almost every time I am transferred to the wrong department, my call is dropped, or I'm told the WRONG information. It is extremely frustrating and a waste of my time to have to constantly call back or be misinformed about services. I called a total of 10 times to find out if one of the doctors I would be seeing would be covered under my plan and each time I got a different answer. This company is a piece of **. I will NEVER sign up for them again. I'd rather be fined and have my money go to the government than this worthless company.

I called UHC on 8/12 to ask a complicated questions regarding a very sick patient's benefits for home care. I was connected to someone in the Philippines. I asked to be transferred to a nurse in the U.S. and this person refused. I could not understand her and she could give me another phone number to call. The customer service for our "American" products is horrible. Why are we forced to talk to people in other countries who we can't understand, who can't understand us. I know that because I am always asked to repeat everything I say when speaking to a person in the Philippines. I can't wait for Donald Trump.

Forget about getting help. I needed to provide payment receipts to my employer for proof of insurance and could not get anyone to answer a phone much less figure out their pos website. NO EMAIL!! Only one phone number for everyone and they close 3 pm, AZ time. You UHC are scum.

I recently contacted the United Health Care claims department about a claim. The claim involved hospitalization of my wife (3 days). I received a letter explaining that my wife's hospitalization was not medically necessary. The explanation I received was such a crock of **. The claims agent told me they have an agreement that can alter the admission status from admitted to observation. She also told me that as a railroad employee, I should understand contract negotiations and how they work. I understand that any Union member expects a fair days pay for a fair days work. I don't need to be a "bully" to get what I want as a 40+ year member of organized labor. She tried to tell me that United Health Care is only working to get me (& United Health Care) the best value for the huge premium that my employer and I pay.

United Health Care lied about covering the medication. I have been taking for 10 years. They denied me after assuring coverage before we bought the policy. UHC has put my health in jeopardy. Every day the pain gets worse. What can I do? Please help.

This company double bills me 2 times in a row. When calling to get the issues corrected I have had the absolute WORST customer service. Hours on end on the phone with them being transferred around everywhere. Clearly all of their staff have a major lack of training - as over the 5 different phone calls and hours of aggravation I was told I would be refunded by two different supervisors who stated that they would follow up with me... Never heard from one of them and still have not received any of the money back that they took. This is all before I have even had a chance to use the health insurance. I can't even imagine the runaround I am going to get to try to see a doctor. DO NOT get health insurance with them if you can help it.