UnitedHealthCare Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

United Health Care AARP Medicare Advantage Plan 2 - On 1/31 my PCP initiated orders for replacement of my deteriorating CPAP machine. It went downhill from there. He didn't know what Medicare required and he and his office let it hang in the air for a week. When the vendor they referred me to called me to say they did not serve United HealthCare I called and spent 2 hours on UHC's cust service line who referred me to another vendor. They never contacted me, week 2 gone. I called the USC rep who told me that 1st vendor was the correct one. Called them and they said MD prescription was wrong and not fillable. MD disagreed. Again with another USC rep who finally recommended getting referral for a new sleep apnea test to comply with Medicare regs.

My big problem is with the pharmaceutical coverage. The tier system of covering the meds makes it difficult to see any benefit of having the coverage.

I had a terrible problem with Hi-Health Innovations Hearing Aid, a subsidiary of UHC, that was sold to my brother who has a UHC Medicare Advantage Health Care Plan. He was charged $565.00 for a hearing aid mold and a poorly manufactured hearing aid. The mold broke off of the aid and Hi-Health Innovations wanted $130.00 to replace the mold. The hearing testing results conducted by hearing aid dealers, not Audiologists did not reflect the results when a battery of tests was performed by a licensed Audiologist performed in an acoustic enclosure. An accurate battery of tests is essential in order to select the right hearing aid. My brother was never given any option to purchase any aid other than the one BTE aid UHC was selling. There was minimal support for the UHC purchased aid.

Prescription was my complaint. The Donut hole leaves a lot to be desired. Probably going to change next year. I don't like my medication being held hostage. I don't understand that I am trying to get better.

Zero stars for demanding PA for birth control. Crappy company obviously trying to save $ for stock holders by emphasizing short term gains. Does the CEO need another private jet? "United Health CEO's compensation swells in 2016 to $17.8 million. United Health Group CEO Stephen Hemsley made $17.8 million in total compensation in 2016 for running the nation's largest health insurance company. Apr 21, 2017". Shame on all board members who create this climate of $ before patients! This is why we need single payer system. We will be switching to BCBS who at least doesn't need PA for BCPs!

I am pregnant and filed a referral for a midwife in January 2018 and as of March 8, 2018 still have not gotten an answer, meanwhile I have been told that I need to refile due to the referral stating expected due date rather than exact date of birth. Got that fixed then they said I needed a 6 digit ID number, uuhhh it was already on the paper. Then I have filed several grievances with them and believe it or not they canceled them. What right do they have to cancel my complaint. Meanwhile I am pregnant, being denied prenatal care and getting physically sick from the stress.

I had short term insurance which expired. I was called by an agent that said he had an upgrade to my previous insurance. He was lying. My Dr told me this is in fact not even insurance but indemnity coverage. Companies like this should be legally allowed to operate. Do yourself a favor and avoid these scam artists.

United Health Care (avoid if possible) is in the business of selling insurance and denying coverage-- typical insurance company but these people are unbelievable. Since having their coverage (involuntary on my part) there is nothing they won't deny. Not on our list of covered drugs, subject to certain limits, you must try other medications (do they get a kickback from some drug companies?). Why do we bother getting medical opinions and recommendations when these money grubbing, corrupt companies make decisions about which they know nothing? It's enough to make you sick!

My wife recently renewed a refill for insulin and the copay was a staggering $1785 up from last year's of $450. We paid a total of $1680 for all of 2017. She gets 5 refills a year. Called to find out why the copay was so high and got an uncaring reply - "Our cost went up but don't worry. The next refills will be only $254 each." We already paid $100 more for the first refill than all 5 refills in 2017 and will be charged another $1100 for the balance of 2018. My wife is on 16+ medications and with this unannounced increase just for this one medication I should not worry!!! My Plan D premium increased approx. 60% and my Plan F premium increased approx. 25% in the last 2 years. Who is raking who over the coals? There must be a better Company out there and when I find it United Health Care will be history.

My husband has numerous health issues and one of them is osteopenia, his bones are degenerating in his body and has severe pain that really can't be treated any other way than by pain medication. He has been seeing a pain management doctor and has been on ** for over 9 months. We were told that each year an approval process has to happen and submitted the form for this drug to be covered. It was covered in January only to get a letter in February that it was denied. No real reason given as to why. He has been taking the drug, with same strength since 2017. He now is in withdrawals and I am sure he will be hospitalized.

I have United Health Care insurance for last 4 yrs. I called them today 2/20/18 to ask them when was a certain last test conducted as the insurance doesn't cover the test more than once in 2 yrs. Rep was absolutely discourteous. I explained to him that my records don't show the description of the claims made, so I needed help. He asked me how is he supposed to look it up if I didn't know when I got it done...duh! That's why I am calling. I asked him he could generate a pdf of the claims and search for the short description I gave him and he said "no I cannot". Absolutely rude. People like this should be fired- clearly in the wrong job.

Very simple, and along the same lines of nearly every other complaint. I take a specialized medication, and due to "contracting", basically greed, they decide that an alternative will work for me. My doctor disagrees, but United HC does not care. If their stakeholders get an extra penny and I die, they seem fine with that. Pathetic!

I have Narcolepsy, and the ONLY med that worked, they denied when my other Medicaid paid for it. These people & this company SUCK!!! I can't believe they would destroy my life like this. I'm falling asleep at my job...

All insurance companies are terrible today because they fail to offer a coverage option that is growing by leaps and bounds the integrative/functional medicine and naturopathic categories, and we all know why... There has got to be collusion going on between the docs and the pharma companies. That category treats the whole body with better options and we all wonder why it is growing... The insurance carriers need to wake up about this and offer these options. I have struggled and fired four docs in my plan... So frustrating!

I'm trying to use the UHC website, but it's so full of script (Windows task manager = 2,133,522k+) it's not usable. All transactions need to be done through their website, but is so slow you can't use it. I would guess this is by design.

I have insurance In-Network Only (INO) and with it I pay for everything but if I could take the money spent on Premiums and put it in an HSA I would be set.

We never have had a problem with UH either paying for covered procedures or helping out when a mistake was made by a provider or Medicare. They also have given us good information when needed.

They just made you use mail pharmacy instead of you choose what pharmacy do you want. When you have lifetime medications prescription they don't let you have them at your local pharmacy and if you go you have to pay almost the total of the medication cost.

We have United Health Care Medicare supplement plan F and have paid no co-payments for any services for the 4 years we have had it. It is a pricey supplement but totally worth it in my opinion.

Constant runaround with ‘prior authorization’ claiming they only will cover ‘Drug A ER’ then deny at pharmacy... say will only cover ‘Drug B ER’ submit prescription. Denied again. They say, "No we only cover ‘Drug A non-ER’." Submit prescription and denied again. At this point I've been without ANY MEDICATION for over a week now. And people wonder why there’s a mental health crisis.

So, basically, we signed up for insurance through my husband's jobs and he received a welcome packet and was told that coverage would start on the 1st. We hadn't received any ID cards yet but we expected to at least be able to sign in. Nope. Not only can we not sign in, when we called, no information came up either. We emailed the agent we went through, named Tanya several times and called but no answer back except "it can take a week or two to go through". He told her it had been almost 4 weeks and she said she would check it and get back to us. She never did.

Over The Counter Essentials benefit dropped. I have been with UHC for several years. Until 2018, we have been given a quarterly benefit for over the counter items. I just tried to place my first order for 2018 but am told that my plan, Secure Horizons, no longer offers this benefit. I received no notification of this change from UHC. In addition they also greatly raised the cost of several of my medications. Stay away from this pathetic excuse for a healthcare company!

My company that I have worked for, for 19 yrs went with United Health Care after being with Blue Cross/Blue Shield for all other years, except the last 4 or 5, and we have been with UHC, since then. I have never had any issues with BC/BS. When I see a doctor that is out of network, I have to send in the receipt where I paid and also the paper with all the medical codes that claims needs to process. Well, they never receive faxes that I send, that comes back saying ok on my end, UHC, doesn't receive, really? What did it do? Disappear in mid air? You have to stay on top of YOUR CLAIMS, don't expect that they will. If you fax something, you should call the next day and make sure they got it. I'm still waiting on a refund from a Dec, 6th, 2017 office visit, and had I not called to see whats going on, I still wouldn't know anything.

Once again I am an idiot to think that you can get insurance and have honesty at the same time. Took money out of my account and the ink was not even dry. Hell to cancel, agent mad, no help at all. Now I have to wait for almost 2 weeks to get money back and they pushed it through last night. Jan. 30 did app, Feb. 1 cancel, that is how fast they rob you. Tell you every Dr. and/or hospital takes, they DO NOT!!! I read reviews and ignored, shame on me! Please do not take this out, please!!! Thieves, sad state of affairs when this is what we have become as a people. I will do without any coverage, I am not taking any more chances. This was through an agent, a real insurance company. :( 1/30/2018

My son has Medicaid and he had an appointment to be seen by his dentist. We don't have dentists nearby that accept Medicaid so I had to schedule transportation services, considering that I'm disabled myself and that the facility where we had to go is an hour away. So I did, I called Medicaid and they booked the service for the right day. However, they called me back the next day to tell me that I had to book it through United Health Care and that's when my nightmare started. So I called United and they told me that because it was not a medical emergency, they couldn't book the trip, that it was too late. I explained to Dotty ** and Becky ** that the delay was because I was not given the right information and that I couldn't reschedule the appointment for a near date, considering that they take forever to schedule an appointment for Medicaid patients.

Here is the corruption/scam schema. Beware! When they rips off people, when they get into Emergency situation, what makes it even more unethical and outrageous. I used the United Health Care website to find "in-network" hospital and selected it for the visit. After I've got a bill, I found that 3 doctors were charged/billed as "out-of-network". In this case, the United Health Care covered only the maximum allowable, applicable for their "in-network" doctors and made me responsible to pay the rest of the bill, so that I had to pay something like $500 more, than I was supposed to!

I tore my left hamstring, no in-network orthopedic doctors will see me, due to no in-network doctor treats torn hamstrings. 4 weeks so far, UHC keeps denying the referral to go out of network for me to get treated, due to, "Doctor is out of network". They are sooooo stupid. So basically... They are denying me medical treatment. If they do not have any in-network doctors to treat me, they MUST approve me to go out of network and pay for it... But they keep giving me the runaround. So now I just live on pain pills... Gee, maybe I will get addicted and then I can also sue them for that!!!

I just joined UHC because of AARP recommendation. Sadly have come to realize AARP is only a sales vehicle. I am new to Medicare and the "system". All I, to date, have attempted to do was to establish doctors in my new city. Easy task: right? The UHC web site is antiquated (sorry: "we have been having problems") and the information once you get to it is out of date. The list of doctors (including the one they put on my card) aren't accepting new patients. Had the same success when I contacted one of the many customer service numbers. I can't wait to be able to leave UHC and AARP. Sadly I have to wait for the open enrollment period.

Most is done on website and the site is well done. I had better coverage as an employee of Verizon, but all things considered I am happy with the service and grateful to have it.

When I decided to sign up for this plan for 2018 I did some research to make sure that my doctors accepted this plan. It a plan that bills Medicare first, and the balance is picked by Medicaid (Ohio). Not until I had gone to the doctor twice did I get a bill wanting me to pay what Medicare didn't pay. When I called them they said that they do not bill Medicaid. Of course they did not tell me that when I signed up. I think anyone would assume that if you accept a dual plan for Medicare and Medicaid that this would be normal policy. No one will help me now. Not the doctors office, not UHC, not Medicare, not Medicaid. They tell me I am stuck with the bills, which are not small. I have no means to pay this so they will not allow me to see my doctor until I do. I am at a loss as to what to do about my meds. What can I do? Any advice? Thanks much.

United Health Care is the worst insurance company ever! Here's the story so far... My mom is a massive stroke survivor and lost the ability to fully function as a individual. She now needs 24 hour care to help her live life. I decided to become her caregiver so we applied for a CDPAP program called Freedom Care. Unfortunately Freedom Care didn't accept the insurance she had, but UHC was 1 they did accept so we switched on 12/1/17. All the paperwork was approved and completed for Freedom Care by 12/6/17. All that was left to start was to get a home nursing assessment to determine how many work hours her case gets each week. There's local nurses that could easily had completed the assessment that same week, but UHC won't accept a 3rd party assessment, so they have to provide it with 1 of their nurses. All was to be done is have my mother's doctor sent pre or prior authorization in order for UHC to schedule the assessment.

Just began Medicare due to disability. United Health Care offered opportunities and opened doors that Medicare at this time is not able to offer. United Health Care gave me hope things will be ok in many areas of concern.

The nurse who came to my house was very nice and knew what she was doing. All the reps I have talked to are very knowledgeable and very kind. Also I found that the services provided are less expensive than other insurance companies.

The agent we chose, Stephen **, made United Health Care Advantage sound like this was an answer to our prayers, that nothing compared to this coverage that is totally free. It's the answer to get free medical and drug prescriptions coverage. We continuously were told that it costs nothing, that all drugs will be free, etc, etc. Well one month into this coverage we already spent over a $1,000.00 and afraid to think what the rest of the year will look like. My husband's eye drops for pre and post cataract surgery has cost us over $700.00, cataract surgery deductible $200.00 and that's without hospitalization. The day of my husband's eye surgery we find out from his doctor that we do not have Medicare, that we replaced it with United Health Care. So, us thinking that United Health Care was our supplement insurance, covering what Medicare will not, we are told by the surgeon that that's not the case. That was a total shock to us.

I have been forced to use Briova that is owned by United Healthcare. I am waiting on my transplant medication right now. I was under the impression they call into the doctor and get the prescription. I had to do that myself. SO tell me what is the benefit I am getting. They messed up last month and I had to fill it through my local pharmacy which took 6hrs, once UH goes through the "proper" process. The process was that they kept calling me to see if I got my meds. I did not. Now yesterday I went refill and was told I needed a new prescription, even though the bottle said 3 refills. Got the prescription and now I'm told I have to wait 24-48hrs for pharmacy to review the doctor’s prescription. This has been an ongoing since I have been forced to use them. My pharmacy is a block from my house and I think it’s not right that I don't have an option.

Needed a MRI with contrast after DVT. My doctor submitted the request and I was pre-approved. I am claustrophobic so I have always had open MRI and never had a problem from UHC. This time I could not find a open MRI so UHC assisted me in finding a facility with stand up. My old facility was out of network as on previous occasions and UHC would still pay if the facility accepted the amount. The facility declined and UHC found another facility without stand up but with a bigger bed and UHC gave me the number. I got my preapproval paper and made my appointment and did the MRI, now 3 months later UHC denied the claim and I was billed $2200.

We had Kaiser which was a big disappointment so we change to United. My wife was in an accident and lost her ability to walk. We live in a rent controlled apartment in San Francisco. United will not help us get her to doctors' appointments (she needs to be carried down the stairs). Kaiser provided this but United has been even a bigger disappointment - they will not help at all. So now, she can't even get to the doctor even though we pay monthly fees for this discriminatory practice. They act like this is the most unusual request they ever had. So this has never happened to another person? Screw you United non-Health Care.

I had a dental insurance with UHC. I tried to call the customer care for cancellation of the policy. I was on hold for mins and received no response. I was instantly connected to the department who provides new insurance policy. They connected me to the different department for cancellation and I was once again on hold for 30 mins. The service was poor and there is nobody to help me. I wasted 2 hours of my time reaching just the customer care team.

I was prescribed a ** inhaler for COPD to be used 4 times a day. United Health will only let me have enough for two times a day which means I will not have medication to breathe for 15 days of a month. Yet two months ago they sent me a letter saying they would pay for gender reassignment is definitely something wrong with the system that will pay for an elective surgery over a necessity for breathing.

My husband suffered prostate cancer and his cancer doctor requested a PET scan to find possible metastatic recurrences. The doctor explained why the test was so needed. Evicore who declines ever test, medications, medication amount and everything in between. They have no concern except for taking our money!

I have had this insurance for 20 years and have hadn’t no problem until Obamacare. It changed my insurance to an unaffordable policy. I pay 2025.00 for me (47 year old female who is fixed and had no serious health issues). My husband and son are 2100.00 (48 male and 13 year old son)... These charges are every 3 months so 4100 x 4 is my yearly fee...and to top it off last year I noticed that we had to pay upfront for all services and when we reached a deductible of 7000 per person then we would have coverages 80/20 so for 46,000 a year I will only then have 80% of my insurance paid and I still pay 20%. 46 GRAND PEOPLE so Obamacare screwed This Family over. We have always paid for insurance and now it’s 46,000.00 until they pay 80%. Wrap your head around those numbers.

Retired veteran and 100% disabled - This is the worst Healthcare I have ever experienced and my experiences are not limited to military only. Day before yesterday, I spent 7 hours on phone to hopefully clear up a 2,100 dollar bill to my 16 year son for breaking his wrist snowboarding a year ago! I got NOTHING resolved, was only transfered from 'A' to 'B', then to 'D', back to 'A', etc, etc, etc.!!! Then, 4.5 hrs total on hold yesterday and spoken to NO ONE! Today a total of 4 hours and spoke to NO ONE!

On January 3rd, I cancelled a policy with them. Since it was in the first 10 days of trial, the customer service agent said my money was going to be refunded within 10 days. When I called on January 16th wondering why they hadn't returned the money, another customer service agent said she was not aware that I had cancelled. She said that there was no record of me canceling. Apparently according to her, the other agent might have forgot to cancel the policy. Thus, I have to pay for 1/2 month's time which I didn't need. At least this customer service agent gave me a cancellation number with her name for any future nuttiness.

I think UHC stinks. They have denied my hearing aids after 2 appeals. I'm taking it now to the external level appeal. My spouse pays a lot of money every month for ** insurance and they won't even cover anything on these hearing aids. Do not get UHC. Also I waited like 4 months for an appeal and it is supposed to be no more than 30 days. I even had a customer service rep tell me on the phone they were gonna cover the hearing aids and then they said no. I guess they "changed their mind". Horrible phone wait times.

These people are completely incompetent. The last three four times I've been trying to get my medication I haven't been able to get it. My doctor's office, my Pharmacy has them everything they wanted. This medication is very urgent for me to get a r e 2 weeks yet they keep saying I have to wait 20 days to get my medication. I'm ending up in the hospital because of this. I've called them 3 4 times hour at a time being hold one hour and they cannot get this completed and then they have the audacity to have a recording. I mean a lady call and say, "I hope we took care of your problem." No you didn't.

Can't renew my dental policy. Their website doesn't work, says my policy doesn't exist meanwhile I got their bill. The bill has barely any information on it. Tried to register as a new policyholder and that didn't work either. I call every day for 4 days straight hold time averaging 1 hour and 7 minutes. No other phone number to call them on. No way to contact them by email either. Apparently they don't like customers contacting them, even if it is to pay a bill. Lost out on getting a new plan because open enrollment passed. Not being able to contact them is negligent and I mean that legally.

UHC denied a RX issued by my doctor and their reason for denial was they simply won't cover it and to try over the counter medicine instead. I'm pretty sure if an OTC medicine was needed the licensed medical professional would have recommended that. They also denied a nausea RX for our son today on the day of his surgery and explained they just wouldn't cover it but if I told them of another nausea medicine they would see about authorizing that. So it seems now patients can play doctor and actually use Dr. Google and request their own medicine but they won't approve a written RX by a licensed professional. I will also be filing a complaint with the insurance commissioner but if you have a choice for health insurance, I'd strongly recommend going with another company.

The nerve of this company charging an individual female 45 yrs. $1,141.00 a month. Wait time for a rep on the phone they tell you 30 minutes, I've been on the phone 1 hour and 40 minutes so far. The coverage provided is low compared to the services offered. I must have a primary doctor and need referrals for any specialist. Referrals are very hard to process. My doctors' office spend an hour a day for 3 weeks and couldn't get through to process a referral. Almost all of my doctors and labs send billing to United Health Care and the bills go unpaid until collections gets in touch with me.

Poor customer service but probably a trick on their part to keep your money. If you try and cancel a policy, they tell you that you have to wait on the phone for at least one hour (they claim to be so busy). They will tell you that they will call you back but they don't. You need to sit and wait on the phone forever to talk to a customer service rep about canceling a policy. And those reps are not eager to answer those phones.

They just deny everything and see if you bother to appeal. The FSA they manage is the same - they keep denying valid medical bills (even though it's MY money!). Of all my FSA charges last year, with $1500 in the account, they denied $1300 and still haven't "accepted" any sort of receipt I can get them (including charges from their OWN specialty pharmacy for prescription medications!). They suck.

I was on the phone for an hour and 25 mins, spoke with 7 people and still did not receive an answer to the original reason I called. Was put on hold over and over; told they could not find what plan I was on; transferred to someone who then would transfer me to someone else. Lots of dead silence. The representatives I spoke with did not know what they were doing. Terrible, terrible customer service.

I have called United Health Care five times and changed my address for one year this is been going on. My premium has been increased as of January 2018 without any notification to me. United healthcare tells me they sent a notice but they have sent it to an old address where a friend of mine lives and she never got the notice either. A supervisor I spoke with by the name of Rachel in the customer service department told me my premium should be no more than $26 for the two prescriptions I get every month. I am now being charged $90 a month. I cannot afford this. I am a senior citizen on a fixed income. United said I am past the deadline for enrollment so therefore I cannot change the plan for one year but I had no notification that the plan was being changed. They are being totally unfair and I cannot pay this amount. Cannot get any satisfaction from anyone I speak to there. Where do I go?

I was looking for a PCP to handle medical needs. I needed a PCP that took both the plan that UHC gave and Medicaid. The agent told me that she found a PCP that would work. The first doctor was not a PCP, but a specialist that was not seeing any patients. The second one was no longer in the medical field. So, the third PCP took the plan and I was told that the PCP took Medicaid. The agent made the appointment and I went to see this doctor. After the appointment, I was billed $183 because the PCP did not take Medicaid. I was now stuck with a medical bill. I will pay this bill off and when it comes time to enroll in a plan, I will take Medicare and a different prescription plan with another company.

Terrible company, terrible & non-functioning website with incorrect information and not to mention all of my healthcare doctors, nurses, etc!!! Have told me the same thing about United Health Care. "They are hard to deal with when it comes to being paid for services that have been provided to me the customer". Constant incorrect information listed on United Health Care website of which doctor is in the network and who is out of network. The list goes on & on!!!

Have appealed a denial of a PREAPPROVED procedure three times. Rejected even though they have admitted they preapproved the amount because the provider sent the bill from their primary location and I was preapproved for a satellite location, which is where I went. Complete and utter thieves. Gross company with no sense of responsibility or decency. The worst experience I’ve had with a company in my entire life.

As an urgent care provider, they expect you to treat whatever medical problem a patient presents to you for $120.00. Numerous excuses to not pay or downgrade pay for a submitted patient billings. Expect to have a huge amount of time, for a staff to spend on the phone to try to resolve something. My personal opinion; this is a business model with "modus operandi" to maximize charging the patients, minimize physician/provider payments, have a hard to secure and time consuming "prior authorization" for whatever urgently needed, in the hope that either physicians or patients just give up getting the test, all equal to a more profitable balance sheet, which there is absolutely, nothing wrong about it!

I had to go one day to emergency room in a New York hospital. An ambulance took me there. United Health Care pretends I am not entitled to this!!! Trying to talk with somebody you are being transferred from one to another one until you lose your patience and give up. Never apply to these CROOKS for a medical insurance.

My daughter is in college, she is 18 years old, I paid my bills for her. I have received one bill explanation, I had a question, they said I am not authorized to call them for her. Then I need to paid the bills, without ask anything.

United Healthcare Community Plan a.k.a United Healthcare DUAL COMPLETE is laughable at best. Pitiful customer service, employees ask you 9 times for your name, policy number, then state they can't find you. Their DDS (Doctor of Dental Surgery) and DMD (Doctor of Dental Medicine) DENTAL PROGRAM is a total DISASTER. They recommend dentists who claim to be General Dentists. When you call the receptionists states the dentist does not know how to do root canal, pitiful. My calls were hung up on, transferred to wrong departments, they couldn't find my name, my policy number, it was a surreal circus.

Have been a lifelong United Health Care consumer and will be no more... I'm done with these robbers. I cannot even get my ID Cards even though trying many many times. No way to talk to anyone by phone, email, online etc. It deserves no stars for customer service. It's been bad for about two years now. They have not covered several doctor visits, medications, that it used to. So sickening!! Stay aware consumers!! Spend money elsewhere!!

The way that United Health Care processes claims for healthcare providers is disgraceful. They automatically deny claims for no authorization when in fact there is one and they do not ever admit that they are wrong. Every time I need to call United I get these people that do not know how to speak English or think, they are reading off a pre-written script.

I pay a lot for United Health Care and they will not allow me to choose my own Pharmacy! They FORCE me to use ONLY Optum and pay a higher price for my prescriptions to get my medications. Since I can't LIVE without taking my medications I have to pay through the nose. How can they get away with it? They are creating a nice little monopoly for Optum. Where is the government regulations on THAT? Unfair! I want to use my own pharmacy! They are going to drive local pharmacies out of business with these tactics! My pharmacy charges a fair price and I don't want to pay Optum more money!

United Health is only out for your money and NOT the patient. They refuse to cover MUCH NEEDED medications that my boyfriend needs for his diabetes and my boyfriend has had polyps before and they REFUSE to pay for his colonoscopy because he is 49 and not 50! Stay away from United Health Care!!! If he gets cancer because they refuse the colonoscopy they won't even pay for that when it could have been prevented from the start!!!

UHC has the worst possible service: their salespeople don't know the answers to commonly asked questions, and are unable to think for themselves. They put you on hold multiple times to find answers-and don't always have an answer. Customer service is non-existent, you're put on hold and then you are hung up on. These people have a prepared speech like a parrot and if you ask them a question that's not on their prescribed script-they repeat the same dumb answer. You get different answers from different people for the same question and are given the run-around and transferred from person to person, and disconnected. This has happened multiple times.

UHC is all about making money. Changed coverage of medication without notification to patient. Stop covering medication that had been prescribed by doctor for over a year without any notice. Covering a new medication that has horrible side effects which have been reported numerous times by other patients. UHC is doing this for “money.” No interest in patient care.

United Health Care increased the full cost of my medications after enrollment was closed. They more than tripled the full cost pushing me into the donut hole making my drugs so expensive I did not refill the 4th quarter. I filed a complaint and they said "sometimes costs go up." You cannot rely on the information they provide during open enrollment. Typically bait and switch. I have been defrauded. Stay away from United Health Care.

United Health Care has denied a power wheelchair for my son for 3 years. He has a degenerative neuromuscular disease called Friedreich's Ataxia (FA). He can't walk, has 2 titanium rods in his back due to spinal fusion, has a tremor, has a fine motor disability which makes it difficult to eat, write, button, zip, lift anything over 20 lbs and tires easily because it takes all his energy just to maneuver a short distance. This disease is progressive and there is no cure. It affects his heart and will shorten his life. His pediatrician, neurologist, cardiologist, orthopedist, teacher, and anyone else who has treated him has stated that he needs a power chair but UHC continues to deny. Why?

Absolutely worse customer service ever! If you want to pay sky high premiums and then out of pocket if you go to the doctor United Health Care is the company to use. The PCP that they sent me to sent me to a specialist. I had a paper referral though they said the PCP was suppose to submit it electronically and would not take it or pay even a penny of my bill. I spent over a month trying to get it straight and they pretty much told me it happens all the time and to go screw myself.

I just received a bill for $71 from United Health Care. I haven't had United Health Care since 2016. I even received a letter in 2016 letting me know that United Health Care was withdrawing from the healthcare Exchange. When I had United Health Care I opted for no subsidy because my income changes. And I didn't want to bill from the government at the end of the year. So far I haven't been able to get through to a person at United Health Care. And I'm unable to login to the website.

This company insists on doing everything by regular mail and phone; no email. I would get letters asking me to call an 800 number. When I called, at least half the time, the person would not know what was needed and we would have to start over from scratch. A few months ago; they notified me by mail that I had not made a payment and my insurance was cancelled. I sent proof that the payment was made; but they still didn’t restore my insurance. Meanwhile they were still auto billing my account. I’m now with Humana which does use email and I can go online to resolve anything. I’m so happy now. I heard the CEO of United receives double the pay of any other healthcare company; it feels good to have fired him.

I am a member of UHC through my company. My rates, deductibles and co-pays have increased year over year and my coverage has decreased year over year. In my personal experience the insurance offered is below a standard I would recommend to others. I do not have a choice of health coverage within my company and have found decreased satisfaction and increased frustration due to rate increases and over-inflated medical costs UHC does not cover. In my specific case, it was an Emergency Room visit that turned into inpatient surgery. I went to an in-network facility. I am still responsible for thousands of dollars and my company and I pay thousands to UHC. Their coverage is inadequate.

Had UHC and added the dental plan for 35 or 36 dollars a month extra. Had look for a reasonable dentist but my choices were limited to Aspen Dental. Oh what an operation that is. Get em in get em out as quick as possible. Wouldn't send my dog there and I don't even have a dog. Anyway I wrote to UHC to cancel my dental plan a number of times and I was still getting billed. What a deal I got. 477.00 dollars later still getting billed. Not a happy camper. Get it right UHC.

I offer this perspective as a mental health provider in the UBH network: UBH pays mental health professionals an abysmal rate. Specifically, they pay 30-35% the going cash pay rate in California. $60 per session (most therapists get $150 per session). Also, they refuse to pay the industry standard one hour session (90837), only agreeing to the 90834, or 35-45 min session, which is not what happens. Imagine if you only saw all clients for half hour sessions, and then told them it is all their insurance would allow. Clients often wonder why it is hard to find a therapist under their insurance, that is because they cannot keep the lights on if they took only insurance cases from companies like United. It is just wrong, and only the tip of the iceberg.

We pay $300 A WEEK for a platinum plan, specifically for better prescription coverage. Repeatedly, I am denied coverage for 2 medications. When they finally approve a substitute, it is ineffective, and the process starts over. Each time the meds need refilled, it is the same scenario again. This last time, the Dr. has contacted them 3 times, and they still need more information. Pathetic!

Seldom go to the doctor. But knew something was wrong. Went to doctor and had very high blood pressure and an abnormal EKG. Doctor scheduled a stress test for two days later. MyUHC denied the claim! Now I have to wait multiple days more with high BP, abnormal EKG, and now chest pains. Thanks for giving me something else to stress about. Decision probably made by some pinhead behind a computer with no knowledge at all of circumstances. If I have a heart attack prior to being approved - my family will own MyUHC.

All I wanted was a quote to compare rates. They are the biggest waste of time. Absolutely worthless company in my opinion. I wasted probably an hour waiting to speak to one of their ** and dealing with their faltering phone system. The phone transfer system doesn't work... constantly saying they are having phone service issues. I call the number direct that someone provided. I gave the idiot all my personal information including my address, state, etc. Then he says he will now transfer me.

Having trouble catching my breath and chest pains for 2 weeks prior to doc visit. Set up for stress test and submitting on 3 different occasions before turning down the request. In meantime shortness of breath has gotten worse. More chest pains and no energy. What do I do now 4 weeks later.

In the past I have bad experiences with the hospital and United Health Care helped me straighten it out. Hospital insurance People are sometimes not listening. The United agent will get to the bottom of the problem and see what they can do to fix it. They have always been helpful and courteous as well.

UHC has stated that I am allowed to have certain Rx for my chronic pain but when I try to use a prescription, I am denied. I have been told, in writing, that I had to have end of life pain and terminal cancer in order to obtain a medication that I had taken for over 7 yrs. I have resorted to PAYING for meds in cash, outside of insurance, because UHC doesn't want to cover me. Why have insurance at all? My Dr has even written to UHC on appeal stating that I need long term care and that ceasing my meds can result in my death, to no avail. Can anyone help me?

Our son is requiring residential treatment because of severe RAD along with multiple diagnoses related to living most of his life in an orphanage. He is just now making some progress after 60 days and now Optum is denying claims stating he doesn’t meet criteria for further treatment. He DOES meet THEIR medical necessity requirement, but we are learning that Optum will deny 97% of all behavioral claims after 60 days. It won’t matter to them what the patient needs or what the clinicians and psychiatrists report in peer to peer review. United and Optum will NOT meet the needs of the patient. They will line their pockets first while their clients suffer. Why is this allowed to happen in this country?

Anyone want to know why health care costs so much? INCOMPETENCY is the exact reason why. People answering the phone that do not have a clue. So, my experience began wasting away because my old company was sold. I am on Cobra because I had to have a major operation and was out for 8 months. Anyway, United opens a totally new account, without telling me, never sends me cards, never gives me anything. After repeated calls and speaking with "Managers" (what a joke) they came to the conclusion after 5 phone calls, hours wasted on hold that I needed to re-register... Wow it was that easy? Sure, got to my account and the amount owed was wrong and showing that I owed 2 months, but paid on the first month already on the OLD ACCOUNT.

I'm paying more for less. I can't make sense of their claims process, and neither can their reps when they painstakingly seek an answer for me. I've gotten wrong information about a prescription that resulted in an overpayment by me for 2 months before I discovered their mistake, their provider directory is useless when I find out they aren't part of the plan. I've even had a rep double check one, yet when I called they said they don't accept insurance. Their mental health services are handled by a completely different company that I've been transferred to, only to be told they can't help. What a nightmare!

United HealthCare is crap! They don't cover anything. Their premiums are outrageous, mainly because they don't cover anything. You can't get anyone on the phone that knows anything. They keep you on hold for 20-30 minutes. Don't buy this insurance. It's total crap.

Terrible website and support. Half of the time the single sign on from my United Health Care medical site fails. When I get to the site, I cannot complete any mail order medications for my son who is away at college; it errors out selecting payment method or shipping address. I can order for myself however. I've tried contacting them via the "contact us" link. They responded that, in order to assist, they needed my son's name, date of birth, and insurance ID. He doesn't have an ID - it is my insurance, and there is already an insurance ID field when you contact them. They said I could respond to their message by hitting the 'reply' button above the message - there isn't one. There's a 'delete' button above and below the message, but no way to reply.

I have United Health Care Medicare supplemental insurance. The company has made my life easier. Their coverage enables me to have less worries about my health problems. The few times I've interacted with them have been both informative and pleasant. Coverage was adequately explained in understandable terms.

My father was referred by PCP to have sleep study as he has current diagnosis of IS A for last 20 years and needs either new machine or pressure settings adjusted on current machine. United Health Care is denying a sleep study to be conducted as basically, "he's not sick enough." This is not appropriate practice as insurance is denying this person access to quality healthcare. So now he has to begin the process of contesting the denial. There is no reason to have to jump through so many hoops when a medical professional is ordering the procedure due to medical necessity.

Every time I went to my primary care doctor they would change it and bill me like I was going to a doctor that was not my primary care doctor. I would have to call them and tell them again who my primary care doctor was. The first time I thought it was a mistake but when it happened over and over again I was just hoping that I did not have anything major happen. BEWARE OF THIS COMPANY!!!

I have had United HC Oxford through my employer for four years. The network of doctors and specialists is very diverse and comprehensive. The co-pay for my primary doctor is $20 per visit and $40 for everyone else. I think $40 is high as I have had to see numerous specialist. There must be better policies out there but I am thankful to have coverage.

The insurance is great, it's Physicians Choice Medical Group who is the "middle man" here on the Central Coast of CA that is the problem. They take the insurance and twist it to their liking and it doesn't resemble what I'm paying for. I'm sent off site for lab tests that are supposed to be covered at the hospital, etc. This is ridiculous!

I am a patient who lives with rare, incurable cancer. While it tends to be slow-growing, it is something that has required management for over 10 years. Over the years, they have repeatedly denied claims for other portions of my health care, minor things. They deny the claim, my doctors appeal and they still deny, or claim they never received the information. It goes round and round. Lately, my cancer has kicked back up and my doctor prescribed a course of chemo that is typical for my disease. UHC IS DENYING CHEMO TO A CANCER PATIENT. Seriously. They just reported $53 billion dollars last quarter for revenue and they can't pony up medication for me? If I could switch insurance, I would, but, it's the only thing my employer provides. Run as far away from this company as you can.

Very difficult to navigate their policies and figure out coverage. Customer service is very polite but many times they will not commit to a specific answer. I am constantly surprised by unexpected bills from providers. Maybe my expectations are too high.

Pretty much forced to set up a Rally account. Reviewed terms and conditions before and after set up the Rally. Once account in place terms and conditions differ. Advise all to read the full terms and conditions. Believe it is setting members up to disclose records protected by HIPPA. When discovered I requested Rally account be closed. Relieved confirmation of my request, but it was not comply.

United Health Care has been a horrible experience from the day one. So glad we got rid of it and changed insurance companies at work. Our co-pays for prescription drugs dropped by half when we switched to Blue Cross. About a year ago our son was injured and had to be taken to the hospital four and a half hours away from where we live. United Health Care gypped both the provider Hospital and us.

Took my daughter to the Dr., and she prescribed a RX for the symptom. I went to the pharmacy to pick up the RX and gave them my benefit card. The pharmacist then said United Healthcare requires a pre-authorization from the Dr. before they will cover the RX. What? The Dr. prescribed the RX, it's on the counter in front of me. I called United Healthcare and he said the Dr. has to fill out the authorization form with them for certain meds. So after an hour, I left without the RX. The Dr. clearly deemed this the best RX for the patient, as they prescribed the RX. Why is United Health Care not wanting to cover it? Then, to make matters worse, the United Health Care guy couldn't tell me why...

Flu Shots - Coverage denied by provider but UHC says it's covered, but admits to system problems cause claims to be denied. Lab Test from Physical - Coverage denied - same story as above. Past employer chose United Health Care in 1992 and it was terrible. Current employer changed to United Health Care and it has not changed; still terrible.

Medicare plainly states that colorectal screening test AND anesthesia are covered 100% with no co-payment or deductible every 120 months. I have UnitedHealthcare Advantage and they don't seem to think so. I was billed for the anesthesia and had to pay a co-pay and it was applied to my deductible. If you have UHC Advantage, be prepared to pay for your anesthesia if you have a colonoscopy. When they send you a letter recommending that you have this test at "no cost" - NOT TRUE!!! I had the procedure in June. It is now October and I'm still fighting for them to obey the law. All UNC people are polite, but they are not well trained or know the Medicare law.

UHC delayed the approval of durable medical equipment - one excuse after another. My mom was discharged from hospital with orders for a trilogy machine, life-saving equipment. She passed away still waiting for it, even after requesting an expedited claim UHC delays = my mother's death. Avoid this company at all costs. READ ALL THE REVIEWS!!!

While at a doctors office, UHC came back with an amount of $109. I would have to pay for a procedure. I have the procedure done, and after the fact UHC tells me it will be $1,315. I was floored! Another reason I picked the tier of insurance that I did was because it covers a specific procedure. Again, after the fact and the doctors office filing the claim, every month UHC would respond to the office with excuses like"Wrong code", "Shes's not covered", "Wrong code again", "You sent the claim to the wrong department." Every month it was something, and 8 months later, "We don't cover that."

For three weeks I have been trying to find a doctor. These people don't help only cause frustration. Call to ask a question, they can't answer. Say "will call you back," never do. Your request is not entered into their system. When they do record your concerns and grievances of which seem to be deleted. Next person has no record of your call. Inexperience, limited training and no common sense.

Worst company ever - a total scam - executives should be in Jail. They do not pay claims - lose paperwork - lie on the phone and do not pay bills they should. DO NOT DO BUSINESS WITH THIS COMPANY!!! If there are others out there that feel the same way - let's file a class action lawsuit.

I saw my NP for a herniated disc and she is aware that this is a problem I've been battling since my 20s. I am now in my early 60s. The pain is horrible and I know it well from my history and times I needed surgery. My NP ordered an MRI and they promptly denied it. They insisted I have a month of physical therapy first, which I already know will help minimally at best. The PT clinic I was referred to seldom answers the phone or returns calls and they are a month out with appointments. Probably other people suffering, while United wrings as much money out of their pain as possible before they, too, can get the diagnostics they really need. Like I do. Dreadful, hardnosed company.

I don't know if I despise Verizon Retiree program more or United Health Care. Both have continually messed up my subscription to a Health Care plan that was SUPPOSED to take effect in July. I paid over $200 in monthly premiums through the Benefits Center two months in a row, only to keep being told that UHC "did not have me in the system".

People believe they have coverage, that this is actual health insurance. They pay well below half the going rate, significantly less than Medicaid plans. I've been on hold for 54 minutes at this point for Customer 'Service' with no end in sight.

This is my second review on UHC. I wrote the first one right after we had to change insurance companies to UHC. My husband's company was bought by a bigger company about a year ago and, unfortunately, that company uses United Healthcare. I'm sure it is based solely on the fact that they are the cheapest company. This is evident because UHC does everything they can to not pay for procedures and medications. It is also evident by the service of their customer service department. I called the 1-800 number to make sure they would cover the Anesthesia group that my doctors use for their procedures, as this was suggested in the instruction packet I received from my doctor. They said not all insurers cover General Anesthesia/Monitored Anesthesia Care. Considering my previous experience with UHC, I thought it wise to call the 1-800 number on my card and confirm coverage.

Prescription policy is a shame. They refused to provide me with a 5mg pill. Instead they offer a 10mg pill to be cut in half. Problem is that the pill size is just about 3mm!!! So considering the TINY pill size, cutting DOESNT WORK!! It would be a very inaccurate dose... One day I can get 7mg and the next 3 mg!!! No health professional was involved in that irrational prescription policy.

Since I have been a member of United Health AARP there have been numerous times I have requested numerous pieces of information to be sent to me. I get the patented reply of, "It will take 7 (seven) to 10 (ten) business days for your request to be filled." Why? I have been put on IGNORE for over 15 (fifteen) and if and when I do finally get a representative on the line I have been told, "You need to talk to someone else" and yet another delay. While waiting I also have been disconnected (more than once) which makes for a VERY INFURIATING situation.

This company is run by a bunch of complete dumb **. Purchased health coverage 3-01-2015, paid same day. Got a letter 3-21-15 insurance will be cancelled due to non-payment. Called company, they can’t take payments by phone. Told to log in online to make payment. I did since it was getting close to next due date. I made a second payment. Both payments now getting credited 3-24-15... looked good right... wrong. They cancelled me 4-30-15 for non-payment. Called so many times to get resolved, each payment was 297.56… One department couldn't see payments. Told to screen shot it and send to another department...

I bought a supplement F plan online, a month later found I needed a prescription plan also, so went back online and got a Medicare complete plan. In May, had a stent installed, a week later got bills over 4000 dollars. Called United Healthcare, they told me I cannot have both policies, and did not honor the supplement plan that would have paid the bills completely, but used the Advantage plan. They continued to take the supplement payment of 183.47 a month from my account, but did not honor the plan. They said nothing they can do. If I can't have both plans together, why let me get them, they say sorry. How many senior citizens are they ripping off on a daily basis? No conscience stealing from seniors with little income.

My employer gave me pretty much no choice but to go to United Health Care. Unfortunately I am on Medicare which means the Medicare Advantage Plan was selected for me. I was told my insurance would be really good because the Medicare Advantage Plan is a PPO. Yeah, right! A PPO is only of value if your doctor will still see you with it.

I have had nothing but good help from them. Fast to OK referrals and they call to make sure I'm getting the kind of car I need. Always a great group. I would recommend them to anyone.

United Health Care reps are polite and professional but poorly trained. They are not knowledgeable & the claims process is tedious & time-consuming due to the constant errors in processing. Unfortunately, I can't change carriers or I would.

In April I started going to the VA for my health care. I had over 400 worth of scripts that I paid for out of my pocket. I filled out the paperwork to be reimbursed for my out of pocket expense and was turned down saying they will not pay a government entity. What the hell??? They will not cover the veterans of the United States? I tried to cancel and was told I can't cancel until Oct. I stopped my auto pay and will not pay them any more money. They have 5 months of payments and have done nothing to help me since I started going to the VA.

I signed up to receive Medicare PART D with United Health Care RX starting July 1, 2017. I had to prepay the month of July $74.30 each for my wife and same amount for myself. A week into July I discovered that the service provided by this company was terrible, both in answering questions as well as being able to talk to them. They even gave me a false phone number when I talked to a man called Moses at the company. He gave me ** which belongs to a spam user.

I have never dealt with a company that is as frustrating as United Health Care. Every time I call this company to check the status of a claim, I am either told they can't find it, it's not on file, I have to resubmit something, etc. Since I take excellent notes of every conversation with this company I stand my ground and insist the information is there. Generally the information then magically appears in their files. Yesterday I asked a customer service person if they have to look at multiple screens or places to find the information and he said, "Yes, it's not all in the same place." That may be what's creating the problem or it can be outright deceit. I think their tactic is to completely frustrate their customers so they give up on their claim. That would really help their bottom line and I honestly think that's what's going on.

I am a biller for a company that is participating with United Healthcare insurance, this company is not only terrible for and to the members but they're horrible for the providers as well. We call to verify benefits upon and before servicing members, if it requires an authorization (which states at the bottom of the form is not a guarantee of payment). It takes 10-14 business days for a response, we call a few days later to check the status and they say they haven't received anything, we fax again, check a couple more days later, again UHC is stating they haven't received anything. Just another way for UHC to avoid servicing the patient all together.

I've been trying to get a medication approved from United Health Care for over 2 months. My doctor has submitted 2 PA forms a 2 Appeals in order to get this medication approved. In the last Appeals letter, we included Genetic testing results stating the medication was the ONLY Medication that works within my body. The last Appeals document, my doctor was very transparent as to reasons why this medication is required. I'm now informed that the medication I'm prescribed to take twice a day, exceeds my medication plan. This is Absolutely RIDICULOUS! When did an insurance company become a physician? When did insurance companies decide what or how many medications the patient requires? I had Blue Cross Blue Shield; I'VE NEVER HAD THIS MUCH TROUBLE OBTAINING THE MEDICATIONS THAT MY DOCTOR HAS PRESCRIBED ME!