UnitedHealthCare Reviews

In December 2014 went to apply for healthcare through UnitedHealthCare. I did not qualify for subsidy or tax credit cause my and husband's income was over the limits. New plan started January 1, 2015. Received my cards after premium was paid $250.25. Had a doctor's visit in late March and was given RX for a rash on face. Received a bill from doctor about 2 wks later stating the insurance refused to pay. (So meanwhile May's premium paid.) So I called them up April 13. The person I spoke with told me that someone called and cancelled my policy February 12 2015. Needless to say I paid for the whole claim out of pocket and paid premiums up to end of May 2015. Never a phone call or written letter in saying why am I continuing pay on the policy I don't have instead just taking my money.

I purchased United Compass this spring and paid more than other plans for the top tier coverage. I pay almost $1,300 per month. I call dr after dr in my area, no one will take the insurance. The current dr I see has told me they will no longer take the insurance. United does not pay them and limits their pay when they do. I am stuck and can't cancel because there is no open enrollment until January. This is fraud and Obamacare is making me pay premiums for insurance that is not usable or I will be fined. I am stuck in a plan because of Obamacare and can't change. This is maddening!

6-23 called and asked to change address for my Father-in-law. Was told to do a temporary change for 1 year. And was advised to take him to an urgent care facility. Urgent care referred us to a urologist. Urologist ordered surgery. United Healthcare would not authorize surgery. They were splitting hairs about wording temporary vs permanent address change. Urgent care vs primary dr. visit. After spending an entire day on phone with customer service, they gave the go ahead for surgery. They didn't send the authorization to the surgeon's office. So I had to call again. This time they tell me the lady I spoke to prior did not have the authority to give authorization. I had already had my husband leave work and take Dad to pre operation appointment. I have names and times of the calls. My father-in-law had paid for and never used the plan in 20+ years.

To all potential customers... DO NOT BUY insurance from UHC! As soon as you need coverage for medical conditions they will find a way to not pay. They use terms like 'plan excluded' and 'not medically necessary' for every possible condition that arises! Just read all of the customer posts on UHC Facebook. Day after day customers complain about all the things UHC refuses to cover. My latest complaint... Vitamin B12 injections for B12 Deficiency and Pernicious Anemia are plan excluded by UHC. I was told by UHC rep that oral B12 would be covered instead. However, with Pernicious Anemia, oral B12 is not absorbed by the body and results in a deficiency that can cause neurological problems. Once again UHC has denied coverage for the services I need. We would be better off to have self-insured rather than pay the outrageous premiums to UHC which provides zero benefit.

On July 19, 2015 I was told by the doctor's office that health insurance for my kids was terminated on 6/30/2015. When I called United they told me it was due to enrollment through NY state health exchange. I haven't received any notifications from the state but I did the enrollment anyway. I was surprised to find out I did not need to do it at all as my enrollment was valid till 8/31/2016. I was calling every day to check the status and every time it was a different answer, that state needs to send them enrollment info, which they did, then it was not the enrollment info they needed. Couple times I conferenced state and United Healthcare to verify the enrollment and eligibility and I was given a confirmation number promised it would be resolved and till today it is not.

This company cannot find my payments after 3 months. All they do is open trouble tickets and do nothing about it. After making my payments they still show me inactive. I have also filed a complaint with the better business bureau. Please do not use them. They are the worse.

After making a three month payment through United Health Care's billing services they tell me that they could not find it because it never posted to my account. A situation that I thought would take 2 weeks maximum to resolve ended up taking 2 MONTHS! For those 2 months I was back and forth on the phone with several different representatives telling me to give them more time to resolve the issue when I was given the runaround over and over again. Finally when the payment was posted I had to pay for 2/3 MORE MONTHS of coverage because my lost payment was only applied to the previous months before.

No wonder United Health Care is cheap and picked up by employers as they provide the worst of the worst. I first called United Health Care as my doctor wanted me to attend diabetes education. United Health Care (888-470-8022) said my diabetes education was 100% covered if it truly was education. After my second visit from diabetes education, I received a hospital bill from Bristol hospital. Upon calling 888-470-8022, United Health Care said I had a $600 deductible to meet before my 100% covered was in effect. In 40 years, I never been let down and lied like I have been the last two years working with United Health especially the OPTUMRX who never deliver my meds as promised.

I have had BCBS for 20 years. I tried going through the Marketplace and found UHC premier Gold Compass to look much better and slightly cheaper on paper. They said in the initial website I could choose my current doctor but turns out I can't. All pre-existing conditions apply. I spend over $1300 per month for my wife and I for insurance which is more than my mortgage and they do not cover anything. I cannot wait until Dec. for open enrollment. They blatantly lied about their coverage, doctors and premiums. They messed with the wrong person now. Affordable Healthcare Act, Obamacare, what a joke. My premiums doubled and my health insurance is twice as expensive. I'm sorry BCBS I hope Congress investigates UHC and finds out they are scammers and crooks. Does anyone speak English there???

It is July and I have not used my health insurance because none of the doctors in network will accept the insurance. I joined because the practice I go to was a top tier provider. When I try to make an appointment - they say "we haven't taken that insurance in years!" I have no primary doctor & without that I cannot go to any other doctor. They show 48 doctors in my area as primary providers. First half of them are about 150 miles away (UHC claims they are within ten miles - NOT!). Next the rest will not take the insurance. Their site says they update the network like once a week. It is summer. I've told them these doctors won't take the insurance & they are still on the site as in network. This is FRAUD!

United Healthcare collected premium after my insurance was cancelled and has not refunded the premium after multiple requests over this month. What are my options for recovering these dollars?

I enrolled with UHC in December 2014. None of the payments I made online and by phone ever posted on time to my account. When I went to make my April payment, my account status said 'TERMINATED - NON PAYMENT'. Called up the customer service and they asked me to email my bank statements to prove that I have in fact made them payments. These imbeciles have such a ** system in place that they take our money, give us a confirmation number each time you make a payment and when we mention the same confirmation numbers or the credit/debit card details, they can NEVER EVER EVER find it in their ** system.

This company never sends notification of anything, at least to me. I have been undergoing cancer treatment since last November -- seeing the same Dr., having same treatments. I saw my oncologist on May 8th & had my chemos, etc. I get ready to have my tests on June 29 and follow up the next week for blood work, treatment and Dr. visit. But June 26th the center calls and says the insurance denied my visits -- no tests, nothing, allowed. The ins. person at the center spent 2 days on the phone trying to find out why before she called me. She was finally told I needed a new referral -- to see someone I had been seeing for 8 months! So, my primary Dr. was gone and 8 days later I finally manage to get his office to send a referral.

In May of this year my husband received a statement from United Health Care notifying him that he owed various providers over $20,000 for visits and hospital stay for the period between 08/14 and 04/15. However, they first paid the bills, then took money back from the providers! Several phone calls did not result in any action; in fact, the "Customer Care" (what an irony!) employees were totally clueless. They seemed to have been taught to tell customers that they will be contacted, and of course nothing happens. My husband sent a letter with full documentation to the CEO, no response. Then he was told that the payments were denied because he has Medicare part B (which he does not). Further, he pays full premium, so it is not clear why Medicare is even mentioned.

I am a provider and I am now down with these bottom feeders. They have weaseled out of their last payment with me for the last time. Consumers who have United can now get in line with the only agency left in town willing to take them. Another bridge burned. Total disgrace.

I recently went to dentist to have teeth cleaned. This is new for 2015. Well, they told me I could keep the same dentist that I have been going to for almost 30 years. So I enrolled. Guess what? They now will not pay my dentist. The customer service agents do not have a clue. They tell you what they think you want to hear. So I am paying an extra $35.00 a month for nothing. But this is the last year I will be with this company.

Signed up for health coverage via the HealthCare.gov website in Dec 2014. The first issue I had with them was that they listed the plan as a "NATIONAL COVERAGE PLAN" then AFTER I enrolled and paid for my first premium they sent me a letter stating that there was a MISTAKE ON THE WEBSITE about the "national coverage" and that my plan was in fact NOT a national plan and would only be effective for providers in the state of Florida! The whole reason why I chose that particular plan was so that I could have national coverage and go to providers in other states where my relatives/family live.

Prior to signing with United Healthcare, my insurance broker & I both contacted UHC to confirm that the hospital where I had my mammogram done was in their network. We were both assured it was. I went to that hospital, had the mammogram & then received notice from UHC that the hospital was not in network & my claim was denied. I appealed & was denied again. I requested an external appeal & that was denied because my "problem" was administrative. So now I am responsible for a charge of $1677.10 for the mammogram. The hospital stated they could not help me with a discount because I had insurance. Yes, I had insurance but it denied the claim.

My brother-in-law who lives with us is disabled and 55 years old. Has had many falls, hospitalization, broken bones from falls. Has Cerebral Palsy and needs the use of a motorized wheelchair. Has Medicare which is horrible and has United Healthcare plan. United Healthcare has denied him for the motorized chair. This denied him quality of life. Has him lingering in a manual wheelchair he can not operate. His doctor is also to blame. Not advocating for him.

UHC did not cover my preventative colorectal cancer screening as required by the Affordable Care Act. I contacted UHC prior to my colonoscopy and was told it was covered at 100% with no cost sharing. I have asked the claims be reviewed again. However, I continue to get the runaround. Every agent I have spoken to has given me a different answer as to why the claims were not paid and my deductible applied instead. I believe that UHC is willfully trying to get out of paying for something that they are responsible for and are in violation of the ACA.

I had knee replacement surgery 8 months ago. The surgeon said he did not participate with UnitedHealthcare which is my Medicare provider. I paid the surgeon's bills in full and have been trying to get reimbursed ever since. UHC says the surgeon is participating. The surgeon's billing office says they called UHC Provider services who confirmed he is not participating. We submitted claims with proof that we paid all the bills in full. But, the surgeon was paid a second time for one small bill, even though I paid all the bills already. They paid me for one small bill saying the provider was not participating. Now, they are saying he is participating, again. I have made about 30 calls to UHC and get a different person every time. They say they are going to correct the problem, and they never correct the problem or get back to me. They don't care about their clients, and if something is not routine you may never get it resolved.

I was billed 350 for an x-ray after paying a 55.00 copay. I called to ask why since on their website that preventative care, at a specialist clinic, it says 100% covered by UHC. They said because my doctor office is considered a hospital because the x-ray machine is in a different room than the exam room. I then asked if there was a facility in my town that I could go to that X-rays are not billed as hospital and she hung up on me. Worst Customer service ever. I will do without health insurance and pay the fine rather than give these jokers any of my money.

I've paid UnitedHealthcare faithfully since January 2015 using their envelope and enclosing their letter stub as instructed. This month they say that they haven't received a payment since March even though the checks have cleared my bank, and last week I received an email from them that I have a credited payment (that email is a first). At no time did the invoices that arrived show I had a previous balance. After speaking with a rep last week, I sent copies of the cleared checks per her instructions. At the time I mentioned that I was certain I was not the only customer experiencing this issue. I was told that I was. I see from this website that was incorrect.

No coverage no cards. My son got this insurance and four months later and several phone calls, he still doesn't have them. Can't get on their website, it says he doesn't exist after making an account and paying his payments. Called today. They said they haven't posted his payment that was made six weeks ago so he's not covered until they do that. Meantime he has staph infection in both legs and if he goes to the emergency room before they post payment they won't cover the bill. Please do not get this insurance, it sucks.

I have been with United Healthcare Insurance since Jan. 1, 2015 thru the Healthcare Act and it has been a nightmare since day one. First, I'm told I have to pick a doctor which I do at the time of my first payment in December 2014. They send me the card with my doctor's name only to receive three new cards over the course of the next several weeks with three different doctor's names on them because for some unknown reason my choice was changed in the system. No one could provide a good reason why.

My insurance changed Jan 2015 - I received no notice - tiers changed. Potassium prescription copay is outrageous; it's just potassium pills and has changed to Tier 4 copay. It is now at 36.00. First there was a deductible and now this. I don't know what happened but I will be changing in October. This has got to be the worst possible insurance.

I have been with UnitedHealthcare Insurance for the past 2 years under an employer sponsored plan (section 125). I have been receiving the same prescriptions during the time I have been on the UHC plan. I renewed my meds this month and was told by the pharmacist the insurance company would not renew one of the medications without a prior authorization from my doctor. I never received a notice from UHC requiring an authorization. Another medication I have been taking for the past 2 years had a formulary change as of July 1, 2015 and a price increase. Again no warning of the change. My co-pay was $65.00 with my insurance and $30.99 WITHOUT insurance. Don't really understand the purpose of having insurance if I am going to pay 2X more WITH insurance. The 4 prescriptions I normally pay $60.00 a month now cost me $146.00 this month.

I was given a script to get fitted shoes for Diabetic!!! (4) months later no shoes, 850 phone calls, 85 hours wasted and United Healthcare Oxford has been fired!!! Mr. CEO I don't work for you!!!

I paid $477 for health care monthly insurance premium on 6/10/2015 via government's market place for July coverage for myself and my son. The company (United Health Care) has taken the payment but they haven't issued health insurance as of 07/10/2015. I have called United Healthcare on 3 different occasions and spent more than 2 hours on the phone to process my health coverage but they haven't done so. I haven't received my ID card or any information yet. My coverage should start on 07/01/2015. Today is 07/10/2015. I have paid for the entire month of July of which, 10 days have already passed. I still don't have my health insurance. I feel very frustrated.

I have pectus excavatum and am now on prescription-strength painkillers 24 hours a day for chest pain. Both my father and brother had to get surgery for the same condition. I have been denied the operation three times now by this awful company. I hope terrible suffering befalls everyone who has any real power in this company, as they are all horrible people.

Cannot manage medications, Poor customer support, don't care about its clients, all about their money. I was butcher by a dpm on my left ankle and foot! When I went back he wanted to cut off the toes he just repaired two years ago! I called uhc for another doctor opinion, and they said ok and approved it, then two days later sent me a letter stating I could not see this doctor, who is rated 5 star for orthopedic surgery! I told them I would only go to the doctor of my choice due to 8 surgeries on this foot! And it cannot be messed up again! I am 59 years old and no more time to keep getting anesthesia! Or remove foot and fit for prosthetic foot! I am going to federal government for help against UHC! They refused help! STAY AWAY FROM UHC!

Seven months into the most trying experience of my life... I found this page. Wonder if it will even help. I am curious as to how many of those posting on this page have consulted lawyers and even gone ahead with filing a lawsuit. Something needs to be done. Strongly considering a lawsuit. My son was placed on an ADHD medication at the age of 5, when we risked being removed from preschool. Please don't scoff and think "oh my every kid has ADHD these days". There are children who have severe issues and need medication to, first and foremost, protect themselves and others from their impulsivities. Medication is critical to their success in social arenas and being able to focus on coping methods on not just a daily but hourly basis. Most ADHD children have many hypersensitivities as well - sound, texture, various fears.

When I went to visit my pcp I gave my insurance card which had my doctors name on It! I received a letter from United health care that I didn't use my pcp doctor and changed it to a doctor unknown to me. I called them and explain what's wrong and said they would changed it back to my pcp. Well they changed it once again to an unknown doctor again! Been with United health care for six months and they changed my pcp four times! Can't wait to change to another insurance company. Stay away from this company. Worst of the worst! Say they are fixing the problem and only makes thing worst!

I left my job in May and while looking for another position was waiting for my Cobra ins paperwork to start in June. I paid my premium for June on the 23rd and they withdrew it right away. However, I was told I had to wait 24 -72 hrs to get my meds because it had to register in their system. Well, many phone calls and 2-3 lies and it showed I was covered for June, you guessed it July 1st!!! I was told "no you have to pay your July premium now of 474 dollars and you still can't get your meds for another 24-72 hours." So, almost 1000 dollars in six days and I still can't get my meds. So I've been waiting and calling and lied to some more about various things and although I paid on 7/1/15 and it's now 7/8/15 I still can't get my meds. And to top it all off I log on to the website to see if anything has changed and guess what, they mysteriously raised my premium to 512 dollars starting, you guessed it, 7/1/15!!!

I am a medical personnel, and I absolutely encourage all patients to not get United healthcare! Please you might as well have no insurance. They deny things left and right. And I'm not talking about just little things I'm talking about MAJOR medical necessities! I've had our amputee patients get denied their prosthetics! This is ridiculous! Not only is the patient having to go through this life altering experience are having the unnecessary stress of some deadbeat deny them coverage and the patient is left responsible for a bill they cannot afford! And if they do approve something they do the bare minimum.

Tuesday 7/7/15 I work for a Durable Medical Equipment Company submitting clinical documentation for review to see if a client meets criteria for equipment. When an item is denied there are two options a Peer to Peer Review or a formal appeal. The Peer to Peer review is when the client's prescribing MD calls UHC (UNITED HEALTH CARE) and speaks with the Medical Director to dispute the denial. This process has a time sensitive urgency which used to be 10-14 days after the denial. As of July 1st, 2015 UHC has implemented a new policy for the Peer to Peer review. UHC states The peer to peer must be conducted by 3 pm on the day the denial was provided. There are many issues with this.

If you think you are getting a deal with this company, think again. After paying 3 months of bills through the mail, I receive a letter in the mail in May saying that I didn't pay for March so my insurance is terminated. Why did they wait until May to tell me this. That means I had no insurance for two months without me knowing. I paid the two months before the grace period and have proof. I made the nightmare phone call to speak to the minions who you couldn't understand and had no clue what they were talking about. So frustrating!! I now plan on emailing the company with a copy of the two checks that I paid and complain about this whole situation and even threaten to sue. I am unemployed and cannot afford to deal with this nonsense. Ridiculous!!!!!

I enrolled my daughter in this health plan last year because it is the only plan the university offered. United Health plan did not send my daughter her ID card until four months after enrollment. In the meantime, we found out afterwards that all her medical claims not filed within 90 days will be denied. Since we did not get her ID on time and was not warned about this very unusual 90 days filing requirement ahead of time, we now have to pay her medical expenses out of our own pocket and UnitedHealthcare gained financially in a very unethical way. We also found out many students had run in the same problem. We also found out that UnitedHealthcare not only charge a higher premium than most, they also pay only 50% of your claims without any explanation. Please urge your school to avoid UnitedHealthcare.

This was a disaster from the start! I initially chose United since it's the only insurance my Neuro accepts that I can purchase online. When I paid my first month's premium, 2 months was 'accidentally' deducted. Well, it's been 6 months AND I'M STILL TRYING TO GET THE EXTRA DEDUCTION FIGURED OUT. They did refund me the EXTRA money they removed but now it looks like I'm behind a month? It looks like when they refunded me it wasn't a refund and now I'm behind? Convoluted mess with something so simple! On top of that, they actually sent a letter to my doctor saying I was behind and she wasn't getting paid? WTH! I have MS and they have actually suspended delivery of my medication because it looks like I haven't paid my premium. I pay every month, on time, and have bank statements to prove it. Yet, their incompetence has left me angry and literally sick. Forget trying to get help on the phone.

This is the worst health insurance company that I've ever come across! First they use my money to pay someone else's healthcare for 2 months, I just recently got 1 payment back from them which took a month and a half, they still owe me another payment. Then they just took out WAY more money than they was supposed to and get this! I never authorized them to take monthly withdrawals from my account!!! Now I just called them and the recording says is open from 7 am - 7 pm but it then says the office is closed?!?! All the mailing addresses are PO boxes! I'd rather go without insurance and get fined at the end of year than give these bottom feeders another dime of my money!! I've called and called and called and the representatives are so full of crap! I absolutely HATE THIS COMPANY!!!

I have insurance coverage since March 2015. I paid all my premiums on time on - 2/25/15, 03/29/2015, 4/25/15, 5/1/15 and 6/2/15. But this is just frustrating that I see that my account is TERMINATED based on NON-PAYMENT. I am trying to pay my this months premium but I cannot do it online now. I called customer service and they said that they cannot access anything as their system is broken. I cannot express how angry I am now. First I pay them all my premium and then I was notified that I did not pay them and they terminated my insurance. This is just a big fraud. Also when I talk to customer service 2 weeks ago, it was said that everything will be taken care of by last week. Unfortunately this has not happened and I need immediate assistance. What an awful and fraud company. I am going to complain everywhere about them.

United Health Care is to be likened to the mob. True gangsters! I do not believe this is what Obama had in mind at all. The plan took so long to be implemented because insurance companies had to find a way to give the least while getting the most. They have succeeded. My husband works for one of the largest law firms in Houston, I'll just give the initials... Bracewell & Guiliani. We have a plan with 5000.00 deductible plus 4000.00 out of pocket. We were signed up for mail order but decided to price our local pharmacy as well. There was a 1000.00 difference between the two for a three month supply of an item needed.

I have been to UHC multiple times for my chest each time they do an EKG and X-ray. I went last night and even told me them that my pain of worse as I walked, stood, and went upstairs etc. along with trouble breathing. The Dr. prescribed me 400mg of motrin every 8 hours like they have every time I go. The doctor also came back and said he didn't know what was causing the pain. He didn't even try to figure it out. If the doctors don't know how to do their job then you need to find doctors that do.

I signed on to United Healthcare to cover my prescription costs. I have type 1 diabetes, so they're in the mid to high range. Now, their premiums aren't bad for what benefits I'd need - $37 a month for no initial spend down, and a slightly higher limit before I enter the donut hole. So I sign up, and as usual for a month or two before the payments are automatically taken out of my disability, I'd be getting bills in the mail. No bills came. When my disability payments on the third month came in, I discovered United hadn't taken their cut. So I called them in March, asking why I hadn't been billed /ever/ for the services they're providing, explaining I never got a bill in the mail and they've taken nothing out of my disability payments like I signed up for. I'm told "Social security is taking care of it" and that I "have nothing to worry about." This lack of payments from my account continues up until this month.

I signed up with United Healthcare through the Affordable Care Act in 2014. Last year, I had no problems with their billing department. Each month, I would go online and submit a payment. This year has been a complete nightmare. With the exception of February and March, I have been on the phone multiple times each month (4 to 5 hours total) to try and get my billing issues resolved. In April, I went to pay my bill online and was told that my account was "voluntarily suspended." This was news to me! After several phone calls (and several hours), an agent told me that the company was in error and that I could pay my premium by phone, which I did. I was given a confirmation number, and the premium was deducted from my checking account. I was told the issue was resolved. It wasn't.

1st payment after initial setup with UHC mailed to PO Box in Dallas, TX, with coupon incl., mailed 06/10/15 for July 1st. Called customer service in PA several times. Kept saying, "Give another week." Was told Dallas, TX no office, was a PO Box only for payments. I am questioning how the payments are processed and by who. Today is June 29th, two days my payment is due July 1st. Can't get straight answer from customer service. Told to wait another week, or place stop payment with my bank and reissue. Ask if there was another address. Was told no. After seeing all the complaints of mailing or online payments not being posted to the accounts, I question why the Insurance Dept. for all states has not gotten involved to stop this insurance company's deceitful practices.

In January 2014, my father fell and was taken by ambulance to the hospital. The ambulance provider claimed that UHC never paid their portion of the cost, so my dad was on the hook for the full amount. Over the course of the last year and a half, I have made numerous phone calls to both the ambulance service provider and UHC to reconcile the difference between the patient co-pay and the insurance covered amount. During my last call on 6/17/2015, I was assured that UHC had paid their portion via electronic check to the ambulance company (they talked directly with the ambulance company; something I had suggested several times).

United Health Care has AWFUL and I do mean AWFUL customer service. Since returning from Hong Kong I needed to get health insurance. What a job it has been to get them to take my money and possibly get me signed up (possibly). I won't go into details. Bottom line: NO customer service. One cannot email them, unless you get special permission from a supervisor. They are too busy to deal with issues. If you have one it is your responsibility to follow up. You should KNOW insurance ease and know what to ask at what point. Ridiculous! Unless you must use United Health Care, run from them. Perhaps all insurance companies are the same, I don't know. It looks like that I will go without coverage for a short time due to their incompetency and inability to get a fax from their mail room on to the system.

Oh boy where to start.. Before I even signed up with this insurance I checked to see if my OBGYN was in network because at the time I was 4 1/2-5 months pregnant.. It said I was in network.. Next thing I know they are saying I am out of network.. I called them to see if considering my situation, they would approve me to go out of network until I had the baby. At this time I was 7 months pregnant.. I am also on medications and I did not want to change doctors at this time so late in the pregnancy..

My primary care FNP requested a CT-Scan for pain in the abdomen, and request was denied due to the fact that abdomen was not distended and the white count was not elevated. Because of denial primary care had to get me an appointment with a gastrointestinal Dr., and he performed colonoscopy which revealed diverticulitis and a polyp. I have been suffering with this since March and was treated with antibiotics to no success. Because I have an unnaturally low white blood count due to chemotherapy, I was denied immediate service. I will be looking at other insurance options in future. This could have been a bad situation had I not insisted on another avenue.

I bought UHC to replace COBRA as an individual policy. My card shows United Healthcare 7 times. I pay UHC. The website to use is UHC. Now I find out that I have Golden Rule. I do not have the same benefits, the doctors are confused and worse yet, their own customer service dept is confused. I checked out specific benefits before I bought this and was assured that they were indeed covered. After endless hours and finally escalation, the answer is "Sorry you didn't understand this." My answer is "I understood what you told me except you told me the wrong thing and now expect me to live with this diminished policy." I pay for their BEST policy. Classic Bait and Switch... Consumer Beware!

I joined United Healthcare through market place on February 2015. From February to May 2015, I made four payments to the plan of $1133.41. I set up an automatic withdraw payment for the month of June 2015 using the online system at uhcexchange@uhc.com. On June, I received medical services and after a week the doctor office communicated me that the health insurance did not pay them claiming that I was terminated from United Healthcare market place plan. I called United Healthcare through market place and they indicated that could not find anything wrong on the system and that my payments were in order and they could see that I set up automatic withdraw from my bank account to pay for the month of June.

Wrong info on the website. The Doctors are mostly, "We do not accept UHC thru Marketplace (Compass)," and UHC have them listed as cost efficient and in network doctors. There is no point calling the Representatives and ask for a Doctor. They also follow the incorrect info which we see on the web as well. Allergy and specialist (Child) is not possible to locate within the area (within 20 miles). I still do not know where to take my child for an allergy issue. They change contract with the Doctor and do not notify us and change to some different PCP without checking with the member. We had prescribed medicines for our Child and they were also not covered. UHC is expensive but a third class, poor service which an insurance can provide. Please a big NO to this provider. I am totally frustrated.

Their list of doctors is out of date and outright dishonest. I called some doctors and it was a wrong number. Other times people answered and had never heard of the doctor. It was a waste of three days. And none of the major hospitals accepts this insurance. Finally, I cancelled this insurance and now use a different company.

Since I switched in January, my experience with United Healthcare has been more frustrating than with Humana if that were possible. I just ended a 45 minute call to the referral service, 3-way calls, labor-intensive and obviously designed to make the process as difficult as possible for not only the consumer, but medical personnel... That way, the consumer will get so discouraged, they won't even make appointments. WE NEED TO VOTE FOR SOMEONE WHO WILL MAKE SURE WE ALL GET THE SAME LEVEL OF HEALTH CARE AFFORDED TO MOST OF THE COUNTRIES IN THE WORLD. EVEN "3RD WORLD" COUNTRIES HAVE SINGLE-PAYER HEALTHCARE. That system allows companies to compete, driving down healthcare costs.

Their website shows up to date payments $1,374 per month for 2 people. The Doctor submits a small claim for a check up. They decline saying non payment. After talking on the phone to India for 2 hours they say they will manually try to fix it and to resubmit the claim. They said they terminated the coverage April 30, but said nothing to me but continued to accept the money. They will not refund saying they will report to my credit bureau, non payment. There is no recourse. This is just the worst company to deal with. I made the mistake of signing up through ACA.

I have had this insurance for only 6 months. And 5 of those months they kept sending late payments. I am never late on any bill. Never have been. So I call. They say "well we do not know what happen." But this time they have went too far. They sent my dr. a letter saying I was behind in payments and if I do not get caught up he will not get paid. New dr. so mad. Do not take this insurance if you have a choice. Will be calling a supervisor tomorrow. Not that that will help.

It seems United Healthcare has something going on. I scheduled for a procedure for my child. And a day or so before the day the provider informed me that upon approval for the procedure UHC claimed that the provider was not "in network" yet at the time of scheduling. They were "in network"? They almost have no specialty doctors "in network". Very frustrating when you have a child that needs to see a specialist. When they give you an "in network" doctor it's either a closed business or a doctor 50 miles away... They will not pay a doctors bill and claim that you were not covered then and when you call they say it was an error. Having UHC is as good as not having any insurance but worse since you have the extra expense of paying the premiums. We have to raise our voices and stop the mess!!!

January 26, 2015 I set up automatic payment by phone. UHC took one payment out, (referenced on my financial institution statement as an automatic payment. During the month of April 2015, I called UHC regarding the statements I was receiving from my healthcare providers; my providers had not been receiving payment. I was advised by the UHC Representative that all would be paid and there was no problem.

My husband died one month ago. I called United Health Care to inform them of his death and to ask them to refund the insurance payments he made for the rest of the year. He died on May 7th. He paid his policy for a year in advance so I figured we should be refunded for May 7 to December 31. I spoke with a rep and she said that a check would be issued for the remaining part of the year and to expect it sometime in July. She then said she would forward me to the prescription department and I could notify them of his death. We were disconnected. I called back and got the most frustrating aggravating upsetting customer service representative ever!!!

First of all, I signed up for United Healthcare Coverage through the marketplace. I checked the list of providers before enrolling & it listed my current providers. It's been one nightmare after the other since enrollment. Insurance cards took 2 months to arrive; had to keep delaying an apt for myself & daughter waiting on them. Found out my providers opted out of accepting UHC, but ONLY those policies specifically from the marketplace. Could not find ANY local providers who accepted UHC marketplace coverage. In fact one dr's office asked me to please call them back if I found anyone, so they knew where to refer people to. They would get calls weekly asking if they would accept UHC marketplace according to the receptionist. Had to resort to traveling out of town for coverage as it was impossible to change plans through marketplace. Found out none of my Rx medications were covered - basic anti-depressant, & migraine medication.

We moved my husband over to UHC after he was laid off from his company of 10 years. The medicine he is taking is not covered by UHC. After calling UHC to request an equivalent that they would cover and providing this information to doctor our claim was denied. I contacted UHC who said it was Optum who was denying the coverage. I contacted Optum who said that UHC was denying the coverage. I contacted UHC with the doctor's office on conference and they then blamed Optum again. So I then made another conference call with Optum and UHC on the line together and they blamed the doctor's office for incomplete forms. These people are a joke. Still do not have a resolution or any direction.

I really wish I read these reviews before I signed up with them. I chose the $300/month Compass Balanced-EPO plan. It said I would not need referrals to see specialists (I do not, but that is an extra $75 if without any referral). Most doctors shown in their network are either no longer at that phone number, address, medical group or do not even accept this plan. I keep getting bills from doctors that this plan was allegedly covering but was not for whatever reason. Hermann Memorial is out of network. I ended up paying a LOT more for the routine services than I did with Aetna.

Mailed a claim in February, 2015. Never received payment. Followed up and was told claim didn't have correct subscriber number so couldn't be processed. I suppose calling or following up would require a bit of initiative or customer service so we know that didn't happen. Sent claim a second time in April. Have been calling repeatedly since then and told over and over that it was in process and/or being expedited. Today I was disconnected. Called back asking for supervisor and was sent to an automated message telling me the office was closed. Called back and was put through to "Executive Support System" where I was informed that the claim was missing all its paperwork and would NEVER have been processed.

My story is like hundreds if not thousands of others. Called UnitedHealthcare to sign up May 11, 2015. Was told they needed first month payment to start coverage June 1, 2015. I paid that day over the phone through their affiliate Key Bank. My payment was posted May 12, 2015 as per my account through UHC. Card with info pack was to arrive by June 1. June 1 came and went. I called after checking my account and noticed Key Bank had posted my payment May 12 but it still showed "Unapplied Payment". UHC stated no problem, it would be applied within 5 days then I would receive a card.

When we enrolled with this plan we confirmed our doctor was in network. After seeing my doc several times and having one hell of a time getting referrals to specialists, I am informed by the prior auth agent for my doctor's medical group that they are not under contract or in network!!! They say they left the employer group two years prior. So, surprise, now no primary care physician! this I discovered after scheduling an abdominal hernia and having it cancelled two days prior. Can't find another primary care doc that can see me until August, so I guess I'll just walk around with a finger in the hole. This is healthcare? On top of this, United Health Care fails to update their accounts and sends letters to the medical group informing them my policy is unpaid, when we had made an electronic payment the day prior to the month of coverage!

I have been getting no response. It's ridiculous..

My father needed to have a CT scan per his doctor to make sure that his cancer (has been cancer free since 2000) had not come back. His claim was denied by United Healthcare. The reason stated was "You have cancer in your nose and throat area. You have neck pain. You have a sore throat and pain in the roof of your mouth. Your provider suspects spread of 'cancer' to your brain. Your provider asked for a CT scan of your head/brain with and without a dye called contrast." The letter goes on to explain what a CT scan is and what a MRI is and then states that "cannot be done for medical reasons and you have a brain function problem such as mental confusion, change in vision, slurred speech or a new severe headache."

I have never in my 50 years had a worse experience than with United Healthcare. Every month they send me a bill saying I never paid my balance and I PAY every month. I have to call and wait on their horrible voice mail forever to have them tell me that they made a mistake. But in the meantime I cannot get anything covered... No prescriptions refilled or having them pay my healthcare provider! THE WORST COMPANY EVER... Cannot wait to change.

I signed up for this insurance through the government marketplace. I never read any indication that I could only use a specific hospital which is 22 miles from my home or a doctor that deals with only that hospital which makes any doctor 22 miles from my home. I chose this plan because it appeared to have a reasonable deductible and coverage and my doctor of 16 years was listed in their provided list of doctors. I made my regular appointment with my doctor who said they have been trying for 2 years to get off this list, they do not take this insurance. Called a minimum of 25 doctors in the list provided by United Health Care, within 15 miles of my home, and they would not take me as a patient.

Paid my June 2015 premium payment on 5/27 by online credit card as before. Payment was processed by UHC on 5/28 but never posted to my account as paid. Did not realize my ins. was terminated till 6/5 when a R/X was denied at the pharmacy. Tried calling UHC Billing Dept. 3 different times that day and was on hold each time for 40 min+, never getting to a rep. Spoke with a rep on 6/8 and was told problem should be fixed in 24hrs. Called again on 6/10 - was told my problem will be resolved in 3 to 4 hrs. Called on 6/11, 6/12 and now again and 6/15. Unbelievable that this is still unresolved!!! This company should be put out of business ASAP!!!

I have been trying, frantically, to get this PA/Exception completed before my 90 day grace period from previous insurance (BCBS) and previous approved meds expired on 3-31-15. I have called, e-mailed, tried to enlist my Dr's office to intervene (which head nurse ignored for so long that UHC denied the PA's twice). I finally got to see my Dr. on 6-8-15 and he vowed he would write the best possible appeal for my condition that he could. I have been trying to find out the status of the appeal since then, because the insurance stated, in writing to me, that two previous PA attempts were denied due to the Dr's office not responding within 48 hours (deadline). I cannot find out anything except it seems to be still in review status.

Never in my life have I had a insurance company that truly makes me feel sick. I chose my doctor from the list that they gave me. He was a doctor I had already had with Blue Cross Blue Shield so I thought I was happy. They sent my card with a doctor didn't pick. I had my HR department get involved to help. They have a approved list PCP that changes like the weather. Cleared that problem up then months later I call ahead to make sure there's no problem. Next thing I find out my PCP had been change and I'm assigned again to a office 20 miles away from my home in a area I wouldn't or have ever traveled. So giving UHC 1 star was one too many. I'm willing to pay more receive better service. Oh I forgot they wouldn't cover any of my prescriptions unless I purchase from their mail order. I can't wait until January.

UNITEDHEALTHCARE IS THE WORST. I hate this insurance company. I have to go down to the courthouse now to sue UnitedHealthcare. I made my payments before the grace periods yet they terminated my account even when they confirmed receiving over $2,000 in payments from me. UnitedHealthcare is scumbag filthy company and I am going to sue them with great pleasure and I will win. Then I am going to go on the internet and teach other people how to sue UnitedHealthcare.

I have been signed up for auto pay through my checking account since February & not one time did they deduct my premium. I have to call them every month and spend at least an hour on the phone with at least 3-4 people only to be told that yes, there is still a problem with their website and to keep trying.

I started with UHC through Obamacare the beginning of this year and it's been a nightmare! I lost my family doctor whom I had been seeing for the past 10 years. They randomly put me up with another primary so I had to set up an appointment for an initial meeting with someone I didn't even like (I ended up having to wait for an hour to see him for 5 minutes). Also I lost my Pharmacy (CVS) and had to find a new pharmacy which is far and inconvenient for me.

I have followed all protocol to get this done but it seems to come down to the same thing - the incompetents of United Health Care keeps on and on and on your entire policy is set up to fail. There is no way to get my prescription filled for leg pressure cuff machine. My machine I have had and used for over eight years. It just got old and wore out, can't be fixed, need new one. This pressure cuff machine has saved my legs because I don't circulate without it and I am in such pain It's impossible to walk. I have to eat ** 30 mg twice a day. Some days this won't even work, the pain I'm in on a scale of 1-10 is about a 15 - this is more pain than I can handle. I can't sleep because of pain getting worse every day.

I have a plan with a $1,500 Out of Pocket maximum. I met this out of pocket maximum in February of this year and UHC is not acknowledging it. They are not paying the 100% that my plan states they should pay and I have numerous Dr. offices trying to get me to pay - saying it's up to me to work it out with UHC. They keep giving me the runaround, and around, and around. It's complete FRAUD.

We are in charge of managing our schizophrenic son's health insurance. Needless to say, we signed him up with UHC marketplace health insurance at the first of the year to what we thought would be a great insurance selection. Needless to say, it's not the insurance, it's the actual company that we have been having problems with. We have made payments on the online system to which UHC cannot find. Imagine that, UHC cant find payments that were made on "THEIR" website???

Through my Husband's company we have UHC. I am so frustrated with them, I can't write this review right now. But bottom line is that today I got disconnected 4 times and transferred to 9 people and have absolutely no information for my question. I am no longer on any medications prescribed by Doctors or go to Doctors because our deductible is too high. My Husband is a diabetic and they wanted $1200.00 for his insulin. I hope we live until January when we can change our plan.

United Health Care just cancel my policies without notice! I sent the payment online every month. They cancel my insurance on May 31st. I checked my bank account and the proof of payment are there. They deduct the money $820. I called them. Took 30 minutes to answer the phone and I ask them why? THEY DO NOT KNOW!! They blame market place, so I called market place. The lady from Market place was very nice and told me my premium looks fine, no problems. She gave me a number to complain. I write this because people need to be aware of this bad insurance United Health Care. I am without insurance now and they took my money too!! The number to complain is in Austin 1-800-578-4677. I am sending a writing letter with a proof of my bank statements that I paid. Hopefully they return my money form May.

Our government is not holding up their end of the deal regarding the new Healthcare Reform Act! In August 2014, our individual Health policy with Aetna Non renewed our plan to satisfy the Healthcare Reform Act. We them went to Healthcare.gov and obtained a policy as we were unable to afford the cost of an Individual plan. We applied and had a new policy through the exchange to expire effective 12/31/2014 per the Healthcare Reform Act. As required in December I re-enrolled, paid a premium, and selected a plan to be effective 01/01/2015 to comply with the new reform. We pay our premium through my husband's business every month and are current in our portion of the premium.

In 2012 my company was contracted with United Healthcare to provide Health Insurance plans. Within our policy there was a provision for Eye Care reimbursement up to $200 re-instating every 2 years. In December of 2012 I went for eye care and had an out of pocket expense of $179 which I promptly submitted properly to them. Note they did not allow for Fax or Email claim submittals, mail only.

No matter when you call them, you WILL wait on the phone for at least an hour. When you finally get a hold someone, they won't have any answers for their glitchy service or any solutions at all. After you pay your first premium, you won't get entered into their system or actually HAVE usable health insurance for the first month and a half. You pay for the insurance that doesn't even have you in their system for over a MONTH.

United Healthcare cancelled my coverage for no reason in March and then proceeded to steal 1703.00 from my bank in June. They do not answer the phone or call you back if you leave a message. I have been promised several times to have a supervisor call me back and they don't ever do it. I have a page on Facebook to gather interest in a Class Action Lawsuit: **

I paid United Health Care their monthly payments on time. However they have not credited it to me and say they have not received. After call number 3, I was told to send my bank statement to them proving I made the payment and the date. After I did this, I called back to check on it five days later to be told they received the bank statement and It will take their research department up to 14 days.

For six months, I have spent over 40 hours of telephone time to find out why Social Security has been deducting $43.80 from my Social Security check for my part D prescription drug plan. United Health Care RX Prescription D plan was my insurance company in 2014. They dropped the enhanced plan and said that they were going to enroll me in their Preferred Plan for $43.80. I said that I didn't want this plan and I dropped United Health Care. Instead I went with Express Scripts. Nevertheless, Social Security still was deducting the United Health Care premium. After many calls to Social Security, Medicare, and United Health Care, I found out that United Health Care had not notified CMS of Medicare that I had dropped the plan so that they in turn could tell Social Security to stop the deductions. United Health Care was still receiving the money.

Is there anything UHC does cover? I am trying to figure out just why I pay thousands of dollars a year for no coverage and a lot of extra stress. Routine physical? Not covered under UHC. Routine chiropractic visits? Not covered under UHC. One BIG scam! Stay away! Consider yourself warned. I am still being billed one year later for routine blood work as part of my yearly physical. Almost $700 for a supposedly covered service. United Health Care is the most dishonest and horrific company I have ever come across.

Trying to get my health insurance figured out - switched from a different company, made my payment. My 1st payment 5/7/15 start of coverage is suppose to be 6/1/15. Called on 5/28/15, why I haven't received my id card yet. Was told payment never posted to the account, shows I paid never posted. Will update account so I can log into online site to print id card by 5/29. Call 6/1, still cant log in. Transferred countless times, ironically usually just back to the start menu. Been at this for nearly 2 and a half hours, been on hold this call for 50+ min with the last person... and all she asks what state, nothing else and freaking transfers me back to the damn start menu again.

I was laid off in January and eligible for cobra as of Feb 1. I paid $736 for one month of cobra online, which adds a $15 fee, so I paid a total of $751. By 2/16/15 my payment had not yet been processed to the extent Discovery Benefits had not yet notified United Healthcare. I called to check on the status on 2/16 and told them I needed to get my prescriptions and was told to pay out-of-pocket, submit a reimbursement request with the receipts and they would reimburse me. In March I submitted the request form and original receipts and in many subsequent phone calls, I was given various excuses as to why they wouldn't pay me back. Finally a month later, they reimbursed me for a few of the inexpensive prescriptions, leaving the $280 and $451 prescriptions unpaid.

My husband had legs procedures last month. We have the United replacement plan (we are seniors) and we paid $50 copay each time. I am next in receiving the exact same procedures and they are telling me that that "can't promise" that I will pay what he did... REALLY!? So I got my left leg done on May 26, last week, paid the $50 copay and now I'm waiting and praying that I don't get billed for an additional $283 because of this.

I tried to sign up for a personal policy with United Health Care after my 3 year Cobra ended with JPMorgan Chase. JPMorgan Chase stated in a letter that came 2 weeks late, that they had a "conversion policy" and they would help me to get United Health Care Insurance for myself. An individual policy. They did not. They tried. They said they succeeded. They did not. I have health problems that have required me to be an inpatient in NYC 4 times in 4 years. I could not get Obamacare because Mt. Sinai which owns at least 7 hospitals will not let patients pass from the emergency care to rooms.

When I purchased in 2009 Part D. you had a generic and branded. Now it's tiers. Most of drugs are put in higher tiers. I can take my prescription to pharmacy without insurance and buy it at a less price. I think AARP and United Healthcare should be ashamed of their self making. People think they are for Seniors when they are in the insurance business. My plan will be with another company in October if things don't change. They don't really care.

I was looking for permanent birth control options. I wanted to look into tubal ligation. I would consider it if it were covered by my insurance. On 2/27/2015 I called the number on the back of my UnitedHealthcare card. The card instructs to verify benefits, view claims, or find a provider, visit the websites or call. So, I called. The representative I spoke with at that time was named **. I asked about coverage for tubal ligation. I was told that it covers 100%, bills as preventative, no out of pocket and no deductible issues per the affordable care act. I was given no information regarding any further conditions or requirements to be met for this level of coverage.

The worst mistake I made in my adult life was choosing United Healthcare for a health insurance provider. RUN, DO NOT WALK. DO NOT SIGN UP FOR ANYTHING THIS COMPANY HAS FOR SALE. My PCP on myself and my children were listed as approved service providers. This was why I chose UHC. UHC has no coverage for anything other than the PCP listed on your account. God forbid if you go to a Dr's office and be seen by another Dr working at the same office (FYI - UHC will not cover you).

I had a claim with United Health Care. The doctor's office called with myself, spouse present. Was given approval for a medical procedure. We had a reference number from UHC. The procedure was covered. Claim filed. UHC did not cover the procedure. UHC said they would look at the phone records. UHC then claimed that the phone call that was recorded by UHC was corrupted. So therefore they won't cover the claim. The company goal is not to pay claims. I am a full pay customer. Do not go with this company for health insurance. They are terrible.

My complaint is primarily with OptumRX but I am calling UHC out as well because UHC owns OptumRX and provides prescription benefits through them. We pay UHC significant premiums and see their in-network docs. The in-network docs sometimes write prescriptions they deem medically necessary. However, when you try to fill the prescription, medically ordered, OptumRX routinely refuses to pay. They point the finger at UHC who in turn say the problem is with OptumRX. It is like being sucked into a surreal alternate universe, a black hole. They will deem, arbitrarily, a medicine unnecessary or only cover a set amount, regardless of what your PHYSICIAN prescribes. It is a pathetic, greedy, immoral game they are playing that causes great hardship to the very people paying premiums and keeping them in business.

What a waste of time it is dealing with United Health Care because after sending the payment 2 weeks early, we cannot get our diabetes medication because they haven't processed the payment. We were told that they couldn't help us but no explanation on why. One thing they did try very hard at was getting next month's payment. This insurance is useless. Do Not get this insurance.

I was diagnosed with a very rare form of skull based cancer. The prognosis is good based on continued medical intervention. United Health Care is my health care provider contracted by Tricare for military and retired personnel. My health requirements go outside the normal network area but only because there are very few doctors who have seen this form of cancer. I was referred to M.D. Anderson in Houston, TX from El Paso, TX. Had it not been for M.D. Anderson's experienced Head and Neck doctor, Dr. **, I would not be writing this.

I'm with United Health insurance since Feb 1st 2015. With their approval and coverage plans, I recently gone through the surgery on 21st April 2015. We already agreed on the plan and they clearly told me and the hospital to go for the surgery. This is perfectly communicated and documented. All of sudden UH came back to me declining my claim cause I have other Insurance, which is ridiculous. I have submitted proof from my previous employer on the termination of the other Insurance and the month (Jan). I have been fighting on this since last 10 days with sleepless nights and they are still unable to resolve nor approve my claim.

Arizona Long Term Care (ALTCS), the underwriting agency, will not replace UHC or fire Mrs. **.

Has anyone else had a problem with United Health Care claiming to have computer issues with automatic payments? I am set up to have my United Health Care payment deducted each month from my bank account, which has been done each month until May 1st. Less than a week after the 1st I noticed the payment had not been deducted so I called United Health Care. They said they were having computer issues and that many people had not had their payment deducted. Yesterday, the 19th I called again because the payment still had not been deducted even though after the first phone call I made sure all my bank info was correct at myuhc.com. This time I insisted that I make the payment over the phone. The customer care person was reluctant to take my payment and said that I could be charged twice. I explained that I would rather pay two times than take a chance on being cancelled for non payment.

At the end of March I called healthcare.gov and signed up for health insurance with UnitedHealthcare. On May 1st I contacted healthcare.gov due to receiving no info, bill, or cards from UnitedHealthcare. I was advised to call them to verify my info was actually given to them so I called UnitedHealthcare to use given. Was told they would not send anything until they received payment. I was also informed I would need to pay for 2 months before I received anything so I filled out all the info again. Was told I would receive my cards and info after I made a payment, and I paid for 2 months totaling $194.00.

I had a root canal on 3/24/2015. This company continues to say they never received my claim. I paid almost $400 out of pocket for this root canal and expected a refund from this company, United Healthcare, when the claim was paid. They have been contacted by me three times and each time except the first they claim the claim was never filed with them. My dentist, of course, contests that and has refiled the claim and I sent them a copy myself and called to see if they received it. They refused to confirm that they received the fax. I am going to drop, not only their dental plan, but their medical insurance too. Who can trust organizations that act like this? Drop them like the hot rock that they are burning a hole in your money pocket.

After my husband lost his job we got united health care then we call and do the things whatever over the phone get a primary care physician and the first guy they gave us did not exist! We called, went online got another phone number called that still nothing we even drove to the address!!! The guy does not exist!! I had an issue had to see a doctor!! Asap!! We call united health care get another guy and call thinking we have a guy now, wrong! That guy hadn't been a pcp for over a year! And the person on the phone told us that she called the place and all was good!!!

United Health Care "without permission" changed me to a MedicareAdvantage program. Medicare had been my primary and Cigna had been the secondary prior to this year. Now there is only one payment, called Medicare Advantage Contractual Write-Off. I seem to still have a substantial patient balance to pay (40%) when I never did have before. Don't understand what happened. I will investigate further.

United Healthcare is canceling policies even if premium payments are made. They don't know what they are doing so the Clients have to suffer. I have a $503.00 Tax Credit. I just received my Silver Compass 5000 insurance cards last week and now this week I'm cancelled. I paid my premium!!! What can I do about this. I need my insurance that's why I signed up for the plan!!! The ObamaCare/Affordable Care, whatever you want to call our coverage is not the problem. UNITED HEALTHCARE is the problem!!!

Oxford Health calculates deductible application through the use of a computer they call the Accumulator. Some time over the past 6 months the computer began to error and stopped recognizing when a subscriber had reached their deductible. In my case, I was receiving expensive radiation treatments on a daily basis. This cause me to reach my deductible limit by the 5th day of the new policy year, but the accumulator did not apply it to any charges for months! I negotiated a reduced price for my treatments with the radiologist group, substantially reducing the cost to me.

My husband and I paid our premiums but wasn't able to get my scripts from the pharmacy and I wasn't able to keep a doctor's appt. After we made payment, was held up for 3 days afterwards from getting the medical attention that I need! Called them about 10 times to try and resolve the issue! As of this moment still not resolved. On the phone right now as I write this review! ANGRY AS HELL.

I've only been enrolled since February and have experienced nothing but frustration. Problems with ID cards -- They tell you to go online to select your primary care doctor, which will initiate their system to mail out your card; BUT, you can't register online to do this until you have your ID card!! I've had problems with benefits -- claims being denied even when customer service tells me that the claims shouldn't be denied. I've been trying to set up auto payments now for 3 months, but no one seems to be able to get it in the system correctly. This month, they debited my bank account twice. Good luck trying to speak to a supervisor -- If you insist on speaking to someone who could actually help you, they put you on hold for 20-30 minutes until you hang up.

I have used some form of United Healthcare Oxford for the last 8 years. My experience with the company has varied during this time period. Initially my experience was ok, they didn't pay for all of my medications but they did pay for a percentage of my out of network healthcare. However, when the health insurance laws changed, my health insurance went from around $500 a month, for individual coverage, to close to $800 a month. While my payment to UHO increase, my services went down. United no longer paid for any percentage of my out of network doctor visits and no longer covered medications that I take. I have high blood pressure. Luckily most of the medications I take have become generic and are inexpensive at this point- so inexpensive I don't think my insurance actually pays for them (I'm talking less than $1).

United Healthcare tacked on $125 annual spend-down on each of my first two prescription orders. I called them and was placed on hold. I was told that the matter could not be resolved if I were to hang up. The call ended when my cell phone battery went dead. I called again a few weeks later and asked to talk with a supervisor. He seemed very helpful. After a lengthy phone call with much time on hold, he assured me the problem was being passed to the people who actually process drug claims. They would be calling me in a few days and so would he. I have received neither call.

I applied for healthcare through the ACA exchange with United Health Care. Money was taken from my checking account on March 26th. As of today I have no health care coverage because United Health Care says they did not receive my initial premium. I've called several times over the past two months and was told the same thing each time. "Your application is under investigation, we will notify you within 24 to 48 hours." I asked if I was covered during this time and was told "Technically you have insurance". And then I was told that "if I need to see a doctor I would have to pay out of pocket, for which I would be reimbursed at a later time." Same for prescriptions. I do not have $400.00 bucks for my prescription, that was the whole point of getting health care insurance!

Huge mistake I made going with United Health Care HMO. Run, don't walk, away from United Health Care! Between the incompetent physicians under contract and UHC itself, nothing gets done. On one occasion I called UHC for referral, put on hold for 12 minutes then they hung up without responding or calling back. Their money comes from Medicare and they waste it on Walmart cards. But that's trivial compared to the mantra, "Do no harm".

They made multiple debits from my checking account without my authority within a period of 20 days for almost 600% of the monthly premium. They still have not refunded the amount they stole from my account!!!

I used to thought United Health was an excellent awesome insurance. But now United Health proved me wrong. They're all for profit. Not caring about the needs of the people. I used to be covered. Now they need prior auth and it has no generic.

Does not take copay cards. They want their members to feel the pain of paying the full copay when copay cards could reduce the cost to patients for their prescriptions. Shame on them! Please let others know. Change your insurance. Make a difference.

I left my position at the end of March 2015 and my insurance was cancelled on March 31, 2015. I received a letter regarding Cobra. I decided to elect Cobra only for myself and not my spouse. I contacted UHC Cobra department to get exact instructions on how to elect Cobra for myself and decline for my spouse. The agent walked me through the process. I declined my spouse and signed up. I paid $435 for April 2015 (as the agent instructed me to do). By April 30th, my insurance was still "cancelled" on UHC's computer system. I was extremely shocked on May 1st when they auto debited my checking account on May 1st for almost $1400. When I contacted them, they said that was the premium for my husband for April & May 2015 and my premium for May 2015. I told them I had declined the Cobra coverage for my husband. And, I had done this exactly as instructed by a member of the Cobra department.

I could write a book on UHG & Optum. The treatment plan that my highly educated, qualified, licensed, and experienced Mental Health care provider submitted was rejected. I called them about starting the appeals process and for the next three months, I was tied up on the phone with. Them for anywhere from 4 to 10 hours a week. They misrepresented statements my provider made. They would ask her question via phone conferences, and then cut her off before she could get more than a few words out. I filed complaints about the way they treated my provider and I complained about them wasting her time with repeated phone conferences that only served to make it appear that there was open communication, when in fact, their minds were already made up. At this point I requested a copy of all notes, memorandums, and reports that were generated from these so called "peer review sessions."

This is a horrible company. They completely lie about who the doctors are in their provider network. I don't use much healthcare (even though I've paid over $15K for insurance over the past 10 years) and did not care about seeing a specific doctor. I understand that with an HMO you need to see someone in their network. I checked their provider list before signing up and was satisfied that I would find a doctor in their network who would meet my requirements. I live in Suburban Philadelphia, there is no shortage of health care providers in my area - we probably have more docs per capita than anywhere else on earth.

Before acquiring this product for my adult daughter living out-of-state, I called to verify there would be no problems with her receiving care in her area. They affirmed there would be no problems, and ASSISTED ME IN CHOOSING A DOCTOR IN HER AREA. Now almost one year later, when she finally needs care but still has not received a card, I was told she was assigned a doctor here whom she has never seen in my state (three states away). There must have been a mistake. A doctor in her area is not an option, and they cannot verify I was ever told that because they don't hold notes that long (a year???). I was instructed to call my benefits department and request her "network area" be changed & told that was my only/best option.

I went colonoscopy and the insurance company refused to pay because they say it was out of network... Even if it was out of network they were still suppose to pay a certain percentage.

I have stage 3 rectal cancer and United Healthcare is requiring preauthorization for pain medication. On the surface this seems reasonable, but it's now taking over a week to get resolved. This is not a new diagnosis, so why they need to review and consider this claim is beyond me.

I signed up with UHC through the Healthcare Marketplace, only to find out they don't cover any of my key prescriptions. My other prescription that they claim to cover still has not been filled due to their constant red-tape, stalling. If you call them, you'll be on hold forever only to get the most worthless customer service reps that keep rattling off their scripted responses about so wanting to help, etc., but end saying they need to turn it over to another department. Meanwhile, they further calls reveal nothing was ever turned over to the handling department. It's like a 3rd world joke where they know they have your money and, so don't even have to address customer concerns.

I called customer service to get more information about "in network" facilities. The reps REPEATEDLY gave me wrong information, leaving me with several bills and denied claims. The reps don't have a clue about what's accepted and not and take it upon themselves to provide the members with false information. Even when the facility was covered, I would get a Physician's fee bill, because they wouldn't be covered. How do they expect patients to determine if the Doctor is in network or out of network when in some cases the patient doesn't even see the Doctor or know who he/she is until the day of the appointment or visit?

This is what happened: I called the customer care telephone number on the back of the card and told them I needed a new card because my PCP was the wrong doctor and the group for the doctor was also wrong on the card they sent me. I was on the phone for 1 1/2 hours and got nowhere. They kept shifting me to someone else, and finally sent me to AARP. I am NOT covered through AARP. I know that when I told them my birth date (I just turned 86) they did not want to talk to me. I am 86, but I am not suffering from dementia or anything else!

United Health Care has the most incompetent employees in the world. They will tell you they did not receive referrals to try to get out of paying. This what you do- have your PCP resend the referrals then they have to pay. When you send in your payments call back the next day to confirm they posted it. They will say it takes 48 hours, just keep at them to make them post your payment. This company sucks.

I would not recommend United Health Care when using a PCP plan. Having to go to a PCP for any and all specialist care is not only time consuming and added cost it's a fight to get United Health Care to accept the referral from your PCP. It has to be entered into United Health Cares online system and then approved which in my case it's been two weeks and it's still not approved. If you have a major issue that needs immediate attention it's not going to happen. If you want a second opinion you need a referral. Stay away from this plan.

I found out that the medical claims are now being processed in India, since 2014. In the United States we take care to protect our social security # and identity. They are sending our personal information over there. I canceled the insurance at once. All my claims are being paid wrong, they say since I still had coinsurance and deductible it should be applied. Some things are covered 100% by the company, they apply it just the same, no matter what my insurance policy said.

In Feb of this year UHC is now forcing us to receive our medications through OptumRx and they refused to accept patient assistance program from my husband’s enbrel which would save us 200 dollars a month. We cannot pay this amount, so without it he would be unable to take this medicine. It took me 8 weeks and I finally was able to get the medication through CVS. But then after 3 months, I was denied again through UHC. Optum finally agreed to take the patient assistance program. I was on the phone for hours with all of this and have it all documented. They tripled our cost of insurance premium this year and even though we have their best insurance our deductibles remain sky high.

I am new to this insurance plan and can't even get past the selecting of a PCP. The first doctor I selected, ** MD based on listings in THEIR provider directory, did not accept their insurance, even though they sent me a card with her name on it as my PCP, I guess they don't know who their providers actually are.

I injured my back over a year ago, needless to say I started seeing a pain mgmt. doctor and was put on **. United Healthcare had no problem approving them. I want to come off them so I decided to go on the ** to come clean and to taper off of them. The insurance company will not approve them!! But they will approve the pain killers. When you want help they won’t pay for it but they will pay for you to get hooked on drugs!! Hey United Healthcare, why don't you make it hard to get the painkillers like you make it hard to get clean.

I was told that my medication was too soon to be covered by my insurance. So I was told to transfer the medication and pay out of pocket and I'll be reimbursed. I transferred it and still ran into the same problem. The United Health Care pharmacy tech told me that she wasn't going to keep repeating herself so she's hanging up on me which she did. Some reps are completely rude and need not be in customer service. They are the worst I've felt with.

I have had Premara Blue Cross and Tricare Prime in the past. And now that I am 26 I had to get my own insurance. I ended up hospitalized so a rep from the hospital signed me up for medicaid... and United Health Care. It was fantastic at first, until it came down to certain prescriptions. I can only get 9 imitrex pills a month for my migraines which are triggered when my blood sugar is too high and nothing else can provide relief. Sometimes 9 pills are not enough. I used to be able to get 90 day supplies of metformin and other pills that help aid with my diabetes. I can only get 30 day supply. They also recently denied my glucose strips. I used to get 100 a month and now they will only give me 50 a month.

I have an HRA account with United Healthcare. I submitted a claim for reimbursement on April 9. I called on April 10th & was informed my dad was not received. I called back on April 11 & was informed that it was received however my claim was denied due to it being a duplicate (I only sent it once.) I spoke with a supervisor named **.... He said he was putting it thru because I in fact sent it once... I spoke with several other people and another supervisor named **... I finally spoke with ** who informed what DUPLICATE met on April 21... My actual dentist appointment was 2/18/2015. I paid for 2 services 1 with my FSA card & the other with my personal MasterCard at $160.. It appeared to U.H. that I was trying to double dip... My dentist even sent over BOTH receipts... I'm still waiting on a resolution.

United Healthcare (my new insurance provider) told me today that I must pay the co-pay for NuvaRing because it is not birth control (my Ob/Gyne would beg to differ) but is a "maintenance drug" so they do not cover it. I'm a lawyer and even I couldn't understand those mental gymnastics. Also, it took them 30 minutes to find a primary today (our given PCP that was assigned by UH said she doesn't accept UH!!) that actually would accept our insurance so that my husband could go to this PCP, just to get him to sign a letter to refer my husband to a urologist to get his vasectomy. Ridiculous. Worst insurance EVER!! Can't wait for October to get the hell away from this insurance nightmare. It's worth paying more!!!

United Health Care refuses to pay for prescriptions that are smoking cessation aids. Even when all other avenues have been exhausted! I hope they are overwhelmed with insurance payouts for cancer for being so stupid in the preventive measure aspect!

I signed up for Gold Compass Plan through the Marketplace website in December last year, I have YET to find a doctor who takes this plan. I signed up seeing my last doctor's name on their website. As soon as they cashed my check, they told me my old doctor cancelled their contract. So then I went to make an appointment with the Dr. that they listed on my card. Suddenly HE cancelled his contract with them. I checked on 4 other doctors today, from the "current" list of providers that they emailed me. ALL HAVE CANCELLED THEIR CONTRACTS!!! I am paying for a plan that I cannot even get a doctor for!!! Their customer service is all outsourced to India so they have no clue what I am going through and they cannot do anything. You cannot cancel marketplace insurance without penalty so I am basically stuck without a Dr. until November.

Unfortunately my employer uses UHC and it almost justifies looking for a new job since UHC covers nothing. I went to my usual practitioner's office for routine blood work 3 weeks ago and got stuck with the entire bill including the office visit and lab work. The same visit and lab work at the same practice was less than $300.00 when I was a self-pay but with UHC the cost is just under $500.00.

My husband recently lost his job and his new job does not have insurance yet. I have a chronic illness that requires expensive medications, procedures, and doctor's visits, so I got a plan through the market place. I paid the premium on February 23rd, 2015. Six weeks later I still do not have health care. I have talked to numerous people in numerous departments who have all basically told me I did not pay the premium. I sent proof of the paid premium, yet somehow I am still a liar. I cannot afford my prescriptions without insurance. I was told I could leave my information to talk to a supervisor. I have done this three times with no return call. I was told I could leave my information and that they would look for my payment. I have done this three times with no return call. Today I was told I never did any of these things, because there was no record of it.

I have been calling United healthcare for 1 week now trying to figure out why a drug claim is being denied. They keep saying that the case will be corrected, and that the card will be turned back on. They have agreed that the customer has indeed paid their premium, and that the problem is between them and OptumRX. Each day, the poor client goes back to their drug store yet to be denied again. Each day we call and are told that it will be fixed in 3 hrs, but it never is. I really get the impression that nobody with UHC cares, and that there is no way to communicate with anyone who has authority to correct the problem. My reputation as a Broker is at stake for recommending UHC, but I feel totally helpless in representing my client. There should be a way to solve problems at UHC, but there is no system in place to act upon them.

My doctor wanted me to rent a traction device for my neck. I called UHC to see if it was covered and was told that 80% would be covered. Then I get a notice from device company saying the UHC doesn't allow claims - ever. When I called UHC, they told me I had to go through an appeals process and when I asked for the recording of the phone call in which I was told the item was covered, they said they'd only release it under court order. This is just the latest in a series of hassles working with UHC. Terrible company.

My husband has been on a medication for two+ years under Cigna. Recently, I had the "bright idea" that we should be on the same plan to save financially with only one deductible, one OOP, etc. So, I switched him to my plan on UHC. My employer pays a portion of my premium, and even with their contribution, I still pay almost $800/month for our plan.

United Health Care "without permission" changed the supplement plan to HMO. Then the representative from United Health Care told me I didn't know what I was talking about; that it had been this way all the time. I don't think so, as Medicare had been the primary and United Health Care had been the secondary for several years prior to this one.

I injured my knee on an extended vacation on Saturday. The Urgent Care doctor ordered an MRI. The MRI facility checks with the UHC online system and it requires a pre-authorization. The Urgent Care facility tries to submit the info for the pre-authorization on the UHC provider phone line and it does not allow it because pre-authorization is not required. It is now Tuesday evening and I have spent about 7 hours on the phone with 6 different UHC employees, specialists and supervisors and I STILL don't have the MRI scheduled. I was even advised that it is better to go to the ER so that you can get treatment. I sincerely believe that UHC is intentionally making things difficult so that I will just give up. I pay $2,600/month for the UHC health plan that has a high deductible. How can they be so inept?

I needed an appointment with the cardiologist. I checked their website (myuhc.com) to confirm that the doctor was in their network. He was. I got a referral from my primary physician. I had my appointment. And then I got billed by the cardiologist for the full amount. The claim was denied because they said the doctor was using the wrong tax id number. When I spoke with the doctor's billing office, they said they have NEVER been in the United Healthcare Network. So their website is wrong and now I have to pay the bill. This same thing happened with two CT Scans. The website said the facility was in network, I got bills for over $5000 because now they are claiming they are not in their network. Whoever is for a class action suit - sign me up.

I went to my PCP, who said that I should go to a specialist for my ear problem. I asked the PCP office for a referral and they said "sure we will send in a referral to UHC." I went to the specialist and when I received my bill from the specialist ($300.00) UHC had not paid anything. I called UHC to find out why and they said that there was no referral. I said I had been told by my PCP office that they HAD SENT a referral and so the UHC and I made a conference call to the PCP office to see if they had actually done that. We spoke to the office person who said she had sent a referral and the UHC rep, said that they did not receive it (what?) so they were not going to pay for it. Talked to several supervisors there who did not care. UHC supervisor and Manager said file an appeal. That's all they had to offer.

My doctor requested a Tier Exception for Omeprazole 20 mg which had always prior to 2015 been the generic substitute for NEXIUM which is a brand drug and hence a Tier 3. However, this year Omeprazole was changed to Tier 3 also. The Request for Tier Exception was denied. Previously I paid $5 for a 90 day supply of Omeprazole 20 mg as Tier 2 and now I must pay $39.90 (40) for the same drug as it is now a Tier 3 drug in the formulary. That is an astronomic increase in price and on a fixed income unaffordable.

My daughter was diagnosed with Crohn's disease last year and then prescribed medication which put her in remission. We had BCBS insurance at that time. This year my husband's work switched from BCBS to United Healthcare, and the latter refuses to cover this medication. After three weeks on alternative medication, one of which insurance agrees to cover, my daughter had all her symptoms back and had to be admitted to the hospital with a severe flare-up of Crohn's disease. Despite this incident and several subsequent appeals submitted directly to UHC by my daughter's gastroenterologist, UHC still refuses to provide coverage for this FDA approved medicine. We currently have to buy it for cash, paying up to a thousand a month out of pocket for it, all the while paying insurance premiums.

I was referred by my doctor to this UHC insurance company and so I filled out my application and paid for it with my debit card. Everything seemed fine. I did my app March 23, 2015... They took my money March 24, 2015 off my debit card and told me my coverage would begin April 1st 2015... and to call back that following Thursday and they would give me my numbers for the doctor and the pharmacy. So the following I called them and ever since then I've been on the phone with them for at least 4-6 hrs a day arguing because first they couldn't find my payment. Then they couldn't find my policy. Next they got my husband’s birthday wrong.

My husband's employer uses UHC. I'd recently left my job so we decided instead of buying coverage through the state marketplace to put me and our children on my husband's policy. First sign of trouble: I kept my maiden name (been married for 16 years) which UHC found suspicious. They needed proof we were actually married. So we navigated that hoop. Both my daughter and I take medication for ADHD--UHC one day refused to cover the safest, non-stimulant, non-addictive medication that was working very well for my daughter. We fought with the insurance company for a month. Our local rep told us it should have never been covered in the first place, and suggested complaining about the sudden denial would alert them to the mistake, "they may back charge you." So we fought some more.

A review for an in Network Primary care physician claim review was declined so that I owe the full amount. Two separate but related specialist claims that are related due to faxed instead of electronic referrals are also currently up for review and I expect they will also be declined shortly.

I had a call in which I was given wrong information. I was told the wrong out of pocket max, and also told after I reached my out of pocket max that we would not have to pay deductibles. This was not true. I have tried time and time again to get the call recording and they ignore me. I even sent in a form with my signature. You get transferred and transferred - long hold times and no answers.

So I decided to go with United Healthcare because it was $60 dollars cheaper than any other insurance… and I got what I paid for - well, almost. 3 month later and I'm still waiting for my refund!!! I can't even begin to describe how HORRIBLE their service is. I got billed from the doctor for what was suppose to be covered by insurance. Talking to customer service is useless and honestly, a waste of time and nerves. ;(( I switched to another provider after 2 month... and it's been 3 month, United Healthcare still hasn't gave me a refund they promised multiple times.

UHC has selective memory. A medicine that's been paid for about 10 years, this medicine is seriously needed. I get Charley horses, acute spasms cramps from the devil for sure!!! This medicine is the only way to fight back, what little help I do receive. They are being exactly like my grandchildren, PLAYING NAME games, like my doctor's report is missing the word acute cramps, OR including chronic pain. YEAH LIKE KIDS!!! Since the middle of Nov, they play! Well this is costing me $200.00 extra a month plus the $240.00 a month!!! THEY need to stop playing, I'm on a fixed budget. I blame that OptumRX for playing with people's lives.

I have been on Testim 1% gel for 2 years and no matter what every time I need to complete the Prior Authorization it takes months. They have denied the claim and then send it to appeals group who you can't speak with no matter what. They have lied on multiple occasions and are rude and unhelpful. I am wanting to start a class action suit and have the government regulate them.

I shopped for insurance last month, United Health Care had the best plan. I asked if my cardiologist was covered since I knew I had a very risky heart surgery coming up and wanted to keep her as my provider. THREE different reps told me I could see her wherever she practices. My heart surgery is 2 weeks away and they denied it three times. They flat out LIED to me to get my money.

United Healthcare is by far the worst insurance company on the market. I have a medically complex 2 year old and they deny everything we ask for or make us jump through hours of hoops to get it. We pay over $1,000 a month for this plan and it covers NOTHING. I want to get a class action lawsuit together against them. My husband is an attorney. If anyone is interested, please feel free to contact me.

I was given pre-approval for a surgery. I got the surgery. Now they won't pay. I have appealed a dozen times. I have called them 200 times. I have gotten every middle-man possible involved. No luck. No justice. Just $150,000 of unpaid hospital bills.

I am never sure what things are covered. It is always a guess when taking my daughter to the doctor if any of her procedures will be covered at all...and this is just for normal check ups. She needed a neutralizer. Insurance doesn't cover which is amazing to me. Apparently breathing isn't that important. Good luck calling them too. The automated prompt will ALWAYS direct you to a place that your representative that can't handle your questions.

Up until my experience today, I have been very pleased with United Healthcare, or at least the Tricare Military Retiree Insurance program it's been handling since beginning of 2014. My last happiness was its approval of my request to see a specialist at UCLA for persistent (not cured by surgery) hypercalcemia. I called Tricare to see if the approval will also cover the tests the specialist is ordering for me, 8 blood tests I had at the UCLA lab, and one urine test that will be done at an outside lab. The first person at Tricare was able to find an authorization for a different procedure, done within my usual medical group, ordered by my primary care doctor at the same time. (Riverside Medical Clinic). But she said she needed my authorization number to find the other one. But when I called back with the authorization number, they still couldn't find it!

United Health Care insurance plan covered ER medical care bills not paid by UHC over a year, sent to collections suffering harassment and threats, adversely affecting credit, repeated attempts to resolve matter. UHC practices denial/delay tactics - strategies. UHC legal department threatens patients with Subrogation, cancellation of medical insurance. Injured at Mayo Clinic Scottsdale AZ April 2012; injured hit twice by a car walking as a pedestrian pushing shopping cart in grocery parking lot. Taken by ambulance to ER Tempe AZ October 2013. Medical bills not paid to date. UHC state they will pay the medical bills; fail to do so causing me harm and damage. Credit bureaus state, when paid medical bills are paid by UHC, adverse consequences remain on credit report for years.

I bought this lousy health Insurance because I had to. I cannot find a doctor in this network to even take this Insurance because its HMO. Now I HAVE BEEN TO THE emergency ROOM TWICE. I TRY TO CALL THEM, I GET TRANSFERRED, hung up on, or disconnected. Horrible customer service. Now since I haven't received my bill, of course they are closed on Sunday, very inconvenient for me. Trying to pay online, can't even do that. This site is not very helpful at all. I am so frustrated with this Insurance. Come October It will be gone!!!

I'm at my wits end. How can you refuse a cat scan to a 41 y.o. with a large growth on neck.

My mom has had UHC for quite a while and they have always had an issue of applying payments which are paid automatically from her checking account. In January we receive mail notification that she would be cancelled because they had not received her payment. We called and verified that they were receiving payments that they were just slow to post... a known issue they said. They also increased her premium $2, I hoped it was being invested in process improvement!

We have had nothing but trouble from the very beginning with this company. The latest problem involves their computer system, I could not get my medication last night because United Healthcare stated that we have Medicare Part B and my husband and I are not even 65, something was put into the system that was incorrect. We got the pharmacy issues straight however, my husband has to cancel his orthopedic appointment because it will take until the first of April to fix this. Serious, he has infection in his knee and he may need surgery to remove the infection to prevent a septic knee. However, he cannot go to the doctor. I paid a premium for coverage I do not have.

After being switched between four people I asked for a supervisor. Was put on hold and disconnected. Even the foot doctor Dr ** who is on your plan won't accept your plan for payment. Says you people ok the work then bill him back. Please call me. I need answers why. They're for custom orthotics for my bad feet.

If there was a way to give less than 1 star I would. When my employer made the switch to UHC they immediately denied coverage on a medication I'd been on for 4 years. After following all their hoops to jump through to get back on it they still denied it. I had to try other medications first so I didn't and they did not work still they refused to cover an important medication I had been on for 4 years. The other ones just didn't work so I had to pay out of pocket for the original one that they wouldn't cover. Finally I became so fed up and I work for my families' business so I threatened to move our 2 companies' policies. Finally they said "oh looks like you have tried the alternative medications so yeah we will cover it" after paying $1600 out of pocket over the last 3 months when they "should" of been covering it.

Bought a policy, in part, because of 2 providers shown as in-network and accepting new patients. Neither was available: one was not taking patients with my type of policy and the other did not accept any HMO. Wrote the company asking that the directory be corrected and suggested that including providers that did not accept policies was or at the very least, misleading. Got a reply saying that yes the doctors were in the directory and they were doing nothing about updating the directory. The author of the letter used a first name and initial. Too embarrassed to use her real name? Clearly the company knowingly misleads prospective customers. What happened to responsible behavior?

(For my husband) 3-13-2015 2pm set up appointment for MRI. MRI facility called MD's office to pre authorization (UHC manual says we DO NOT NEED IT). When we got home I called UHC to see if it was needed. Well the book is WRONG. I do. So I get **, fresh as can be to help start the process. She tells me to call on Sunday night and I will get the pre auth. 3-16-2015 spoke with ** at UHC, if I call on Tuesday around 12NN I should have the pre auth information I will need to have MRI. 3-17-2015 I call UHC and speak with **, explained the situation and she got her supervisor on the phone, **, we are on a conference call. At this time the MRI is DENIED.

Started with optum rx dipping into my bank account. I complained on this site, received A call from ** to try and straighten things out and she pulled another $10.00 out without my approval. I'm quite sure they have all conversations on tape so that my complaints are verifiable. The last time, (February) I ordered insulin (from Walmart, I no longer dealt with Optum rx), it went from $45.00 per vial to somewhere near $245.00. I with went A much lower dosage until my wife and I were able to transfer to Kaiser Permanante. What A difference in professionalism. We spent best part of A day going through various parts of Kaiser, which included A quick visit for an unending cough. Finally have A health care where the word CARE actually has meaning. Thanks.

Our company has been using United Healthcare since 2006 and I started using it in 2010. While prices and laws adjust, our health insurance company adjusts with them (as they would be expected to). However, since I am a consumer and not a healthcare professional, I do not know what my health insurance company will plan to do when it comes to how my medication is handled. United Healthcare has my email address, my phone number, my mailing address, my work phone number, my work email, my work address. They know my coworkers because it's a small business of 10 employees and they know our account manager who chose United Healthcare, but they fail to make a single form of contact and have absolutely NO RESPECT for what happens when you stop medicating someone who is on a treatment program. Here's my track record and why United got a 1 star:

They are irresponsible with care for their members and their health. My physical therapy was declined despite having surgery, the benefits and a letter from my dr proving it's medically necessary. They lie and falsify records so they don't have to pay the benefits. Do not accept an employer that has this insurance. A nightmare and just stupid!

I had surgery set for March 11th. As I was heading home, I received a call from the doctor that surgery is now declined. To make a long story short, how can they decline surgery the day before when someone has their whole life surrounding this? The reason was dr. was not in the network. This was the original emergency room surgeon. Help please. Work has scheduled around me, same with family.

After only 5 of my 20 chiropractic visits for the year, I revived a notice that I had reached maximum benefit from this therapy, and was denied any further visit. All premium search paid in full. The Dr office informed me that United had done this to almost all of their customers. But none of the other insurances had cut off patients from coverage.

My company switched to united health at the first of the year from Cigna. Now every time I go to the doctor or try to get my Rx filled I have to spend hours filling out paper work, faxing it back and forth in order to get them to pay. 4 hours on the phone last Friday just to get my Rx approved, an Rx I’ve had before I had united health. Cigna health is a much better company. I wished we had never switched!!!!

I'm feed up with UNITED HEALTH CARE TRANSPORTATION service. NEVER on time, ALWAYS LATE to Dr. Appointment. You need to have a massive job hiring for more drivers. When I finish all my appointment it's time to find a different insurance.

I was sent a box of medical supplies I did not order. Now they are billing me for the what they sent. The Provider I have provides me with the same product that my insurance covers as needed. This company just sent it to me without my request.

I am an international student and I had many health care insurance before. United health care is the worst I had so far. They denied to cover for all of the expenses for my ENT treatment. They also cover very little portion of the medicine. When I called their customer service I waited so long to connect with a customer representative. They are not helpful and informative. The last representative I talked was rude. I don't recommend this company to anyone.

My son was approved by United Healthcare Community Plan to be admitted to a 28 day in-patient substance abuse facility. After 3 days, they decided he was fit to leave. They have denied 3 appeals. Tomorrow is the last appeal with a doctor who is obviously being paid off to deny it. My son is in no condition to leave the facility. This is a very risky decision on their part. If anything happens to my son, here it is in writing that UHCCP is at fault. This is a potential lawsuit waiting to happen.

I have been on this medication for 7 years. Ever so often the insurance requires a prior auth. My doctor informed me that they e-filed the auth yesterday. A prior auth is when the insurance decides the medication is too expensive so they want to know if a patient really needs it. They require the dr to submit a form, then the insurance companies' doctors decide if I truly need it or not. What! Why would there be a doctor who has never met me be making decisions on medications that my actual doctor prescribed? So now I wait close to 72 hours for the auth to go through and I have to be without my medication for that long as well. This is not right! They want an auth fine, but it should go through that same day! This is a medication that is crucial to my Recovery. A lapse in taking it could result in a hospital visit. That can't be cheap on my insurance.

A TV AD this morning was telling people who need a Medical Alert device that one could be provided FREE!!! So I called the number and sure as life it was a con. The answering unit asked a few question about other needs and then asked if I needed a Medical Alert Unit. NOW IT'S ABOUT A DOLLAR A DAY. WOW! HOW IS THAT FREE!!! To be fair I am the CEO of ** formally known as ** and we where formed to provide alert systems to people who could least afford it. We just reduced the cost from $15 per month to $10 per month for the first 12 months (as the equipment cost is $60) and after that the cost per month comes down to $5.00 per month to monitor for life.

I have been trying to see a specialist for over a week now. The problem is the insurance company will not give me a referral. This has dragged on too long. The first time we drove 200 miles round trip I was told they would not give a referral because the wrong doctor was on my card. I called and got that changed and then we drove 200 and was told that you had not sent the referral.

We converted from Highmark (Western PA) to United Healthcare for 2015. We are so disappointed. First it took weeks to get our cards. Then they had our PCP's names wrong. That also took weeks and mass confusion. Now all our claims are getting denied for very confusion not clear reasons... Very Very Very unhappy... Go elsewhere...

Apparently in Dec, many folks premiums were lost some place, I call even this week, and they stated they are still investigating. If you call any company, keep a record when you called, who you spoke to, exact time is important, apparently great many payments were lost. I cannot get any report exactly what united healthcare drug dept is doing. And they will claim they have called you back which they have not, the corporate headquarters phone number does not exist, all you get is some number that claims they are. United healthcare changed their billing instead of payment books, not monthly billing. United health does have a consumer affairs dept but refuse to believe their employees do not call folks back. I have remind them that are dealing with folks that might have a hearing problem or medical problems.

UMR sucks, very horrible insurance, provided by my hospital. My wife was losing hair after pregnancy, called her OB and she called in a prescription for TSH and free T3 and reason was put in a hair loss. The insurance has denied saying it as cosmetic procedure, I have appealed and asked documentation to be provided by the physician, and after 2 1/2 months, they want more information, office notes from the physician my test results. The people are low lying, filthy, rotten people, who just want to suck the money out of us and don't want to pay for anything.

I have two complaints to list starting with no offer of coverage up to and including today's issues which were: I have had the policy eleven months I have no policy. They have not honored my existing policy. They have sent no notice for premium increase, change of deductible, change of copay's multiple formulary changes - all with no notice and no policy. They continue to deny claims saying I don't have a valid policy. Then like today I spoke to over twenty people including four supervisors and they validate coverage, reconsider the claim and then pay it. Six hours today alone with twenty different reasons.

I have had cluster headaches for over 20 years. I have been to several doctors and know exactly what has to happen and the medicine needed. I have been trying for a week to get United Healthcare to approve. We have spoken to numerous representatives. I have tried multiple types of medicine and only one Maxalt works. They will only approve 4 tablets because they want a less expensive generic drug. We were willing to try any of the recommendations. The doctor wrote a prescription and now they won't approve. I've been collectively on the phone for many hours trying to straighten this out. The reps are Indian and we can barely understand them. I've never encountered such a lack of concern for a customer.

I have been calling United Health Care Dumb ** lol For the last few days about getting a reimbursement on my eye glasses and was told that I would get whatever money that I paid out of pocket, but that was not true, so they came back and said am sorry about this miss so so we don't do that to people, we care about our members and we come first LMAO..... When customer rep said that, I laugh so hard that I wet myself lol so he ask me why was I laughing and I told him he was full of ** and ask me if I would like their legal dept phone number and I ask him was he high? lol and why would you ask that stupid question? He inform me that he did not know why he would ask that. I ask for corp office. He said there were no corp office at all and you can guess what happen after that - he inform that he could not help me and that he did not know what to do lol.

They have an online list of primary care doctors but when I call the number provided for the doctor I find out that either I have the wrong number, the doctor is not practicing there anymore, it's not a medical office anymore, or the doctor does not take my health insurance anymore. I called Customer service and they told me that it's the doctor's responsibility to update them. Some of those doctors I called haven't been taking this insurance for years!! How is it not the responsibility of the health insurance company to tell you which doctors are in their network and which are not.

United Healthcare is a horrible company. My husband is employed by a national company and they are insured through UHC. Every year for the last three years our premiums have increased and our benefits have decreased. UHC's service is horrible. Their service reps never know what to tell you and you will ask the same question from three different reps and get three different answers. My husband has had Halcon injections in his knee for over three years now about every six months.

I cancelled my coverage with United Health care in Dec of 2014. They said that they were going to send me papers to confirm it. Well they didn't. So I just assumed it was taken care of. Well on the eighth of Jan they took out the premium out of my checking acct. Then on the 6th of this month they have taken another one. I have been calling, emailing, and writing letters and cannot get any answers as to why they are still taking my money. The first person that I talk to said that it showed where I called and cancelled. And the another one said the same. I clearly stated that I changed my coverage to another company and it would go into effect 01-01-2015.

7 years I have been going to same doctor, then had an MRI and CAT scan only to find out my Health Center had been dropped by United Health Care. Now I pay 5-700 a month for Insurance premiums. I now have to pay for anything that I get done at my doctor's office. No such thing as a close PCP unless I travel 4 hrs or 200 miles. What is going on with this Insurance company? What right do they have charging high insurance rates and then not having to pay anything. Seems like good money going down the drain since it will never come out of their pocket. And our government approves of this?

My health ins company is United Health Care. Every time I need to use it if is not one thing is the other. Today I took my prescription to Walgreens. Metformin ER is a medication to control my blood sugar levels one more time. This is what I got instead of getting my medication. Please call 866-236-1495. It requires prior authorization. Seriously after paying every month for insurance this is the last thing I need to.

I am quitting my job this week to secure a lower paying job that offers better insurance than UHC. To date, they have denied payment for an emergency CAT scan; denied several prescriptions - some that my wife and I have been on for many years, and have not responded to any of our complaints. Oh.. and our premiums went up and our deductible went from $500 to $4000 (for each of us) this year. UHC dental has also decided to pay for virtually nothing at all this year.

Tried repeatedly to have them correct my PCP..... since January 1, 2015..... still not correct and I have seen my PCP 4 times. Finally they paid the old claims, but the most recent denied.... why, you ask.... I need a referral from my PCP to have my PCP, WTF.... you are given incorrect information which resulted in me now having to pay a cardiologist over $1500... why do you ask.... claimed not to received the referral, even though I received in the mail their agreement that I needed to see the cardiologist.

My 14-year old has hypothyroidism. When we were switched to United Healthcare, we were able to find some but few good doctors available through their plan. That was one year ago. Since then, all of the providers have dropped United Healthcare, stating they are too difficult to work with, do not pay claims. My daughter has had to switch pediatricians, and endocrinologists twice this year and is currently without a pediatrician because all of the doctors they list on their site as being part of their group have withdrawn. I only found this out after countless days of leaving messages for these doctors, only to find out they do not take United Healthcare any longer.

The agent from United Health Care lied to me about what drugs were covered by them to get me to switch to them. These medications are not medications you can just stop taking. I told him specifically if they don't cover my medication, I will not switch! But he looked me in the face and said all of them were! They HAVEN'T COVERED THEM YET!!! But Medicare covers them!!!

According to my benefits, all preventative care should be covered 100%, but I received a bill for my last annual. So I called benefits to verify, and they said it should be covered. Then I call billings, and they tell me it's not covered. I asked what changed between my last annual and the previous years? I've never had to pay out of pocket for my annual physical. So after some back and forth calls, I'm finally told that their rules changed last year and the blood work I had done is not considered "preventive" anymore. If they're going to make up new rules, they should at least communicate this to benefits so I wouldn't have to deal with all this circus crap. I did some research online, looks like there are others in the same boat... I'm very upset and disappointed with UHC. I hope someone stands up this corporate bully!

I have cancer of the blood and changed to United Health Care. There is no cure for this disease, however one drug (only one) helps mitigate the progression and some symptoms. The doctor prescribed it, but they have refused to pay for this drug even though it's Medicare approved. They called my doctor's office on a Monday and he didn't return the call the same day so they denied my request for an "exception." Do not sign up with United Health Care, their focus is not on their members' health, only how to avoid paying for your medical services.