UnitedHealthCare Reviews

On the phone again... Next up, NEVER GOT REGISTERED for the prescription plan... paid for it, not registered. Hours on phone again calling everyone in the universe to go back to... You guessed it. UHC!!! They put a ticket in and finally got number... no card yet, now CVS tells me I need 2 other numbers now!!! INCOMPETENCE is what is costing us so much money!!! Holy smokes, back on the phone again, I am about to blow my cork over this!

So I tried to write a new message including my son's name, birth date, and the problem I'm having. However, their messages only allow 250 characters, so it is hard to include all the relevant data. I tried to locate an email address I could send a more detailed message. I did find an info@optum.com, but my message to that address was not replied to.

I've called their helpline too. Actually, they have an option via the site to have them call you for help. I selected that option and I got an automated call immediately. It said to press a key to connect to an agent. After two minutes on hold, it dropped my call. I found a number online and was connected to a 'specialist'. They admitted the site was having issues, but that it should be fixed soon. That was 3 weeks ago.

I tried calling a few times since then, but no agent could assist me in ordering for my son. During the last call, the agent indicated the site should be fixed. Nope. He seemed confused and I think he was talking to someone in the background who was coaching him what to say. Obviously another 20 minutes wasted talking to him. Their site is a joke, and they should be ashamed of how poorly designed and unstable it is.

They didn't pay the hospital because they said they didn't properly pre-register something which helped us in fact because we didn't have to pay a big balance, but on the other hand they also shafted Us by sticking us with the ambulance bill. First they said that it was not billed properly as an emergency pickup. After contacting the ambulance company twice and having them rebill them twice we didn't hear from them and thought everything was fine. Then last July we heard that it was being denied because the ambulance company was out of network.

United Health Care told us we should definitely appeal the decision because it was totally out of our control. They told us we had three days to appeal and immediately we sent out the letter. A few weeks later we got a letter stating that the appeal is being considered. Then just a few weeks ago we heard that the appeal was denied because the time limit had run out. They purposely strung us along for over a year so that the appeal could be denied. They should have told us immediately when we first received our bill that the ambulance company was out of network because they should have known it and more than likely they did know! They were just stringing us along so that we could be denied in the end.

So in fact they paid no one, not the hospital, not the ambulance bill and shafted both the provider, and us with an ambulance bill of over $1,000. We contacted the Ohio Insurance Bureau to file a complaint and are waiting to see what will happen now. Insurance companies are scum and should be all taken out of the mix and Universal Health Care should be the law of the land.

After literally FIGHTING with the both of them on the line for several weeks, I was finally given a member ID number and Group number in SEPTEMBER... but wait - when I tried to check in and get a card, I couldn't find any information. I was then told by VZ Benefits Ctr that my policy was not in the Advantage Care Plan (which I had filled out the paperwork and paid for), but that it was in UHC COMMERCIAL insurance Department.

The supervisor at VZ Benefits Center was scolding me for applying for that type of policy when I should have been submitted under an Advantage Plan. I had to practically scream at her that it was HER employee's mistake - not my request - that I was put in the wrong section of UHC. Here we are 4 weeks later and I still don't have a membership card, I cannot register online, I couldn't find an up-to-date list of doctors on their website, and when I call to speak with a rep to get a card I'm asked if I would like to schedule a call-back. The call back will be in ONE HOUR, but after I leave my number and the recorded idiot is reading it back to me, it cuts me off mid-sentence and now I have to start all over again?

This is the MOST awful insurance company I have ever dealt with. And shame on Verizon - your Benefits Connection call center employees are NOT doing their jobs well and the supervisor I spoke with was incredibly rude and blamed everything on ME. When she called me back, she was cold as ice and so impolite. Don't know who was worse, as I said. If you have a chance to choose another company, stay away from UHC. And their website is almost always experiencing technical difficulties. I encourage everyone to call their State Insurance commissioner and complain about their issues.

I called and have been waiting for over an hour and counting to speak with a UHC representative. I think that UHC purposely does this hoping that the member will give up and hang up because the member doesn't have the time to wait. However, today I do. We will see if they ever pick up. I will try to update this review later to let you know if they ever answered my call.

I thought I could solve that problem if I switch back to Horizon. So two days ago, I requested to change back to Horizon (I was with Horizon and made the mistake to switch to UNITED HEALTH CARE couple of weeks ago). Horizon used to provided me with the 5 mg medication for year and half with no one problem... But unfortunately you can't switch HMO easily, any request after the 15th of the month is processed the next month. So today is September 1st, I made the change request 2 days ago but I will have to wait until OCTOBER 1st to have it effectived. I am done, no medication supply, I need my daily medication but I have ZERO supply and there is a long weekend coming!! HMO are closed for holidays.

This company sounds too big for them to handle. I was told can’t refund money due to it being cancelled. Paid 2 months even told me I had a thirty day grace period so I should have till May 29th to make next payment. But they cancelled my insurance at end of April for non-payment. But now they can see both my payments which covered March and April and have 30 days to make next payment but cancelled in April. What aren't they following, they gave me no insurance, took my money and said, “Screw you, can’t help.” No card. Called a few times, told it sometimes takes a while with the market place to start insurance. I paid, should have insurance immediately. This company are scam artist. Looking at all complaints on here a lot of these sound very much alike. Take money, nothing in return. Or half ** coverage. UNITED HEALTHCARE IS A GIANT FRAUD COMPANY!!!

Shortly after the switch to United Health Care, I found myself filling out more forms in doctor’s office and signing more papers stating that if my insurance did not pay, I would. So when United Health Care denied claims and told me my obligation was $0 that wasn't exactly true because I'd already signed papers with the doctors stating I would still be obligated to pay. I don't blame the doctors though, they need to be paid for their services. Also, I have found that some of my doctors are completely opting out of Medicare which means I can't see them anymore at all but my husband still can. He is not on Medicare so his policy is an HMO.

I then immediately cancelled our membership after having paid for both my wife and self. No problem since I was within the period in which I could change. End of July I receive a bill for two payments of $74.30 claiming I owed that much for July and if I didn't pay up it would go to collection. Not wanting to jeopardize my credit I paid again and tried calling them to receive a refund for the double charge. Cannot talk to anybody who would be able to take responsibility and talk to me. Have all receipts as cancelled checks both for pre and post July as well as confirmation number of the cancellation. Thank you!

Finally, they receive the authorization, it gets approved, patient is serviced, claims deny as not a covered benefit. Even after calling claims department, authorizations department and going through our provider representative, they still refuse to pay the claims because "Authorization does not guarantee payment". What good is an authorization, if you're not going to pay the claims? Also, patients will come in, and we know, for example, an E0118 is not a covered benefit, it is NOT on the Medicaid Fee Schedule, which UHC states they follow, they tell the patients that it is covered and that we're liars. I have personally billed UHC for an E0118, providing the authorization and names and reference numbers of people we spoke to at UHCC along with the claim. They deny as not a covered benefit and when you appeal it they still deny it. Currently, we're one of the many providers being underpaid on multiple claims.

This has been an issue since 2014 (that we're aware of, who knows how long before I came in that they were underpaying these claims), and we have PROOF and a CONTRACT that states EXACTLY what they should be paying when a CLEAN CLAIM is submitted on a 1500 form with ALL documentation attached, and they deny it for "no documentation attached". A previous employee of UHC explained that when paper claims come in the door at UHC, they detach the documents from the claim, the claim gets entered and the documents go somewhere else. Since January of 2015, ours and many other companies have been taking many loses with UHC. They always give patients and providers wrongful information, and we're told that ad providers were to be held accountable.

I would never ever suggest this insurance to any member or, I've already got my family members to switch their insurance, and due to the underpaid claims, we're no longer accepting UHC patients. Our patients are loyal and have already decided they're switching insurance so they can stay with us. I hope this review will help deter people from picking this insurance company, nothing will ever change our minds or make us go back.

I've spent countless hours, countless weeks, my doctor has spent countless hours, countless weeks submitting your paperwork. EVERY Time I call United Health Care, I'm transferred to a new person, new division, I'm told to submit new paperwork, I'm told to fax new paperwork. My pharmacy is caught in the middle of this disaster, they are only trying to fill the medication I've been taking for over 4 years, and United Health Care is making this task IMPOSSIBLE!!! This is ABSOLUTELY THE WORST INSURANCE COMPANY I'VE EVER HAD TO DEAL WITH! Their Customer service representatives are not helpful, in fact they are RUDE! I've requested to speak to someone on the corporation level, only to be told, that is not possible.

Talked again with them today and they gave me two names of a nurse practitioner. Called those numbers and those two NP's are not even working at the office anymore. When you need mental health, it is impossible as their lousy list is so screwed up, i.e. wrong #'s listed for doctors, you put your zip code in and it may pull up doctors in Houston, when it specifically says they do take this substandard cheaper than dirt insurance on the website, you call and find out they do not.

Verizon has really screwed over its retirees by putting them under doctors and Optum is an absolute joke. They still haven't paid ME back for all the times I had to go out on my own and find another doctor as I paid out of pocket. This is a doctor's office that takes traditional Medicare, so they do not file with United Health Care Medicare Advantage, but United says I can file a claim myself and I will be reimbursed!!! Yeah, when hell freezes over! I have this sorry substandard United government run crap of insurance. Your employees were loyal to you for 40 years and you put them on the lousiest, cheapest insurance you can find.

I checked and the coding is the exact same for both surgeons. So I am under the impression, if United Health doesn't want to cover the costs, they can say the coding is incorrect and not cover the expense. This has also happened with 11 visits to the physical therapist that treated me after surgery. So far United Health has denied over $8000.00 of benefits. I paid for the insurance but I guess it comes down to coding if your costs are covered.

Today Member Services said the National Experience Center could help, but this office would not accept new calls. While I had no complaint about the actual doctor experience in 2016, UHC member services is set up to avoid a quick resolution. This company seems to be gigantic. You can never get the same person more than once, that person expresses empathy but cannot resolve a problem! The buck stops with nobody. This company should be either dissolved or completely reorganized with "customer service" in mind. There is no excuse for the way they treat consumers. My next step is to call back in 30 more days. UHC management: are you listening???

I spoke to a manager at UHC again and she is resubmitting the claim. I can't afford an attorney to "sue" the hospital because for a few thousand it would not be worth an attorney's time. It is ridiculous that UHC won't investigate my medical records and ask for funds to be returned to them, they just went ahead and paid the bill even though I did not get all the services. Another thing, home physical therapy came to my house a couple of times for a few minutes and they we canceled physical therapy. They charged as if I had spent hours with them and UHC paid that also. And they wonder why premiums are so high in the US. Sucks.

Example 2: Patient B also has AARP Plan 1 HMO. She has many claims denied because the provider did not state the time spent on procedure codes. After much back and forth, and addendums, most claims were paid and some still pending. However for 1 DOS, we received a denial because OPTUM alleges that requested info was not received, even though we submitted it on their online portal, Link. We called them to tell them that we submitted the info requested online, giving them the ticket # **. We were told it was rerouted for review and to give them 15-30 days.

We rcvd notice from OPTUM about a week after stating "requested info not rcvd." Called OPTUM again and was told that the claims review team denied it because they are now confused with all the dates on the clinical notes submitted. The claims review team (which is unreachable) is perplexed by "date of daily note," "date of injury/onset/change of status," "date of original eval," and "date of birth" all being on one piece of paper. The only way to resolve is if we further submit an appeal or submit another reconsideration. Why do we need to file an appeal for a mistake clearly made by the insurance? Issue: Pending.

Overall, representatives are generally nice but rather unhelpful, with a few exceptions. Advice for other providers: keep track of everything you send (call reference numbers and even the total number of pages sent) and submit everything you can either online or via fax because you can expect these people either a. provide inaccurate info (say they never rcvd anything) and/or b. redirect back and forth with OPTUM and UHC and/or c. tell you to file an appeal or another recon (which really means, hope you have better luck next time but in the meantime, please wait 30-60 days).

When I transferred these prescriptions to them, they then would not fill them at the designated time to make sure that I didn't have to be without them and have a lapse between dosages. Only after three (3) continual days of calling and being pushed off to one after another "so-called" service representatives, on the third day I was about to melt down and lose my religion, but was lucky enough to finally be connected to a young lady named Nina who was a trouble shooter. Ms. Nina worked with me for about two and a half hours by reaching out to other departments and their home office. To make a long story short, Nina corrected the problem, made sure that my medication was shipped out so that I wouldn't be without it and corrected the reorder problem.

However, while still working as a policeman, I was for a time our union president and on various occasions had cause to deal with insurance companies and Worker Compensation. Then as now, these companies employ tactics that will either deny services, attempt to coerce you into accepting inferior services or deny paying valid claims - UNLESS you appeal these rulings and demand proper services and payment. They also count on most people becoming complacent or just surrender and either pay for something that they shouldn't have to or accept the second rate services. It readily appears that UHC utilizes these operating procedures on an everyday/every claim basis.

These practices and other like them, are how and why our health care system have given rise to multi-billion dollar industries (insurance companies and big pharmaceutical companies). Unfortunately, our legislators and other public officials don't adequately do their jobs to protect the taxpayer, senior citizen, veterans and all others that rely on them to act in the best interest of the public at large. These insurance companies can continue to use these slipshod methods because they have huge leverage through lobbying our elected official with enormous campaign contributions if these officials vow to support actions that further strengthens their hold on the poor working class. These assaults on the workers (both still working, retired or disabled) must come to an end. We must be watchful and do everything in our power to right these ongoing great wrongs. Thank you for giving me a chance to blow off some steam.

I ended up having to pay OUT of pocket 758$ for the procedure and the 19$ out of my own pocket with ZERO help from United Healthcare. When I contacted them they informed me it would be over another year before they would begin covering any procedures other than fillings despite my plan. On the positive side I will say the customer service is quite fast and effective and courteous as well along with being quite knowledgeable of any information/questions I had, and helped me quite quickly through the enrollment process over the phone. Overall I would strongly advise AGAINST using United Healthcare for any form of insurance unless you are willing to shell out cash on the spot or payments of your own for procedures prior to their horrible waiting period.

A day before the study, I received a call from my doctor's office telling me they were still dealing with the insurance company trying to get approval. It was scheduled on a Sunday night, so I heard nothing over the weekend and arrived to an empty office. The mere fact that I pay quite a lot of money to have healthcare and then am denied the coverage I need for a diagnosed medical condition is despicable. United Health Care seems to think they know better than my doctor and are denying me treatment intended to prolong my life as well as increase my quality of life. This should be illegal. I am furious.

The surgeon has appealed the denial and United has again denied the claim. This is a covered surgery under my policy. The surgeon performed the work and is entitled to his fees. Moreover I should not have to pay my deductible twice. I have called United a half dozen times about this; it took at least three calls for me to get the full story. Initially they blamed the doctor. Now the reps do recognize the inequity of the situation but "have no control" over the claim being denied. Every time I call I get put off and hear that I should wait 30 days. This is frustrating and United is clearly in the wrong. They should honor their very expensive health insurance policy.

Then a prescription I had been taking for OVER 10 years they decided to deny. After 12 days without ANY of that medication, they decided to approve INSTEAD of the TWO 200 mg twice a day that I was taking they thought that approving the same medication as follows ~ TWENTY ~ YEP I SAID TWENTY 25mg pills a day would be better!!! WTF?!?

Now I have fibromyalgia and was first given **, what made things soooooo horribly worse, so then my Dr gave me samples of **. This works AMAZING! Of course, it has to be pre-authorized. THREE weeks later and 2 denials, they say I have to try TWO other medications, separately, and then if those don't work... maybe they will reconsider!!! I am just so frickin' amazed at what they can do! Granted I have employer health insurance, but it still isn't cheap and every single thing is an issue! I just can't seem to understand that! If you didn't need the equipment/medication the dr wouldn't have prescribed it! How do they continue to get away with the crap they do???

I spoke to United and explained this. They told me they could approve 15 units per day. I told them that I take up to 80 units per day and if they knew anything about diabetics, they should know that you cannot predict how many units you are going to need everyday. That's why it's written PRN! I told them If I were restricted to 15 units a day, my A1C would be off the charts. I asked if I could speak with the person who called the pharmacy? They couldn't even determine who that was. I'm just hoping that my ** can get this fixed. I already hate this company and I've only been with them 5 days!

After months of trying to gain access to the website so that we could submit our first bill (which was now 3 months old), the claim was paid! This began in March 2016. Then, the headaches started. We have been denied over and over again, for the exact same line item on the same invoice for different reason. For example, Take a invoice for services on the 1st through the 7th... the 1st is paid, 2nd is denied for wrong code (which was the exact same as the 1st which was paid, and so on. Nothing on the invoice changes, but the date of service. So, we resubmit, and get a whole different set of denials.

The insured can't afford the bill, which is why we verified benefits to begin with. This has cost us a tremendous amount of administrative time, hours of heartache for me (the business owner), and has put a financial strain on my company. All because we took on a client that had UHC insurance. This client is a Medicaid beneficiary, but we can't bill Medicaid because UHC is denying coverage for every reason in the book but won't say "benefits are exhausted" or "benefits are not covered". So, we are stuck with over 100k of invoices that remain unpaid.

I think something has to be illegal about the way this had been handled. To add insult to injury, at some point the "precertification policy" changed in 2017. We believe in April, however we have gotten multiple answers from UHC. Our client, wasn't informed, we weren't notified, and we were told that it is our responsibility to check this. So, we were one month late getting "precertification" this year.

We submitted the required documents, including physician's orders, plan of care, etc. Then they required a "peer to peer" review between the doctor and a UHC representative....guess what. DENIED. According to UHC skilled nursing services are not required to take care of a child with a tracheostomy, has respiratory failure, requires tube feedings via a gastrostomy tube, chest percussions, breathing treatments, or assessment of respiratory status. According to UHC, this is considered custodial care, in other words, a babysitter down the street should be able to care of this child... a nurse is not needed. So, I have a question, why does this policy say that private duty nursing services are covered on this plan?

The young lady in claims heard me out, reviewed the info and said I was undoubtedly due the reimbursement. She is the only person in two years who asked where I had been mailing my claim forms. The address that specified where to mail claims on my UHC card of course was my reply. Turns out that was not the correct address to mail claims for the services I had been receiving. Subsequently the corrected invoices and claim did not make it to the proper department before the deadline. The UHC rep told me to write a letter to the Appeals Department and resend everything to them. She said they would fix it right away as it was in no way my fault that the forms did not make it to the proper department on time. I opted to spend a few dollars and fax everything to expedite this correction.

The next letter I get is from the Appeals Department at UHC. My first appeal is denied because I did not include chart notes. I am livid at this point. After explaining the course of events to two reps at the Appeals Department it was tough luck sweetheart; send the chart notes or no hope of recouping any payment. UHC has no intention of paying my legitimate, covered claim. They are doing everything they can to drag this out and wear me down in hopes that I give up. They are incompetent and unethical. If you have any choice in insurance providers stay far, far away from UHC!

When the time came all of my concerns were met with like complete shock for the first time and got denied and had to pay out of my own pocket the first month. Tried to appeal. Denied. Tried an alternative on their list and got denied again because of the dosage my doctor prescribed. THE DOCTOR PRESCRIBED, who is the insurance to say what my pain level was. Appealed and denied. My primary care physician is off half days Friday and spent his afternoon on that day on the phone for 30 minutes "per my doctor" and works his way up the chain of command and supposedly was as far up as he could go and was told they just absolutely do not cover Extended release pain meds. It was just a horrible experience and had side effects off the alternatives that I once again paid out my pocket for because they would not cover again. Thank God we went back to Community care. Had no problem with them for years.

My biggest misunderstanding was about the catastrophic $4,950.00 out of pocket. I have spent approx. $4,800.00 so far in prescriptions so I called them to clarify future payments. I will still have copays of 5% of the prescription total. So then I asked about my copays on my medical because I pay $10 to see my primary and $50 to see a specialist. The medical is a DIFFERENT $4,950.00 catastrophic out of pocket. TOTAL OUT OF POCKET should be advertised as $9,900.00!!! Even that amount is incorrect because United Health does not pay everything after you have reached this level of expense. I pray I don't have to be hospitalized this year. There is something VERY WRONG with this insurance company.

Forget trying to appeal. The answer is NO. Whatever sweetheart deal they have going with certain drug companies is more important than patients' health or saving money. Had these bottom sucking scum feeders told me before, instead of immediately after I was locked in to their plan, that my medication was no longer covered I wouldn't have signed on. One other thing to consider if you are considering this company: they will call you to the point of phone harassment, several times a week, trying to get you to use their mail-order prescription service, which has horrendous reviews. No thanks to that also.

After recuperating at home-- took 3 weeks to recover-- I wrote a length, grievance letter to TRICARE West, now partnered with UnitedHealthcare, about substandard care I received at the hospital to which I was transferred. 30-days later, TRICARE West/UnitedHealthcare responded, saying further investigation is necessary because it did "appear as if there are medical care issues at this hospital." Wow! I recommend that anyone dissatisfied with ANY insurance companies, denied claims, or "screwy," provider billing generating denied claims, first contact the insurance company. Agents are usually willing to assist. TRICARE West had a few departments that were a little slow, but they eventually got the job done. I digress.

My point is that I wanted TRICARE to know I did not want future care at the subject hospital via a grievance, and they are actually investigating my visit. I think they should be commended. Lastly, always remember, everybody's got a boss. No satisfaction? Call the oversight for medical insurance. Every state has one. It seems kind of amazing how quickly questions are answered, and snags are resolved when you request assistance from THEIR (the insurance company's) watchdog! UnitedHealthcare has some communication problem solving in some department sort, so I only have them 3-stars. But if the response to my grievance is any indication of UnitedHealthcare's abilities, I think insured should give the company a chance.

I called today and they say the best they can do is cancel it as of today but the monies I have paid will be lost. I told them it is against the law to carry 2 plans and they said on dental it is not. Imagine that?? They have screwed me out of at least $2,600.00 over the course of multiple months. BUYER BEWARE - DO NOT USE UNITED HEALTH ONE or GOLDEN RULE. I will be contacting the district attorney in the home state of United Health One to try and resolve this. They have never sent a policy premium update, never sent a notice of premiums going up. NOTHING. If I could give a negative rating I would. DO NOT USE THIS COMPANY!!

What is UP with this??? I am in intense pain, cannot sleep at night, all United Health Care OptumRX says "I'm sorry you're having so much pain and discomfort and cannot sleep". They tried blaming my healthcare team. BULL! Try to get approval for my asthma medication, running into the same issues. I will run out by the weekend. I am allergic to the suggested medication which causes cardiac issues. Still fighting this one. I refuse to pay for mail order meds. Why is United Health Care doing this to the retirees of the State of Texas partnering with OptumRX who are play games with our healthcare.

United Health Care approved by AARP means nothing. AARP is just another paid payoff. Most doctors don't take this garbage insurance and those who do are garbage doctors. You must suffer with endless back and forth. If you call they won't give you any answers. They just keep sending cards. I have gotten 5 cards already and no service. Many reps don't even speak clear English. They are sending the calls to South America. Their guide to find a doctor is full of errors. Some numbers are disconnected or not the right specialty labeled. Most doctors aren't even taking new patients. How the heck can weak and sick people fight for care?? It is absolute cruel diabolic horror to be part of this system and let it continue to fester!!! Note to media: having insurance isn't healthcare if it is garbage insurance or not usable - which is what is offered in Medicare, Medicaid and Obamacare.

After the denial of coverage was received the doctor recommended a new medication. In order to get this new medication approved it required us to engage in tens of hours on the phone for a period of 3 months. Each call resulted in a finger pointing game. United Healthcare pointed the finger to the doctor, the doctor confirmed they sent all information, United then pointed to the Specialty Pharmacy. The Specialty Pharmacy then in turn pointed to United Health Care as the roadblock in approval. This circle of blame dragged on for months and required hours on the phone day after day. During this time my wife had no medication and her condition deteriorated drastically and in turn she suffered intense pain.

The drug was finally approved however the side effects were terrible and resulted in my wife not being able to eat. The doctor recommended her to stop taking the medication immediately. There was one drug left the doctor recommended. Again we went through the circle of finger pointing for months and hours on the phone pushing this prescription through the approval process. United Healthcare has since denied this medication. The only medication left my wife can take for her severe condition. The doctor submitted the prescription a second time, again denied.

The physical and emotional toll the denial of medication coverage has taken my wife and family is enormous and cannot be overstated. We are at the end of a road with no solution. Denying all possible medications that treat her server RA has put my wife on quick path to disability. She will be unable to walk or type on the computer resulting in her inability to work. United Healthcare has in turn prescribed a death sentence. Without medication for severe RA severe pain will take over her ability to cope with life. The rapid deterioration of her joints is non reversible. They are inflicting great harm both physically and mentally.

I ask for a fax number but they tell me they cannot receive claims by fax. Every time I call I verify the payer ID and mailing address and everything we have been sending the claim to is correct. This happens with every patient of ours and UH acts like this is no big deal. We finally had to stop sending claims for our UH patients and required the patient to file the claim themselves. I have noticed several other complaints for this same reason. I would not recommend getting UH for dental insurance and would not recommend that any other office be a participating provider. This insurance company sounds like a scam and they try as hard as possible to not pay on claims for insured members.

This week, I was unable to have a prescription for diabetic test strips filled. After three days of going back and forth with the pharmacy, the doctor's office and finally calling UHC, I found out that UHC would not fill the original script (that originated with their company policy not two months ago) until a month from now, but would be willing change the entire glucose monitoring system (meter and strips) and fill that script, instead. Tell me how that makes sense? Meanwhile, I haven't been able to test for two days. This insurance has been nothing but a headache and I can't wait do be done with it.

After getting the denial my doctor appealed the decision 5 times and the sleep study was denied each time but an at home sleep study was offered on the fifth denial. My doctor told me that the at home sleep study was basically useless and if it did show sleep apnea and in hospital study would still be required to properly set the CPAP mask. The at home sleep study showed moderate sleep apnea and proved that I stop breathing multiple times in an hour.

At this point you would think that United Health Care would be onboard to help me their customer but think again. According to a Nurse Practitioner (not a medical doctor) my Sleep Apnea is not suffer enough to warrant a in hospital sleep study and that my doctor can set the CPAP mask flow level using the limited results from the home sleep study. My doctor stated that the only way to correctly regulate the sleep apnea is to have the CPAP mask flow rate set by the tech during the in hospital sleep study. United Health Care has denied the in hospital sleep study again and there is no way left to appeal the denial. My work is changing insurance from United Health Care to Blue Cross and Blue Shield in September and hopefully they are better. At this point I am left hoping I don't die in my sleep since United Health Care is not concerned with my healthcare and is only worried about saving money. Worst health insurance in the company!

After an half hour they found record of a call, but not what was discussed. Explained that the only way I can get preauthorized is if Dr.'s office calls again! Then, to add insult to injury - they send me to escalations, who answer the phone, "Escalations" Really? You are going to act like I am the problem? Thank all the powers that be that my son is not dying because I do not think that UHC is capable of getting ANYTHING done for their clients. So far I got 2 checks reimbursing purchases from last year in February.

Only "in-network" primary care providers were allowed to refer patients. Therefore, our patients with uncontrolled diabetes, heart problems, kidney problems, asthma, COPD, head injuries, traumatic brain injuries, vascular problems and eye problems could not be further treated by specialists. In September 2016, I sent a complaint to the Oregon Insurance Commission regarding the inaction of United Healthcare to re-credential our provider. I received a letter from them stating that they have no authority over the credentialing process. From November 2016 through February 2017, I called to get status of the re-credentialing and was told each month that the application had been processed and approved and that If we have received the contract, to please sign it and return to the credentialing department. If we have not received the contract, we should expect it to take 30-45 more days.

In March 2017, I called the local United Healthcare representative, whose contact information was given to me by UHC customer service. She said that we were approved December 26, 2016 and since we didn't respond, the provider was deactivated. I asked her how we could respond when United Healthcare credentialing department did not send us anything via mail, e-mail, fax, or telephone. She apologized and said she would take care of it herself. Due to no response again, I sent a letter of complaint to the Oregon State Attorney General's office. They answered back with a letter stating that they will keep my complaint on file and when they receive more of the same complaints, they will act on it. Today is April 18, 2017 and we have not received any contract by mail, fax, nor telephone message about the provider's re-credentialing. My concern is for our patients who are put in jeopardy because they cannot receive necessary treatments.

My surgery was a success and took ~80% of the neck pain away. Now I am weaning off of extended release medication, and my first request for 1 month is >$950 without insurance approval. It needed a prior authorization. My Dr called it in. A week went by... I was running out of medication, and a UHC representative suggested I have the Dr call a special number for an expedited 3 day approval process. I called on day 3 and the 3-day request is denied. I have to wait for 3 weeks--of working days to get my answer. I have to wait until April 26 or so to find out!!

They Suggest I take **. It's like **. I have been on the highest dose of extended release for a couple of years, and they want to experiment with the non extended version. They simply do not care!! That's why I want to tell people about this. I worked 30 years as a nurse, and I've never been treated so terribly! When I meet a $3300 deductible, everything will be covered... If they approve the referral or the medication... BEWARE the purchaser of UHC if you need any medical care!

I called customer service and I was told basically it's not their fault that these are different tier medications. I am on a fixed income Social Security and I was told that my medicine would be anywhere from 1 to $3 and the expensive one for my pain meds would be no more than $25. Just the two prescriptions I am trying to get are $35 each. That's $70 and I don't have it. I was told by their representative Kristine which is supposed to be a supervisor that there's nothing she can do about it that's just the way it is. I don't like being taken advantage of because I'm on Social Security and I have physical disabilities and medication disabilities and they are using that to discriminate against me with higher prices on their drugs than what was quoted to me.

The first month alone I cleared and pay the $400 deductible which was designated by them. They control there how much and when the pay it on prescriptions. Now they tell me that Rite Aid Pharmacy is the one who collected the $400 deductible and not them. So in a nutshell if I change Insurance RX companies I lost the $400. It wasn't supposed to be this way. Basically the supervisor told me I am up the creek without a paddle and there's not anything I can do about it. This is just how it is and they're going to charge me whatever they want. She told me one of the prescriptions for $35 is a $50 prescription and I asked her is that cost that Rite Aid is going to tell me it cost. Well she changed her story and she would not give me the price of what it would cost. Just the standard discount card that doesn't cost anything for Rite Aid to give to you is going to make the medication cheaper than $35.

This Christina was supervisor. Was evasive, unclear, unhelpful, uncaring, and plainly just did not give a hoot. He said that he can disenroll me from UnitedHealthcare plan. Hey you said that I would have to go to a cheap Pharmacy because Rite Aid is not there for pharmacy and their prescription cost is different. She said at $50 and they're only going to charge me $35 they paid $15 for this medication. My monthly premium's only $34. I don't know what to do. I'm disabled I'm on some heavy medications and I feel like I have been taken advantage of and just ran through the wringer and I don't know what to do. I'm on a fixed income and I just don't have the $70 for the two prescriptions I need around somewhere. UnitedHealthcare is not a place that I would recommend to anyone to do business with. I wouldn't even have them as a pharmacy plans for a pet.

If anyone out there has any suggestions would you please get in touch with me. I just don't know what to do next. I just know that they charge me so much money for my prescriptions the first 30 days that the $400 deductible was net. How can these companies used and abused our elderly people. I do not understand why we don't have better coverage, more affordable coverage and being told they correct things when we sign up for these programs. Again at no time was I in any way shape or form that I had to go to a bargain discount prescription store. I was told my prescriptions only be $3 and my pain medicine would be no more than $25 for a 30 day supply. It has gone to regular anxiety medicines to pay $35.

I guess since they were getting all these high prices with the deductible and mine they decide just to keep charging the customer an outrageous price so they can make the bottom line, they can make more profit at the expense or disability. Disabled people and the Social Security recipients' carry the load. Why cannot the government or somebody get involved and help us so we do not have these companies like UnitedHealthcare rape us, Rob us and basically put us in the poor house without anyone over seeing what they're doing and probably nobody cares. I care about me and I care about the other senior disabled people that have been hurt by UnitedHealthcare RX plans. It's supposed to be covered while it's supposed to be certified by our Social Security Department Medicare and also AARP.

I did talk to AARP and they were very helpful and lodging a complaint with UnitedHealthcare to try to resolve this problem but I'm sure that they're going to come up empty as I did. I do appreciate them trying but I don't see them able to do anything better than I've already tried to do. So listen UnitedHealthcare RX plans or anything to do with UnitedHealthcare is a bad idea period. UnitedHealthcare in any way shape or form is not in your best interest so do not take any plans policies with this company if you do not want to get screwed. They told me basically that take my silly problem down the hall, pay their price, do what they tell me to do and then everything will work out just fine.

I don't know how it works out fine for I guess that means them. UnitedHealthcare is just a proper cheering company that should not be trusted or believed in any way shape or form. UnitedHealthcare is a bad company in my view. I would not wish UnitedHealthcare on to anybody. Say no to UnitedHealthcare. Say no to UnitedHealthcare. I wish somebody would tell me that before I got suckered into UnitedHealthcare. Thank you. God bless. Happy Easter. Thank you again.

I submitted a claim in December, didn't hear anything back for a few weeks so I called to check in on this. I was then told that it can take 4-6 weeks for claims that are mailed in to be processed and added into the system. I was told to check back. I called back in January and was told that there is still nothing in the system so I needed to send or fax it again. I do not have access to a fax so I asked if there was any way that I could submit online or email, I was told no. So I mailed it again. Called again in February and was told again that nothing had been processed and to call again later. Called again and was told that it was never received and to send AGAIN. Finally I had to find someone that could fax this for me. It was sent on March 21 and I received a confirmation from the fax company that 4 pages were sent and received.

My husband was speaking to someone on a different matter on April 3 and asked about the status of our reimbursement. He was then told that they only received 1 page so they could not pay out. It absolutely baffles me that NO ONE could be bothered to call or email us to let us know that what they received was incomplete and they needed us to fax again. They were just going to not pay it.

I have never had to spend hours and hours on the phone over a 3+ month period just to get reimbursed from our FSA. This is ridiculous. Every time I call whoever I get says that they can't help and need to transfer me to someone else, I then ask what number I should use to call back (since the one on our insurance card isn't correct apparently) and when I call the different number I get the same story. I have now sent our claim reimbursement form in the mail twice and faxed twice, it concerns me greatly that my information is getting lost and that I have to babysit this company to make sure that things get resolved. After just spending another hour on the phone and getting transferred 3 times I was finally told that my entire fax was received but that it will take them up to another 30 days to get the check to me. I'll believe it when I see it... It is April 11 and I have been working on this since December. It should not be this difficult.

On another aggravating note, we are part of a program that allows you to get "lower" premiums if you complete an annual wellness assessment. Great idea! Too bad United is not accountable for that paperwork either! Somehow my assessment paperwork was not entered into the system by the third party company that handles it. Out of all the hours I was on the phone with United trying to get my reimbursement, not one person mentioned to me or my husband that my wellness assessment was marked incomplete. They told me I needed to get my "well woman exam" and do my health coaching, but not the assessment. We just received an email that our premiums are going up $500 a year because this was not entered into their system.

I called and asked who I needed to resend the paperwork to but was told that "Sorry, it's too late. There is nothing we can do". They then told me to call the third party company that receives and enters the information, but when I asked if they found my paperwork with the date of October 2016 on it if everything would be taken care of, I was told no. So now we are paying even more to them each month. There is no sense of accountability whatsoever.

My biggest advice to anyone who goes with United is to babysit every single thing that you submit. Do not think that because you sent something direct to the company or you don't hear that there is a problem that everything is fine. They will not contact you if there are any problems with your claims or accounts, they just won't pay it or will charge you more. It would be hard for me to be any more disappointed.

If you are considering using them for coverage - DON'T. You will be angry, frustrated, and feel like you are wasting money. Be prepared to spend hours and hours on the phone and writing letters to get what is supposed to be covered. They need to be investigated for fraud - they say they cover things and then they don't. Unless you are prepared to fight for EVERYTHING you are paying for, DO NOT USE THEM.

Last year, my husband was due for a scheduled colonoscopy. It took 2 weeks to try to find out exactly what All Savers UHC would cover and what his co-pay would be. The day before the scheduled procedure, we were shocked to find out that it wasn't covered at AT ALL. Because of a previous colonoscopy some ten years' prior (different insurer) where they found and removed 4 polyps (he's had another clean colonoscopy before this last scheduled one), we were told that the procedure was deemed diagnostic and not preventative - therefore, they wouldn't cover it. I asked if, should my husband develop colon cancer, would treatment for that be covered; they couldn't (or wouldn't) answer that question.

The last incident I will tell you about concerns the injection to prevent Shingles. In February, he received a prescription from his physician authorizing the injection for Shingles through our local Walgreens. When we arrived at Walgreens and they checked his prescription, we were informed that his insurer would not cover the injection and he would have to pay the $250 out-of-pocket. We left at that point. Called a few other pharmacies to price shop but apparently the price is pretty fixed. We were told, however, that given my husband's age, the insurer should cover it. My husband called the representative that sold the policy to his employer and he was told to pay for the shot and submit a claim and he would be reimbursed.

After the claim was submitted, however (don't get me started on their useless website), we waited. And waited. They have 45 days to reimburse. Instead, we received a statement in the mail, showing that the cost of the injection had been applied to his deductible. He contacted the representative again, who stated they shouldn't have done that. The representative (he's an independent agent) contacted All Savers and instructed them to reimburse him directly. Again, we wait.

My husband calls All Savers again, as the website where his account is doesn't show you ANYTHING except your personal information - no claims status; nothing. He was informed by All Savers that the amount would be reimbursed to Walgreens and he'd have to go back to the pharmacy to receive his reimbursement. WHAT??? Walgreens has already been paid!! Again, call the representative. The rep calls back and says a check was cut for my husband that day and he should receive it in about a week. This was several days ago and we're still waiting.

Their customer service people have little to no information regarding what you're covered for; they read the status of your claim off their screen and cannot answer questions directly. They have no weekend hours. And they won't cover a colonoscopy that may prevent a very expensive-to-treat disease? Really, the worst insurance I've come across.

Original Review: April 5, 2017

I work at a doctor's office and regularly call United Health Care to resolve issues with patients' claims. United Health Care is the ONLY insurance company we deal with that regularly does things to avoid paying claims. They routinely deny claims and will then do everything possible to prolong the appeal process, requesting more and more records and forms until you finally give up. I just called their customer service about a check of theirs that bounced and was on the phone with them for an hour and ten minutes, transferred 8 times. NO ONE it seems can even look the check up. I was transferred from provider services to OptumID to their Recovery Department and round and round again. They are unbelievable.

Agents will put you on hold forever, hoping that you'll get tired and hang up. You're on hold with the agent that you just spent fifteen minutes explaining the problem to, and after a ten-minute hold someone new picks up saying the call was transferred to them. They'll tell you that there's nothing they can do. Nothing?? Your check bounced and there's nothing you can do?? Unfortunately, the patient will probably be responsible for paying what United Health Care has AGREED to pay because they won't acknowledge that their check bounced. One of our patients died and his wife is trying to handle all the medical bills from various facilities. She called last week crying because she's getting the same run around that I get from them. I feel so sorry for her because after burying her husband, she's going to be left paying bills she shouldn't have to. What they're doing is criminal.

I would never in a million years use this insurance company for my own insurance and our office is considering not allowing their patients for service because of the nightmare that ensues when we try to get paid. This last encounter is par for the course with this company. If given a choice, I would advise people to STAY AWAY from this horrible company. You will end up paying out of pocket what your insurance company should be paying.

The first claim I submitted online, I never received any other notifications afterwards. I waited two weeks before contacting United, because I couldn't even see my claim submission online to be able to track its progress. It wasn't until after calling multiple times did I find out the claim had either been denied or suspended (I was told varying stories) because there seemed to be a problem with the dates submitted, and they were "reviewing" them. After I pushed back several times to find out WHAT exactly was wrong with the dates, I was told that a mistake had been made on their part, and the claim was moved to approved status.

Even then, it took another 2 weeks to receive my reimbursement. When it finally came through, I noticed it was not for the full amount! I contacted United again, and was told a portion was denied because the "services were not covered charges per my plan". I had only submitted weekly childcare expenses! So I responded asking specifically WHAT PART of my claim was denied, because I only submitted weekly childcare expenses, and if part of that claim was denied it wouldn't make sense. So the next response I received was that the entire claim had been cancelled and could I please resubmit!! HOW was my claim CANCELLED when I had already received a partial reimbursement?! The incompetence is outrageous.

I gave up trying to sort that out, because I pay more in childcare for the year than I allocated to be withheld, so I knew I would still get my total reimbursement by the time I submitted all expenses. I submitted my remaining expenses for 2016 before the March 2017 deadline. The website changed, and I could no longer even see my 2016 dependent care plan, although I could still see my medical FSA plan. This was mid March, so the problem wasn't that the March 31st deadline had been reached and 2016 was no longer visible.

So I submitted my receipts without even knowing how much I had left in my plan. Again, I couldn't see my submitted claim. I knew all too well they probably wouldn't contact ME, so I promptly contacted them to ask why I couldn't see my plan or my submitted claim. I was first told nothing had been submitted. I had to push back to get them to even look any further because I definitely HAD submitted my claim. Then I was told I needed to resubmit with the "correct date of service and charge amount". I submitted itemized receipts like I always do! They are prepared by the childcare provider and meet every single requirement.

So I called customer service again to see what the problem was. The next lie I was first told was that I needed to resubmit an itemized claim. I explained I did that the first time, so could they please tell me WHAT EXACTLY needed to be changed, otherwise I was going to submit exactly what I submitted before. Then I was told they just couldn't see it, so it must be a website problem, and I needed to contact the tech support team. They connected me with this team, and I was told I DIDN'T EVEN HAVE a 2016 dependent care account in my plan!! HUH, that's funny, because my allocation was taken out EVERY PAYCHECK and I had already received a reimbursement!!

So the next lie they came back with was that as long as I submitted it, everything was fine. I told them NO, I was told it had been denied (WITHOUT GIVING ME ANY NOTIFICATION AGAIN), and I needed to resubmit. Finally after all the back and forth, the lady said she would have to contact Operations. THESE PEOPLE HAVE NO FREAKING CLUE WHAT'S GOING ON!! I left feedback that it really seemed as if United was trying its best to ensure I wasn't reimbursed for MY money that's taken out of MY paycheck. I SHOULD NOT have to jump through hoops, hunt people down like it's my freaking day job to get answers about something so simple!! I SHOULD NOT have a claim denied and NOT be notified about it!!

This "company" deserves to be sued. This is outrageous mishandling of the claims process and I am FED UP!! I am complaining to my HR department and requesting they look into switching insurance agencies. I cannot go through this every single time I submit a reimbursement claim, and I know I am not the only one having so many problems with them. Such an awful, awful company.

When my regular doctor sent in the request for a preapproval for the sleep study I was informed I was denied coverage. When I called to ask why this was happening I was informed that the sleep study was a Job Requirement procedure. When I asked what that meant I was informed that any procedures that were required to fulfill a job requirement such as needed shots or an ordered sleep study was not covered. I imagine there are many drivers who are discovering that they will be unemployable because they can't afford a $5000 plus medical requirement to work. I can't imagine any future employer willing to hire me when I tell them I can't meet the DOT requirements.

I wanted to see what I would have paid if I had used a provider of my choice and paid out of pocket. I found the going rate was $100 per visit. In order to compare apples-to-apples, I called the facility where I had received services and asked for their self-pay PT rate. I was quoted $300-$400 with a 30% discount. I thought the whole point of being in-network was to receive a better deal. Why would United HC even contract with a facility that charges 4 times the going rate? It makes me wonder what "arrangements" they have with facilities. Even though this is my company's group plan, I'm going to try and make other arrangements at open enrollment. I don't trust them.

I have called them four times to explain that my son has a disability but they do not care because they don't want to pay for the medication that will be easiest for him but instead discriminate against his disability and make him try to swallow a pill. I did go to the store tonight to try to get the over the counter and I cannot even crush the pills since they are big time release capsules. They are discriminating against my son's disability, their communication and customer service is horrible, and they do not care about their customers. Stay away from United Health!!

We are paying $73 a month for our premiums for my husband. We were told he has to pay over $900 for a 90 day supply for one of his meds because the price of this tier 3 med went over his yearly allowance. So why do we have insurance? I assure you that we were not told when we signed up that he would only be allowed $3700 a year coverage. We were only able to get one month of this med because it would cost $35. Bear in mind also that we got estimates from $90-$4003 for the same medication. Let's see... We have paid $219 of $876 for the year and are at the end of our coverage unless we hit the $4000 stop gap and then we get help. This was not how this part d plan was explained to us. We are both medically retired and on a fixed income. AARP and UnitedHealth should be drummed out of business. How dare they take advantage of us! I am forced now to call drug companies and try to get help from them.

We are still trying to find a way out of this plan. OptumRx has got to be the lamest excuse for a Mail-order pharmacy. Please, people, think twice about using them. They are confusing, unhelpful, and annoying. They lose prescriptions and anything else you need to get your meds. Look. We are in a bind here. To get out of the stop gap is going to take money we don't have. This plan is a disaster and a ripoff. I can't tell you what to do with your money, but I would be cautious with this plan. They did not explain to us how it really works. I am experienced and educated so I really feel for those who have no one to help them with this. I mean, it should not happen to anyone. So, United Health, AARP, and OptumRx, you got us this year. Won't happen next year.

I have since called 75+ doctors listed on the United Health Care website searching for a new primary care physician and NOBODY is accepting this plan--all of the major hospitals, practices and clinics in New York City have stopped taking the plan. Reportedly--and this is based on a conversation with a hospital referral line--the industry thinks the plan is going to fold soon, so doctors don't want to risk getting stuck with unpaid invoices. The doctor list on the MyUHC.com website is not accurate.

I found two practitioners still accepting the plan--but appointments are 4+ months out and they cannot guarantee that they will still be accepting Compass when the time comes for the appointment. Customer service at UHC has been friendly enough--they have given me numerous phone numbers from their internal database and have made calls on my behalf--but they are not able/willing to consider the larger picture or comment on the situation. I requested a supervisor callback yesterday morning--but have not heard from anyone yet. DO NOT, I cannot say it loud enough, sign on to a United Health Care Compass plan in New York.

These people don't even like their jobs, my guess is that they may have a conscience or did at one point and it's eating away at them doing people wrong. Corporate greed... Trickling down to everyday people in need of medical care... Corporate wins, typical David vs Goliath scenario. We the people should start class action lawsuits against for profit insurance companies that create delays for healthcare. Corporations should not profit from people with healthcare needs. Totally wrong and it's dragging/keeping America down.

My surgery has been CANCELLED, I now have had the opportunity to sit in agony and wait for them to decide just how crucial this procedure is. I have a cyst on my left ovary, excessive thickening of endometrial tissue and an enlarged uterus. None of which can be "fixed" without surgery and an official diagnosis can't be determined without surgery but UHC don't give a rat's ** about anything other than their premiums. $140+ a WEEK we give them for NOTHING! Today is March 13, we've had insurance with them since Jan 1st. It's going to be a long year! Oh let me not forget to mention, I've sought out an attorney. I'm going to make them suffer like they've done me in 3 short months! They've run across the wrong person this time. I don't back down and I don't give up! Ball is in my court!

Our son's medical bills from the surgery alone exceeded $150,000. We've never had any push back from the insurance agency. My wife is type 1 diabetic and her insulin is a $50 co pay with endo's costing $40. Healthcare is frustrating and it sounds like the majority of the problems listed here are a customer service issue. From the standpoint of saving our son's life, we recommend United Health Care and its nurses who call just to see how the family is holding up.

We would have opted out if we had known the premium could and would change. I will quote from a letter he received. "A medicare beneficiary's silence is deemed to be consent to enrollment." Since the government covers part of this cost, if he does not pay his part, he will billed for the entire amount which is even higher, which they will tap out of his Disability social security. Upon checking, I see that there have been thousands of other complaints against this company for bait and switch. Shame on this company for taking advantage of a man who has a second-grade reading level and has neither the IQ or means to resolve this matter himself.

Come this month in March when I call to make my payment I'm told I owe them over $700 and my premium has increased to 200/month/child. After spending over 4 hours of my day trying to get it resolved it turns out the following occurred. UHC was illegally trying to force me into a higher premium by dropping my coverage and re-instating it on a new higher premium plan... When I spoke to the state they informed me my premium should not change from my contracted amount and my enrollment status has not changed. UHC on the other hand was telling me my premium is going up because I failed to make payments on time and they have been re-enrolled into a now higher premium rate due to rate hikes this March for all Child Health Plus members and if I don't pay the new rate I can't continue having coverage. They also informed me that my coverage is now terminated and I would need to speak with.

UHC refused to do anything about honoring the original contracted price and would only accept the now increased rate simply because I failed to make a payment on time even though when I spoke to the reps on the phone I was told my premium is due by the 10th of each month. I will be filling a complaint with the NY Department of Health and the Attorney General against UHC for the complete and total fraud being committed by them. This is absolutely ridiculous that companies are getting away with doing these kinds of things when this was supposed to be getting fixed. How is this considered fixed? This doesn't even consider the fact they NEVER sent me an actual bill for the correct amounts the entire time I had the insurance, signed my kids up for a doctor that isn't even accepting new patients and it took 3 weeks into January to actually get me my kids insurance cards even though I signed up for the coverage in December.

This was not just one isolated case but HUNDREDS of cases. UHC is SIMPLY jerking people around. My case IS dental - a cracked molar that must be pulled; it hurts. Clearly, all agree it needs extracted, which is covered, but UHC requires a prior authorization. THEY HAVE NO FAX OR EMAIL AND NO PROCEDURE TO EXPEDITE THIS. Since UHC is jerking people around no dentist will simply pull my tooth and expect to get paid since UHC will most likely deny it even though it is covered because it will have been performed prior to the authorization.

A WEEK LATER HERE I SIT IN PAIN DESPITE EXTRACTIONS PROVIDED UNDER THE PLAN. Nobody should be expected to endure tooth pain because UHC won't timely approve a necessary and covered procedure. Just as justice delayed is justice denied so is healthcare delayed at the point UHC is exercising the delay is simply healthcare denied. I sat in the dental chair of an oral surgeon OVER A WEEK AGO that takes the UHC. I should have been able to get that procedure done that day or certainly by the next day. UHC is terrible. I cannot wait to switch. Run from UHC as if your life depended on it since it just might and no way I want to have to depend on UHC.

I Googled this provider and saw nothing familiar in the description. I don't know who this provider is, but I'd like to bet they don't even exist! In the meantime, while on hold with rep #2, I get disconnected... This happens frequently when trying to communicate with UHC. My plan name is UHC Medicare complete choice plan 1 (regional ppo) with the passport provision. I winter in the West Palm Beach FL. area. And I can't get an MRI!!! Give me a break!! This is pathetic!!!

When I call in I am prompted to enter my policy number which I do. I enter the exact one that is showing on my NEW card which is correct. I then go thru the verification process entering my address, date of birth etc... The first thing I am told is that "My policy was canceled 12/31/2016... Well, yes, the old one was but I entered the NEW policy number. I made no mistakes entering my information yet I am told my policy was canceled. I called and was told the same thing over the phone. The rep didn't bother to look any further than she did. I called back again after calming down and ask again. The new rep found my info after searching for it for several minutes.

My first experience with my new coverage was a total nightmare. I go to pain management and have been for about 15 years. In my location of the country the doctor is only allowed to prescribe a 30 day supply of narcotics which means I have to see him every month or I run out. Usually the day of or after my appointment I am out of my medicine. I go to the pharmacy and am told my drug isn't covered and needs a PA. Here I am on Thursday at 4pm, doctors office closes at noon the following day until Monday. We all know how busy doctors are on Mondays and especially Mondays the first of the year. I can't get my medicine. I called and was told first I didn't even have coverage again, so that started me getting upset, then I am told I need a Prior Authorization... DUH, that's why I'm calling, did you not understand me.

Response from rep: "Well, I can't do anything without a PA..." I explained my situation to her again, I said "Look, if I don't have these meds I'm going to end up in the hospital and you're gonna have to pay a hospital bill which is a lot more than my RX." Response: "I was just going to suggest you go to the ER." ANGER SETS IN. People on pain management who go to the ER for drugs are pretty much blackballed and sometimes even have the cops called on the. Not to mention I have a signed contract with my Doc that says I will NOT go anywhere else to get pain medicine or I will be dismissed from his practice meaning I will most likely NEVER be able to get into another Pain Specialist again.

I ask about the 30 day emergency supply. Response: "That doesn't apply to narcotics!" Well, it doesn't say that in the policy... So now I'm stuck going the weekend without pain medicine. In short(er) it took me 8 days to get a drug the same company UHC/AARP had been paying for over the last 12 years and suddenly I'm out in the cold. Thank GOD my pharmacist knows me and trust me. He really takes good care of his clients. He loaned me enough to get me thru which itself set me short for the following month because I had to repay them and even though it was the insurance companies fault, I still had to wait 29 days the following month before I could get it refilled. That lost week created by UHC was at my expense and they didn't care.

Now I have a medicine like the other I have been taking for a long time. This one however doesn't cost that much. It's like 1/10 of its alternative drug cost. UHC actually had the nerve to send me a letter telling me that a drug which cost $23 is too much and they aren't going to pay it any longer. The alternative if ** if you get my meaning. And $23 is too much. This is about the craziest thing I have ever heard.

Since they have given me such a hard time on my medications I have chosen to take advantage of the other benefits that are offered in the policy such as Eye exam and glasses, Dental care and Hearing Aids. Also RT trips to/from my doctor's office. These are all things I have been used to just paying and never would have considered turning it in to my insurance company.

They need to get their system fixed to warn patients at least 90 days prior to a Prior Authorization being needed for a drug. Doctors are hit hard the first week of the year doing nothing but filling out forms for an insurance company. And you're lucky if it doesn't get "Lost"... This creates an extreme hardship on both the patient and the doctor not to mention the insurance company itself for having to review so many Prior Authorizations at the very first of the year. Spread them out through the year and this doesn't cause so much trouble. Get it straight UHC... someone is getting paid a heck of a lot and doing a very poor job. You are trying to save a dime and it is costing you a dollar at the end of the day in phone calls alone.

My first was denied, My doctor sent in a two page letter along with 80 pages of support documentation for why I need this drug. My problem is severe neuropathy in both legs/feet. I have had back surgery, a spinal cord stimulator, duragesic patches, acupuncture, laser light therapy and most drugs that are supposed to give you relief.

** is the only one which gives me some relief. Maybe there are others with a similar problem who could point me in the right direction or the right agency to call. If an attorney sees this plea for help there is an option left, that is to take file a civil action in the courts. My doctor wrote in his appeal letter that "my pain is disabling and furthermore without adequate analgesia which only ** has provided me with some semblance of pain relief, without it he believes that my pain is life threatening". I have enough pills to last just under three weeks; Unless I get immediate help with this appeal I won't be around much after that. Thank you in advance for any help you may be able to provide for me.

We tried one, didn't work. Now he is back where he was before the hospitalization, unable to get out of bed, and can't attend the Partial Program. Now I filled the 2nd script to try. Why should he be forced to try these alternative medications, when he found something that was successful for him at inpatient? I have spent hours on the phone with reps from UHC who continue to pass me around from department to department. They are responsible for him spiraling downward, as they are not approving the medication that he used for a week successfully.

I tried to go online to change the group and was locked out; the website didn't work. I phoned Customer Service, was transferred about 5 times, and put through to a call center in Jamaica. I do not feel comfortable that my family's personal information is accessible by parties in a 3rd World call center. I feel even worse that the CSR there was rude, argumentative and demanded that UHC did not make any mistakes, and that the problem was mine to resolve. Finally, she found on her screen the error and was able to make the changes to our physicians and group, back to our original primary care physician... or so she said.

When I tried to access the website and my account information online later that week, I found that the changes had not been made, and the website still could not process the change. I had to call again, be transferred repeatedly, and finally got through to a CSR who took care of the changes. He told me that the previous CSR started the process but never finalized it. As for the website, it seems to be down regularly. Much of the above came to my attention when we tried to use an online physician earlier this year. We were locked out of the system then.

Today, we tried to use the online physician again via Amwell, one of the two providers shown on the site. After going through the process, about 15 minutes of processing, we received a message that UHC was not available to verify our coverage and that we would be billed for the service. We would have to take a chance that UHC would reimburse us if we were to submit a claim. NO WAY! Not with their reputation and record. Besides, Amwell charges $59 per virtual service; we have previously used Virtuwell for $45 and were very satisfied. If I had a choice, I would not be with UHC.

After having to call them FOUR times I give up. They kept giving circular excuses and saying it should have had a preventative code instead of diagnostic code, and I asked them to explain how was everything from last year rejected because they said preventative codes shouldn't have been used. They couldn't explain it and just told me the same circular nonsense and to get my provider to call them. I guess in India maybe there are doctors who are willing to call the insurance companies but not in America. So if you like paying for coverage that doesn't get you basic blood tests and Indian customer service that doesn't want to answer your questions and help you, you'll love United Health Care!

My Dad is 95 years young, one of the few remaining WW2 veterans and a very good man. He has had the SAME coverage through United Health (usually called AARP Medicare Complete or Secure Horizons) for 10+ years. In the past, I have been able to call the Customer Service Department & resolve issues or claim mishandling with little problem. And remember, I UNDERSTAND insurance terminology & contracts! No longer can I reach a rep & effectively correct matters.

My Dad was hospitalized February 3, 2017 after a bad fall, resulting a in broken hip & shoulder. Hip replacement surgery is not a good option, so the Orthopedic Specialist recommended Monday Feb 6 that we transfer Dad to a Skilled Nursing Facility, control his pain & reevaluate surgery in 2 weeks. So Internet whiz that I am, I brought up Dad's policy info on the United Healthcare website to view contracted Skilled Nursing Facilities (SNFs). I have done this many times before, with few problems. This time the website said there were ZERO approved/contracted SNF's in the area, which I KNOW is incorrect. I didn't want to call Customer Service, but I had no choice. I explained to the rep, Chad (he spoke perfect English with no accent!) that there was a system problem on United Healthcare's end, since we are in Dallas TX & there are many UHC approved SNF's. I asked him to look some up, including a specific one we were considering.

After his insistence (his system showed the same thing) that there are NO approved SNF's in Dallas, I begged, I pleaded, I cried - "PLEASE write this up & escalate it to your superior." I am trying to save my father's life, he's been your customer over 10 YEARS & I know Dallas has SNF's contracted by your company. He refused, saying I should call facilities myself & ask them, while I am at the hospital every day at my Dad's side. I was on the phone with Chad (he should be fired) for over 1 1/2 hours & he would NOT write this up for resolution or take my cell number for a Supervisor to call me back with an answer. I know you are HUGE, United Health & it is obvious what my Dad means to you - NOTHING!

During this conversation, which drove me to tears and rage, I happened to notice that the provider search function on United Heath's website re-directs you to some company called Rally Health. It appears United Health has subcontracted this function AND others to Rally Health. So the Provider Search Function is botched up, not working, hospitalized client's family member is TOTALLY disrespected & the UHC rep never heard of Rally Health, nor was Chad interested in getting any answers for me!

All I can say is, GOOD LUCK to any client of theirs without an aggressive advocate like me that is insurance savvy! Even the Orthopedic Specialist told me to get true Medicare for myself when I qualify, NOT UHC Medicare replacement. I will NOT recommend this company any longer! I'll also be reporting this fiasco the State Board of Insurance.

And as to Dad? He's still in the hospital, waiting 2 days now for United Health's approval to transfer to a CONTRACTED SNF that I found on my own, even though UHC says there are none in Dallas Texas! Wonder how long before they figure it out & get it approved! I'll also post this to my contact at forbes.com. UHC owes their customer a little respect & maybe the benefits stipulated by their contract!

First they said that it was because I change providers which doesn't make sense because if that's policy you should be allowed to see your new provider to make the necessary changes before canceling the medication approval, then they said that since the medication was denied I had to file an appeal even though it was them who messed up. I was promise that someone with authority in the company will contact me, somebody from corporate office named Nicholas ** called me on Monday February 6 at 9:48 in the morning and told me that my appeal went through and I was again approved. I waited a day before calling pharmacy and I called today and was told that I still wasn't approved. I called United Health Care back and was told that my appeal was denied because I didn't have the right to an appeal with no explanation. After much complaining I was told again to expect a call from corporate. Still waiting.

All of this has been happening after many hours on the phone with 20 customer service reps that have apparently no training, 20 supervisors that only can read what's on the screen and have nothing else to say other than "we are sorry, we apologize" and corporate moguls that think that they are above the people who pay their salary and don't care about people's health cause we are only a money sign. It's all about revenue. I am also contacting an attorney because this people don't care about patient rights and something has to be done. I also didn't described in detailed the rudeness of some of the employees, the lack of consideration and much more.

I received the shocker of my life when I found out (and believe me, I have scoured my paperwork high and low. This information is ONLY on the WEBSITE) that I had to pay my ENTIRE $10,000 deductible, before ANYTHING would be covered. Not even preventive care doctors visits. I make $32,000 a year, before taxes. Between my premiums, the insanely high deductible (for 2 people), rent, car insurance, electric bill and child care (totals $23650). I'm left with $8,350 to live on for the year. Now consider that out of that $8,350 I still have to pay taxes, food, phone, gas in the car, oil changes, car registration, school registration, field trips, school books, medication, co-pays, the list goes on. It kills me how in this "first world" country, we have the WORST healthcare coverage and premiums in the WORLD! UHC is the worst, absolutely worst.

When I asked how long that takes, she said it would be a week before they could get me in for a consultation, and about 10-14 days to receive approval from UHC. About 3 weeks. I'll just remind you, I have a wisdom tooth visibly poking through my gums, pressing in to my back molar, causing a decent amount of pain and difficulty eating. Something a 5-year-old could tell needs to come out soon before it gets infected. And my insurance company thinks its acceptable to wait 3 weeks.

So I tried to call UHC for help, at 9am ET. First I looked on the company's website, where I could not find a customer care phone number anywhere. The only option was to submit a form with a question and they would contact you the next day. Ha. Then I remembered there is usually a phone number on the back of the card so I found that and called it. I had to speak to a human being for my problem, but apparently 9am ET is outside of business hours and I need to call back during business hours, only they don't tell you what business hours are. Awesome. I ended up just going to an oral surgeon I had used in the past and paying for it out-of-pocket. There was no way I was waiting 3 weeks. That is unbelievably ridiculous. I was lucky enough that open enrollment was still going on. I cancelled my UHC insurance while I still numb from the surgery.

After 10 days we finally got the referral. It is for a foot and ankle institute & they do not even take UHC yet UHC customer Service gave us this doctor knowing it was supposed to be for a back injury. I have spent the past 3 days on the phone calling UHC Customer Service & different therapist to find one that will take Navigate HMO. This is very frustrating & time consuming. Now that I have finally found a PT that will take this insurance, I have to give info to primary care doctor so she can start the 10 day referral process all over. This is so wrong, we pay our premium but can not get any services. Their customer service is no help either. My husband is still in pain.

I have contacted my college roommate who happens to be a lawyer to go after the $575 bill. Just a side note I am an executive currently with an insurance company and know how Insurance works that is why I got it my I's and crossed my T's, but still got screwed over. Just look at their one-star rating before doing business with these Crooks. Do yourself a favor and go with Blue Cross Blue Shield if you have any option.

I sent a letter stating this and UHC responded and denied my request for GAP EXCEPTION, (term used to get a dr. in network that presently is not) UNC said Dr. ** is in network and can treat me, and provide the same services as Dr. **. I called Dr. ** and got an appointment, and sent my medical records to her in advance, so she would understand the complexity. Dr. ** called me two hours before the appointment and said she could not handle my case. I told UHC, and they said I needed a note from Dr. ** stating she couldn't treat me. Dr. ** said she wouldn't issue me a letter. UHC said I would have to file another appeal stating this and they would review my claim again.

In the meantime, they called and stated there were two other doctors in network that could perform the same procedure. I spoke to Dr. ** office and he said he is only in network when associated with a hospital, but not in his private practice, where is where he would have to see me. (SAME STORY, SAME RESULT) UHC is preventing me from seeing a doctor (Dr. ** or **, for that matter) that has already committed to me that he can treat me, as he looked at my medical records. My heel is twice the size it should be, I'm unable to walk on it, and have been like this since Nov. 2015. It has now been 15 months without any relief. My foot is turning purple, swollen, numb, hot, then freezing cold. It hurts every day. I can't wear a shoe, and lately can't even fit a sock over it. They are causing undue harm due to their negligence. This is just so wrong and I don't know how or where to go from here.

For both of my health problems they have done this to me! I call to ask why? "If this medicine finally work, why would you make me pay more money? You more money? I don't understand!" Their reply, they didn't tell us why, they just won't pay for it any longer! Just start over! They put me on hold, hung up on me, transferred me numerous times, didn't help me at all! I am so fed up with this company! It is through my employer is the only reason I keep it! Do not get United Health Care if you have a choice! They are basically worthless!