UnitedHealthCare Reviews

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!

A month later I received invoices for nearly $900 for the procedure, biopsy, etc. So, I started calling UHC in early November 2016 and was informed that I have a special supervisor that would handle my case due to the type of plan my company has with UHC. Over the next month I must have spoken to a half-dozen or so representatives and left multiple messages for my "special supervisor" - she never returned any of my calls. Finally, in December, a UHC representative said I could file an appeal and explained the process to me. So, in mid-December I wrote a letter to the UHC Appeals Department explaining all the details and to why UHC should pay the ~$900 in medical expenses. (After reading some of the other complaints about UHC on this ConsumerAffairs website - you can probably guess the outcome of my letter and efforts.)

I received a response letter a month later than the date it was received by UHC and of course my appeal was denied by a "Resolution Analyst"... I wonder what education level and training is required to achieve that qualification...? The response was that "information given by a UHC customer service representative is not a guarantee of payment." How irresponsible.

So now I am going through another level of the UHC appeal process with the... Wait-for-it... "Central Escalation Unit". Sounds important. But I'm assuming another 1-2 months of runaround to receive a second impersonal computer generated denial letter - unsigned by a UHC representative whose name is typed at the end of the letter as to be somewhat official... Just like the first letter I received from UHC's Appeals & Grievances Department. Good luck to my fellow citizens in battling your insurance company... They must have some powerful lobbyists to make sure they avoid providing excellent treatment of citizens and to avoid any serious repercussions.

The marketplace then required me to apply for a new plan and would not allow the Silver 5000 to be reactivated for the February deadline using the money being held by United Healthcare in escrow. I chose the United Healthcare Silver 4000 plan as the new plan and made all payments moving forward for February sign up. United Healthcare keep the escrow account money for 60 days before moving to my Silver 4000 plan. During this time my account showed 30 days pass due because it believed I owed for January Silver Plan 5000 and the Silver 4000 plan never really activated, no cards would be sent to me and the system would not allow for website self-serve like picking a primary care etc. United Healthcare never provided any basic insurance services, but they did provide 5 months of instability and more than a few hours of phone time.

I made three or four phone calls with United Healthcare and the Marketplace which required me to fill out a new application to make address change. Always being told the problem would be corrected in 30 days and check back. The “no services rendered” is not just about a card or instructions/benefits or even competent customer service. The reality is the system would not let me even pick a primary care giver for me or the family. It would error out. The system kept trying to see the Silver 5000 plan and would not give me insurance under the Silver 4000.

When you pay premiums as a customer you should have the basic security that if something medical were to happen then medical insurance is active, you have cards, you have a primary physician etc.. My family and I never received that security or peace of mind. Then I receive a notice from United Healthcare informing me the company is pulling out of Alabama and I need to find a new provider. United Healthcare received $2,468.35 from me and nearly $4600.00 from government subsidy and never gave me basic administrative needs or even access to the services.

She already has to take ** some nights to fall asleep on the ** that she has been taking for 4 1/2 years successfully! She was held back one year due to falling behind and her ADD. She is now getting all A's and B's and United Healthcare does not want to pay for this generic drug until she tries cheaper alternatives. This is criminal negligence in my opinion and my husband and I are both lawyers. What's worse is that her doctors office appealed their decision on 12/12/16 and here we are, 1/24/17, and no decision has been made. When I call they say that there is no record of a pending prior authorization and to call my doctor's office.

When I finally pressed the issue with United Healthcare today, they told me that it was in the appeals dept. since 1/17/17 and they had 48-72 hours to make a decision from the time they receive the appeal. She could not explain why a decision had not been reached and she could not give me a phone number to call nor a fax number to write to. We have already paid out of pocket for the last refill when coverage was denied. The cost was just over $200!!

The UHC staff had called my Dr. who is in Network and I have been a patient of his for 17 years. UHC misled the Dr's office staff and they denied me from being a "new" patient. I called UHC and they called his office back and gave them the correct information. UHC sent me a new Member ID with my Dr.'s name on it. The same day in the mail, they sent me card assigning me to a Dr. in another state!

I called and complained to a Supervisor AGAIN. They said my Dr. I selected is my Dr and they would correct the card and send me a new card - even though they already sent me one. Today, I received a new Member ID card. With the name of the other/WRONG Dr. in another state!!!! AGAIN!!! So, this morning I have to do battle with our nation's most incompetent employees AGAIN and listen to them AGAIN worm their way out of responsibility for the continued ** ups. And then have to wait for a new card AGAIN.

How on earth do these incompetent people hold a job when they don't pay attention to detail AND do their job RIGHT??? I am seriously ill with several fatal conditions. UHC is ENDANGERING MY LIFE by not allowing me to go to the Dr of my choice who has kept me alive for 17 years. If you are choosing a managed Health Care plan in NE to receive medicaid care, please be aware of how poorly managed health care is provided by incompetent nincompoops who can't follow simple requests, simple instructions so their consumers can receive consistent medically necessary health care. Be prepared to self advocate strongly and aggressively and hold them accountable for their ** ups. Or you may risk death through the fault of poorly handled managed health care.

Since mail-order is a large part of Optum's business, I don't know why they cannot get it right. They also frequently reject our prescriptions saying that they do not have the proper doctor authorizations. I call United and United can see the proper authorizations, so why can't Optum? Optum made us switch from a generic to a pricier brand-name medication for my children's daily medications. Doesn't that seem backwards for an insurance company to do? I wish United would see the harm (literally) they are doing to their customers by forcing OptumRx upon us.

A customer service people that won't let you get in to talk to the staff that is necessary to talk to to get the care you need. I really hope people make this joke of a place exempt from their choice since we now have the freedom to choose who we desire and I do pray that Donald keeps his word. Now I'm saying hats off to Donald Trump on the insurance every person have the right to choose who they want as their provider. Bye bye United Health Care. I believe you're the first to go Saranac **. Now go to the unemployment line all of you disrespectful customer service losers.

Furthermore, I have reported that OptumRX online system has not worked at all for as long as I have been enrolled they program. Today was no different. When I asked to speak to a Technical person, Jesse TD me that he could not let me speak to the technical Dept. They did not take calls from clients. I would just have to know that most of their clients were not having issues and would have to try again later. I am a techy person, build computers, work on everybody's computer and probably have the faster internet speed in my area, but I was treated as though I had no clue and I was nice. This is it... No more...

These sites are great -- Consumer Affairs, BBB, U.S. Dept. of Health and Wellness, etc., however very scary how many people log complaints that are exactly like mine, and never get resolved. This is why they continue to rip off the American public. Please Consumer Affairs, please help STOP this from happening to good people that pay their bills, work round the clock to support our families, and get the shaft after paying their premiums. JUST PLAIN WRONG!

This is the second time in 3 months they have done this. It at best if I do OK has disrupted my chemotherapy because I cannot take it if immunosuppressed. My advice to all of you who do not have my resources is to choose an insurance company that is compassionate and patient friendly. This would not be UHC. They are miserable and uncaring. As a physician I treat everyone the way I would want me or my family treated. I wonder if the UHC execs would get this drug if it was life or death. I am seeking counsel at the very least and will try to change carriers at the executive counsel of the University.

The guy at OptumRx said this is his first time he couldn't get it to go through and he was on the phone to my insurance for hours (I was on hold). Please if you have any medical issues please do not join. I cannot wait for the end of the year, we will definitely be switching. I guess I am going to have to go to the emergency room or pay out of pocket for my medicine. Oh when I call United Healthcare they say that I can go to the pharmacy and pay for the medicine out of my pocket. I asked, "Why do I have insurance?"

One is dirt cheap and the other crazy high, that's hard to get my head around. The ER is preferred, so as to keep blood levels constant, especially because pharmacies often switch generics month to month. Next, they denied his **. Not placed it on highest tier, flat out denied it. (We were expecting a $150/month co pay on this.) This is the med that when was added to his other meds 5 years ago stopped his seizures. This will cost us $1000/month. Yes, we are appealing, so we will see what that brings. And yes, our son has been through most ALL epilepsy drugs which his epileptologist can document. I know not all with epilepsy have such a complicated history, but many do. I don't know how they can screw with serious medical conditions like this. I don't know how they can believe people can afford the drug costs they shift to us?!

To say nothing of the fact that just stopping a epilepsy drug can cause serious harm. Or go back to constant seizures because they won't cover, and we can't afford $1000 every 30 days for ONE medication. Our other son takes an ADD drug that was supposed to be covered at $50 a month. Surprise! Even though their 2017 drug book lists it as a tier 2, it's a "mistake" and that will cost us $277/month. Filed a grievance on that one (and it's only the first week on the plan!). l'll tell you what the mistake is...signing up with UHC. As for the customer service, they are polite and experts at explaining what the rejection letters and other materials mean. Since I can READ I don't need it re-explained to me...but they are of no real help. I have also found in my numerous phone contacts with them, it seems they start looking for ways to roadblock you.

I can only imagine the problems we will encounter and hoops we will have jump back and forth through if we actually have any hospitalizations this year. Or even what neurology visits will bring. BTW...my spouse searched the salary of UHC 's CEO...one hundred million a year! I could go on about that alone, but will leave it hoping he and all the other execs there sleep good at night, because clearly the people they insure can't.

Do they really think I am going to let this go unanswered? What do we pay them for? I guess they are just gambling on the fact that most people will be too lazy to file an appeal? I shouldn't even have to deal with the process and wait to see if someone else is going to do something about it. If it wasn't for the pathetic legal system and indoctrinated police and society people would go down to these companies with guns in their hands. The scum owners of these companies would never screw another person again, I can guarantee you that. Obviously the thousands of complaints and horror stories have accomplished nothing. When is it going to be enough?

I was surprised but also relieved since no one in the first two calls had any idea how to fix my log in problem, I thought I could at least get a Dental office name and phone number. So I go to that site and immediately realize that I was once again given incorrect information from one of their employees. That site required a LOG-IN before I could put in a zip code. So here I site, unable to log in, unable to get any helpful information from their company and in essence, I can't schedule a Dental appointment that I am in urgent need of. To made it even worse, today a week after my UHC Insurance took effect, I finally get their handbook. Now my former outstanding insurance company HealthNet send this information in bound book for, easy to read and store.

Pathetic United Health Care sent me a stack of about 200 loose pages because they are too cheap and poorly managed to BIND this reference BOOK. To make it worse, they could have at the very least punched holes in them with a 3 hole punch allowing their CUSTOMERS go BUY a BINDER for the BOOK that they were too cheap to bind. I have absolutely nothing good to say about United Health Insurance and would clearly tell anyone looking for a Medicare Advantage plan to choose any plan except United Health Care. They do not deserve 1 Star. I can't imagine how my experience could have been worse to this point. Avoid United Health Care!!!

At this time the Doctor has spoken to them. I have spoken to them and they said we have to appeal - of course it is the end of the year. An appeal even if we would win wouldn't matter as a new deductible and new insurance since they are no longer offering this plan we already had to purchase elsewhere. Not fair at all - the Doctor said their hands are tied - insurance said we have to go through the Doctor and they have to appeal with the Insurance. Seems like they just wanted a way out of paying a claim - and they won.

I have been seeing the same healthcare providers for over a decade but now I need to find one that is in their network. Most providers don't even want to deal with them! If I needed to see a doctor on my previous insurance I had a $30 co-pay but now I need to pay the full charges up to my deductible. My medications now cost me five times more than before. My twice a year blood work that was covered 100% will now cost me hundreds and I will have to switch to their recommended provider. What I should have done is shop around for better insurance instead of shopping around for cheap healthcare. This insurance actually makes you not want go to the doctor or have tests performed even when you should go.

It's pathetic to me that after taking months and months and months of premium payments and not paying a dime they totally ignore out of pocket expenses in relation to the new deductible. UHC is a great example of what is wrong with healthcare in America. They are not there to help you when you are sick. They are there to squeeze every last penny out of you without lifting a finger to your benefit. This is why people with chronic illness, sudden seriously illnesses, and trauma struggle financially. It's so sad that in 2016 insurance companies are still being allowed to take such advantage of people who actually need to use their insurance. You are now REQUIRED to have health insurance or you will be penalized. When are the insurance companies going to be penalized for the treatment of policy holders?

If I could ditch UHC tomorrow I would. I had Anthem for years prior to this and never had a single issue. Everything was covered, minimal pre-authorizations were required, and the premium wasn't that different from what I pay now. With UHC every other script I get either has to be totally pre-authorized or needs a request for a quantity limit increase, or isn't covered at all. If you can help it, stay far, far away from UHC.

Because the colonoscopy involves anesthesia I was cautioned against driving myself. I'm single and couldn't find a volunteer driver so - what to do??? I was attempting to avoid expensive taxi fares. I contacted UHC again and was again advised to arrange this "free" transportation myself... with no specific instructions. I later discovered that the UHC advisors simply don't know how if identify the procedures for arrangement of such transportation. Local organizations actually exist for medical transportation but UHC was not able to identify them. The ignorance of the UHC "Help" personnel have caused me to waste several hours of time in telephone calls.

Reason #1: Failure to Process Submitted Payment with No Notification. What I discovered stunned me. Not only had United Healthcare not withdrawn my first payment, but they had also reneged on their pledge to "contact you in the next few days with details about how to pay," as their contract with the Marketplace required. I had no clue that they had not processed my payment until today. My husband had no healthcare insurance. All because they neglected to contact us as required, nor did they process my payment.

Reason #2: No Follow-Up Calls, No Bills, No Communication. Not only that, but when I called to complain and make a payment, the person, "Rain," that I spoke to told me that they never process the first payment by bank withdrawal. Yet United Healthcare did not bother to inform me of that fact until today. I received nothing from them. No emails, nothing. Reason #3: Lack of Knowledgeable, Honest Customer Support. When I found out that my payment had not been processed, I asked to pay immediately to get my husband under coverage. Not only did "Rain" give me false information (she provided me with an ID number, a policy number, and a confirmation number that a follow-up call proved to be false: no such numbers were in the United Healthcare System. My husband still had no account, according to their records.

Not only that, but "Rain" could barely communicate in the English language, nor had she any knowledge of even the basic facts about the Marketplace system--or of the United States, for that matter. For instance, she repeated back numbers several times incorrectly before getting it right. She didn't even know that Ohio was a state, nor did she know that the Marketplace was a government agency. She seemed to think that it was a partner company! In all, I spent over three hours on the phone with "Rain" and her equally incompetent supervisor. I pay over $500 per month to United Healthcare for my own individual coverage. Before today, I planned to keep my coverage with them. No longer.

Anthem--who processed my payment for my husband's 2017 coverage the day I made it--who sent me all of the information I needed to log in to his account immediately, will have a shot at my business. But before I sign on the dotted line, I plan to ask the company about their customer support service. Never again do I want to risk my coverage on a system so shoddy as that of United Healthcare.

Additionally, they refuse to put anything in writing that's discussed over the phone, making it impossible to guarantee that the information their representatives provide is true. You often get contradictory or incomplete information and their representatives will not give out full names, ID numbers, or direct contact methods. Furthermore, I routinely hear of doctors leaving United because they reimburse at such low rates (comparable to Medicaid, meaning they don't have the most specialized, highest quality, or experienced doctors). Avoid this insurance company at all costs! (More details below).

I am a young professional with a chronic, degenerative, disabling illness. I see a psychologist for stress management as part of a comprehensive team of doctors. After my employer switched insurance companies in March 2016, I had to find a new mental health provider as my psychologist was now out-of-network. I went through the appropriate appointment search process with United to find an in-network psychologist who could meet my needs. My criteria were fairly basic: a female provider, someone with a doctorate (not a social worker due to the complexity of my health needs), and someone within a six-mile radius since I cannot drive due to my disability (this includes all of DC and a large portion of northern VA).

After six weeks, United told me that they could not find a professional who was accepting new patients that met these criteria. I asked to have my out-of-network psychologist considered in-network. They said that this would be possible. I provided them with my psychologist's information. At the time, it was not made clear to me 1) I had to inform my psychologist to contact United (I thought by exhausting the appointment search process the switch from out-of-network to in-network would be noted in their system and United would contact my provider directly to negotiate costs); 2) There was a time limit in which the provider had to contact United to have appointments covered; and 3) That the case exception arrangement had to be granted before any appointments in order to have them covered.

I then realized the claims from the psychologist were still being applied to out-of-network deductibles, not in-network deductibles. I called United and was informed that in fact it was my responsibility to tell the provider to call United, not United's responsibility. My psychologist called after my next appointment in early September to form a case agreement starting with appointments back in April and continuing forward.

At which point, United took a while to review the case arrangement request and denied coverage. They stated that they were denying coverage because my provider did not contact them in a timely manner. I have since appealed the case and was denied again, despite telling United that their process is very opaque and their representatives failed to inform me of the correct process or that there was a time limit. Note that you can appeal a coverage decision for 180 days and this is the typical timeframe for appealing for coverage for most things (like experimental tests, etc.).

I then asked if it would be possible to at least have the appointments from September (after my psychologist called) covered as in-network, but they said no as the provider requested for appointments starting in April, not September, and the case arrangement would have to be approved prior to appointment coverage (another detail I was not informed of originally). Now United said that my provider has to contact them again in December to have the case arrangement started so I can get appointments covered starting now.

United makes the process so complicated and opaque hoping that patients will make mistakes or providers won't follow up so they can stick the patients with the bill instead of compensating for their own problems. Luckily I have all my mental faculties intact, but still find fighting United's bureaucracy nearly impossible, as I need to work full-time to maintain my benefits while juggling a complex, evolving, and debilitating medical condition.

Finally changed PCPs and got a referral to a liver specialist but not a surgeon. He referred me to a liver surgeon at UNMC and I checked, UHC does not have any liver surgeons in network, if I want to see one, I can pay for it. I called and asked for a gap exception, and they refused that too. So I paid for two CT scans and an ultrasound, and the radiologist report states that it is at high risk for hemorrhage, and that a biopsy it not recommended because it would either rupture or hemorrhage. The radiologist believes a liver resection is required. It sucks not knowing or being able to afford to get this taken care of while I am healthy. So after my family has paid premium, deductible, and out-of-pocket expense, we were "lucky" to only pay $20,000.00 for one year of coverage. I am not sure how this is affordable if it doesn't take care of your medical needs.

Two months later the same thing happened. I called again and set up automatic payment with a representative. Two months later this kept happening and no one could tell me why. After this automatic payment was set up. I should also mention that I was paying $199 a month. When it came time to renew my insurance they increased the price to $267 a month for the exact same plan. Nothing I could really do about it so I just sucked it up and paid it.

Three months later I'm at my pharmacy picking up a prescription and my pharmacist told me that I don't have health insurance. I called United Health Care right away and the women on the phone told me that I haven't been paying my bill. Come to find out that United Health Care had been automatically withdrawing the $199 from my original payment but they had not updated my file to withdraw the $267. I had to make a payment right then and there for the missed months plus the current month and the next month as well and I had to wait 24 hours and go back to the pharmacy, on my lunch break again, to pick up my prescription.

Now every month I see my dermatologist. United Health Care sent me a list of approved dermatologists. Most of the doctors on that list had either retired, died, or did not accept my insurance. Finally after six weeks of searching I finally found a dermatologist that accepted my insurance. The first few visits were fine. Every month I have the same thing done at the dermatologist. On my fourth visit the receptionist told me I wasn't covered. I called UHC and they said I was covered and that the dermatologist used a different tax id number. The billing department at the dermatologist had no idea what they were talking about. My next visit was covered. The visit after that was not covered. This went on for awhile and every other visit I was paying over $200 out of my own pocket so that I could be seen.

I kept calling UHC about this. Sometimes they would say that they would reimburse me for my out of pocket expenses and that they would send it to my dermatologist. They never did. Sometimes they would say they would look into it and call me back. They never did. One time the woman hung up on me. Obviously I was mad and perhaps a bit rude on the phone but I was still calm and she hung up on me. After all of this I cancelled my insurance policy with them and went with a different insurance company. I called after my insurance was cancelled to make sure it was cancelled. I also called my bank and informed them that my insurance had changed and that I no longer gave approval to UHC to remove money from my bank account.

Fast forward three months later I get a voicemail from UHC that I'm behind on my payments. I called and talked to a girl and explained that I don't have health insurance anymore with them. I gave her my name and she looked up my account and said that my account had been closed and I do not have a balance and she's not sure why someone called me. I asked her to send me a statement stating that my balance is zero because next month someone different would be calling me and telling me I have a balance. I feel like there are a few other unprofessional things that happened in the last two years that I just can't remember. But as you can see I was never happy with them and I'm never going back to them again.

We asked United Health Care for the Doctors name and credentials and all they would say is their medical director. We asked for their name and credentials and were refused an answer. This insurance company has cost our family lots of money for insurance premiums and cost of Doctors visits, blood test, medicines, etc. with no payments on their part. This company is the worst, useless and greedy company I have ever dealt with.