UnitedHealthCare Reviews

Like many good ideas and institutions like Hospice, corporations ride on the good name. Such is the case of AARP and United Health. I quit being an AARP customer when I realized it was no longer fighting for my rights but the rights of United Health. Since AARP does not wish to do this, bye, bye AARP and UH.

I started with United Health Care on April 1. It's been an absolute nightmare. I was assigned a doctor after the first one canceled my appointment and then decided no longer to be with United Health Care. That put my appointment somewhere within the next two months because of this situation which was no doing of mine. Kept on telling them I need to see a doctor but they told me I was not eligible until May 1 even though it was their choosing to send me to a new doctor and their employee relationship with the old doctor was terminated. Told them I really needed to see a doctor because of nearly passing out. Emergency room doctor told me to see my primary care it was important.

I had a colonoscopy done 3/18/16 and it was to be covered at 100% as preventative; this includes anesthesia, and anything bill that had to do with this procedure. As of today, they have not paid everything and I am getting bills for this procedure. I have called United Health Care several times about this and was told they will resubmit the claim and they would call me back. They have not called back or taken care of this issue. It shows all claims processed when I log into my United Health Care account but they still have not paid these bills. The customer service is extremely bad.

Worst insurance company ever! I don't even understand how this company is still in business. Nothing but problems. They denied my claim even though they sent me prior authorization. When I asked what the authorization was for I was told it was to have the procedure. I do NOT need their permission to have a procedure done. That does not make any sense. Now they sent another denial but with the doctor billed under another name I have never even heard of. What a crock.

It is now the middle of April since my January appt and they will not pay my claim. I didn't have my cards or FSA because they didn't send them on time. So, I paid cash. I sent them a fully itemized invoice saying all that was done and that I paid up front. They harassed my doctor and myself and still haven't paid. I lost my temper in emailing them and they passive aggressively responded every time with something snarky like "hope you're having a great day" when I obviously was super frustrated and upset. The kicker now... they still haven't paid and are stating that they may bill me. TERRIBLE COMPANY. INCOMPETENT and DANGEROUS.

My mom recently passed away, and in going through all her paperwork, I discovered that she had United Health Care as her insurance. I wish she would have told me this because I would have warned her not to use this company due to their horrible reputation. Anyway, I phoned UHC to let them know my mom had passed away and asked them to please cancel her account. They informed me that before they'd do this, I needed to provide them a copy of her Death Certificate (which I could easily do), and that I also needed to provide proof that I was the Executor of her "estate". I told them that I could send them a copy of her attorney prepared, legally done and notarized will, which states that I am her only child and that I was indeed the executor of her "estate". I also told them that my mom had no "estate" to speak of, considering that she had lived in a small rental unit and had no car, but they didn't care about this.

When my upper molar CROWN broke over a year ago my provider requested service approval. The affected surfaces are occlusal and mesial. There's a huge gap between the broken PFM crown and the adjacent tooth. I started getting food impaction, constant pain in the gum, frequent subgingival infections and inflammation. According to UHC customer service rep I have dental coverage. My provider's initial request for service was denied, an appeal was denied. Reason: insufficient evidence of decay. There's no tooth decay. It's a PFM! But the numbskulls in dental review department can't seem to understand by looking at clear pictures made by in intraoral camera my provider submitted.

The insurance company play phone games. They are liars and time wasters. They continuously send me a card with a dr. that is not in network. They say it's the Dr office that needs to update and the Dr. Offices say it's the insurance co. I called to get a primary care dr.. again. Mine fell out of network in Nov! Meaning they haven't been paid by ins. Co for almost 2 years... so I was given many doctors that were supposedly verified and turns out no they don't take the ins, some for over 5 years now and not in same locations. A lot of times there is no such person at the office or at United Health Care because they lie and read that I'm sorry script. They do not give you a supervisor, they have fun doing these games.

My financial counselor said that my procedure was covered based on the UHC's Policy that she read online. So, she submitted for me to have this procedure authorized and it came back denied. UHC could not give a reason. They said that the policy that the financial counselor read online was "in error." It made no sense, so I have wasted much of my time calling UHC and was transferred to a few different people. Even the clinic member could not give me an explanation. So she said she would send this off to a case manager. It's been two weeks and I have not heard from anyone. I really don't think their own employees even understand their own policy. I am extremely disappointed and has caused much stress in my life. It's all about making money these days for these big corporations. Customer service is always last.

Health coverage was to start on 1/1/16 did not get put into their system until 1/15/16 and did not receive my cards from them until 1/16/16. Had a prescription filled on 1/4/16 that would have cost $12.76, however due to not having insurance card was charged as if I did not have insurance at the price of $69.99. Requested over the phone and in writing reimbursement of $57.23 which was denied by the Resolutions Dept. Numerous calls to UnitedHealth One and each call I was on hold for 20-30 minutes before reaching a person. Terrible customer service.

I decided to try United Health Care because they seemed to offer the best policy. True the deductible was much lower than the other major insurer offered. I remembered my grandma had used them and liked them. That was before all the healthcare requirements. I applied and gave them the first payment info. I never heard from them - no insurance card, no bill, nothing. I tried to access their online site. It says I do not have access and I must call. No one could find my policy.

On the UHC website, I researched several doctors to use under the Compass Balanced plan through healthcare.gov. The bronze plan I chose did not have my current doctors but I thought I could get by with the doctors I saw on the website. The individual plan is $685/month - NOT CHEAP. When I tried to make annual check up appointments, I found out that none of the doctors that I found on the UHC Compass Balanced website actually take that plan! The famous bait and switch routine!

My wife needs a spinal fusion. MRI results provides proof along with a Neurosurgeon with 15 years experience - they say it's not needed - they don't want to pay for the surgery. They will not say why or who made this decision - it could be anyone, who knows? She is becoming dependent on narcotics to be able to dress herself etc. United Health Care is the worst company we have ever dealt with. NEVER EVER choose them for your insurance company. There is NO Governmental Agency to police these companies - we are screwed.

United Health Care is HORRIBLE!! My husband and I signed up on December 15th, 2015 and paid our first premium the same day it came out of our account on December 17th, 2015 and was suppose to be effective January 1st, 2016. Jan. 1st came and our insurance info didn't come, no cards, no information packets. So we called they said we didn't pay for our insurance so we need to make that payment in order for us to have our insurance activated. I told them it was paid and I have proof it came out of our account. So after countless phone calls and wasted hours they found our payment... but not till Jan. 15th!! I wasn't notified till Jan. 21st that they found it!

I will not be renewing with this company next year. I had to wait a month to get approved for dental work after a tooth was broken, this has never happened to me with other dental plans. There is a separate website each for medical, dental, vision, and to get prescriptions in the mail, 4 total!! Because I turned 65 last year I can't be enrolled in Washington State Health Care anymore. It's much better and cheaper than Medicare/United Health Care.

I signed up for the $400/month bronze plan with prescription savings plan. Once I signed up for that plan, I then found out it doesn't cover mail order prescriptions or most prescriptions in general. I called for assistance and basically was told, "Sorry we can't do anything..." I basically was lied to or tricked prior to signing up for this plan, and now each time I call it's basically "too bad for you." Also, while applying it asked for my PCP, so I put their name in. Have been seeing this specialist for years now. They put some random doctor as my PCP. Never heard of him.

Terrible customer service and why pay for health care when everything gets denied and has to go through some black hole process? I have spent hours and hours of my time and gotten nowhere with this company and 2 appeals for a smoking cessation drug that is covered on my plan but they don't want to pay and have ruined a 15 year relationship with my general practice doctor. Now I'm told no more appeals and I have to wait 180 days to go through this process again! Yeah right! If any company treats their customers this badly they go out of business!

On March 7th, 2016 I called UHC AARP to inform them wife had passed and they still took the 100.00 plus dollars from our account. They said 10 to 14 days it would be back in. They lied. Today is the 23rd. Called them. They said I'm not the insured, can't talk to me. I haven't eaten since the 8th. What they pulled out of our account was the remaining money in it. Lady said "sorry for your loss but can't talk to you," so be careful. They want your money but really don't give a damn about you. I cancelled my AARP membership. Not giving them anymore money. Going to bay area TV station with this. Maybe people will realize AARP only in it for themselves. Yea, I'm dorked off.

I signed up for United Healthcare in Alabama after disability caused me to resign my position in a hospital after 35+ years. After signing up... the nightmare began. I live on the Georgia/Alabama and my physicians are all in Georgia but I could not sign up for Georgia coverage even though my doctor is only 10 miles away. I am not able to drive, so all appointments have to be arranged with someone to drive me. So I made an appointment to see a doctor 30 miles away after being turned down by no less than 10 doctors on their so called plan because they no longer accepted UHC. I showed up for appointment, filled out 10 pages of paperwork, paid my co-pay and waited. I had informed receptionist I was being seen by a Pain Management Specialist in Atlanta, and she said "no problem." :)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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