UnitedHealthCare Reviews

I didn't experience problems with United Healthcare Insurance until I moved to Lynwood IL. Before leaving Wisconsin, I transfer my coverage to IL about three years ago. I met with the representative, who came to my home to assist me through the process. The professional representative help me to picked a network providers. My disability requires on going treatment. United Healthcare provided a nurse visit to make sure my medication were taken correctly. Two years & $30,000 later, I learned they paid less than 10% of my doctor visits. I appeal their decision but don't get a response. I pay medicare and co-pay to the doctor's. I have medical collections office that will take me 30 years or more to pay, plus I have to pay cash to see any doctor. Now I am out of money and living in pain. I don't know where to turn. United Health has really destroyed me financially and medically.

I have been with United Health Care for more than 20 years now. I pay them $300.00 a week. $15k a year and have never had a benefit approved. At this time I have a lump that is growing in size and now is the size of a softball. I have been to my doctor and he needs an MRI to diagnose, NOT APPROVED! So, there is Nothing that can be done. There are no dentists within a 100 mile radius that will accept UHC and accepting new patients. When I have to see a doctor for anything it is actually cheaper to tell them that I do not have insurance than to disclose UHC. There are always two prices, one for people with insurance and another for people without. Doesn't that prove that ins co is being ripped off at our expense? Their customer service is not helpful. Where do you go for help?

My family is on their 3rd experience with United Health Care as an employment benefits provider. Each time our experience gets decidedly worse. I am the Father of a severely disabled young teenager. He does not, walk, talk and suffers from a seizure disorder; thus is 100% dependent on assistance. This is not a new condition. He was born with these limitations. We have claims from time to time to get him durable medical equipment for use such as a wheelchair, among other things. UHC has denied such claims by stating "they are considered as Personal care, comfort or convenience." Let me restate, he does not walk and is a 5'4" 100# teenager and growing.

My PCP ordered MRI and United Healthcare refused it. It took an appeal and more than 10 phone calls and was bounced around from one department to another. Endured severe pain for more than a month. And finally, some had mercy and approved it. For the last several months, I received a letter stating that I have a 2 month balance due. There has been no missing payment because they withdraw premium from my checking account, usually within the first few days of the month.

United Healthcare EPO is terrible. I wasn't able to see my doctor that I had been seeing for 25 yrs. Instead they sent me to a ghetto doctors office that had torn chairs, filthy torn exam tables & the fill in doctor was sucking on a lollipop during my consultation and exam. Can't wait to change insurance companies on November 1st enrollment 2015.

Please heed this advice. Do not under ANY circumstances enrol in this healthcare plan. Just today I went to get a script filled for a medication I have been taking for 5 yrs. I take it 3 times a day. There is danger if I suddenly stop taking it. So, I go to get filled and it is rejected because UHC says I missed a premium. I call UHC, tell them my premium is taken out of my account automatically, and my bank records show it has already been taken out for this month. They admit mistake is theirs, tell me they will have it fixed between 3-24 hrs.

My dear mother was given three weeks to live. I took her home from the hospital which only gave her codeine patches and this company refused to pay for the patches. They put my poor sick mother on hold for hours (we have phones records) from one department to another department! They knew my mom was old. They knew she was sick and they treated her with no respect!!! What a shame!!! Worst company ever!!! It's like being on welfare!

UHC was so bad about paying claims I had to go through a lawyer in S.H.I.P. in AL. Suggest anyone having issues with them saying doctors and/or clinics are "out of network" do the same, as every state has a legal team in SHIP. I will be switching to another insurer on the first day I'm allowed.

I got the most expensive insurance that United Healthcare offers and I needed a CT scan on my back because my leg is going numb and it hurts so bad that I can barely walk. United Healthcare denied my CT scan so now I cannot have any kind of treatment! I have been paying $600.00 a month for my coverage and this is what I get. Run from United Healthcare - they don't care about you!!!

In July 2015, I was set up with an individual health plan with UnitedHealthcare through an independent company here Indiana called Crosspointe Insurance Advisors. I was assured this was the plan for my needs, budget, etc. What a headache dealing with UnitedHealthcare has been already!! I wish I had looked up reviews on them before committing to my health plan. My insurance started on Aug. 1 -- but I did not receive my ID cards until late August. Numerous customers (including myself) were sent incorrect monthly bills in mid-September saying that UHC didn't receive our payment for Sept's premium and we now owed double. When I called UHC, they said this was an error. I went ahead and paid October's premium over the phone then.

United Health Care (UHC) repeatedly loses my payments. They are sent by Electronic Funds Transfer (EFT). I sent them proof of payment but they still can't fix their problem. They acknowledge they have a problem but after 5 months they can't fix it. As a result they stop approving claims. They tell providers I have not paid. I find it hard to believe they cannot resolve receiving payments electronically from a major bank. If they would work hard at anything it would be getting cash in the door. I wonder if they are purposely trying to aggravate customers with a lot of claims so they go away to another insurer or lose coverage. Or maybe they are using outsourced vendors to do all their call center or IT work as some health insurers do – and maybe it is offshore vendors – and they are ** worthless.

I work in a doctor's office in billing and am shocked at the company's strategies to not pay providers. The employees deny almost all hospital charges forcing us to appeal with documentation. There was actually a very sick patient whom they denied payment stating that the charge did not reflect the patient's level of care. It was the LOWEST possible billable code!!!!! I think they deny in hopes that we will get tired of fighting and give up. By the way, look up the CEO's Salary!!! In the millions!!!!!

I've had United Health Care since 01/15. Everything was ok until 06/15 when my premium jumped from $281.00 monthly to $776.00. However that was due to the market place removing my tax credit. The tax credit of 516.00 has since been readded to my account. However United Health Care has failed to update their system and keeps telling me I owe them 776 or sometimes up to a thousand dollars or more. Since the entire tax credit screw up, I have faithfully paid the full amount for my insurance EVERY MONTH and every month I call to find out my balance after I have paid the representatives tell me I am paid up. Now this month's payment has jumped back up to 776.00. I've checked my payment history and all the payments are saying PROCESSED except for 2 which are saying SUBMITTED. On their system they say that processed means that the payment has been sent usefully however submitted means it hasn't been sent.

I have been a member of United Health Care since May 2015. I went to pick up one of my September meds and was told that I voluntarily canceled my policy. I called the office and was told that that was wrong information. A few days later I was able to pick up the rest under the insurance. However, on September the same pharmacy (Wal-Mart of Route 60, Vero Beach, Florida) told me my insurance had been canceled for nonpayments. I called the insurance again and was put on to a representative who told me I was canceled in July because I'm not a U.S. citizen.

I've gone in circles with UHC for the past month attempting to find a specific type of therapist in network in my large metro area. Apparently there are none but UHC continues to give me the names of two therapists, along with contact numbers, who do not exist. I've called the numbers (provided by UHC) for these supposed therapists, and the health care group on the phone tells me that these therapists are not employed by them. Furthermore, I can't even find these therapists on the Internet; it's like they simply don't exist. I got tired of calling UHC on the phone multiple times, so I finally sent an email, thinking that perhaps things might be more clear in writing.

I have been paying my premiums every month. When my daughter went to get her prescription filled in the beginning of August, she was told that United Healthcare put a hold on my account. I called them and they said part of June and all of July were not paid. I was told by the pharmacy that the same thing happened to another woman with UHC. I sent the insurance company copies of the cancelled checks which they denied receiving. My premium payment is $132.12 and I was billed for $309.24 & $132.12. If the $132.12 was covering July's payment, where does the $309.24 come from? I contacted my lawyer because 3 to 5 business days for a response turned into 2 months. My lawyer and I were holding on a three-way call with UHC waiting for them to find a supervisor, when after 45 minutes of holding, they hung up on us.

I have no idea what's going on... Through my work I have United Health Care along with an HRA. My employer initially provided $300 in my HRA but I get more depending on how many hours I work. First off, they back charged me like 3 months. My employer tried very hard to get my money back for those three months but due to an error on their part, which WAS explained to them, they refused to give me my money back so now I had been covered through November of 2014. I had health claims during that time but they had been paid off by a previous insurance.

I paid my premium for the month of September on August 27. The day after I paid them the premium, I switched health insurance companies. I called back the very next day after paying, to request a refund. I have been waiting one whole month, to the day, for this refund money. They processed the payment. It was taken out of my bank account literally the second I hit the submit payment button on the keyboard, but to get this money back in my account is merely impossible. I have called on several occasions, spoke to supervisors, and each time I call, I get a different excuse as to why the refund hasn't been processed. I am still waiting on a supervisor to call me back from my phone call today.

A neurosurgeon in United Healthcare's network informed me I needed surgery due to a herniated disc. I'm experiencing pain equal to and sometimes greater than labor pains, but in the thigh area. An MRI was done along with x rays to support the diagnosis, however I was denied the surgery. My surgeon informed me I had been denied, not United Healthcare. I called them and was told I could appeal however it could take up to 30 days for a response. I'm on all types of prescription drugs, still in agonizing pain. United has not given me any alternatives. They could care less about how much pain I'm experiencing and how it's affected my life. This insurance provider is the worst I've experienced in my lifetime.

I have been with UHC since February this year. As an independent contractor I have to pay my own insurance premiums at nearly $700 per month for an individual. I had knee surgery in May and have been recently diagnosed with Glaucoma. After locating a primary care doctor (I had a referral sent to each doctor), UHC help desk in the Philippines says you can see a single doctor 6 times in a 3 month period, which I haven't even seen these doctors, but 3 times each but my claims are not being paid and now my doctors cannot see me unless I pay out of pocket.

I made a phone call to Customer Service at United Healthcare to get the names of some In Network doctors I could go to for a "wellness" visit - that is a physical exam, a mammogram and a shingles vaccine. My UHC insurance is supposed to cover 100% of wellness claims. The Customer service rep. gave me the name of the University of Wisconsin Health system as In Network.

I have so many problems with United Healthcare I cant possibly list them all, but here are a few: We purchased platinum compass PPO 250 at a cost of $1200 per month for our family, Dec 2014. At time of purchase they listed Banner Health doctors as in the plan. By Jan 2015 no Banner Doctors were accepting United Health Care. Thinking I purchased a PPO, we tried to find another primary care doctor for each of our family members. Finally did but was hard to find decent doctors in the plan.

We are a provider for this product and it is impossible to get help beyond the minimum. I tried calling their helpline (877) 842-3210 which put me in a redundant loop of automated responses which did not help. I finally got a "customer service rep" who did not speak English and was not authorized to answer my question. She told me she would transfer me and when I requested the telephone number she was transferring me to she gave me the telephone number that I had dialed! I said that that would not help me and she transferred me right back into the loop! I had already gone on the website to verify benefits which did not suffice, thus the reason for my call. This is just unacceptable for a company that wants to do business. I would not recommend this company to anyone because it seems that their main business is to frustrate rather than serve.

In the 27 years I've worked in billing, UnitedHealthcare makes the most mistakes when processing claims. This is frustrating for both the member and the provider. Frequently claims are processed as "out of network" and a deductible or penalty will be applied when the provider is in network and has been for year, such as the physical therapy clinic I work for. Also, they outsource their provider services department overseas and I am put on hold many times, sometimes end up getting disconnected while on hold and have to call back again.

One thing doesn't change: the TRICARE benefit. TRICARE remains committed to providing the best possible health care for the 9.7 million military members, retirees and their families that use the benefit. On April 1, 2013, United Health Care Military & Veterans replaced TriWest Healthcare Alliance as the TRICARE West Region health care contractor. In other words, they lost the bid and TriWest Healthcare Alliance lost their contract.

I have been extremely dissatisfied with United Healthcare Student Resources. They go out of their way to delay payment of claims or avoid payment entirely. When using an out of network provider, they are now requesting (in addition to the claim being submitted) for payment showing that the doctor has been paid in full. One must also show proof of payment (that is a canceled check showing the doctor has received the payment and deposited the check into his/her account). In other words, one must wait until the doctor has deposited your funds before even beginning the claims process. What is the reason for this?

This insurance company is by far the worst our office has ever dealt with! They reject claims multiple times for reasons that are unclear to even seasoned professionals. If you fix a claim and resubmit it, they just reject it again for another reason, not just once or twice but multiple times. It's no wonder Drs' offices are dropping out of it!

Awful experience with this insurance company. I received the payment letter and it said that I have unpaid bills but my bank show all my MONEY is being taken by this insurance company. This is completely ridiculous.

In March husband signed up with United Health Care, $247.74 a month for insurance. I was then laid off in March, so we cancelled this so called affordable insurance. Today, Sep 17, 2015, we received a bill from United Health Care, $1,522.18. Mind you in the last couple of months we haven't received any bills. I called market place today, and the Lady couldn't discuss this with me because I'm not on the account. Anyways I said, "On the back of the bill it says, Your premium payment for each month is due on or before the first day of each month. If we do not receive your premium payment by the end of the grace period, your coverage will end."

United HealthCare community plan. The WORST health care provider ever! What's the point of making a health plan where 9 out 10 places won't accept?! Changing my health care.

I've had United Health Care through my employer for about three weeks. My wife is on several medications and every single one is requiring pre authorizations. She is suffering greatly from severe nausea and we've been waiting to get authorization. The medication has been ready at the pharmacy for three days now, but we're still waiting on UHC to authorize it. I'm just going to have to pick it up and pay cash for it today. This is by far the worst insurance I've ever had, and so far we've only dealt with prescriptions. I hope that none of us become severely ill or injured as we'd be worse off than if we were uninsured.

I was going to an endocrinologist for the better part of 3 years to positive results with my type 1 diabetes. At mid-2014, I went to schedule an appointment and was informed that the provider would no longer be accepting UHC. At that point I began looking for a new physician, only to find that the majority in my area were not accepting the coverage because of the hassle of trying to get paid by UHC. After successfully finding a provider, I assumed my issues were done. Fast forward to now (9/15), and I am looking for a psychiatrist for my wife to see. All but one refused to take her as a new patient because of our insurance company. What is UHC doing to make providers stop accepting their coverage?

I've had united healthcare insurance through my husband's job and I got pregnant around april and I went to my doctors appts the first 2-3 months. When I was getting ready to go to my appt my doctor called and told me my insurance had been terminated. I called the insurance company and they told me that they had terminated my coverage because I never sent the paperwork saying I was actually married to my husband but they never sent us any paperwork and when I told them and asked them to send us the paperwork again they told me it was too late and there was nothing they could do. I am 6 months pregnant and I haven't been able to see a doctor because they left me high and dry. I tried applying to other insurances but I didn't qualify and now I don't know what to do.

This company routinely delays payment to pre-authorized claims for longer than two months. Also denies claims with ridiculous reasons like not accepting electronic claims and requesting paper records, then claiming they are not receiving them or they are not good quality. It is a ploy to hold on to the money in which the only person hurt is the consumer (patient). If I could find a regulatory board that would hear my complaint, I would file one.

We had absolutely awful experience with UnitedHealthcare HMO.

I have insurance through the Marketplace. I started last year with BC/BS and had no problems. This year I switched to United Health Care because it was less expensive but I found out the hard way, you get what you pay for. I paid my payments online from January through April always on time, generally I would pay them early. I paid my May payment at the end of April as usual but when I went to pay my June bill at the end of May I saw that showed that I did not receive a tax credit for May so I called the Marketplace to find out why. They told me that they needed more documentation regarding my annual salary. They said that they would inform United Health Care that I was still eligible for the tax credit as long as I got the additional required documentation to them by August. I sent the required documentation immediately on May 22nd, 2015 so I wouldn't lose any coverage.

Was told when I selected the plan there were co-pays. I was paying $40.00 specialist co-pay then started getting bill for a 20%. So what happened to my co-pay?

I went to the Dentist in January of 2015. I gave them my insurance information. I know I was out of network but all I had done was a cleaning and x-rays. In March 2015, I received a letter of denial from United Health Care with an explanation that I had no coverage which was totally untrue. I called them and asked what was going on? I was then told that the claim had been sent to Salt Lake City, Utah. They informed me it should have gone to Milwaukee, Wi. I got a copy of the claim form and mailed it myself to the correct address.

I purchased UHC via Marketplace to cancel out my work insurance but when I found out that my job would not cancel my insurance I had to cancel the UHC. I took every step to make sure this was done properly. I purchased the plan via Market Place on 02/27/15 and canceled on 03/03. They told me that it would take 14 days for it to show up canceled and then I would receive my refund. Well 7 months, lots of phone calls, lies and many hours put in over the phone later and I have yet to receive my refund.

For a month I haven't had any insurance. They said I didn't make my payments for the months of July or August. The problem with that is I paid two months at a time. I paid for August when I made July's payment. I went to the pharmacy to get my medicine and couldn't. That's how it started out. So for the last 3 or so weeks I've talked to at least five or more people that work there. They all say the same thing at first. They tell me that I owe for those two months. When I tell them that's not possible they say "can you hold on and let me look a little bit more?" Upon looking, they eventually find out my insurance is paid. They tell me they will fix it, but never do. After about 3 or 4 people done this, they put me through billing. Billing said they would have it fixed in three hours, and go back to get my medicine. I couldn't go back that day, because I had to go to school, so I had to wait until my pharmacy opened on Monday.

Had to have hernia surgery. Had trouble finding prefer service surgeons. I requested help from UHC. They found surgeon and hospital a hour away. I agreed to their location and surgeon. 6 months later claim denied. Done out of preferred service provider. Long holds on phone with hard to understand operators.

United Health Care has a third party called House Calls calling my mom for her to enroll. She said "no thank you." So they now are harassing her with calls and letters, to get her to accept. High-pressure sales for medical house call? This is wrong.

I had put my credit card info into the Gov. Health exchange website for auto payments to UHC. UHC had a "glitch", said I am overdue and they dropped me. I hurried to their website, put in my credit card info again and they took the money. Two months later they said I was dropped. But they had put me on another plan of theirs. This made my deductible for my son restart! Now I am getting $500+ bills from an audit company of theirs saying I owe them! I think this company is crooked and taking advantage. I feel they will bombard you with hoops to jump through until you just give up!

My ENT sent a referral to see a allergist. Little did I know that when the allergist sent in the claim they didn't realize they needed to get the referral from my PCP instead of the ENT (their mistake). I couldn't believe it. With my plan, you need the PCP to send the referrals, not any other Dr. OH by the way no one verbally told me and it's not in their handbook they sent me. So because of something that little they denied the claim instead of denying it with an explanation to the Dr and what they need to do to fix it. Which is get a referral from my PCP. I'm certainly not paying it. If that's the protocol, then my allergist can fight them. It's not my fight.

United Health CARE STINKS!!! They have not PAID my caregiver for 2 MONTHS! What's going on, cannot get anyone to answer the phone, all lines are busy. What's going on? How do I get in touch with a supervisor???

I chose the HMO plan along with another few of my coworkers. We each chose a primary care physician prior to completing our sign up. UHC changed every single one of our PCP's to a doc of their choosing. Then when we tried to switch they fought us on changing for a full calendar month saying they won't pay for the visits. They denied medications for me saying flat out they don't pay for that. So I have to go back to the doctor in order to be prescribed something they'll pay for, but they've seen to it that I can't see a doctor. Unbelievable.

Consistently when I try to get services authorized for my patients, I get the runaround at United Healthcare and its mental health subordinate United Behavioral Health. Additionally they do not authorize care based on typical guidelines and even are not consistent in their following of nationally accepted definitions of diagnoses and service types. These are the reasons that providers try to avoid United Healthcare more than just their low reimbursement because when you can't get needed services for your patient, then you as the provider are mutually at risk with your patient.

12 days ago my husband fell and injured his wrist. He went to the doctor and they took an x-ray. The x-ray revealed no break, but the doctor told him to come back in one week for another x-ray and to go to an orthopedic for an MRI. United has denied the MRI now twice. Today they advised us that my husband should get physical therapy. The physical therapy unit won't begin treatment on him because they said they don't know if this is a fracture or torn ligaments. How do we respond????

I was looking for health care and couldn't find one in my budget, talked to a guy and he found one. We discussed it but never authorized it did. He would call on Friday to verify the account. He didn't call on Friday and the following Monday money (83.75) was taken out of my bank account with NO AUTH. It took a hour out of my work day to get to someone who could help with the problem. It has been a week since then, and I just got another bill in the mail after the lady told me that my "account" had been disconnected. That was a lie. I had to close my bank account and open a new one because they wanted to pull money out and I couldn't get a hold of anyone that could help when I had time, so I wouldn't recommend at all. They don't stand by their word, they do un-AUTH. transactions.

I always pay by the due date. I was denied medication and payment of services because they had not "applied" 2 months' worth of payments to reflect that I was up to date with premium payments. I called, and a representative said it would be fixed within 3-5 days. 3 weeks later, same issue. My doctors were receiving letters that their services would not be paid for. The website was still showing 2 months' worth of "unapplied payments." I called again and they finally managed to fix it and send me an apology letter. This is unacceptable.

After 3 consecutive days trying to get resolution of a bill, I have given up. I could not get customer service rep to LISTEN to my question, let alone provide any help. Management needs to listen to the phone calls for QUALITY purposes. The billing entity also indicated they had submitted required documents twice and would do so for the third time.... They are frustrated also. It indicated this is not a new issue with UHC. I will definitely shop for new insurance for both my wife.

Ok my husband and I pick United Health Care platinum government health care exchange... and what a joke to found a pain management that will take it. I call the list of doctors and they're not many in the list and they hope we do not take plan I have. I have to travel 30 miles to found a doctor that take it and that does not work out too well. Not the nicest people there... so I am back to square one again trying to found a doctors to take this insurance. We do monthly for this plan for us. It pricey but we were thinking it was good deal for us. But it driving me up the wall to call to found out if doctor take this insurance and running into walls... The doctors do not like taking this insurance at all... specialist anyway and that wrong. If you are a doctor and you are taking United Health Care plan why not take everyone that has it other than leaving us out to dry because we went through health care exchange to get insurance?

I enrolled with United Health Care effective Jan 1, 2015. After seeing my PCP I was referred to see an Orthopedic on Jan 27, 2015. After my visit, I received a bill from my doctor stating that this claim was denied. UHC claimed that this visit was not authorized or authorized after the fact and they would not cover this. Each time I have had to visit a doctor UHC has basically turned down my claim almost every time. It's like I don't have Insurance although my premium is $605 monthly.

Since February 2015, I've been enrolled in United Health Care of Florida, Inc.'s Bronze Compass health insurance under "Obamacare." Hopefully, I can spare others from making the same mistake. For the first three months, they processed my premium payments correctly. But in May, June, July and August 2015, they cashed my checks within a few days without crediting my account properly. Every month, I am double billed: for the current month and the previous paid month! I have spent hours trying to get Customer "Service" (?) to locate my missing payments. I am beyond disgusted. No one in this company seems to know what they are doing, no one seems accountable, and - what's worse - no one even seems to care. Shame on everyone associated with United Health Care of Florida, Inc. If you are a wise consumer, you will avoid this company like the plague!

I had a routine health exam on May 22, 2015, and since then I've spent over eight hours on the phone with UnitedHealthcare "customer service" (not!) staff; reps from the blood-work lab and radiology lab that performed my routine, preventive tests and read the preventive exam x-rays; and my doctor's staff. I had received several bills that should have been covered by UHC, because there was a minor problem with the billing code the doctor's office staff sent to the lab. I thought I had straightened things out with the first round of phone calls.

UHC lied to us from the beginning including which doctors were on our plan and limited hospitals to 2, one of which is 40 miles from us. After paying 40.00 for my medication for the past year (they said it was a tier 2 generic) they required me to try 3 out of 4 other drugs before they would cover my current medication. I did as they asked and was in great pain and had many adverse reactions so my doctor contacted them and explained I needed to be put BACK on my previous medication. They agreed but now my medicine (still generic) was a tier 4 and would cost me 250.00 dollars.

I have called this insurance company over 30 times in the past week to (this is no exaggeration) try to get an ID card, to find providers, to just figure out easy questions to my plan. Almost every time I am transferred to the wrong department, my call is dropped, or I'm told the WRONG information. It is extremely frustrating and a waste of my time to have to constantly call back or be misinformed about services. I called a total of 10 times to find out if one of the doctors I would be seeing would be covered under my plan and each time I got a different answer. This company is a piece of **. I will NEVER sign up for them again. I'd rather be fined and have my money go to the government than this worthless company.

I called UHC on 8/12 to ask a complicated questions regarding a very sick patient's benefits for home care. I was connected to someone in the Philippines. I asked to be transferred to a nurse in the U.S. and this person refused. I could not understand her and she could give me another phone number to call. The customer service for our "American" products is horrible. Why are we forced to talk to people in other countries who we can't understand, who can't understand us. I know that because I am always asked to repeat everything I say when speaking to a person in the Philippines. I can't wait for Donald Trump.

Forget about getting help. I needed to provide payment receipts to my employer for proof of insurance and could not get anyone to answer a phone much less figure out their pos website. NO EMAIL!! Only one phone number for everyone and they close 3 pm, AZ time. You UHC are scum.

I recently contacted the United Health Care claims department about a claim. The claim involved hospitalization of my wife (3 days). I received a letter explaining that my wife's hospitalization was not medically necessary. The explanation I received was such a crock of **. The claims agent told me they have an agreement that can alter the admission status from admitted to observation. She also told me that as a railroad employee, I should understand contract negotiations and how they work. I understand that any Union member expects a fair days pay for a fair days work. I don't need to be a "bully" to get what I want as a 40+ year member of organized labor. She tried to tell me that United Health Care is only working to get me (& United Health Care) the best value for the huge premium that my employer and I pay.

United Health Care lied about covering the medication. I have been taking for 10 years. They denied me after assuring coverage before we bought the policy. UHC has put my health in jeopardy. Every day the pain gets worse. What can I do? Please help.

This company double bills me 2 times in a row. When calling to get the issues corrected I have had the absolute WORST customer service. Hours on end on the phone with them being transferred around everywhere. Clearly all of their staff have a major lack of training - as over the 5 different phone calls and hours of aggravation I was told I would be refunded by two different supervisors who stated that they would follow up with me... Never heard from one of them and still have not received any of the money back that they took. This is all before I have even had a chance to use the health insurance. I can't even imagine the runaround I am going to get to try to see a doctor. DO NOT get health insurance with them if you can help it.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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