UnitedHealthCare Reviews

My Dr. requested/ordered MRI of neck & head due to enormous pain in my neck. Insurance denied MRI for my neck: "... determined not to be medically necessary: 4/7/2026". MRI for head was approved - insane! I started my sessions w my Chiropractor, and the insurance immediately sent a warning: more than 20 visits will not be covered (!). For years and years, I was healthy, continuously paying insurance & not getting any services, but when I need them to cover expenses for needed procedures, they immediately deny and/or limit necessary procedures. With every year passed, insurance cost is rising, however, the coverage gets limited. Shame, shame & scam!

I am shocked that United HealthCare denied my outpatient surgery for breast revision from breast cancer. I have had it done before due to my breast being constructed differently after having a double mastectomy. I need some revision done again. THEY DENIED IT!! They decided it is not medically necessary! How dare a insurance company denied a breast cancer patient revision. I was told breast cancer surgeries were covered for life! My Blue Cross insurance before this one always approved any surgery regarding my breast cancer. Shame on United for denying a breast cancer patient to feel comfortable in her body.

I am covered under a UnitedHealthcare Choice Plus HRA plan through my employer. I am filing this complaint due to UnitedHealthcare's negligent handling of my international medical claim and its failure to treat a serious cardiac condition with appropriate urgency. I underwent a medically necessary heart catheterization procedure abroad. The procedure was recommended by two U.S. cardiologists and one German cardiologist. Procedure documentation can be provided upon request.

Fortunately I am pretty healthy for my 57 years. I recently had an injury to my shoulder that required medical intervention. I did the 8 weeks of PT as required by United. My Dr and I agreed that an xray was not necessary and wouldn't show anything since my mobility was good. We suspected tendonitis but wanted to rule out a tear. United denied an MRI because an xray hadn't been done so I had the xray and sure enough it didn't show anything. United still denying mri. They say I can appeal which could take another 30 days. Coming up on 4 months since the injury and my pain level is exactly where it was the day of the injury. Zero common sense by United. Terrible company.

I cost UHC zero for Drugs-see a Dr every year or so for a checkup, no special tests, occasional bloodwork. I do suffer from debilitating conditions, COVID Rebound (not designated as autoimmune) that just must be tolerated (missing disc in spine and needed joint replacement) but only 5 conditions are considered serious enough for continued support with food and utility. UHC will however allow me hundreds of dollars for OTC-generally selected brands. From my perspective, maintenance and quality of life should be the priority. Unfortunately, someone else is benefiting from UHC generosity, but it is not those enrolled.

Investigate all the fine print for your medicare advantage plans. Dentist won’t accept because they don’t want to pay them anything. Vision contact allowance is total scam. Glad open enrollment is coming soon. Don’t find out the hard way with this customer. Don’t rely on your Medicare advantage advisor either. They don’t look into all the specifics. Taking advantage of seniors is disgusting.

I had to call the toll free number this morning. They shipped the wrong face mask for my cpap. The first person dropped the call. When I called back the call was declined. I waited and called back. The last person understood my problem gave me the Flowood MS number to change the order. Dana at the Flowood MS office is exceptional. Dana immediately changed the mask and listen to my concerns about the 6ft tubing that has a chip in it. I have dealt with Dana many times and she has been so good at her job. The employees in that office should be trained buy her. I am the patient. If the company makes a mistake they are liable. My health conditions are complex. The toll call number these people barely speak English.

United Healthcare is the worst company I have dealt with as a patient AND as a physician. They are blood sucking vampires that prey on the weak and vulnerable.. They deny every single claim, and create endless piles of paperwork. How is it possible that they are still in business and able to get away with selling policies that have no max out of pocket no deductible to consumers? How do they have a MONOPOLY in our current society? When do we get to actually get HEALTH back and say NO we won't actually let insurance companies dictate the health of our patients or our country anymore! It is absolutely DISGUSTING what has happened to our health system and in turn the practice of medicine. Demand CHANGE! This company is one of the worst offenders.

Don't do their house cause because they don't show up and they don't call and tell you it's been canceled. I was trying to earn that $50 reward and I won't get that either so that all they're doing is lying.

This insurance denies anything and everything, even though we had the so-called Cadillac plan paying $1500 monthly fees during 2025. Customer service people are insensitive and not helpful at all. (Spoke to many) Been calling now for over 10 months, fighting for them to pay my cancer bill of $12,000 that they DON’T want to accept. Now my bill is in arrears.

If you really need a medication or something vital to your health, don't pick UHC!!!! You'll die! I might as well stop going to the doctor. I can't afford it.

I am writing because of billing issues. I had 2 visits with a new Tier 1 Primary care provider. I was charged a $40 copay for each visit (totaling $80), even though my plan states there is no copayment for a PCP visit. While the clinic owner waived this $80 fee after I send a letter, the claim details incorrectly listed "your share" as $40 per visit.

Do not use United Healthcare. They will cover up doctor fraud and not investigate over a date. In a claim there is a tab to click on to appeal or file a grievance. When you click on that tab it starts the complaint and it puts the claim number right there on form. They ask for a start and end date which should be unnecessary because it's right in the claim. For 1 particular appeal I submitted, date of service was 5/4/26, the claim was filed 5/6/26 and it was approved on 5/15/26. I used 5/4/26 as start date and 5/15/26 as end date. All of those dates are clearly indicated on the claim.

We will be changing back to Anthem HMO! Hard to get a pre approval on certain injectable meds even when I have been using it previously for 3 years using Anthem Blue Cross. Also, UnitedHealthCare makes you use only their specialized mail order Pharmacy for specialized injectables that need refrigeration so I am paying for an additional fee of $40 per month for them to ship it to me on ice. My local pharmacy has the injectable med I need (** SureClick) but no, have to still go through their mail order pharmacy. Ridicuous. Can't wait to switch back to Anthem that will allow me to go to my local pharmacy to get the injectable plus prior authorization was quick. United Health Care just fights it not to get it approved.

I am writing to express my deep frustration and disappointment with the home healthcare services provided through UnitedHealthcare. My husband was discharged from a rehabilitation center on June 30, 2026, following treatment for a stroke. Today, August 26, 2026, nearly two months later, he has still not received the four home healthcare disciplines that were prescribed as part of his recovery plan. We have repeatedly been informed that delays are related to UnitedHealthcare's business contracts and provider network issues.

Very unhappy that it was impossible for me to cancel my mother's dental plan when it was no longer needed. I had been paying for it with my credit card with automatic monthly payments. She lives in another state with my sister but the customer service rep refused to cancel the plan unless my mother called to cancel it. Mom is 98 years old! She no longer hears so can't talk on the phone! I gave the rep my sister's cell # but she only made one attempt to call her. My sister didn't answer so the rep was done helping me with the cancellation request. I had to dispute the automatic credit card payments with Chase to get this plan cancelled! On the plus side: Chase credited my account for the previous month's premium because UHC didn't dispute my complaint. So if you have trouble cancelling your policy that is the best way to do it if you are paying via credit card automatic payments.

UnitedHealthCare Colorado Medicare Advantage service has seriously degraded in 2026. In 2026 the only Medicare Advantage Plan available for me was an HMO requiring PHP referrals to doctors affiliated with PHP Prime HMO. Getting referrals is now a tangled web of delays and misinformation. PHP Prime does not provide a list of member docs to patients. When I asked PHP Prime about a specific Dermatologist that I had seen in the past I was told he was in network. Yet when requesting a referral from my PCP I am told the referral was declined since the doc is not in the PHP network.

My monthly UHC premium for my family of three is a little over $800 a month. Three years ago, I had a colonoscopy which found multiple polyps and the doctor said a follow up colonoscopy would be needed three years later. Fast forward three years and I have the procedure scheduled. The week of the follow up I receive a call from the doctor's office advising UHC will not cover this procedure because UHC will only cover one colonoscopy every five years and it will cost me around $3k out of pocket if I wanted to keep the appointment. Looks like I'll be waiting two more years and hoping nothing bad develops in that time. We also have a cardiac CT scan scheduled for this week and just received notice from UHC that this will cost us over $800 out of pocket!!!! Crooks!!!!

Horrible experience. I pay a lot of money each week. They don't have doctors available for new patients. You have to wait for the new doctors getting the job. I waited a month for an appointment and now I have to wait for another month. So mad and frustrated right now. Worst decision ever.

Money totally wasted on nothing. Close the company!!!

I think this company is the biggest scam artist of anyone on the planet. They absolutely care NOTHING about patient care. They do not pay timely, if they do pay and that's a big if. United Healthcare uses every tactic in the book to deny a claim and only have people on the phone that don't speak English and can't even understand you. They think because they are so big they can do whatever. Everyone needs to drop them and all Doctors need to get together and hire attorneys that have experience fighting insurance companies and TAKE THEM DOWN A NOTCH OR TWO.

Trash, worst insurance I have ever had; just don't have it and pay out of pocket. I don't know what I paid for.

I spent 4 hours over 3 days with 7 CSRs trying to obtain Prior Auth FAX number. UHC's new AI phone answering service is an EPIC FAIL! I wasted 4 hours answering same prompts over & over & over until system hung up on me. When I would finally get connected to a live person, they re-connected me to that AI promoter and it would hang up on me again. This is completely UNACCEPTABLE! Do better UHC!

I’ve been trying to resolve a claim from 12/25. Many promises from UHC, no results. UHC says I owe nothing to the provider, the provider says I owe $9700. Marietta ** promised me she’d handle and not to pay provider, but she has not fixed the problem, and now I’m threatened with collection. I’ve left countless emails and voice mails, she just ignores me. UHC is horrible to work with.

This is absolutely the WORST insurance I’ve ever had. I see physicians for a chronic condition. They are so bad at paying providers, I have to pay more than double for a copay because of their ridiculous reimbursement. They deny everything. I need to have a yearly mammogram and they want me to drive to MS because no one in Memphis and surrounding towns takes this insurance. I’ve been on a medication for 15 years and they decided one day not to cover my medication. My rheumatologist wrote numerous letters for approval. I received a denial letter that said I hadn’t been on my medication and tried optional other choices. If they had cared to look at my records they could have seen what I’ve been on. They try to make you give up in order to get them off the hook. Very disappointing. This should be against the law.

They need a better customer service. Rude. Tried all day to find why allow anyone to call you. Got a call from a shipping worker wanting me to give him my personal ID or he will hold my meds up.

Terrible customer service. Loved one passed away on August 1, 2026, called to cancel monthly auto draw on August 4th. Draw was taken out August 5th. They will be charging me for entire month of August according to rep, they are making me pay for entire month of August. Rep says they do not give back refunds for month not used. That is what you call customer service!!!

Previously had Florida Blue with no problems, but my employer changed to United Health therefore I went with them. Since going with them, my prescriptions have gone from $20 per month total to over $100 per month for two prescriptions. When I called the advocates were kind but unable to help me and requested that I call my dermatologist either have my prescriptions changed or see if they could ask for a lower co-pay. Along with this I needed pre-authorization for my medication that I did not previously need. Due to my long skin journey, changing my prescriptions was not really an option. Therefore, my dermatologist helped me find the cheapest options and I ended up having to use GoodRx due to the high cost of prescriptions. I cannot speak to the cost of emergencies or ER visits but since I typically just use my insurance for prescriptions, I am extremely unhappy and do not plan on going with them in the future.

I have been attempting to get a referral and prior authorization since June 15th. My doctor told me that United is the only company to have instituted this new requirement. I would not recommend UHC.

This is the worst insurance I've ever had! I had Blue Cross and our company changed ownership and UHC was offered as the only PPO option. I've had to go through hoops for the last couple of days for a mistake that was made on UHC. My Dentist sent in a pre-auth of for my dental extraction and they denied. My dental office then sent an appeal and UHC denied as soon as they received and marked the appeal as an duplicate pre-auth. I've had to call several times and "try" to speak to a manager to get absolutely no where! When open enrollment is available I will dropping this insurance. Please save yourself and health and go with another provider!

The benefit amount continues to Decrease. Concerning the surveys at the completion of the call, perhaps the advocates are aware they weren’t as professional somehow. You just wait a long time for the survey. The particular guy got back on the phone a couple more times & wouldn’t allow to take the survey.

I am a 64 year old ** female living in New Jersey. In the past 5 months or so, UHC has denied coverage of ** which, according to my Cardiologist, will help greatly reduce plaque in a heart artery that appears to be about 69% blocked. The danger zone is 70%. I have a form of cholesterol that is genetic and traditional medications supposedly do not reduce Familial Hypercholesterolemia. Many years ago, I used cholesterol medication but I don't remember it reducing my cholesterol. My cardiologist also requested a procedure (Cardiac Catheterization) that would use a tiny camera to see how blocked the aforementioned artery truly is, since the scan previously taken provided a limited view. UHC denied that camera procedure also. Additionally, my Cardiologist wanted a procedure done to a leaking vein in my right leg--I have chronic edema--and UHC has denied that procedure as well.

For the largest and most profitable insurance carrier, they stink. I have had them for years with Medicare. Firstly, their help can barely speak English and are not that knowledgeable. Also, they pay less and less each year on certain things and of course Dental coverage is only for preventative. OTC benefits of quarterly $40 payments last year were cut to $25 quarterly. A billion dollar company and they also do not look upon Podiatrists as Doctors. DPM is after their name. Shame on this greedy and inept large organization.

I have nothing good to say about United Health Care AARP Medicare advantage in Colorado. I will switch as soon as possible. Customer service has tanked this year, with robots and overseas agents (if you can get to an agent) handling the calls and questions. First the caller is routed to a sales agent who tries to sell me a policy and only eventually admits that they aren't customer care or benefits agent and therefore are useless. This is after navigating one or two AI bots to even get to a real person. Then the denials....and changes made in April of this year regarding prior authorizations for everything. My doctors didn't know this and don't know how to navigate the new system. Therefore I will be skipping procedures because too difficult now to deal with the system.

UHC sucks! I was kicked off of my plan for not having QMB, plus which I called Medicaid, and they never even heard of it. They said I needed to have full Medicaid, which I did until Big Mike Johnson gave all the money away to the illegals and homeless! Then they downgraded my Medicaid and told me because I have Medicare I can't have full Medicaid. This happens a lot depending on who's in office. But also, even when I had full Medicaid, I still would get bills from UHC. I owe 600$ for dental despite having 3500$ in dental benefits!

Most abusive staff (corporate), lousy service, most doctors reject UHC or give appointments 6 month from now, really bad corporate, this company abuses the elders on Medicare, seems like they own funeral homes. They are extremely abusive to us the elders on Medicare, I wish them all 10 times what they wish us, hoping for the best. UHC forgets that their jobs are there due to us. They should change name from UHC to Jack Kevorkian Assisted Death Service. UHC should be investigated, fined and closed. Robert **

This is probably one of the worst healthcare insurance providers I have ever done business with. The claim process is cumbersome, and they take way too long to process claims. Their excuse is "a higher than normal volume of claims", but they should just etch that on their business card, as it's a part of who they are. I'll be cancelling my policy as soon as my last claim gets finalized, which is now going on 6 weeks.

I have never had a claim denied for any healthcare services I have needed… until United Healthcare… It was five in the afternoon and I could not walk. The pain was so severe in my lower back that I thought either I had kidney stones or I had a UTI that might have turned sepsis (misspelled). So I went to the closest place to my house, which I thought was an urgent care, but it ended up being a very small emergency room… Gave them my insurance information. Doctor took me in right away and took a urine test. I had a UTI with blood in my urine…

The worst by far trying to get someone and then get a supervisor and get nowhere because they are basically **, can't read the chat, don't know what they're doing and then long holds and resolve nothing and hang ups high .. Speak with wrong people transfer after transfer. They gone downhill last three years .. Thieves all around .. They just want your money. Last straw. I hope they get sanctioned thru the roof.. I still spent 3 hours to resolve nothing. Ask for a supervisor and they hang up not just once but twice.. or transfer you to wrong place .. ** or better put dumb and dumber running their place .. I'm furious on 4 hour to use my benefits.. I'm switching sad part I use to think they were awesome..

I have been dealing with United Healthcare for several weeks trying to get a medication authorized. I have gotten nothing but a hassle. I hope they don’t treat everyone like this. I’m so disgusted I will be changing carriers.