About UnitedHealthCare
- Helpful customer service
- Quick claims processing
- Comprehensive coverage options
- Affordable premiums
- High out-of-pocket costs
- Frequent claim denials
UnitedHealthCare Reviews
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Reviewed Feb. 4, 2025
I have been fighting for OVER A YEAR to get a refund for all the copays I overpaid (by a lot) for. Via state extra help my brand meds SHOULD have been 10.35, and generic SHOULD have been 4.15. Extra help gets retroactively applied to the date of application, so from June to mid October, I massively overpaid for my part of the costs. I have called United Health numerous times (I've honestly lost track), filled out their forms (which is always no, this one. No, no, this one), and keep getting the runaround. Call back after this date, no, it's still processing, add another 60 days. $553.50 isn't much for UHC, but for me, it's a lot. And it's money I and my family need. I know that this is a widespread situation as CMS and Supreme Court have ruled for immediate refunds in cases like this which UHC is STILL refusing to comply with. This company needs to either be completely overhauled or just flat out shut down.
Reviewed Feb. 4, 2025
I'm so disappointed in this company. Signed up for him promise me all kinds of things. Extra help so forth because I'm on SSDI. Almost a year later I received the bill for $460 saying I was supposed to pay monthly premiums never told I had one when I signed up. I would have went somewhere else. Can't even afford to go to the ER. It's $150. And still owe over $1,000 even after paying for all the doctor appointments and so forth. They promised to help me because I'm on SSDI. Never came through.
Reviewed Feb. 4, 2025
Giving them 1 star is too high. I had to speak with several people to try and handle a matter which was never done! I had a quarterly allowance I was entitled to that I could not use, it was taken from me even though promised by couple of Reps I'd be able to use by the time my card was replaced, I was transferred over & over, hung up on, left on hold, etc. This went on for couple days. Horrible group of reps if you need a simple problem solved!! Still no resolution.

Reviewed Feb. 4, 2025
I am on one of their medicare advantage plans. They have begun requiring prior authorizations for many ancillary services. Physical therapy and chiropractic being two I remember. I was authorized for PT for 10 sessions with a specific end date. They MAILED the authorization by USPS. SLOW MAIL. Everything else is sent by email. The authorization arrived 4 days after my start date so I lost out on some days of service. My re-authorization was sent Jan 28. As of Feb 4th it is still not approved. Now I am being told it will take 5-10 days for authorization. What good is PT if they are going to interrupt it every 30 days for 2 weeks? You definitely don't want to bother with this organization. They are useless.

Reviewed Feb. 3, 2025
Oh I will give a factual review alright. Run as fast as you can from this company. If your job has them refuse it. Find another job or whatever you have to do. This company is absolute trash. They play Dr without a license and your Dr has to wait for someone from India to talk to if there are issues. Then they will just deny your claims. If I could give a negative star rating I would. Anyone saying this company treated them well is probably being paid to say it.
Reviewed Feb. 3, 2025
I have been on a diabetes medication for about a year. Aetna accepted all the records my doctor sent and I have been on it every since. Now the company I work for, decided to switch to UHC. I have been fighting them for a month with the help of my doctor and cardiologist. They have sent UHC the records but they just don't want to pay for it. Completely understand why so many hate this company. Profits before clients.
Reviewed Feb. 3, 2025
Do not sign up for their insurance. They dropped me because they tried to charge my card, but the charge did not go through. They did not contact me. They just dropped me. No warning. They still sent me an insurance card though leaving me to believe I was covered. I looked back on my account and never saw any charge or trying to charge me though. I went to multiple doctor visits which I have found out that I now need to pay for out of pocket and have several coming up that I have no coverage for. I tried to contact them, and they kept transferring me and not helping me and then they ended up transferring me to a completely different healthcare. I was on hold for 45 minutes and when they answered it wasn't even them. I asked for a manager, and they did that. Needless to say, I feel like they should be held responsible. If you are with them, be careful because they might drop you just because.
Reviewed Feb. 3, 2025
I had UHC as my secondary insurance. And ended up on the phone with them for close to 2 hours trying to get them to reprocess a claim as my Primary Insurance but they kept asking the same question (Who is your primary insurance with?). They are more tHan happy to constantly bombard you with calls about having their doctor come and check you out even after telling them you already have a doctor that you go to regularly, but they can’t seem to get their claims paid like they should. Maybe if they had people from America actually answering their calls it would help. Either way though, I would suggest going elsewhere for your insurance.
Reviewed Feb. 1, 2025
I have used Humana, Aetna, Blue Cross Blue Shield, and United is by far the worst most impossible insurance company. Their estimates are always drastically off. For instance with Humana or Aetna the estimated cost was usually right or I may owe 30-50 dollars after a procedure. But whatever they quoted for a procedure was usually pretty accurate so I pay and then forget about it. United tells me an x-ray costs a thousand dollars. So I pay it and then they bill me later for another thousand because their estimate was off. Bloodwork is 200 dollars so I pay that and then get bills for 30, 70, 80, 120 for MONTHS because 'their estimate was off'. I never had this issue with any other insurance and IT WAS THE SAME PROVIDERS.
They do not cover cancer screenings or yearly wellness exams. They do not cover any medication without a prior authorization - even cheap generics that you can get for 20 bucks with no insurance. This company kills so many people after taking so much of their check for insurance. I am pretty sure they skew your estimates so you will do the procedure. I would never consent to a 2k x-ray but I did pay for an x-ray with a 1k estimate. Of course they demand I pay the next 1000 and just say the estimate was off. It is a bait and switch - very scummy. Of all the insurance I have had in my nearly 50 years, United was by far the most unethical and just sleazy. I would recommend anyone over them.
Reviewed Jan. 30, 2025
They lure you in with this healthy benefit card. Then when you try to use it it doesn’t work. Don’t fall for it. Then when you call you're put on hold with little or no answers. It’s so embarrassed to go to 4 different stores with your groceries and have to put everything back. I was told to keep trying different stores until the card worked. I’m dropping this company asap. Then you have to waits days to get a medication approved. Word to the wise DO NOT LET THEM LURE YOU IN with their carelessness with the TRUTH. Do your homework. This company is a SCAM. Buyer beware
Reviewed Jan. 30, 2025
This is my third year with UHC Dual Complete. Find another plan! They cut benefits every year but continuously raise the premiums. If you call for help they source their work to foreign countries and the people cannot understand your questions. They just read off pre written messages. Worst insurance ever
Reviewed Jan. 30, 2025
I recently did a virtual doctor visit and found out through my claim that this doctor was not in network. I was never informed that he was out of network because I thought all the virtual doctors would be in network. At least it should have been noted under his name that he would be out of network and I would have ended the call. I tried to explain this to the first representative and she was not helpful. So I went online to look up this doctor and the facility he works for is in network so why is he out of network? I called back after finding out this information and spoke to a different person and I had to file an appeal for the virtual visit. I shouldn't have to research everything myself to check if a doctor is in network!!!
Reviewed Jan. 30, 2025
Quite literally the worst insurance "provider" that's ever existed. They don't provide anything but constant denials. Gotta love being denied for half of your surgery. They can open me up, take a peek but they can't do anything about it... Absolute nightmare company. I hope this insurance company rots and fails miserably.
Reviewed Jan. 29, 2025
In April of 2024 I had a facial (nose and cheek) reconstruction surgery after skin cancer. I needed multiple reconstruction surgeries to repair my defect (1st one covered by Kaiser and the next 4 were covered by a production group who filmed the surgeries and had fellow doctors involved to help learn how to reconstruct a very complex case as mine). When I moved to Florida we changed our coverage to United Health Care. UHC approved my claim but kept pushing back on information they needed from a missing W9 that they wanted from the physician, to codes and units for anesthetic etc. I resubmitted and my physician's office resubmitted paperwork multiple times, and we called them at least every 4 weeks for updates.
Today, January 29, 2025 I called to follow up and they now tell me that this reconstruction surgery was not covered by my plan and has been denied. Not only am I out of pocket for this expensive surgery which was provided to me at a discounted cash pay rate by my physician (reconstructive scar revision and fat graph to build up tissue to help with my breathing), I spent days and hours of my time and the physician's office staff time to follow up with everything they dragged out multiple times, on trying to get this claim paid.
They should be embarrassed and ashamed to charge what they do for insurance and then not cover unexpected surgical costs for something like Cancer Reconstruction especially when they didn't even have to pay for most of my surgeries. If this type of cancer reconstruction surgery was not covered, which is ridiculous in itself, the very least they could have done was deny it back in May of 2024 rather than stringing us along for almost a year and make us spend even more money on courier/postage and print costs of sending them a repeat of claim information over and over again. I find them a complete fraud.
Reviewed Jan. 29, 2025
Still have not gotten my information correct. Can't speak with anyone who you can understand. Plan on hold and transfers for long periods of time to get anywhere- usually right back where you started.
Reviewed Jan. 29, 2025
No wonder why their CEO got ended. These people are thieves. Liars. And manipulative. Raise rates and lower care. Just happens to me. I’ll be suing this company for sure time to shut them down. This is definitely fraud.
Reviewed Jan. 29, 2025
This is a seriously horrible company that pays for very little. I am fully disabled and pay out more than I ever did when I was working. If you are smart and able to, take your business elsewhere. Find a company that does rip off and take advantage of their customers.

Reviewed Jan. 29, 2025
doctors. Too many complaints to list. This company has already wasted enough of my time. Go elsewhere for insurance.
Reviewed Jan. 28, 2025
Do not get UHC healthcare - NOTHING is covered even though I pay over $500 a month for insurance try any where else! I tried to schedule my regular PCP appointment and was informed even that would not be covered.
Reviewed Jan. 28, 2025
I have United Healthcare dental plan for myself and my children. My son had to get braces and had them on for almost 3 years and just recently got them removed. I have been paying my premiums with my employer as well as my premium with my dental office. I have been in contact with United Healthcare all along and was told all is well, until about year 2 when I noticed they hadn't covered the $1200 portion of the braces. At this point I still have 2 more payments to make and United Healthcare is refusing to cover their portion, giving me different excuses and the excuse of not receiving a referral which they did before my son received his braces since June of 2022. They even had a customer service representative lie to me about sending the $1200 to my dental office which never happened.
It's been a very stressful experience for coverage that has been faithfully deducted from my paycheck and promised coverage never received. If you need more than a simple cleaning, this is not the plan or company to go with. My calls to their customer service line is always long and frustrating, a few times I was on the call for almost 2 hours. I was told I could submit an appeal and that was no use, they totally dismissed everything I had to say. Even the fact that I am a Veteran and my son who had the braces is on his way to serving this country as well. I am very disappointed and wish I had another company I could have chosen; this is the plan my employer has elected to deal with. United Health Care needs to do better, this is not the way things should be going for your loyal customers, where is the compassion and care?
Reviewed Jan. 28, 2025
UHC has been my insurance since Sept. 2024. My PCP ordered standard bloodwork in Nov. Quest submitted the claim (~$600) and UHC denied saying they were not my primary insurance. Survey not responding, just hold music. They call you back and there is no recording to answer survey.
Reviewed Jan. 28, 2025
I will try to keep this as short as possible. I went on Medicare a little over a year ago. At that time I dropped taking ** (I am type 2 diabetic) due to the cost, and went with Wellcare and my other prescriptions were tier 1 and were no cost. Well over the past year my A1c has gone up and since the out of pocket went down to 2k for Rx, I decided to go back on **. I shopped around for Part D plans last November and found UHC/AARP would be $1400 a year for adding ** back into my regiment of treatment as long as I used the "Optum" mail order (UHC owns Optum). The Other Rx companies (i.e. Wellcare, Cigna, etc...) were $1,800 - 2,000.
For the past month now I have dozens of calls to Optum, UHC, my Doctor, Walgreens. The ** was "unavailable" and they did not know when they would get it, even after I jumped through hoops to get it "pre authorized". I was instructed from Optum that "if" I needed the ** that I should go to my local Pharmacy. I did and Walgreens filled the order in less than 24 hours.... But now I pay more because it is not coming from Optum.... UHC will not credit me the difference even though it was not my choice to go to Walgreens and pay more.... In my 50 plus years of being medically insured I have never spent this much time on Rx as I have in the last month, the customer service was like talking to deer in the headlights. They talk from Computer screen prompts and continually recap and the recap is all wrong.... I will be going back to Wellcare next January 1st and get away from this nightmare of a company.
Reviewed Jan. 27, 2025
Please beware if you have enrolled in a AARP Medicare Supplement plan and move to Medicare Advantage plan within United Health Care. I had two instances of family members who did this, but they weren't aware that AARP supplement plan was not discontinued and they were getting premiums deducted out of their checking out (for one of my family members for 4 years!) - I worked to get this all reimbursed as it is illegal to enroll a member in duplicative plans. They are under the same parent company but they don't "speak" with each other. At least now, I was able to identify this early with my other family member and they said the same - luckily it was caught early enough that they are only reimbursing him the $200 premium vs the $7K of premiums! You need to call them to not only cancel the plan but also stop your auto payments to them from your checking account -.
Reviewed Jan. 27, 2025
What a joke for healthcare insurance. They try to deny anything you need done but have no problem taking your money every week for coverage. This is the last place I would choose to use. Unfortunately this is what my employer uses for coverage. Avoid at all cost. Been with my company for over 20 years and they switched to United. Looking for new job just to have other health care provider. Don't do it if you have a choice.
Reviewed Jan. 26, 2025
This company is EXTREMELY challenging, REALLY HARD to work with and you will be bouncing from one department to other. The ONLY reason I have business with them is because is the insurance offered by my employer, otherwise, I WILL NEVER EVER do. If you have a flexible spending account with Optum, which is part of United Health, forget it, it’s EVEN WORST. If you have the chance to do business with any other insurance company, PLEASE DO. NOT RECOMMEND AT ALL!!!!
Reviewed Jan. 26, 2025
I have been billed by my medical practices for services I did not have then points to the claims statement (where the services weren't covered) and tells me I must pay. When I try to call UHC Medicare Supplement Customer Service, I always get a representative located outside the USA with a poor connection and where I struggle to understand them. In addition, all 3 times I called, the agent refused to help me by escalating the call to a supervisor. This is not acceptable as I can not get any help. UHC hires reps in the USA for sales purposes, but then offshores the critical part of Customer Service for their clients. Very very poor service.
Reviewed Jan. 24, 2025
This is the worst company ever. I called them on the 3, 10, 14 and 24 of January 2025. The person on the phone refusing to hang up so I can do the review. I am missing my UCard. I have a closed head injury and can’t even get into my UCard account so this is abusing a disabled person.
Reviewed Jan. 24, 2025
My partner just switched to United Healthcare and she has Type 1 Diabetes and has been using Dexcom CGM for years. With Blue Cross Blue Shield the process was quick and easy, with the patient's needs, life, and worries in mind. United Healthcare however, has made her go through hoops for weeks. They don’t trust her doctor, they delay any work on their end, and they definitely do not consider the patient. She’s been out of Dexcom CGMs for more than a week and is having unhealthily high blood sugar throughout the night (>200), and is scared to go on group bike rides, because it’s not feasible to stop and check blood sugar while the group rides off into the distance.
I just learned that United Healthcare is one of the largest for-profit companies and prioritizes cost containment and shareholder profits. This is not the society I want and I don’t know why anyone else would. Choose a patient-focused insurance company that moves our society forward, not backward. Ask ChatGPT or your favorite AI to guide you towards companies that share your values prioritize you.
Reviewed Jan. 24, 2025
If I could give United Healthcare a 0 I would. They have horrible customer service! They are not looking out and doing what is beneficial for their customers! You pay these insane costs to have insurance however they don't want to cover anything! My son is in need of a MRI for his back he had a fall and CT shows a compressed fracture in his spine so Dr ordered a MRI thinking he may have an issue with his disk. Well United Healthcare stated they have only had the paperwork which is under review. FLAT OUT LIE, after speaking with the Dr the paperwork was sent on Jan 15th which of course they DENIED!!
They wanted more proof so Dr sent over 9 pages of proof as to why he needs the MRI, which was sent on the 16th. So they not only denied the first request, they lied about getting the paperwork on the 16th. Once they were called out on it, they said well it's going to take up to 15 days to see if approved! They are absolutely the worst of the worst and has been proven to have the highest denial rate! I know people who work for them and even agree they are the worst. They need to be looked into for their denial rate, and procedures.
Reviewed Jan. 23, 2025
The customer service is the absolute worst! You can never get anything figured out! The UCard for OTC healthy foods is a total joke. You can't get hardly anything with it, even if their own product barcode scanner on the app says it's eligible. Stay away from this company!!!
UnitedHealthCare Company Information
- Company Name:
- UnitedHealthCare
- Website:
- www.uhc.com