UnitedHealthCare Reviews

Trying to get my health insurance figured out - switched from a different company, made my payment. My 1st payment 5/7/15 start of coverage is suppose to be 6/1/15. Called on 5/28/15, why I haven't received my id card yet. Was told payment never posted to the account, shows I paid never posted. Will update account so I can log into online site to print id card by 5/29. Call 6/1, still cant log in. Transferred countless times, ironically usually just back to the start menu. Been at this for nearly 2 and a half hours, been on hold this call for 50+ min with the last person... and all she asks what state, nothing else and freaking transfers me back to the damn start menu again.

I was laid off in January and eligible for cobra as of Feb 1. I paid $736 for one month of cobra online, which adds a $15 fee, so I paid a total of $751. By 2/16/15 my payment had not yet been processed to the extent Discovery Benefits had not yet notified United Healthcare. I called to check on the status on 2/16 and told them I needed to get my prescriptions and was told to pay out-of-pocket, submit a reimbursement request with the receipts and they would reimburse me. In March I submitted the request form and original receipts and in many subsequent phone calls, I was given various excuses as to why they wouldn't pay me back. Finally a month later, they reimbursed me for a few of the inexpensive prescriptions, leaving the $280 and $451 prescriptions unpaid.

My husband had legs procedures last month. We have the United replacement plan (we are seniors) and we paid $50 copay each time. I am next in receiving the exact same procedures and they are telling me that that "can't promise" that I will pay what he did... REALLY!? So I got my left leg done on May 26, last week, paid the $50 copay and now I'm waiting and praying that I don't get billed for an additional $283 because of this.

I tried to sign up for a personal policy with United Health Care after my 3 year Cobra ended with JPMorgan Chase. JPMorgan Chase stated in a letter that came 2 weeks late, that they had a "conversion policy" and they would help me to get United Health Care Insurance for myself. An individual policy. They did not. They tried. They said they succeeded. They did not. I have health problems that have required me to be an inpatient in NYC 4 times in 4 years. I could not get Obamacare because Mt. Sinai which owns at least 7 hospitals will not let patients pass from the emergency care to rooms.

When I purchased in 2009 Part D. you had a generic and branded. Now it's tiers. Most of drugs are put in higher tiers. I can take my prescription to pharmacy without insurance and buy it at a less price. I think AARP and United Healthcare should be ashamed of their self making. People think they are for Seniors when they are in the insurance business. My plan will be with another company in October if things don't change. They don't really care.

I was looking for permanent birth control options. I wanted to look into tubal ligation. I would consider it if it were covered by my insurance. On 2/27/2015 I called the number on the back of my UnitedHealthcare card. The card instructs to verify benefits, view claims, or find a provider, visit the websites or call. So, I called. The representative I spoke with at that time was named **. I asked about coverage for tubal ligation. I was told that it covers 100%, bills as preventative, no out of pocket and no deductible issues per the affordable care act. I was given no information regarding any further conditions or requirements to be met for this level of coverage.

The worst mistake I made in my adult life was choosing United Healthcare for a health insurance provider. RUN, DO NOT WALK. DO NOT SIGN UP FOR ANYTHING THIS COMPANY HAS FOR SALE. My PCP on myself and my children were listed as approved service providers. This was why I chose UHC. UHC has no coverage for anything other than the PCP listed on your account. God forbid if you go to a Dr's office and be seen by another Dr working at the same office (FYI - UHC will not cover you).

I had a claim with United Health Care. The doctor's office called with myself, spouse present. Was given approval for a medical procedure. We had a reference number from UHC. The procedure was covered. Claim filed. UHC did not cover the procedure. UHC said they would look at the phone records. UHC then claimed that the phone call that was recorded by UHC was corrupted. So therefore they won't cover the claim. The company goal is not to pay claims. I am a full pay customer. Do not go with this company for health insurance. They are terrible.

My complaint is primarily with OptumRX but I am calling UHC out as well because UHC owns OptumRX and provides prescription benefits through them. We pay UHC significant premiums and see their in-network docs. The in-network docs sometimes write prescriptions they deem medically necessary. However, when you try to fill the prescription, medically ordered, OptumRX routinely refuses to pay. They point the finger at UHC who in turn say the problem is with OptumRX. It is like being sucked into a surreal alternate universe, a black hole. They will deem, arbitrarily, a medicine unnecessary or only cover a set amount, regardless of what your PHYSICIAN prescribes. It is a pathetic, greedy, immoral game they are playing that causes great hardship to the very people paying premiums and keeping them in business.

What a waste of time it is dealing with United Health Care because after sending the payment 2 weeks early, we cannot get our diabetes medication because they haven't processed the payment. We were told that they couldn't help us but no explanation on why. One thing they did try very hard at was getting next month's payment. This insurance is useless. Do Not get this insurance.

I was diagnosed with a very rare form of skull based cancer. The prognosis is good based on continued medical intervention. United Health Care is my health care provider contracted by Tricare for military and retired personnel. My health requirements go outside the normal network area but only because there are very few doctors who have seen this form of cancer. I was referred to M.D. Anderson in Houston, TX from El Paso, TX. Had it not been for M.D. Anderson's experienced Head and Neck doctor, Dr. **, I would not be writing this.

I'm with United Health insurance since Feb 1st 2015. With their approval and coverage plans, I recently gone through the surgery on 21st April 2015. We already agreed on the plan and they clearly told me and the hospital to go for the surgery. This is perfectly communicated and documented. All of sudden UH came back to me declining my claim cause I have other Insurance, which is ridiculous. I have submitted proof from my previous employer on the termination of the other Insurance and the month (Jan). I have been fighting on this since last 10 days with sleepless nights and they are still unable to resolve nor approve my claim.

Arizona Long Term Care (ALTCS), the underwriting agency, will not replace UHC or fire Mrs. **.

Has anyone else had a problem with United Health Care claiming to have computer issues with automatic payments? I am set up to have my United Health Care payment deducted each month from my bank account, which has been done each month until May 1st. Less than a week after the 1st I noticed the payment had not been deducted so I called United Health Care. They said they were having computer issues and that many people had not had their payment deducted. Yesterday, the 19th I called again because the payment still had not been deducted even though after the first phone call I made sure all my bank info was correct at myuhc.com. This time I insisted that I make the payment over the phone. The customer care person was reluctant to take my payment and said that I could be charged twice. I explained that I would rather pay two times than take a chance on being cancelled for non payment.

At the end of March I called healthcare.gov and signed up for health insurance with UnitedHealthcare. On May 1st I contacted healthcare.gov due to receiving no info, bill, or cards from UnitedHealthcare. I was advised to call them to verify my info was actually given to them so I called UnitedHealthcare to use given. Was told they would not send anything until they received payment. I was also informed I would need to pay for 2 months before I received anything so I filled out all the info again. Was told I would receive my cards and info after I made a payment, and I paid for 2 months totaling $194.00.

I had a root canal on 3/24/2015. This company continues to say they never received my claim. I paid almost $400 out of pocket for this root canal and expected a refund from this company, United Healthcare, when the claim was paid. They have been contacted by me three times and each time except the first they claim the claim was never filed with them. My dentist, of course, contests that and has refiled the claim and I sent them a copy myself and called to see if they received it. They refused to confirm that they received the fax. I am going to drop, not only their dental plan, but their medical insurance too. Who can trust organizations that act like this? Drop them like the hot rock that they are burning a hole in your money pocket.

After my husband lost his job we got united health care then we call and do the things whatever over the phone get a primary care physician and the first guy they gave us did not exist! We called, went online got another phone number called that still nothing we even drove to the address!!! The guy does not exist!! I had an issue had to see a doctor!! Asap!! We call united health care get another guy and call thinking we have a guy now, wrong! That guy hadn't been a pcp for over a year! And the person on the phone told us that she called the place and all was good!!!

United Health Care "without permission" changed me to a MedicareAdvantage program. Medicare had been my primary and Cigna had been the secondary prior to this year. Now there is only one payment, called Medicare Advantage Contractual Write-Off. I seem to still have a substantial patient balance to pay (40%) when I never did have before. Don't understand what happened. I will investigate further.

United Healthcare is canceling policies even if premium payments are made. They don't know what they are doing so the Clients have to suffer. I have a $503.00 Tax Credit. I just received my Silver Compass 5000 insurance cards last week and now this week I'm cancelled. I paid my premium!!! What can I do about this. I need my insurance that's why I signed up for the plan!!! The ObamaCare/Affordable Care, whatever you want to call our coverage is not the problem. UNITED HEALTHCARE is the problem!!!

Oxford Health calculates deductible application through the use of a computer they call the Accumulator. Some time over the past 6 months the computer began to error and stopped recognizing when a subscriber had reached their deductible. In my case, I was receiving expensive radiation treatments on a daily basis. This cause me to reach my deductible limit by the 5th day of the new policy year, but the accumulator did not apply it to any charges for months! I negotiated a reduced price for my treatments with the radiologist group, substantially reducing the cost to me.

My husband and I paid our premiums but wasn't able to get my scripts from the pharmacy and I wasn't able to keep a doctor's appt. After we made payment, was held up for 3 days afterwards from getting the medical attention that I need! Called them about 10 times to try and resolve the issue! As of this moment still not resolved. On the phone right now as I write this review! ANGRY AS HELL.

I've only been enrolled since February and have experienced nothing but frustration. Problems with ID cards -- They tell you to go online to select your primary care doctor, which will initiate their system to mail out your card; BUT, you can't register online to do this until you have your ID card!! I've had problems with benefits -- claims being denied even when customer service tells me that the claims shouldn't be denied. I've been trying to set up auto payments now for 3 months, but no one seems to be able to get it in the system correctly. This month, they debited my bank account twice. Good luck trying to speak to a supervisor -- If you insist on speaking to someone who could actually help you, they put you on hold for 20-30 minutes until you hang up.

I have used some form of United Healthcare Oxford for the last 8 years. My experience with the company has varied during this time period. Initially my experience was ok, they didn't pay for all of my medications but they did pay for a percentage of my out of network healthcare. However, when the health insurance laws changed, my health insurance went from around $500 a month, for individual coverage, to close to $800 a month. While my payment to UHO increase, my services went down. United no longer paid for any percentage of my out of network doctor visits and no longer covered medications that I take. I have high blood pressure. Luckily most of the medications I take have become generic and are inexpensive at this point- so inexpensive I don't think my insurance actually pays for them (I'm talking less than $1).

United Healthcare tacked on $125 annual spend-down on each of my first two prescription orders. I called them and was placed on hold. I was told that the matter could not be resolved if I were to hang up. The call ended when my cell phone battery went dead. I called again a few weeks later and asked to talk with a supervisor. He seemed very helpful. After a lengthy phone call with much time on hold, he assured me the problem was being passed to the people who actually process drug claims. They would be calling me in a few days and so would he. I have received neither call.

I applied for healthcare through the ACA exchange with United Health Care. Money was taken from my checking account on March 26th. As of today I have no health care coverage because United Health Care says they did not receive my initial premium. I've called several times over the past two months and was told the same thing each time. "Your application is under investigation, we will notify you within 24 to 48 hours." I asked if I was covered during this time and was told "Technically you have insurance". And then I was told that "if I need to see a doctor I would have to pay out of pocket, for which I would be reimbursed at a later time." Same for prescriptions. I do not have $400.00 bucks for my prescription, that was the whole point of getting health care insurance!

Huge mistake I made going with United Health Care HMO. Run, don't walk, away from United Health Care! Between the incompetent physicians under contract and UHC itself, nothing gets done. On one occasion I called UHC for referral, put on hold for 12 minutes then they hung up without responding or calling back. Their money comes from Medicare and they waste it on Walmart cards. But that's trivial compared to the mantra, "Do no harm".

They made multiple debits from my checking account without my authority within a period of 20 days for almost 600% of the monthly premium. They still have not refunded the amount they stole from my account!!!

I used to thought United Health was an excellent awesome insurance. But now United Health proved me wrong. They're all for profit. Not caring about the needs of the people. I used to be covered. Now they need prior auth and it has no generic.

Does not take copay cards. They want their members to feel the pain of paying the full copay when copay cards could reduce the cost to patients for their prescriptions. Shame on them! Please let others know. Change your insurance. Make a difference.

I left my position at the end of March 2015 and my insurance was cancelled on March 31, 2015. I received a letter regarding Cobra. I decided to elect Cobra only for myself and not my spouse. I contacted UHC Cobra department to get exact instructions on how to elect Cobra for myself and decline for my spouse. The agent walked me through the process. I declined my spouse and signed up. I paid $435 for April 2015 (as the agent instructed me to do). By April 30th, my insurance was still "cancelled" on UHC's computer system. I was extremely shocked on May 1st when they auto debited my checking account on May 1st for almost $1400. When I contacted them, they said that was the premium for my husband for April & May 2015 and my premium for May 2015. I told them I had declined the Cobra coverage for my husband. And, I had done this exactly as instructed by a member of the Cobra department.

I could write a book on UHG & Optum. The treatment plan that my highly educated, qualified, licensed, and experienced Mental Health care provider submitted was rejected. I called them about starting the appeals process and for the next three months, I was tied up on the phone with. Them for anywhere from 4 to 10 hours a week. They misrepresented statements my provider made. They would ask her question via phone conferences, and then cut her off before she could get more than a few words out. I filed complaints about the way they treated my provider and I complained about them wasting her time with repeated phone conferences that only served to make it appear that there was open communication, when in fact, their minds were already made up. At this point I requested a copy of all notes, memorandums, and reports that were generated from these so called "peer review sessions."

This is a horrible company. They completely lie about who the doctors are in their provider network. I don't use much healthcare (even though I've paid over $15K for insurance over the past 10 years) and did not care about seeing a specific doctor. I understand that with an HMO you need to see someone in their network. I checked their provider list before signing up and was satisfied that I would find a doctor in their network who would meet my requirements. I live in Suburban Philadelphia, there is no shortage of health care providers in my area - we probably have more docs per capita than anywhere else on earth.

Before acquiring this product for my adult daughter living out-of-state, I called to verify there would be no problems with her receiving care in her area. They affirmed there would be no problems, and ASSISTED ME IN CHOOSING A DOCTOR IN HER AREA. Now almost one year later, when she finally needs care but still has not received a card, I was told she was assigned a doctor here whom she has never seen in my state (three states away). There must have been a mistake. A doctor in her area is not an option, and they cannot verify I was ever told that because they don't hold notes that long (a year???). I was instructed to call my benefits department and request her "network area" be changed & told that was my only/best option.

I went colonoscopy and the insurance company refused to pay because they say it was out of network... Even if it was out of network they were still suppose to pay a certain percentage.

I have stage 3 rectal cancer and United Healthcare is requiring preauthorization for pain medication. On the surface this seems reasonable, but it's now taking over a week to get resolved. This is not a new diagnosis, so why they need to review and consider this claim is beyond me.

I signed up with UHC through the Healthcare Marketplace, only to find out they don't cover any of my key prescriptions. My other prescription that they claim to cover still has not been filled due to their constant red-tape, stalling. If you call them, you'll be on hold forever only to get the most worthless customer service reps that keep rattling off their scripted responses about so wanting to help, etc., but end saying they need to turn it over to another department. Meanwhile, they further calls reveal nothing was ever turned over to the handling department. It's like a 3rd world joke where they know they have your money and, so don't even have to address customer concerns.

I called customer service to get more information about "in network" facilities. The reps REPEATEDLY gave me wrong information, leaving me with several bills and denied claims. The reps don't have a clue about what's accepted and not and take it upon themselves to provide the members with false information. Even when the facility was covered, I would get a Physician's fee bill, because they wouldn't be covered. How do they expect patients to determine if the Doctor is in network or out of network when in some cases the patient doesn't even see the Doctor or know who he/she is until the day of the appointment or visit?

This is what happened: I called the customer care telephone number on the back of the card and told them I needed a new card because my PCP was the wrong doctor and the group for the doctor was also wrong on the card they sent me. I was on the phone for 1 1/2 hours and got nowhere. They kept shifting me to someone else, and finally sent me to AARP. I am NOT covered through AARP. I know that when I told them my birth date (I just turned 86) they did not want to talk to me. I am 86, but I am not suffering from dementia or anything else!

United Health Care has the most incompetent employees in the world. They will tell you they did not receive referrals to try to get out of paying. This what you do- have your PCP resend the referrals then they have to pay. When you send in your payments call back the next day to confirm they posted it. They will say it takes 48 hours, just keep at them to make them post your payment. This company sucks.

I would not recommend United Health Care when using a PCP plan. Having to go to a PCP for any and all specialist care is not only time consuming and added cost it's a fight to get United Health Care to accept the referral from your PCP. It has to be entered into United Health Cares online system and then approved which in my case it's been two weeks and it's still not approved. If you have a major issue that needs immediate attention it's not going to happen. If you want a second opinion you need a referral. Stay away from this plan.

I found out that the medical claims are now being processed in India, since 2014. In the United States we take care to protect our social security # and identity. They are sending our personal information over there. I canceled the insurance at once. All my claims are being paid wrong, they say since I still had coinsurance and deductible it should be applied. Some things are covered 100% by the company, they apply it just the same, no matter what my insurance policy said.

In Feb of this year UHC is now forcing us to receive our medications through OptumRx and they refused to accept patient assistance program from my husband’s enbrel which would save us 200 dollars a month. We cannot pay this amount, so without it he would be unable to take this medicine. It took me 8 weeks and I finally was able to get the medication through CVS. But then after 3 months, I was denied again through UHC. Optum finally agreed to take the patient assistance program. I was on the phone for hours with all of this and have it all documented. They tripled our cost of insurance premium this year and even though we have their best insurance our deductibles remain sky high.

I am new to this insurance plan and can't even get past the selecting of a PCP. The first doctor I selected, ** MD based on listings in THEIR provider directory, did not accept their insurance, even though they sent me a card with her name on it as my PCP, I guess they don't know who their providers actually are.

I injured my back over a year ago, needless to say I started seeing a pain mgmt. doctor and was put on **. United Healthcare had no problem approving them. I want to come off them so I decided to go on the ** to come clean and to taper off of them. The insurance company will not approve them!! But they will approve the pain killers. When you want help they won’t pay for it but they will pay for you to get hooked on drugs!! Hey United Healthcare, why don't you make it hard to get the painkillers like you make it hard to get clean.

I was told that my medication was too soon to be covered by my insurance. So I was told to transfer the medication and pay out of pocket and I'll be reimbursed. I transferred it and still ran into the same problem. The United Health Care pharmacy tech told me that she wasn't going to keep repeating herself so she's hanging up on me which she did. Some reps are completely rude and need not be in customer service. They are the worst I've felt with.

I have had Premara Blue Cross and Tricare Prime in the past. And now that I am 26 I had to get my own insurance. I ended up hospitalized so a rep from the hospital signed me up for medicaid... and United Health Care. It was fantastic at first, until it came down to certain prescriptions. I can only get 9 imitrex pills a month for my migraines which are triggered when my blood sugar is too high and nothing else can provide relief. Sometimes 9 pills are not enough. I used to be able to get 90 day supplies of metformin and other pills that help aid with my diabetes. I can only get 30 day supply. They also recently denied my glucose strips. I used to get 100 a month and now they will only give me 50 a month.

I have an HRA account with United Healthcare. I submitted a claim for reimbursement on April 9. I called on April 10th & was informed my dad was not received. I called back on April 11 & was informed that it was received however my claim was denied due to it being a duplicate (I only sent it once.) I spoke with a supervisor named **.... He said he was putting it thru because I in fact sent it once... I spoke with several other people and another supervisor named **... I finally spoke with ** who informed what DUPLICATE met on April 21... My actual dentist appointment was 2/18/2015. I paid for 2 services 1 with my FSA card & the other with my personal MasterCard at $160.. It appeared to U.H. that I was trying to double dip... My dentist even sent over BOTH receipts... I'm still waiting on a resolution.

United Healthcare (my new insurance provider) told me today that I must pay the co-pay for NuvaRing because it is not birth control (my Ob/Gyne would beg to differ) but is a "maintenance drug" so they do not cover it. I'm a lawyer and even I couldn't understand those mental gymnastics. Also, it took them 30 minutes to find a primary today (our given PCP that was assigned by UH said she doesn't accept UH!!) that actually would accept our insurance so that my husband could go to this PCP, just to get him to sign a letter to refer my husband to a urologist to get his vasectomy. Ridiculous. Worst insurance EVER!! Can't wait for October to get the hell away from this insurance nightmare. It's worth paying more!!!

United Health Care refuses to pay for prescriptions that are smoking cessation aids. Even when all other avenues have been exhausted! I hope they are overwhelmed with insurance payouts for cancer for being so stupid in the preventive measure aspect!

I signed up for Gold Compass Plan through the Marketplace website in December last year, I have YET to find a doctor who takes this plan. I signed up seeing my last doctor's name on their website. As soon as they cashed my check, they told me my old doctor cancelled their contract. So then I went to make an appointment with the Dr. that they listed on my card. Suddenly HE cancelled his contract with them. I checked on 4 other doctors today, from the "current" list of providers that they emailed me. ALL HAVE CANCELLED THEIR CONTRACTS!!! I am paying for a plan that I cannot even get a doctor for!!! Their customer service is all outsourced to India so they have no clue what I am going through and they cannot do anything. You cannot cancel marketplace insurance without penalty so I am basically stuck without a Dr. until November.

Unfortunately my employer uses UHC and it almost justifies looking for a new job since UHC covers nothing. I went to my usual practitioner's office for routine blood work 3 weeks ago and got stuck with the entire bill including the office visit and lab work. The same visit and lab work at the same practice was less than $300.00 when I was a self-pay but with UHC the cost is just under $500.00.

My husband recently lost his job and his new job does not have insurance yet. I have a chronic illness that requires expensive medications, procedures, and doctor's visits, so I got a plan through the market place. I paid the premium on February 23rd, 2015. Six weeks later I still do not have health care. I have talked to numerous people in numerous departments who have all basically told me I did not pay the premium. I sent proof of the paid premium, yet somehow I am still a liar. I cannot afford my prescriptions without insurance. I was told I could leave my information to talk to a supervisor. I have done this three times with no return call. I was told I could leave my information and that they would look for my payment. I have done this three times with no return call. Today I was told I never did any of these things, because there was no record of it.

I have been calling United healthcare for 1 week now trying to figure out why a drug claim is being denied. They keep saying that the case will be corrected, and that the card will be turned back on. They have agreed that the customer has indeed paid their premium, and that the problem is between them and OptumRX. Each day, the poor client goes back to their drug store yet to be denied again. Each day we call and are told that it will be fixed in 3 hrs, but it never is. I really get the impression that nobody with UHC cares, and that there is no way to communicate with anyone who has authority to correct the problem. My reputation as a Broker is at stake for recommending UHC, but I feel totally helpless in representing my client. There should be a way to solve problems at UHC, but there is no system in place to act upon them.

My doctor wanted me to rent a traction device for my neck. I called UHC to see if it was covered and was told that 80% would be covered. Then I get a notice from device company saying the UHC doesn't allow claims - ever. When I called UHC, they told me I had to go through an appeals process and when I asked for the recording of the phone call in which I was told the item was covered, they said they'd only release it under court order. This is just the latest in a series of hassles working with UHC. Terrible company.

My husband has been on a medication for two+ years under Cigna. Recently, I had the "bright idea" that we should be on the same plan to save financially with only one deductible, one OOP, etc. So, I switched him to my plan on UHC. My employer pays a portion of my premium, and even with their contribution, I still pay almost $800/month for our plan.

United Health Care "without permission" changed the supplement plan to HMO. Then the representative from United Health Care told me I didn't know what I was talking about; that it had been this way all the time. I don't think so, as Medicare had been the primary and United Health Care had been the secondary for several years prior to this one.

I injured my knee on an extended vacation on Saturday. The Urgent Care doctor ordered an MRI. The MRI facility checks with the UHC online system and it requires a pre-authorization. The Urgent Care facility tries to submit the info for the pre-authorization on the UHC provider phone line and it does not allow it because pre-authorization is not required. It is now Tuesday evening and I have spent about 7 hours on the phone with 6 different UHC employees, specialists and supervisors and I STILL don't have the MRI scheduled. I was even advised that it is better to go to the ER so that you can get treatment. I sincerely believe that UHC is intentionally making things difficult so that I will just give up. I pay $2,600/month for the UHC health plan that has a high deductible. How can they be so inept?

I needed an appointment with the cardiologist. I checked their website (myuhc.com) to confirm that the doctor was in their network. He was. I got a referral from my primary physician. I had my appointment. And then I got billed by the cardiologist for the full amount. The claim was denied because they said the doctor was using the wrong tax id number. When I spoke with the doctor's billing office, they said they have NEVER been in the United Healthcare Network. So their website is wrong and now I have to pay the bill. This same thing happened with two CT Scans. The website said the facility was in network, I got bills for over $5000 because now they are claiming they are not in their network. Whoever is for a class action suit - sign me up.

I went to my PCP, who said that I should go to a specialist for my ear problem. I asked the PCP office for a referral and they said "sure we will send in a referral to UHC." I went to the specialist and when I received my bill from the specialist ($300.00) UHC had not paid anything. I called UHC to find out why and they said that there was no referral. I said I had been told by my PCP office that they HAD SENT a referral and so the UHC and I made a conference call to the PCP office to see if they had actually done that. We spoke to the office person who said she had sent a referral and the UHC rep, said that they did not receive it (what?) so they were not going to pay for it. Talked to several supervisors there who did not care. UHC supervisor and Manager said file an appeal. That's all they had to offer.

My doctor requested a Tier Exception for Omeprazole 20 mg which had always prior to 2015 been the generic substitute for NEXIUM which is a brand drug and hence a Tier 3. However, this year Omeprazole was changed to Tier 3 also. The Request for Tier Exception was denied. Previously I paid $5 for a 90 day supply of Omeprazole 20 mg as Tier 2 and now I must pay $39.90 (40) for the same drug as it is now a Tier 3 drug in the formulary. That is an astronomic increase in price and on a fixed income unaffordable.

My daughter was diagnosed with Crohn's disease last year and then prescribed medication which put her in remission. We had BCBS insurance at that time. This year my husband's work switched from BCBS to United Healthcare, and the latter refuses to cover this medication. After three weeks on alternative medication, one of which insurance agrees to cover, my daughter had all her symptoms back and had to be admitted to the hospital with a severe flare-up of Crohn's disease. Despite this incident and several subsequent appeals submitted directly to UHC by my daughter's gastroenterologist, UHC still refuses to provide coverage for this FDA approved medicine. We currently have to buy it for cash, paying up to a thousand a month out of pocket for it, all the while paying insurance premiums.

I was referred by my doctor to this UHC insurance company and so I filled out my application and paid for it with my debit card. Everything seemed fine. I did my app March 23, 2015... They took my money March 24, 2015 off my debit card and told me my coverage would begin April 1st 2015... and to call back that following Thursday and they would give me my numbers for the doctor and the pharmacy. So the following I called them and ever since then I've been on the phone with them for at least 4-6 hrs a day arguing because first they couldn't find my payment. Then they couldn't find my policy. Next they got my husband’s birthday wrong.

My husband's employer uses UHC. I'd recently left my job so we decided instead of buying coverage through the state marketplace to put me and our children on my husband's policy. First sign of trouble: I kept my maiden name (been married for 16 years) which UHC found suspicious. They needed proof we were actually married. So we navigated that hoop. Both my daughter and I take medication for ADHD--UHC one day refused to cover the safest, non-stimulant, non-addictive medication that was working very well for my daughter. We fought with the insurance company for a month. Our local rep told us it should have never been covered in the first place, and suggested complaining about the sudden denial would alert them to the mistake, "they may back charge you." So we fought some more.

A review for an in Network Primary care physician claim review was declined so that I owe the full amount. Two separate but related specialist claims that are related due to faxed instead of electronic referrals are also currently up for review and I expect they will also be declined shortly.

I had a call in which I was given wrong information. I was told the wrong out of pocket max, and also told after I reached my out of pocket max that we would not have to pay deductibles. This was not true. I have tried time and time again to get the call recording and they ignore me. I even sent in a form with my signature. You get transferred and transferred - long hold times and no answers.

So I decided to go with United Healthcare because it was $60 dollars cheaper than any other insurance… and I got what I paid for - well, almost. 3 month later and I'm still waiting for my refund!!! I can't even begin to describe how HORRIBLE their service is. I got billed from the doctor for what was suppose to be covered by insurance. Talking to customer service is useless and honestly, a waste of time and nerves. ;(( I switched to another provider after 2 month... and it's been 3 month, United Healthcare still hasn't gave me a refund they promised multiple times.

UHC has selective memory. A medicine that's been paid for about 10 years, this medicine is seriously needed. I get Charley horses, acute spasms cramps from the devil for sure!!! This medicine is the only way to fight back, what little help I do receive. They are being exactly like my grandchildren, PLAYING NAME games, like my doctor's report is missing the word acute cramps, OR including chronic pain. YEAH LIKE KIDS!!! Since the middle of Nov, they play! Well this is costing me $200.00 extra a month plus the $240.00 a month!!! THEY need to stop playing, I'm on a fixed budget. I blame that OptumRX for playing with people's lives.

I have been on Testim 1% gel for 2 years and no matter what every time I need to complete the Prior Authorization it takes months. They have denied the claim and then send it to appeals group who you can't speak with no matter what. They have lied on multiple occasions and are rude and unhelpful. I am wanting to start a class action suit and have the government regulate them.

I shopped for insurance last month, United Health Care had the best plan. I asked if my cardiologist was covered since I knew I had a very risky heart surgery coming up and wanted to keep her as my provider. THREE different reps told me I could see her wherever she practices. My heart surgery is 2 weeks away and they denied it three times. They flat out LIED to me to get my money.

United Healthcare is by far the worst insurance company on the market. I have a medically complex 2 year old and they deny everything we ask for or make us jump through hours of hoops to get it. We pay over $1,000 a month for this plan and it covers NOTHING. I want to get a class action lawsuit together against them. My husband is an attorney. If anyone is interested, please feel free to contact me.

I was given pre-approval for a surgery. I got the surgery. Now they won't pay. I have appealed a dozen times. I have called them 200 times. I have gotten every middle-man possible involved. No luck. No justice. Just $150,000 of unpaid hospital bills.

I am never sure what things are covered. It is always a guess when taking my daughter to the doctor if any of her procedures will be covered at all...and this is just for normal check ups. She needed a neutralizer. Insurance doesn't cover which is amazing to me. Apparently breathing isn't that important. Good luck calling them too. The automated prompt will ALWAYS direct you to a place that your representative that can't handle your questions.

Up until my experience today, I have been very pleased with United Healthcare, or at least the Tricare Military Retiree Insurance program it's been handling since beginning of 2014. My last happiness was its approval of my request to see a specialist at UCLA for persistent (not cured by surgery) hypercalcemia. I called Tricare to see if the approval will also cover the tests the specialist is ordering for me, 8 blood tests I had at the UCLA lab, and one urine test that will be done at an outside lab. The first person at Tricare was able to find an authorization for a different procedure, done within my usual medical group, ordered by my primary care doctor at the same time. (Riverside Medical Clinic). But she said she needed my authorization number to find the other one. But when I called back with the authorization number, they still couldn't find it!

United Health Care insurance plan covered ER medical care bills not paid by UHC over a year, sent to collections suffering harassment and threats, adversely affecting credit, repeated attempts to resolve matter. UHC practices denial/delay tactics - strategies. UHC legal department threatens patients with Subrogation, cancellation of medical insurance. Injured at Mayo Clinic Scottsdale AZ April 2012; injured hit twice by a car walking as a pedestrian pushing shopping cart in grocery parking lot. Taken by ambulance to ER Tempe AZ October 2013. Medical bills not paid to date. UHC state they will pay the medical bills; fail to do so causing me harm and damage. Credit bureaus state, when paid medical bills are paid by UHC, adverse consequences remain on credit report for years.

I bought this lousy health Insurance because I had to. I cannot find a doctor in this network to even take this Insurance because its HMO. Now I HAVE BEEN TO THE emergency ROOM TWICE. I TRY TO CALL THEM, I GET TRANSFERRED, hung up on, or disconnected. Horrible customer service. Now since I haven't received my bill, of course they are closed on Sunday, very inconvenient for me. Trying to pay online, can't even do that. This site is not very helpful at all. I am so frustrated with this Insurance. Come October It will be gone!!!

I'm at my wits end. How can you refuse a cat scan to a 41 y.o. with a large growth on neck.

My mom has had UHC for quite a while and they have always had an issue of applying payments which are paid automatically from her checking account. In January we receive mail notification that she would be cancelled because they had not received her payment. We called and verified that they were receiving payments that they were just slow to post... a known issue they said. They also increased her premium $2, I hoped it was being invested in process improvement!

We have had nothing but trouble from the very beginning with this company. The latest problem involves their computer system, I could not get my medication last night because United Healthcare stated that we have Medicare Part B and my husband and I are not even 65, something was put into the system that was incorrect. We got the pharmacy issues straight however, my husband has to cancel his orthopedic appointment because it will take until the first of April to fix this. Serious, he has infection in his knee and he may need surgery to remove the infection to prevent a septic knee. However, he cannot go to the doctor. I paid a premium for coverage I do not have.

After being switched between four people I asked for a supervisor. Was put on hold and disconnected. Even the foot doctor Dr ** who is on your plan won't accept your plan for payment. Says you people ok the work then bill him back. Please call me. I need answers why. They're for custom orthotics for my bad feet.

If there was a way to give less than 1 star I would. When my employer made the switch to UHC they immediately denied coverage on a medication I'd been on for 4 years. After following all their hoops to jump through to get back on it they still denied it. I had to try other medications first so I didn't and they did not work still they refused to cover an important medication I had been on for 4 years. The other ones just didn't work so I had to pay out of pocket for the original one that they wouldn't cover. Finally I became so fed up and I work for my families' business so I threatened to move our 2 companies' policies. Finally they said "oh looks like you have tried the alternative medications so yeah we will cover it" after paying $1600 out of pocket over the last 3 months when they "should" of been covering it.

Bought a policy, in part, because of 2 providers shown as in-network and accepting new patients. Neither was available: one was not taking patients with my type of policy and the other did not accept any HMO. Wrote the company asking that the directory be corrected and suggested that including providers that did not accept policies was or at the very least, misleading. Got a reply saying that yes the doctors were in the directory and they were doing nothing about updating the directory. The author of the letter used a first name and initial. Too embarrassed to use her real name? Clearly the company knowingly misleads prospective customers. What happened to responsible behavior?

(For my husband) 3-13-2015 2pm set up appointment for MRI. MRI facility called MD's office to pre authorization (UHC manual says we DO NOT NEED IT). When we got home I called UHC to see if it was needed. Well the book is WRONG. I do. So I get **, fresh as can be to help start the process. She tells me to call on Sunday night and I will get the pre auth. 3-16-2015 spoke with ** at UHC, if I call on Tuesday around 12NN I should have the pre auth information I will need to have MRI. 3-17-2015 I call UHC and speak with **, explained the situation and she got her supervisor on the phone, **, we are on a conference call. At this time the MRI is DENIED.

Started with optum rx dipping into my bank account. I complained on this site, received A call from ** to try and straighten things out and she pulled another $10.00 out without my approval. I'm quite sure they have all conversations on tape so that my complaints are verifiable. The last time, (February) I ordered insulin (from Walmart, I no longer dealt with Optum rx), it went from $45.00 per vial to somewhere near $245.00. I with went A much lower dosage until my wife and I were able to transfer to Kaiser Permanante. What A difference in professionalism. We spent best part of A day going through various parts of Kaiser, which included A quick visit for an unending cough. Finally have A health care where the word CARE actually has meaning. Thanks.

Our company has been using United Healthcare since 2006 and I started using it in 2010. While prices and laws adjust, our health insurance company adjusts with them (as they would be expected to). However, since I am a consumer and not a healthcare professional, I do not know what my health insurance company will plan to do when it comes to how my medication is handled. United Healthcare has my email address, my phone number, my mailing address, my work phone number, my work email, my work address. They know my coworkers because it's a small business of 10 employees and they know our account manager who chose United Healthcare, but they fail to make a single form of contact and have absolutely NO RESPECT for what happens when you stop medicating someone who is on a treatment program. Here's my track record and why United got a 1 star:

They are irresponsible with care for their members and their health. My physical therapy was declined despite having surgery, the benefits and a letter from my dr proving it's medically necessary. They lie and falsify records so they don't have to pay the benefits. Do not accept an employer that has this insurance. A nightmare and just stupid!

I had surgery set for March 11th. As I was heading home, I received a call from the doctor that surgery is now declined. To make a long story short, how can they decline surgery the day before when someone has their whole life surrounding this? The reason was dr. was not in the network. This was the original emergency room surgeon. Help please. Work has scheduled around me, same with family.

After only 5 of my 20 chiropractic visits for the year, I revived a notice that I had reached maximum benefit from this therapy, and was denied any further visit. All premium search paid in full. The Dr office informed me that United had done this to almost all of their customers. But none of the other insurances had cut off patients from coverage.

My company switched to united health at the first of the year from Cigna. Now every time I go to the doctor or try to get my Rx filled I have to spend hours filling out paper work, faxing it back and forth in order to get them to pay. 4 hours on the phone last Friday just to get my Rx approved, an Rx I’ve had before I had united health. Cigna health is a much better company. I wished we had never switched!!!!

I'm feed up with UNITED HEALTH CARE TRANSPORTATION service. NEVER on time, ALWAYS LATE to Dr. Appointment. You need to have a massive job hiring for more drivers. When I finish all my appointment it's time to find a different insurance.

I was sent a box of medical supplies I did not order. Now they are billing me for the what they sent. The Provider I have provides me with the same product that my insurance covers as needed. This company just sent it to me without my request.

I am an international student and I had many health care insurance before. United health care is the worst I had so far. They denied to cover for all of the expenses for my ENT treatment. They also cover very little portion of the medicine. When I called their customer service I waited so long to connect with a customer representative. They are not helpful and informative. The last representative I talked was rude. I don't recommend this company to anyone.

My son was approved by United Healthcare Community Plan to be admitted to a 28 day in-patient substance abuse facility. After 3 days, they decided he was fit to leave. They have denied 3 appeals. Tomorrow is the last appeal with a doctor who is obviously being paid off to deny it. My son is in no condition to leave the facility. This is a very risky decision on their part. If anything happens to my son, here it is in writing that UHCCP is at fault. This is a potential lawsuit waiting to happen.

I have been on this medication for 7 years. Ever so often the insurance requires a prior auth. My doctor informed me that they e-filed the auth yesterday. A prior auth is when the insurance decides the medication is too expensive so they want to know if a patient really needs it. They require the dr to submit a form, then the insurance companies' doctors decide if I truly need it or not. What! Why would there be a doctor who has never met me be making decisions on medications that my actual doctor prescribed? So now I wait close to 72 hours for the auth to go through and I have to be without my medication for that long as well. This is not right! They want an auth fine, but it should go through that same day! This is a medication that is crucial to my Recovery. A lapse in taking it could result in a hospital visit. That can't be cheap on my insurance.

A TV AD this morning was telling people who need a Medical Alert device that one could be provided FREE!!! So I called the number and sure as life it was a con. The answering unit asked a few question about other needs and then asked if I needed a Medical Alert Unit. NOW IT'S ABOUT A DOLLAR A DAY. WOW! HOW IS THAT FREE!!! To be fair I am the CEO of ** formally known as ** and we where formed to provide alert systems to people who could least afford it. We just reduced the cost from $15 per month to $10 per month for the first 12 months (as the equipment cost is $60) and after that the cost per month comes down to $5.00 per month to monitor for life.

I have been trying to see a specialist for over a week now. The problem is the insurance company will not give me a referral. This has dragged on too long. The first time we drove 200 miles round trip I was told they would not give a referral because the wrong doctor was on my card. I called and got that changed and then we drove 200 and was told that you had not sent the referral.

We converted from Highmark (Western PA) to United Healthcare for 2015. We are so disappointed. First it took weeks to get our cards. Then they had our PCP's names wrong. That also took weeks and mass confusion. Now all our claims are getting denied for very confusion not clear reasons... Very Very Very unhappy... Go elsewhere...

Apparently in Dec, many folks premiums were lost some place, I call even this week, and they stated they are still investigating. If you call any company, keep a record when you called, who you spoke to, exact time is important, apparently great many payments were lost. I cannot get any report exactly what united healthcare drug dept is doing. And they will claim they have called you back which they have not, the corporate headquarters phone number does not exist, all you get is some number that claims they are. United healthcare changed their billing instead of payment books, not monthly billing. United health does have a consumer affairs dept but refuse to believe their employees do not call folks back. I have remind them that are dealing with folks that might have a hearing problem or medical problems.

UMR sucks, very horrible insurance, provided by my hospital. My wife was losing hair after pregnancy, called her OB and she called in a prescription for TSH and free T3 and reason was put in a hair loss. The insurance has denied saying it as cosmetic procedure, I have appealed and asked documentation to be provided by the physician, and after 2 1/2 months, they want more information, office notes from the physician my test results. The people are low lying, filthy, rotten people, who just want to suck the money out of us and don't want to pay for anything.

I have two complaints to list starting with no offer of coverage up to and including today's issues which were: I have had the policy eleven months I have no policy. They have not honored my existing policy. They have sent no notice for premium increase, change of deductible, change of copay's multiple formulary changes - all with no notice and no policy. They continue to deny claims saying I don't have a valid policy. Then like today I spoke to over twenty people including four supervisors and they validate coverage, reconsider the claim and then pay it. Six hours today alone with twenty different reasons.

I have had cluster headaches for over 20 years. I have been to several doctors and know exactly what has to happen and the medicine needed. I have been trying for a week to get United Healthcare to approve. We have spoken to numerous representatives. I have tried multiple types of medicine and only one Maxalt works. They will only approve 4 tablets because they want a less expensive generic drug. We were willing to try any of the recommendations. The doctor wrote a prescription and now they won't approve. I've been collectively on the phone for many hours trying to straighten this out. The reps are Indian and we can barely understand them. I've never encountered such a lack of concern for a customer.

I have been calling United Health Care Dumb ** lol For the last few days about getting a reimbursement on my eye glasses and was told that I would get whatever money that I paid out of pocket, but that was not true, so they came back and said am sorry about this miss so so we don't do that to people, we care about our members and we come first LMAO..... When customer rep said that, I laugh so hard that I wet myself lol so he ask me why was I laughing and I told him he was full of ** and ask me if I would like their legal dept phone number and I ask him was he high? lol and why would you ask that stupid question? He inform me that he did not know why he would ask that. I ask for corp office. He said there were no corp office at all and you can guess what happen after that - he inform that he could not help me and that he did not know what to do lol.

They have an online list of primary care doctors but when I call the number provided for the doctor I find out that either I have the wrong number, the doctor is not practicing there anymore, it's not a medical office anymore, or the doctor does not take my health insurance anymore. I called Customer service and they told me that it's the doctor's responsibility to update them. Some of those doctors I called haven't been taking this insurance for years!! How is it not the responsibility of the health insurance company to tell you which doctors are in their network and which are not.

United Healthcare is a horrible company. My husband is employed by a national company and they are insured through UHC. Every year for the last three years our premiums have increased and our benefits have decreased. UHC's service is horrible. Their service reps never know what to tell you and you will ask the same question from three different reps and get three different answers. My husband has had Halcon injections in his knee for over three years now about every six months.

I cancelled my coverage with United Health care in Dec of 2014. They said that they were going to send me papers to confirm it. Well they didn't. So I just assumed it was taken care of. Well on the eighth of Jan they took out the premium out of my checking acct. Then on the 6th of this month they have taken another one. I have been calling, emailing, and writing letters and cannot get any answers as to why they are still taking my money. The first person that I talk to said that it showed where I called and cancelled. And the another one said the same. I clearly stated that I changed my coverage to another company and it would go into effect 01-01-2015.

7 years I have been going to same doctor, then had an MRI and CAT scan only to find out my Health Center had been dropped by United Health Care. Now I pay 5-700 a month for Insurance premiums. I now have to pay for anything that I get done at my doctor's office. No such thing as a close PCP unless I travel 4 hrs or 200 miles. What is going on with this Insurance company? What right do they have charging high insurance rates and then not having to pay anything. Seems like good money going down the drain since it will never come out of their pocket. And our government approves of this?

My health ins company is United Health Care. Every time I need to use it if is not one thing is the other. Today I took my prescription to Walgreens. Metformin ER is a medication to control my blood sugar levels one more time. This is what I got instead of getting my medication. Please call 866-236-1495. It requires prior authorization. Seriously after paying every month for insurance this is the last thing I need to.

I am quitting my job this week to secure a lower paying job that offers better insurance than UHC. To date, they have denied payment for an emergency CAT scan; denied several prescriptions - some that my wife and I have been on for many years, and have not responded to any of our complaints. Oh.. and our premiums went up and our deductible went from $500 to $4000 (for each of us) this year. UHC dental has also decided to pay for virtually nothing at all this year.

Tried repeatedly to have them correct my PCP..... since January 1, 2015..... still not correct and I have seen my PCP 4 times. Finally they paid the old claims, but the most recent denied.... why, you ask.... I need a referral from my PCP to have my PCP, WTF.... you are given incorrect information which resulted in me now having to pay a cardiologist over $1500... why do you ask.... claimed not to received the referral, even though I received in the mail their agreement that I needed to see the cardiologist.

My 14-year old has hypothyroidism. When we were switched to United Healthcare, we were able to find some but few good doctors available through their plan. That was one year ago. Since then, all of the providers have dropped United Healthcare, stating they are too difficult to work with, do not pay claims. My daughter has had to switch pediatricians, and endocrinologists twice this year and is currently without a pediatrician because all of the doctors they list on their site as being part of their group have withdrawn. I only found this out after countless days of leaving messages for these doctors, only to find out they do not take United Healthcare any longer.

The agent from United Health Care lied to me about what drugs were covered by them to get me to switch to them. These medications are not medications you can just stop taking. I told him specifically if they don't cover my medication, I will not switch! But he looked me in the face and said all of them were! They HAVEN'T COVERED THEM YET!!! But Medicare covers them!!!

According to my benefits, all preventative care should be covered 100%, but I received a bill for my last annual. So I called benefits to verify, and they said it should be covered. Then I call billings, and they tell me it's not covered. I asked what changed between my last annual and the previous years? I've never had to pay out of pocket for my annual physical. So after some back and forth calls, I'm finally told that their rules changed last year and the blood work I had done is not considered "preventive" anymore. If they're going to make up new rules, they should at least communicate this to benefits so I wouldn't have to deal with all this circus crap. I did some research online, looks like there are others in the same boat... I'm very upset and disappointed with UHC. I hope someone stands up this corporate bully!

I have cancer of the blood and changed to United Health Care. There is no cure for this disease, however one drug (only one) helps mitigate the progression and some symptoms. The doctor prescribed it, but they have refused to pay for this drug even though it's Medicare approved. They called my doctor's office on a Monday and he didn't return the call the same day so they denied my request for an "exception." Do not sign up with United Health Care, their focus is not on their members' health, only how to avoid paying for your medical services.

The sales person that sold me the policy lied. He said they would pay completely for the first three doctor visits and then after that they would pay for 70%. They said they would pay for 70% for diagnostics and paid nothing. I was told they would pay between 40 and 60% for prescriptions and they paid only $1.00 and $2.00 for two very expensive eye drops. When I try to call their number I am on hold forever and then I am asked to live a number they can return my call. They never do. I even tried calling the sales person that sold me the policy and I keep getting "The person you are trying to reach is not taking calls right now". He never is!! I have read numerous complaints regarding this company and I don't understand how they are even able to sell their products.

I make payments online through our bank for my husband's and my United Health Care medication plan. We always pay our bills on time. My payment for January and February on my account has been lost by United Health Care and they are telling me I will be dropped if I don't make the payments. My bank verifies they sent the checks on time. I have given the numerous phone people at UHC the dates and numbers of those two checks, made by the bank. I am told UHC cannot look for the checks unless they have cleared the bank. Duh, if they had cleared the bank, my account wouldn't be in arrears... they lost them at UHC and won't search for them; just want me to make the payments again with my credit card.

This is not a new complaint but rather a follow-up to a complaint filed on 2/9/15. It was very suspicious that shortly after filing the complaint about UHC not posting my February 2015 payment that a posted payment appeared on my UHC account.

This company is the absolute worst. They won't let me get my cancer treatment at the hospital I was always going to and expect to move all of my appointments over to another hospital. I've been seeing this hospital since I was 15 and I only have 9 more months to go...disgusting.

I have a claim from over a year ago that has not been paid. When calling United Healthcare with the provider they just said if the Doctors tax code is on the claim we code it under that instead of the hospital's tax code. This was an urgent care visit. Customer service was vague about fixing the situation and said they could not do anything, a claims adjuster would need to review it. It's been 15 days and still no answer.

Apparently Optum RX is part of UnitedHealthcare. My wife signed us up in January because we are both out-of-work but the government requires you have healthcare anyway. One of my prescriptions came up to be refilled. When I called for help, I was told that no mail pharmacy was on my plan. We have the GOLD (next to the top) plan. The support person had no answer. So I asked about pharmacies. I live in a city of nearly a million and there is only ONE approved pharmacy? Their price for the medication was $390 when Walmart was charging $189. No explanation for that other than "We don't set the prices." I thought that is what insurance did. I agree with the vast majority of comments here. This company is just set up to take advantage of the consumer while providing no support and a minimum of actual insurance.

I did not think they would be great. I was not anticipating robust and open deception. I was thinking Humana was cruddy then my company contracted with uhc. Amazingly they were worse. A ppo "plus" plan that is a glorified hmo. I have been told numerous lies. Multiple representatives told me my benefits in contrast to what the provider was starting. Finally weeks later I discovered that my yearly number of rehab sessions of twenty would only be four. I have progressed to external complaints. I will dump them ASAP. Look good on paper but it's all a ruse.

I was forced into UHC this year from my employer based Health Insurance. At the first of the year I began trying to get my medications approved and have been getting denial letters stating I needed prior authorizations from my Doctor. The P.A. forms were sent in and once again denied. I had no problems with my previous Insurance Company Blue Cross Blue Shield. UHC is like the mafia! You can't fight this big machine. The consumers are victims. Have you seen UHC's earnings reports. And to think, we pay dearly for monthly premiums.

Back in November, United Healthcare signed me up with a doctor/ARNP who hasn't taken patients or had a patient practice for 20 years. She told me she has been trying to get her name taken off their list for a year, but they keep sending people to her. So I called them. The rep on the phone was very nice and after about 45 minutes, she found me another healthcare provider, but informed me that I would not have any coverage until January since they would have to start my enrollment over or something of that nature that I did not understand. But I shrugged it off.

I don't have a crisis but if this is typical of a healthcare provider for retired persons this company is pathetic. First call 2-2-2015 7:20 PM after a telephone tree with far too many choices to push buttons on recording says "Your wait is about 5 minutes." I can handle five minutes but 11 minutes go by. Recorded music stops. [Me] "Hello, hello," [Them] CLICK hang up. Call back advised having technical difficulties. Call back again wait is now more than 10 minutes according to the recorded message. They got that right we are now running up to the cut off time of 8 PM. So far 22 minutes on hold.

United Healthcare harassed me and stabbed me in the back. Been on disability, and they were my insurance from 2012 through December 2014. Had been as obvious as a slap in the face noticing, that several providers they paid me to go to, would ignore my diagnosed medical conditions, treatments, make disparaging biased remarks, and repeatedly delete medical facts even when re-given or faxed. I have all my MRIs, med records however. These records show I cannot permanently do prolonged standing, walking, lifting or carrying permanently for employment. I have doctors' reports and PhD. reports saying as well. It seemed like United Healthcare was involved in contacting providers and making biased negative comments to try and make my med records appear I have no disability. That is my only opinion.

I never go to the doctor. I've paid my prem. for years! Went to a doctor was the bill was $177.00. They made me pay upfront. Now I'm still waiting for a reimbursement check, what the heck. So far I've spoke to 3 different people. They put me on hold and someone new picks up and it starts all over again: "sorry now we are waiting on the 4th person... SORRY NOW WAITING ON THE 5TH PERSON." Started off with someone in another country, MI, & now CA & TX. Been on phone 35 mins. Is asking one question so hard for them to answer? After 45mins I got answer. Still, they have a very poor system

I came out of brain surgery and was told by my Doctor that I need absolutely needed a specific medication immediately. I took the prescription to my pharmacist and was told that United Health Care would not pay for it. The price would have been over $800 per month. I had very little money so I put the cost onto a credit card and appealed United Health Care's decision. After many phone calls fighting their decision they decided to pay for the medication and I was told they would cover the amount I'd already paid. I sent all the necessary forms and receipts and heard nothing from them for several months. I called them again and after several more phone call they told that they weren't going to pay me. I am appealing their decision. This people are simply greedy parasites.

Doctor prescribed specialty medication which UHC instantly denied. They did however offer an alternative medicine which happens to cost 2 to 3 times as much as the requested medicine, has greater side effects, and I have a WELL DOCUMENTED ALLERGY to. Doctor faxed an urgent appeal and received confirmation, however, I have followed up with UHC now one week later and they claim to not have received the appeal. The first customer service rep I spoke with today was ridiculously unhelpful and suggested I wait 48 business hours to hear back from him.

Do not get United Health Care if you are having any infertility issues, as they provide NO coverage at all for fertility treatment. The ironic part is that they will cover diagnosis, which just seem cruel than not to cover treatment. After getting a devastating diagnosis, they made us feel even worse by saying no coverage at all. They won't even bother to take the time to consider exceptions. After having no medical problems our entire lives, it is hard to accept that your insurance won't help you when you actually have a problem. I am going to opt out of United Health Care coverage.

I have many, many stories about UHC refusing to pay claims. That's their policy, to reject any and all claims first. You have to call, harass and threaten to sue before they will even "consider" paying a claim. Sometimes, I win and sometimes, I don't. For example, I have mac degeneration eye disease. When I got into see the chief at UCLA Stein Ctr, he told me that if I didn't start eye injections that day, I would be blind in six months. They called my insurance to get the injection drug approved and of course it was denied even with documentation from the chief, etc. I guess an eyesight saving drug isn't on their "approved" list. The injections were four grand a shot and I needed several over the course of the next three years, probably in the upwards of over 130K. OK, I'm thinking, I better prepare to go blind at age 45.

I am a thirty-year hospital administrator who has also worked for another major health care insurer in years past. I am POA for my mother and managing her health care affairs as of last September. I sent her most recent premium payment December 19. UHC have never cashed it. My follow-up with them required being put on hold for a total of over 3 hours in one day, repeated faxes and phone calls. I had to work two phones at one time to get through. Holding requires listening to the same Bach piece played over and over. Bottom line: I was advised that UHC has lost a large number of December checks and cannot determine what has happened to them.

If you have or are considering United Health Care, go ahead and get yourself a lawyer. I am a medical assistant at a doctor's office and I deal with all major insurances all day. However, none of them make me want to cry like United Health Care does. I have seen too many patients get upset at this insurance because they just pass you around from department to department. If you add the hold time/music and the representatives with thick accents, you have a personal nightmare. I was on the phone with this company for 4 hours today trying to get one medication approved for one patient. I wish I could say it got approved but really, they just passed me around until they closed. Don't let your employer chose united... Your sanity is with more than that.

A good percentage of the time, I will be directed to a person that I cant understand, either they on a head set mic, just don't speak plain English, or use slang! The person becomes offensive!

ATT quit paying for our medicine. We had to find someone else. Our doctor's name is in the policy manual for United Health. When my husband went to the office for his blood work, they said we'd have to find another doctor. It took three yrs. to find this one. Said we can't change until next year.

My 17-year-old son has serious issues with drugs, ditching school, theft, and a 14-year-old girl. He has been in two intensive outpatient programs that he got kicked out of for repeated drug test failures. He has stolen over $1,000 and caused another $1,000 in damage breaking into locked rooms. His probation officer, psychologist, and we parents all agreed that he needed inpatient treatment.

It would literally take pages to tell you everything United Healthcare has done to not pay for a new prosthetic for me. It is absolutely a covered expense and they have been giving me the run around and phone tag for 7 months now and still are denying to pay for a new prosthetic. My "In-Network" doctor has called them four times and spent hours on hold, etc. The doctor won't even deal with UHC anymore telling me they are just giving me the run around. I have spoken to over a dozen reps and supervisors to no avail. They never call back or return calls. They hope you just give up so they don't have to pay anything. IF YOU ARE IN SEARCH OF INSURANCE, STAY AWAY FROM UNITED HEALTHCARE. THEY ARE HORRID AND CORRUPT!

Decided this year to go with United Health Care over Blue Cross Blue Shield. Once decide on www.healthcare.gov I was forward to United's web site to "pay first month's" premium. This $537.61 was on 12/11/2014. As of today, 01/21/2015 I have NOT received any receipt for my payment whatsoever (except from my bank card company), have NOT received any enrollment package with benefits information, and have not received any ID Cards for myself or family. I have however made 6 calls to UHC seeking above information and have also received 2 calls from them including one just now. The UHC rep told me to call their billing department if I wanted a receipt.

This is the worse scam of an insurance company out there. I was diagnosed with Type 2 diabetes in August of 2014 and my Doctor and Hospital Diabetes Group stated I needed Metformin and Januvia to get it under control. They refused to pay for Januvia but after 45 days of me keeping records of my non improving Blood Glucose readings as they requested my Doctor supplied them with copies of my chart and they agreed to provide the Januvia approved until 2034.

I have tried for 3 days to call because they have not cashed my payment for Jan. 2015. Day 1 - hold time 25 min before I gave up. Day 2 - 47 min before I gave up. Day - 2 said yes I would answer the survey and got answered in 6 min 15 sec. The rep. had the account number and my phone number yet when the call dropped he did not try to call back. Day 2 - 3rd attempt. Gave up after 30 min. Day 3 - as I type this on hold for 1 hour 25 min. I now also have a bill saying I owe two months of premiums. What is going on with this company? What are they doing to fix the issue.

I have been on the phone with United Health Care for the last two days. I purchased healthcare with them on March 21, 2014 and they debited my account on March 22, 2014. However, they have never sent me any cards or the benefit plan. I now have to show proof of medical insurance to the IRS and have no proof. I have been on the phone for three hours today alone and just tossed around. I need to find a way to report this as I feel that I have been scammed and/or ripped off.

My family just started with this insurance January 1, 2015. Bad decision. When I went to pick up my prescriptions I was told my birth date was incorrect as per the UMR and I could not use my insurance card to purchase them. Would have to pay full price. (I'm out) called them today and was told my HR would have to submit my correct birthdate in writing before they could change it. I have a doctors appointment in 2 weeks that I have waited for 6 months to get and will have to cancel it. Not to mention my prescriptions will not get filled until this error on their part is corrected. Can't wait for this year to be over... going back to blue cross.

I find it extremely disturbing that an insurance company can prescribe and change a member's prescription drugs without a doctor's input. I've been taking the same sleeping aid every night for 10 years. As a new member, United Healthcare decided that I shouldn't be taking this drug, and should switch to another medication. I had taken their new suggested drug previously and had serious side effects. I have now been abruptly cut off from my sleeping medication for 3 weeks while they review it. I'm a senior citizen with heart problems. Cutting off a medication like this can cause serious side effects. If I die from complications due to this, here it is in writing that United Healthcare is to blame. Very scary!!

Since registering with UHC in early December I have been unable to get the correct PCP assigned for my family and me. I am sent member cards almost randomly with the wrong doctor assigned. I have spent hours on the phone over 5 occasions and am now waiting, 7 to 10 days, to see if my last attempt today will resolve the issue. I am underwhelmed with the customer service and the follow through. I have no confidence that UHC will be able to provide health care for my family.

"Conventional" treatment for Prostate Cancer leaves 50% of men impotent, incontinent, or both. Here in NV, the costs are approx $50,000 and up. There is a new procedure (FLA), FDA approved which has been being used in soft-tumor cancers for years (and paid for by insurance companies INCLUDING UH on SOME PLANS) which is less expensive and with no life-altering side-effects. Will UH even consider paying for it? Of course not.... they consider it "investigational".

My father retired 12/31/2012. He signed up for UHC Medicare plan effective 1/1/2013. He had emergency gallbladder surgery 2/13/2013. UHC paid claims but 11 months later, UHC took back payments from providers. After researching issue, found out employer did not terminate my father from group plan until 2/27/13. Two years, UHC nor BCBS are paying and my dad is getting bills for over $7,000.

I attempted to call United Health Care customer service and was on hold for over hours and never spoke to a representative. I call back and was on hold again and never spoke to a representative. The on hold music played over and over and there were numerous messages apologizing for the delay and others about automatic deductions. Still after hours of waiting, I never spoke to a representative. This should be in violation of Medicare minimum standards.

I now too join you kind folks in damnation and burn in HealthCare Hell. I applied through Marketplace with LIMITED plans or should I say plan that wasn't even close to affordable and choice applied to more than one. UHC silver compass HSA 3600 base premium 318.00 per month 3,600 deductible is the only plan they offer with coverage on Hospitalization. Blue Cross Silver offers 3 plans with a jump of 348.00 per month premium and 6,600 out of pocket maximum leaving two plans with a slightly lower premium with an even higher out of pocket max and one with a lower premium of 272.00 and 2,400 to meet, and with it a co-insurance you'll need to do your homework on.

The patient has been insured with United Health Care for quite some time, and has always been prompt with his premium payments. United Health Care has denied the patient's medication, which his team of medical doctors have prescribed, to prevent acute encephalopathy. The patient is delirious and cannot possibly file an appeal for himself, so I've attempted to help him resolve United's oversight. I cannot possibly imagine that they wish for the patient to die, or at the least, suffer permanent, irreversible brain damage. After spending well over three hours on the phone, being transferred from one person to another, none of whom were very informative (or well-informed, themselves...)

United healthcare sales woman sold me a policy without informing me of the $350.00 deductible on a policy which only cost $310 per year. I ended up having to pay so far $200.00, earlier this week. The rest will be tomorrow. I'm totally disabled and only receive SSDI. I may not be able to get needed medications due to their "bait and switch" behavior. Phone calls useless, told I'm stuck until next open enrollment.

MCO unethical placement of my son into out of state RTC. By legal hearing, my son was sent into a TX RTC. He is currently suffering physical and mental abuse 560 miles away. Staff ratio is 1:5. Our plea to keep him 160 miles away was denied only due to, as the MD stated, due to treatment time. Even though my son had a fitting psychological logical evaluation at Santa Villa Maria. They believed they could help him. We all believed the environment there was a good fit for his sensory issues. Their style of treatment is less aggressive.

UHC says they never received my payment for Medicare Plan. The check was sent out by my bank and I have the check number and reference. I have been waiting for 30 minutes so far to speak to a UHC agent and am forced to listen to those idiotic messages. Yesterday, I waited 35 minutes to speak to a CS REP who was very unhelpful and 'misinformed'. When I suggested UHC allow us to request 'call back' as Amazon and Social Security/Medicare do, she told me, 'Medicare won't let us do that'! I am very very dissatisfied with their CS and their responsiveness. Will be switching insurers in October for sure.

This past Sunday at 4:30PM my wife found herself in an emergency situation when her spinal cord stimulator failed. For a moment we panicked as she fell into intractable pain. We had not dealt with this before with UHC but I called about 5PM to ask them for a referral for a neurosurgeon. They gave me 5 names and suggested I contact one right away to get her the help she needed.