UnitedHealthCare Reviews

I take ** 250/50 for Asthma and ** 120 mg/day for Fibromyalgia. Both my Primary Care Physician and my Rheumatologist sent numerous forms to United Health and were both told repeatedly that United Health had not received the necessary forms from them. I finally received "permission" for my **, but wasn't certain it would arrive in time. United Health's only suggestion was to get enough to last (a few) days, in case I didn't receive it in time. ** is not pill form. It is a 30 day/60 dose inhaler that manages my Asthma. They then told me they would authorize a refill which I would pay for, but would get no reimbursement. I did not have over $300 to pay out for this medication.

UHC consistently reneges on the very small amounts it says it will pay resulting in more out of pocket expense for me months after the fact. My dental insurance only covers $1,000 a year, but they refuse to pay even that. So subsequently six months after I thought I'd paid everything I owe I get a bill for over $400 from the dentist, who explained that insurance companies do not have to adhere to their promise to pay what they said they would pay at the time of treatment. In other words, they routinely lie. This appears to be the norm with UHC, and after years of the same thing happening repeatedly I'm finally catching on. Although I detest the intrusiveness of Obamacare, I certainly see the reasoning behind it. These people are nothing but thieves and liars.

UnitedHealthCare should be renamed "UnitedHealthDestroyer". This evil empire denies benefits and coverage arbitrarily. It's number one excuse (and UnitedHealthCare has all employees well trained to repeat the same story) is to blame my employer for the benefits that it elected and didn't elect for my employer's emloyees. The second and most common excuse is to declare that they never received my claim. I send it again. And again. And again, and they claim the same. Icing-on-the-cake: you cannot send them a letter through United States Postal Service with a return-receipt because their address is conveniently a PO Box. My doctors and my hospital hate UnitedHealthCare. But this evil empire has complete and total control over Washington D.C. There is nothing we can do... or is there?

Joined before the deadline. To date I have not received an i.d. card and information related to my "account". I was given a series of numbers to give my providers in lieu of an i.d. The numbers were wrong and one series was missing according to my pharmacist after he contact United. I had to pay retail for my meds. Called United and was presented with "ghetto attitude" and lectured, spoke to 3 different people, was given no help at all... After reading many, many complaints, I have come to the conclusion that they are WORTHLESS and I want to unsubscribe....

I live in Denver. My son is in college in Dallas, TX. Because United Healthcare (UHC) tries their best to make everything as difficult as possible for its subscribers (in hopes that they will get frustrated and give up, thereby boosting UHC's profits exponentially), they REQUIRE that my son's primary care physician (PCP) be located here in Denver, instead of allowing him to use one of the MANY PCPs that are in UHC's network that are within a couple of miles of my son, in Dallas.

I have called United Health Care's customer service line on 5 separate occasions trying to get information on how much my prescription drug coverage and cost. Multiple agents continued to send me on to other agencies who then reported me back to United. When my prescription was finally submitted, I was told I would have to pay $1,496 for my medication because my account had not yet been set up, had my insurance set up my account my cost would be $50. My account has been valid for a week now, so I am paying for this coverage, but someone hasn't set it up?? Their customer service line is only only 8:00am - 8:00pm, and not open on Holidays so I have been unable to fill my prescription for three days now. Thank God this isn't for a vital heart medication or I would really be in trouble! How can such a large company not have better customer service???

I recently had some odd bills from a provider. I went through the explanation of benefits and realized I had been double billed on two occasions. It appears so far they are billing under the physician and the group where the physician works. I thought the provider had double billed, well...it turned out to be United Healthcare. It was corrected, but I was held responsible for the billing that cost me the most and insurance the least. I found another bill handled the same way and UHC is currently investigating because both of those were paid. I'm sure it was meant to find out which one cost them the least, but it actually was paid in error.

Co-pays for medications allow this company to actually profit from prescription drugs. On one medication for a common medication that can be bought for $10 a pill, they charged a $60 co-pay and only allowed three pills per month. Also refused to cover medications, they could not negotiate a profit with on the medication cost. When my employer chose this insurer, I had to change almost all of my medications and some they would not allow at all. Even though the cost of one script would have been only $108 per month and they could have charged $60 co-pay that wasn't good enough for them. And there was no alternative for this drug that would stop the seizures it was treating. Amazing company. Google them with the word lawsuit.

I am a kidney transplant patient. I have had 3 kidney transplants over the last 36 years. My issue is with the Pharmacy UHC makes me use now. Until last year, I was able to get all my medications from my local pharmacy. Since the company I work for switched to UHC, I am no longer able to. Only two out of the many I take, have to be filled from OptumRx, contracted by UHC for "Specialty" Medications. This, to me makes no sense, since my Doctor is here and not in California. I have numerous issue with trying to get just these two medications. Both are anti-rejection medications. All I get is "I'm Sorry." That does me no good if I do not have my medications.

I am on medicare and have a med Advantage plan with UHC. For the last year, since my doctor joined a larger health group, things seem to be messed up. I originally blamed the "new" office help but have recently found the problem. My original Primary Care Physician took 6 months off and another doctor took over for him. When I started receiving bills from the doctor's office for things that should be covered, I called the office and was told the bill wasn't paid because I didn't use my primary care physician (PCP). I had my explanation of benefits in my hand at the time and it said the doctor was out of network. It seems UHC doesn't use the same explanation of non benefits for the doctor as for the patient.

My Medicare insurance is AARP's United Healthcare plan. Several months ago I had surgery at a major Boston hospital, under general anesthesia, with the understanding that my hospital stay would be either one or two overnights. My surgery was very early in the morning and by evening I was feeling very good and only wanted a good night's sleep. Well, hospitals are noisy and busy. I asked if I could possibly go home that same evening and was examined by docs and discharged. Got a good night's sleep and on to recuperation. All good, right? Not exactly.

We started with them in November - two months before the end of the fiscal year. I had an MRI and they slapped me with the ENTIRE bill, telling me it was to satisfy my deductible which will start over again NEXT WEEK!!!!!!!! I explained that I thought it was unfair and they should let it stand as my deductible until next November. Then they said no and that is just the way they operate!!!!!!! I am going to dump them as quickly as possible!! Also, it is CHEAPER for me to get my thyroid medicine in 3 month increments not using the insurance than to get it through them!!!!!! SCAM.

My wife can't get the help she needs because she is restricted to 1) a plan, 2) a county 3) an incompetent personal physician. The advertising of united healthcare repeatedly states no networks. I cancelled my enrollment at end of October. Have yet to get notification of said act.

My husband passed away July 27, 2013 and I called AARP United Healthcare to cancel my part D. As a survivor, I would be covered. I called on 10/4/13 and told them. At that time my payments were being automatically deducted and were up to date. I received a bill for $70.20. I called them and the very curt and scripted representative said it was in the system as terminated, but they never received a dis-enrollment letter from me so they took it upon themselves to re-enroll me. I told her I never received such a letter. If I had, I surely would have sent it back. She said, "Well, we sent it," and was very emphatic about it. I refused to send the money and am sending letters regarding the bill and her attitude in dealing with the public. I have dealt with many people since my husband's death regarding his and my affairs, but I thank God she is a rarity in the harsh and unfeeling way she handled my problem. I have great sympathy for her.

A family member has United HealthCare through her employer and has had them for several years. She has gone through serious cancer treatment and is now cancer free. The doctors treatment included CT scans periodically for 5 years to make sure she stays cancer-free. United HealthCare has decided she has had enough CT scans since they have not shown any cancer so far. She has only been cancer free for 2 years (a far cry from the doctor recommended 5 year checkups). Will they put the denial in writing? Not so far.

United Health Care announced in Oct. at the beginning of open enrollment that it would no longer have unlimited dental benefits or the Silver Sneaker program for its patients who are under its Dual Complete plan. The change was announced late enough that patients had no time to do the extensive research that is needed to decide on and enroll in a different insurance plan. The information was announced late enough that patients could not get dental work they presently needed done before the end of the year. I pay more for my prescriptions with United because I wanted the dental benefits and the Silver Sneaker program. I think that what United did is very unfair. Patients needed a year to make responses to these changes in coverage.

I got a bill for $359.78 for three office visits with my primary care doctor, two in May, one June 16th. Apparently my doctor wasn't covered under my plan until June 20th even though when I searched on the UHC website her name came up as in network. I appealed this with UHC thinking they would cover it but they said because I had no proof and it clearly states on my benefits I am responsible for out of network doctors, I am responsible for the bill and that the website isn't always up to date with who is in network so I should always call to speak to a representative to find out if a doctor is in network even though every time I call, they tell me I can look online and find the doctors that are in network. I find this company dishonest. There was nothing online stating that doctor wasn't in network. Otherwise I wouldn't have chosen her. Not to mention I didn't find any of this out until 6 months after the appointments had happened!!

I'm building a case against them and they are going to pay punitive damages for what I have been through trying to get treatment for my wife's cancer and their arbitrary and capricious enrollment issues that take away my privacy and 4th amendment constitutional right. There is never any continuity on claims or my continuous issues. They are like the Borg and have offices everywhere with flunkee agents that don't help. I'm looking for legal representation to take the case.

I turned 65 in October 2013 and selected the United Sharp Medicare Advantage plan. I have had COPD Chronic Bronchitis for many years with no coverage and last year had a heart attack and stent. I have been working on my blood pressure and of course doing everything possible to support a healthier & longer life for myself. 6 months ago, I was diagnosed with advanced Sleep Apnea OSA. Logic dictated that I get the cPAP Machine though Medicare so I waited several months and suffered greatly!

I turned 65 in September and became eligible for Medicare. I looked at many plans and chose United Health Care Medicare Solution, which I thought was the best policy. Before my coverage kicked in, I had one problem after another. I received notice that I had a "free" membership at silversneakers.com various participating facilities. I went to the local YMCA who is a participating venue, and when the girl checked my membership, told me I didn't qualify BECAUSE I was on "welfare". Yes, I do get "extra help" due to I have a small amount of SS benefit each month. This young woman announced to all the people around me of the coverage I receive. Totally embarrassing me.

I had an issue where my hair was falling out, my brain was very foggy, and I had gained a great deal of weight over a short period of time. I had gone almost a year without health insurance, so they were allowed to ask questions. Here is the question to doctors/new doctors you are seeing for this situation. "Are you aware if the patient was ever treated in the last 18 months for this disease?" All the doctors were new, and did not have enough history with me, so they said, "No". And as a result, United Health used this as a way to treat this as a "pre-existing condition" and denied to pay them. I was told this by the person who processed the claims!!!!!! I had to go back and have the claims re-processed for a year, but they all finally got paid! PRETTY SLIMY policies. Sounds like their lawyers are telling how to word the claims in an effort to pay doctors!

As a subscriber of United Healthcare Medicare Advantage insurance, I have had very poor and disinterested service. When I have sought resolution to a problem with United Healthcare services, we get conflicting information and they will not put anything in writing so that you can appeal a decision. The only thing that United Healthcare will give you is a runaround.

UHC did everything possible to avoid paying for my son's visits to a psychiatrist. They have come up with all possible reasons (sometimes different) for over 18 months why they could not reimburse me. The last reason (after they got everything they asked for 18 months later and dozens of 1 hour long calls) they sent me a letter saying that they still would not reimburse me because the information they requested from the doctor arrived more than 180 days after the visit. They did receive it multiple times before (according to the doctor) but would not admit it. Their business model is: let's try to do everything in our power to avoid paying the consumer; let's concentrate on getting the premiums, the rest is not important. What a shameless bunch of people. They don't deserve to be in business. Avoid them at all costs.

Had a severe sinus infection & sore throat, was prescribed Antibiotics. It looks like it's very hard to get UHC Oxford Optum Rx to pay for an Rx if you need it on a weekend. UHC Oxford told the pharmacy they wouldn't pay without Prior Authorization, that the prescribing physician had to call the PA line first. He called the PA line and it said they were closed on the weekend. Called Oxford and got the runaround being tossed from one department to another over several hours. "You should have called the PA department first, they're open, oh wait, I guess they're not open anymore, let me transfer you to a supervisor."

I just read the following posted in Tampa Bay, FL newspaper and can tell you how United Healthcare is operating to keep large profit margins: United Healthcare, the nation's largest health insurer, is hardly hurting. It earned a $2 billion profit in the third quarter of 2013, company reports say. But that was down $200 million from the same quarter last year, largely due to changes in Medicare advantage.

Unfortunately I am in a PSA reduction area. I live on the island of Maui and as of October 1st, they got rid of Tricare Prime for all outer island retirees. We all knew a year in advance and made preparations for October 1st. Starting in July, I called UMHC and read literature that as long as you live within a hundred miles of a valid Tricare Prime Primary Care Manager, you could keep your Tricare Prime (Sound Familiar, Obamacare). Also, you would have to resubmit a new application with the PCMs. You would also have to sign in the application a travel time waiver stating that your travel time may exceed 30 minutes. No problem.

I had United Healthcare through my prior employer. I paid about $260 a month for medical care for my daughter and I. We had behavioral healthcare and medical healthcare and the deductible was $1000 per person. My daughter was having behavioral, mental and substance abuse problems and she needed help. She had a diagnosis from an outside agency and the recommendation was for long term in patient care. United Healthcare only provided two in patient clinics. Neither offered the help needed for her mental health. We found one within 20 miles of our home but it was only for the substance abuse portion. We went through the assessment process for the UH provided per the insurance requirements. The treatment facility found that she was eligible for substance abuse treatment (the only piece they could diagnose). They recommended in patient care. We now had two assessments recommending long term care; however the treatment facility (both that were in our network) only offered 28 - 30 day treatment programs.

Should have been no star rating for UHC Military. I have been waiting for my biopsy authorization since last week, but until now have not received it. UHC Military had given me the runaround. UHC Mil denied the authorization request two times due to their failure to correct the no other health insurance code on their computer application. The representatives even blamed DEERS. I contacted DEERS and I was told that DEERS does not have anything to do with UHCMILITARY other health insurance issues.

I have been on the phone every 2 weeks with UHC concerning preexisting. They say they mail letters to my drs but yet never receive them. They pre-authorized the surgery. Looks like the bill is on me.

After Tricare military health insurance switched from Triwest to United Healthcare, my referrals have been repeatedly denied stating I have other health insurance...which I do not and never have. I have other dental insurance which (after at least 20-30 minutes of waiting on the phone to get a representative), they state they can see in the system and my referrals should not be denied for having other healthcare insurance. Well! That is great news! However, despite them stating they added notes to the system and even being transferred to the referral management team at one point (who did fix two referrals while I refused to hang up the phone as this was already my 3rd phone call and promised this issue would be fixed from then on); there is still an issue every time I have a new referral.

Recurrent Diverticulitis. Third episode. Treated for two weeks with oral antibiotics. Went to surgeon for consult. He direct admitted me to hospital for IV antibiotics. Stayed for days, left with PICC line. Did ten days IV antibiotics at home. Two weeks later, no better. Drove to ER, admitted again for four more days IV antibiotics. Went home with PICC again for home IV before 10 inches colon removed. UHC has denied both hospital stays for IV treatment as unnecessary. Hospital and surgeon have appealed twice, been turned down twice.

The new "United Healthcare Military" is HORRIBLE!! I am trying to make a complaint against them with the BBB but honestly, what good will it do? They control the West region for the military and have a contract. First, when they first switched over, I sent in my paperwork like they asked me for automatic payments. In May, I had some paperwork come to and so I called and they said I was fine and my payment was received... THEN in June, I was told that we were dropped! WHAT??! They LIED TO ME...

In April, I was told I needed a total hip replacement. My joint was totally worn out and I was in extreme pain. It was sent to United Health Care who just took over for Tricare West. After months of the doctor submitting info, we were given the okay, and an authorization number. That was in July and surgery was July 9th. Now here I am in October, and the claims related to the surgery are being denied, and bills keep coming. Now they're saying that was an incorrect authorization number, the hospital is appealing, and the surgeon is fighting too. Now I am having to pay some bills just to keep myself out of collections. A nightmare, Tricare Insurance now sucks, or is it United???

Extremely poorly trained representatives who are not proficient in either the plans or problem resolution: Downright wrong information given out. A different representative on each call; increased confusion, no continuity. Enormous amount of wasted time; progress all but impossible. Computer system doesn't systematically accommodate complaint history. Confusion & errors mount up; untold frustration. Multiple copies of paperwork lost. Reps either unaware of policy provisions, or chose to ignore them.

I signed up for the AARP endorsed Medicare Part D, prescription coverage, in October 2013. I did this after using online calculations and finding that the policy, through United Health Care, covered all of my prescriptions and had the lowest premium after figuring in the annual deductible. It was only a few dollars less than other companies. The calculator gave me a choice of plans from 7 companies. I signed up for a monthly premium of $15 from United Health Care. I called United Health Care and spoke to representatives about the coverage and paid the first month premium for October 2013. I received my payment book a week later and discovered that in January 2014, my monthly premium goes up to $22.60 which is a 53% increase! I realize that health insurance generally goes up 15-20% per year. However, I have never heard of a 53% increase!

United Healthcare informed many Doctors in our community on July 1st that they were no longer providers. They are just contacting the patients at this time. In addition, they have cancelled Gym silver sneakers coverage. Cancelled Eye exams, Cancelled Dental cleanings and check ups and personally, if I stay with the plan, I lose my Cardiologist, GI Dr. and family doctor. United Healthcare is not interested in any dialog. "If you don't like it, find another plan." It is both devastating and outrageous.

By the time you made it through the million hurdles to get healthcare, you will probably be dead from lack of tests or not following obscure dumb rules for referrals. This is the worst insurance company ever. For the state, the contract changed from Blue Cross Blue Shield managing it to these morons. They purposely make it difficult to keep up with referrals as they are extremely limited in their time and number of visits. If you happen to go to a specialist once a year and a doctor you have seen previously, what is the point of a referral? Since the doctors coordinate these electronically to save money, you may never see these referrals happening or not happening.

I've had numerous problems with UHC military's mental health coverage. I am a military wife and have a panic disorder that can be severe if not controlled by medicine. Once my SSRI had a generic, they no longer covered my name brand, which was fine, until I noticed that I had increasing anxiety after I started on the generic. We eventually paid my name brand out of pocket and appealed the decision, even having a doctor's note to say I needed the name brand. They denied and denied until I gave up and switched medications. I was out about $1500.

I worked for Care Improvement Plus as an insurance agent for approximately three years. During this time, I sold and serviced many clients. About a year ago United Healthcare acquisition CIP. As the new owners, they stopped paying earned commissions to me. Yet, they still hold my clients on the books of business. They stated that it was due to a failed background check. I can understand not renewing my contract, but I don't understand not paying me Agreed for clients gained by my hard work and efforts. Just because I didn't pass background this year does not justify not paying me for business written years ago!

I am a healthcare provider for the military, both active duty, dependent and retirees. I provide sleep appliances for people with sleep apnea to control a life threatening condition. My association started when Tricare was managed by TriWest insurance company. During that time we had no problems getting patient their due coverage for claims. United Healthcare filed a claim with the government stating that TriWest was cheating the government. Consequently TriWest was fined $10 million, and subsequently lost their military contract.

I have been trying for over a month to get a single case agreement for my son to see a certain provider at her new location in our pediatrician's office. She is running into walls from the provider's side trying to be covered by the insurance in her new location. In the meantime, it is getting more and more dire that my son see this provider. So I ask for a single case agreement from United Healthcare. They do not have a form I can fill out and send in. I have to give as much information about my son's "case" to a call center employee who then takes it up the ladder to have someone who doesn't know me or my son make a decision about coverage.

These people are unbelievable. The agents I have wasted over 4 hours on the phone with the last week have ranged from utterly incompetent to hostile and rude. They blame my doctor for not filling out referral notices correctly... Ummm, she never had an issue ever with TriWest. Every referral she filled out with them was fine. But now, all of a sudden, my chronically ill children have no referrals for care and it looks like I'm going to be paying huge bills due to the incompetence of United Healthcare Military and Veterans. I wish there were a "0" star rating because I passed "Angry" about 4 weeks ago.

Yes I was going to get insurance with this company, but the insurance agent was very rude and stated he would not go over any type of insurance quotes with me because I wasn't serious about purchasing. I considered that to be very rude and that kind of attitude has led me to believe that this is not the company that I should be spending my hard-earned money with. Thank you.

I know many people who have this coverage. There are bills left unpaid for years. Should these people write the state Attorney General in Trenton or better to get a high-powered lawyer for class action. These people are having their credit ruined while they continue to pay for their "health care (???)" benefit. I have seen these people reduced to tears. They place maybe 25 calls over the course of a year and never get one response. Someone must put an end to this horrible service which borders on scam. Please help.

I am a provider who works with lots of military families. When they took over Tricare in April, I expected a few bumps, but I never expected this. Since April I have submitted hundreds of claims over and over, and to date I have been paid for THREE claims. I have not billed my military families as I know they cannot pay me, AND they shouldn't have to. They have coverage. If you are military, don't take any crap from them. Contact your congressman immediately! Ask your providers to do the same. State Insurance Commissions have NO oversight of these monsters only congress.

My 13-year-old son fell at a gym one evening before Christmas, and landed on his mouth losing his top 4 front teeth. I went with him to emergency care at a dentist the next day after looking to find a dentist open before Christmas that could provide relief for him. When we arrived at the dentist, we called United Health Care and they gave a preapproval for the dentist to do the work. The procedure required to repair the injury was 4 root canals, 4 caps, and 4 crowns. Some of the root canal work had to be done by a specialist. It took 5 months to complete all of the work on his teeth. After 1 year 9 months and $16000 worth of medical expenses, United Health Care has paid nothing. They have denied responsibility for the claim and said we did not claim within the window of time that was required. I have filed numerous appeals, but all without success. I believe his patient rights have been violated and I believe that United Health Care is bound by law not to deny emergency health care insurance claims from an accident.

After being on Tamoxifen for 4 years my doc switched me to Aromisin. I went to get my script filled for usual 3 month supply and was told cost was 360+, for 1 month. I almost had a heart attack right then and there! No help at all from United Healthcare to pay for these necessary pills. I know others on this that pay zero out of pocket. I have since gone on line and now am forced to purchase my prescription drug for breast cancer treatment from Europe online. Ridiculous!

I went for a routine physical and I received a bill in the mail for cholesterol testing. I called UHC to check what that was about, since physicals are covered at 100%. The rep advised me that from this year, cholesterol testing will only be covered if the doctor suspects that there is a health problem. This is a chicken before the egg situation, since a problem can surface only after the test is performed. Anyway, I asked to speak to the supervisor and she said that a sup will call me back within 72 hours. When I did not get any callback, I called back and was told that a vmail was left. Clearly, they were lying since I would have known if my phone had recorded a vmail. The next rep that I spoke to said that cholesterol testing was covered but argued that UHC was not covering since the medical facility coded it incorrectly.

I'm a member of the Navy reserve and get insurance for me and my family through Tricare. The military recently contracted with UHC to administer their Tricare. Ever since UHC took over we have had nothing but problems. They cancelled our insurance stating we never paid our premiums. Turns out that when UHC took over they never continued our electronic funds transfer to cover the insurance. Okay, it was part my bad for not staying on top of my sank account to make sure they were taking the money but it was never an issue before these clowns took over. So then UHC said we could submit an application for reinstatement. I submitted the application and then was told it would take "5-10 business days" for them to process.

I had some blood taken and some basic lab work done back in December of 2012. For the last 7 months I have been sending in the same forms to United Health Care because they keep "asking for more information". They keep asking me if I have had insurance with a previous employer and I say no and mail the form in. Then I get letters from my doctor saying my claim is denied and I owe money because UHC won't process it. I resubmit the claim, get the forms in the mail again and once again denied because they say they never got the forms. The process repeats again.

Now, my doctors are taking me off all that kept me free from hospitalization for seven years! My young sons are special needs, their father abusive, and they depend on me. I cannot go through this again. I attempted to follow my doctor's cuts and was in horrible shape. This so-called medical director whom the insurance cannot find also said I was on narcotics!!!!

My mother-in-law had a massive stroke in April. She was in a coma for a couple of weeks because of it. Her horrendous employer decided to drop her insurance and put her on COBRA (without letting us know ahead of time). On the day we needed to move her to a rehab home, we were informed that my mother-in-law had no health insurance. It had been dropped and we needed to file for emergency COBRA so she could not be moved to where she needed to go to fulfill her needs to get physical therapy and trach care. My husband was on the phone for hours with United Healthcare to file for emergency COBRA (we later learned that there is a 60-day grace period and it was illegal for the insurance to stop).

I was treated at the ER of Sound Shore Hospital, New Rochelle NY. I was in extreme pain and my finger was swollen and throbbing. I went to ER seeking medical help and was x-rayed, given a tetanus shot and the physician who was there on duty, ER physician, informed me he was going to open the infection in an effort to relieve the pressure, thus reducing the swelling. This procedure was performed. I was given prescriptions for pain pills and antibiotics. All information pertaining to my health insurance was given at the desk and I was assured all was fully covered.

In January 2013, United Healthcare acting through contracts with Medicare and AARP/Complete made a decision not to allow patients to see out of network providers. This decision has had a negative impact on many patients that are being told they cannot see doctors they may have been seeing for many years causing these elderly individuals great distress. It is especially difficult when this involves a specialist like myself, a psychiatrist. It is very difficult for patients to change doctors but is even worse when this is a psychiatrist with whom you have established a therapeutic alliance. This is very unfair and is causing great distress to these members.

They cancelled my wife's health coverage for failure to give my bank account information. After the latest IRS scandals, my latest dealings with the VA, the VA asking for details about my bank accounts, rampant spending, rogue government spying and sharing information, I'm not about to give bank account withdrawal authorization to anyone in government at this time. My ability to trust them at this point is very limited after what I have been through. If that is what it takes as a condition to be enrolled, I am willing to look for alternatives for insurance and my wife's future medical treatments if necessary.

I have very bad knees and have needed to have both replaced for many years. I have waited until I can no longer stand the pain and am almost unable to walk. UHC wants information and procedure codes and once they get them, the facility doing the MRI is told the doctor, already very busy, has to contact UHC to request the procedure. After the MRI is finished, UHC takes 3 to 4 weeks to give the surgery the go ahead.

United Healthcare for Veteran is demanding my bank account information so they can make automated Electronic Fund Transfers (EFT's) from my bank account. I told them I'm willing to push funds to them but I will not allow them to pull funds from me. This is a violation of my banking account rights. I reserve the right to manage my payees. My wife is being treated for cancer. She had an appointment scheduled for June 24, 2013. Without my notification, they cancelled my policy interrupting my wife's treatments, but they gladly took my online bank payment on June 20. This is going to be a $$$$$ lawsuit for failure to provide services after payment was made. They are looking at an $800,000 punitive lawsuit because of the interruption of coverage. What right do they have to terminate my wife's coverage without notifying me in time? They will reinstate the policy or the lawsuit will go to $5 million.

UHC gets your money then doesn't pay on claims. File a complaint against UHC to your State Board of Insurance, Better Business Bureau and Attorney General. If you know an attorney that will write them a letter, do it. UHC keeps changing my insurance to Medicare as my PRIMARY, and I tell them I DON’T HAVE Medicare, and they REFUSE to listen. They change it every 3 months like clockwork. I filed a complaint with the State because they are actually breaking the law. I will get my own insurance next time, and not depend on my job. They want your money and don't give service. It is legalized, you know what! Good luck!

The problem with UHC is that they are literally above the law. They are not governed at the state or federal level. ERISA has no control over them and the Texas (or any other state) Department of Insurance has no control over them. So who do they need to be accountable to? No one. When you put this much power in one person or corporation's hands, it is at risk for being abused, and UHC has abused it to its full potential. Our OB/GYN practice has increased its workload considerably since the state has dumped Blue Cross and taken on UHC (due to their dirt-cheap rates) as their insurance provider. It is taking several months to get claims paid and we are having to fight for every dollar we get... which is less than Medicare reimbursement. UHC has been in several lawsuits and fined large amounts. The problem is, they pay their fine and continue doing what they've always done. It is cheaper for them to pay the fine than to pay legitimate clean claims and offer a "fair" fee schedule.

My wife had a colonoscopy performed on 1/08/2013. United Healthcare just handles our company's claims. Our guidelines pay 100 percent for one colonoscopy per year no matter what kind it is. Yet they have no competent people that understand this. They've been contacted numerous times about this and can't get it straight. Now I have received a letter from a collection agency over this matter. If there are any lawyers out there that want to help me sue, I welcome you.

My daughter had to go to a specialist. The specialist told me they take United Health Care. I called my daughter's primary Care Physician where I talked to the lady who does referrals. She said she had gotten the approval and my husband picked up. I took my daughter to the specialist and paid my co-pay. Now 1 month later, I get a claim saying that I owe over $248 to the specialist because United Health Care denied my claim saying that my referral was no good and the doctor was out of network. I haven't dealt with them yet but Monday, I will call the pediatrician and talk to the referral lady and see if she can get down to the bottom of things. I'm not looking forward to dealing with United Health Care because I've heard horrible things.

Our second appeal to United Healthcare was upheld and UHC will not cover GH after they reach their limit of $10,000. Our appeal to United Healthcare was for our 10-year-old daughter. She was diagnosed with Turner Syndrome. Turner Syndrome affects about 1 in every 2500 females and is a genetic disorder that affects a girl's development. Girls who have this are at risk for health difficulties such as high blood pressure, kidney problems, diabetes, cataracts, hormone deficiency, infertility, osteoporosis and thyroid problems. She was diagnosed with a growth hormone deficiency due to Turner syndrome.

UHC is all about the money/claims... We were only allowed 450 seconds to get the member off the phone. How can you properly help someone in that amount of time? You can't and it's made clear if your talk time isn't at goal, you will be terminated... I worked for them as a customer service rep. We, as agents, have no more info than you, the patient. I highly advise you try another company. I would never allow my loved one to have insurance with this company due to the lack of competency of the agents as well as supervisors. Also, be sure to read ALL fine print. And grievances generally stay within the center you call in to. Good luck, UHC members.

I am a billing manager for a private group practice with 8 providers. We provide OB/GYN care. I can honestly say that half the issues I deal with on a daily basis have to do with United Healthcare! The newest issue is that they are denying payment on basic lab work for yearly exams. United Healthcare is the only insurance company that we work with that does not even cover a CMP or CBC. When the patients call the UHC reps about this, they are being told to call the doctor's office and have them change the code, which is not legal! I have been told for over the past 3 years by a UHC bigwig that they are bringing their customer service back to the USA but that has never happened either. Trying to resolve an issue with someone who can barely speak English is impossible!

I had BCBS before and company my husband works for sold and we have UHC insurance. More expensive, more co-pays, more headaches. I'm trying to get my daughter's birth control prescription filled. They needed pre-authorized orders. Doctor sent them and they denied them. Yes, they denied a certain kind of birth control. We were going to have to pay $125 for them and they pay $100 for three-month supply. I have a prescription I get in 90-day fills. Well, they approved 34 pills. What the crap. I am so angry. Where do I go to complain about this company!?

I do medical billing for several MDs, and the sheer amount of fraud United and its subdivisions commit is incredible. I have thousands of claims processed incorrectly. United and its reps ignore complaints. They use unqualified people to review claims. Even the supervisors of the review dept told me he had no clinical experience and knew nothing about coding. I even have identical claims for identical twins with identical notes processed differently. This company was fined by NY $350 million, but continues to commit fraud (there is no other word for it). This company is too big and needs to be broken up and Optum Insight (aka Ingenix) needs to be put out of business. $350 million wasn’t enough - they needed $350 billion. There needs to be a massive class action against them from the AGs and the consumers. United needs to disappear. There can be no healthcare reform if United continues to flaunt the law.

I am a mental health provider and have dealt with many health insurance companies. Though there are many frustrations dealing with most health insurance companies, in the end, nearly all finally pay legitimate claims. Not UHC. I have submitted claims for the same services for one member over and over again. I have written to UCH regarding these claims on three separate occasions over the space of nearly 1 year. They have never addressed, acknowledged nor responded to any of these letters. When they request additional information on the claim, I provide the additional information but the claim still gets denied as "already having been processed" (yes, you denied it and requested I resubmit more information. Of course, you've processed it already. You all are the ones who required it be reprocessed).

This has to be the dumbest and worst insurance company out there. How the hell do they stay in business? I made a call regarding a claim that was processed incorrectly, and called the phone # on the remit. After being transferred 4 times, and giving provider id info as well as the patient’s id # straight off the remit, I was still sent to the wrong department. Why is it always this way with UHC? Then I get routed to a call center in India and cannot even understand the ** that picked up the call. Ridiculous! UHC sucks!

On 4/10/2013, I went to a regular OB/Gyn for my first doctor's appointment for pregnancy. Due some complications with my first and second child, my doctor suggested I go see a specialist. On the 10th, my OB faxed over a referral to the specialist of my choice that was in my network. On the 11th, I called UHC to speak to a rep to make sure the doctor had done their end of the paperwork. I was told by the UHC rep that nothing had been faxed over and to call the doctor's office.

From February 2012 - February 2013, I was a full-time employee at United Behavioral Health, which is a part of United Health Care and which is all owned by the parent company Optum. During that time, I paid for dental and medical insurance for me, my husband and two daughters through my employer (at the time) United Healthcare. My husband also had (at the time and still does) Delta Dental through his employer (with my dental and medical being the primary).

In March, I spoke with a rep and they said that they saw my son's claim but that because it was old (2008), they needed help researching it so it could be processed. I called back to check on how it was going and when we would get reimbursed and they said they had no record of a claim. What happened between March and April? How did they lose my claim and why won't they help me resolve this? My husband and I have been jointly trying to get our claim processed since 2008!

I called to find an urgent care center I could go to. I got the name, etc., good. I had looked at the website and was totally confused about extra charges. So I asked him what if they take an x-ray or something. And he said, "Your $75.00 copay covers whatever they do at the urgent care visit." So I went. I paid my $75.00 and now have a bill for an additional $112. Not a lot of money for some, but the fact is I was lied to, again. This has happened before. I was told my cost for an MRI would be $300 and got a bill for $1,200. They said it was because I didn't go to an 'approved' place, but I did go to the place I was told to go to by the rep. Maybe they get a kickback?

I have had numerous problems with United Health. They fall into these categories: uninformed clerks and supervisors responding to my questions; an inadequate website, lacking basic information on providers and how to file claims and presenting wrong information (showing that I had not chosen a PCP, though a United Health clerk told me the PCP showed in her computer); inadequate ways of reaching United Health for information, including no email form online and limited hours when a phone call is answered (8am-8pm in the place the call originates); and clerks failing to follow through on promised material (provider list).

On January 17, I had a mammogram. From there, one of my implants ended in rupture. I have talked to my Insurance the last 2 months about this matter and they haven't resolved anything.

I agree with all of you. United is the worst health insurance company I have ever had to deal with. I had Blue Cross Blue Shield, which I was very happy with. In January of this year, my company switched to United Health Care. They have made me livid in the short time I've been stuck with them. Let me save you a lot of time, money and frustration. Do not get involved with United even if they seem the cheapest. They run you around in circles, lie and do everything possible to not pay valid claims (I guess that's how they save money). They are inept and unethical. Warning, thus is a long post!

After months of fighting, I was pre-approved by UHC for a medical device that was not fitted by a doctor. I explained to UHC that my provider was experienced in the procedure and wanted to make 100% sure that this would be covered under the approval. They said it didn't matter who fulfilled and that I could file the claim myself. I paid the bill in full at the time of service but cannot get the claim filed. Every time I send it in, they reject it (three times now). I had faxed the confirmation twice that it was sent but they cannot find it. I finally lost patience and asked to speak to a supervisor. I was told that "everyone is busy" and they would try to call me back within 24 hours. I am now filing a complaint with the broker and with HR. No one there wants to take responsibility. I can't imagine how much worse Obamacare is going to make this. We're all screwed.

This is the worst insurance company ever. I am being treated for cervical cancer and have undergone harsh chemo and lost all of my hair. This insurance company is making the process unbearable. They are unorganized; they are not returning calls and their supervisor provides the explanation that the reason they haven't called back in over a week is they are busy with other priorities. In the mean time, my doctor's office is refusing to treat me due to non-payment from UHC. UHC cannot verify what additional information is needed. They simply repeat that they will check into it and call back, but they never do. This is putting my health and life in danger and causing a great deal of unnecessary stress. They are very unprofessional, unsympathetic and the worst insurance company I have ever had the pleasure of dealing with.

Doctor prescribed contacts. They did not work out so he refunded and gave a prescription for eyeglasses. United Healthcare will now not pay for glasses, even though contacts were refunded.

We signed up for United Healthcare for the first time this year. I called Member Services to select a primary care physician for her while she is away at school in a different state as well as set-up a primary physician for her when she is home on break. They said they would have to get their supervisor to select the doctor out of state and call me back. I did not get a call back but received a new card for her with a doctor we never heard of in our state. I called them back, explained the situation again and was told we could not have a primary in her school state and her home state.

Ok, to start, I went to see one of their doctors. Before I even saw the doctor, I had to come into their office three times and I still didn’t see a doctor. The second doctor would not refer me to see a specialist who was not a Welmed associate and cancelled my appointment to the specialist, because he wasn’t a part of Welmed. He didn’t even tell me he cancelled it. The third doctor said he was not through Welmed but tried to refer another doctor that was not through welmed; he denied it.

The State of Oregon gave a lot of us this type of care in 1997 and I have been on it from the beginning. Over the years, most of my bills are sent to collection department and my credit went from 840 to 500 now. My problem is they won't pay for any meds I need or anything other than my CO2 tank. I was like pulling teeth for them to pay for that. I'm disabled not by choice and due to my need, my body mass is getting larger and larger. Diets don't work. I don't go to fastfood or binge eating. I got hurt and worker comp never paid for my care because of me not being the main colors here in Oregon. I haven't used this much. I went to a free clinic and I find the care there is better. I had a doctor for 8 years cancel all people who were not able to pay, so once again I have a new doctor.

I moved from California to New Mexico and I have had United Health Care (UHC) for six years. To establish new primary care physician, I went to a local doctor and she ordered lab work. UHC denied the claim since "I did not go to emergency room or to an Urgent Care provider." We must pay the full amount rather than the negotiated rate paid by UHC. The office visit was $85 instead of $25 and the lab was $150 instead of $75. I was on the phone for over three hours, was transferred seven times, and finally talked to a rep who told me I was "just bring rude." When I asked to speak to a supervisor, I was placed on hold for 10 minutes.

My employer and I paid UHC $10,168.20 in premiums for 2012. My medical expenses charges were $6,822.25, which United Healthcare allowed $3,499.54. For the year, they paid only $374.74 and I am responsible for $3049.80 since they added a large yearly deductible of $3,000. They made a profit of $9,793.46 off of me alone for 2012. This is criminal in my book and they should be sued. But because our government is paid off by UHC by means of lobbyists and paying senators, they get away with it.

My employer recently switched from Blue Cross to UHC because UHC's plan had lower premiums. On paper, the Blue Cross and the UHC plans look identical. The problems developed when filing claims with UHC. Things as simple as a prescription medication that I have been using for 5 years now require pre-approval. I have gone a week without my prescription. My calls to the UHC customer service representatives yield nothing but double-talk. They look for ways to micromanage your healthcare (without having met) and then they do everything they legally can to not pay a valid claim in a timely manner. This company should not be in business.

United Healthcare raised my daughter's chemotherapy copay from $30 to $660, a 2200% increase, starting January 2013 without warning. They say they sent a formulary book, but she never got it. She is in the middle of chemotherapy treatment for a brain tumor, and they have all but priced her out of the market to survive. We now must raise money to purchase her medicine, even though she pays her monthly premium to United Healthcare, without fail. It is hard to believe that anyone with a conscience would do this. I have spent hours on the phone with one representative after another, and I am given a different story every time. They are a heartless company, and I can't say enough bad about them. Terrible!

I went to the emergency room on November 6, 2012 with sudden onset bleeding, which resolved. I have had rectal bleeding once in the past with diverticulosis and was told by my physician I had to go to the hospital if it happened again. I was not sure on November 6 about the cause of the bleeding, but I went to the ER. The outcome was I was stable and was released with orders to follow up with my regular physician to determine the cause of blood found in both urine and stool. At the end of December, I received a notice from United Health that I would receive a bill for $1,600 plus from the hospital but that if I had COBRA, etc., the bill might be covered by my policy.

United Healthcare with Medco, their pharmaceutical partner, have denied my doctor's orders for a prescription that has no generic. They refuse to give medical data behind the reason for the denial. This company is simply greedy.

UHC refuses to pay claims until they receive information that my son's health care professional refuses to give, claiming he's forbidden to divulge it under state law. Although we faxed and mailed an appeal to the proper number and address, and although the frontline rep said something indicating the receipt of the document, he could not depart from his script to explain. Supervisor has yet to return my call. The company gives every impression of cynically pursuing a strategy of delay until the claimant gives up and goes away. I've devoted many hours over several months in this claim and appeal process and expect to waste many more before this is done.

I cancelled my 2013 enrollment to ARRP MedicareRx and received a letter of confirmation on 11-9-2012 from the ARRP MedicareRX - United Health Care of my dis-enrollment. Yesterday, they took the January payment of $41.90 from my checking account. I tried calling their customer service and was on hold for over 5-1/2 hours. My sister tried calling them and was on hold for two hours and unable to reach anyone! I signed up for Humana's plan which is much less expensive but I'm now having to pay for two plans which is not legal. I was told signing up for the Humana plan will automatically cancel the ARRP plan. I have tried calling customer service more than once. I filed a complaint with my state's insurance commissioner this morning and also called the Medicare fraud line to complain. You should not endorse a plan with such lousy service!

I am a healthcare provider. I've had numerous terrible experiences trying to get paid by United. Their business model is to develop new and diabolical ways to cheat providers and consumers out of their rightful benefits. For instance, most of the year, I was not "in-network". A patient I saw paid an $800 deductible. I was subsequently admitted to their in-network panel, which I joined even though I am paid at a much reduced rate, in order to make it more affordable for my patients who have United. They then refused to pay claims on this insured because he had not met his "in-network" deductible of $400! So instead of his benefiting from my enrollment, he was on the hook for another $400, which of course I could not charge in good conscience. Unfortunately, United has no conscience so I am stuck with no payment for services.

Misled on approval - They said I was approved for the hospital outpatient surgery. I was not. They even gave me a reference number for approval. I had to cancel the surgery. Please someone, take this company down. Get rid of them.

I have been with UHC through my company while I was working and am now under my wife's policy with the same company since I retired. I recently received a letter from UHC stating they were working with my provider Bay Health Care System on a contract, but there may be a chance that an agreement will not be reached. This statement is not true; they have not been negotiating with them and have not since October 24, 2012. I decided to look this up and found out UHC is not paying their bills and owe $11,000,000.00 and refused to pay reasonable and customary charges. This not only affects myself but about 400,000 people in the Tampa Bay area.

I cannot find a urologist in Madison, Wisconsin (the second largest city in the state with population of about 250,000) that is in the United Health Care plan! I called customer service and spoke with Dawn. She was polite and also very surprised her search also came up empty! Closest in plan urologist is 20 miles away in a city with a population under 2000! How can this be with over 50 urologists in Madison?!

As a result of the misinformation, my insurance premiums will be going up more than expected. I was told by a UHC employee on the phone named Debra or Deborah that I and my husband had 100 points and we had turned in all the information for the wellness program. Now, during open enrollment, I am finding out that they say we did not have all the necessary information turned in and I do not qualify for the HMO wellness program. I called in July and no one can find a record of where I called. I called 800-886-1639 to make sure I had everything turned. Because of some incompetent person, I will be paying more for insurance premiums. I am paying for someone else’s wrong information!

I was approved for a dental procedure twice by United Healthcare. My doctor's business manager and I reviewed the coverage requirements, which was 50% by UHC and 50% by me. The business manager contacted them to verify that the coverage would cover the implant and replace a missing tooth. They confirmed the procedure was covered. After I had the procedure, they rejected the Claim and refused to pay stating "Not needed". The doctor said this was the first she ever got that from an insurance company for a procedure that was covered by their insurance.

I am on a fixed, small monthly pension. United Health Care notified me that they are increasing my monthly premium by almost $100 beginning January 2013, putting my premium to around $490 a month. This is $100 less that I will have to buy clothing and food, but they don't care about that; they just want to make sure they get their money. Can't anything be done to control these ridiculously large increases by insurance companies? They should have to take into account the individuals' monthly income.

My policy has a $1,000.00 deductible on tests performed in a hospital. Stupid enough by itself, but on top of that, I called the company to ask where I could get a blood test and chest X-ray done without incurring the deductible. They directed me to the local hospital. When I explained that I had gone there for blood work a couple weeks earlier and it was subject to the deductible, they searched again and found that there is no facility where I could get both done. So, they directed me to a lab 20 minutes away for the blood work, then to a building across the street from the local hospital for the chest X-ray. I had the tests done, and was promptly charged for them because I had not met the deductible. What kind of crap is that when even they can't keep it straight? I appealed and was denied. It's just not right when they direct you to the wrong facility and you have to pay for it! I'm paying nearly a thousand dollars a month for the world's worst health insurance. Avoid United Health Care at all costs!

United Healthcare is the worst healthcare insurance I have ever had. You have to jump through hoops to speak to a representative. They have so many restrictions on the medications that cover you; you can't get the amount or dosage that your doctor has prescribed. I take medication for pain and another for migraine. I don't think they should be able to dictate how much prescription a patient is allowed to take. The company that I work for changed to United on 7/1/12 and it took them 3 months to get the deductible transferred from my Anthem account, so I had to pay out of pocket for everything until they figured it out. They eventually refunded some of it, but I still don't think the amount is correct. Try arguing with them, that's a dead-end street.

I am a patient that had a fusion of the spine. My doctor ordered the Fentanyl patch and I went to my pharmacy on October 5 to fill it. The insurance declined saying they recommend another type of treatment first and needed authorization. My doctor sent over request on October 8 for 200ml of morphine sulfate. I spoke to 2 different people who claimed there is no authorization found. A request for a supervisor to help with the situation was denied. It's amazing how unorganized and unhelpful the people employed to help are. So careless. I will also be filing a complaint with the state medical board and the governor's office. This is nothing less than vicious. Maybe someone should oversee these individuals that are causing more grief in one's life than help.

The agent and broker misrepresented my policy. I was told my policy was 80/20. I paid 20% of cost for care. I have had a lump in my breast, and the fee will be $5,000 deductible. And the Rx coverage was capped. This is not what the agent told me. I now have a hernia, and I can't get help and fear I could end up with a perforated bowel which is life-threatening. The agent is no longer with the broker, and the broker is no longer there either. They are missing in action. No one will do the right thing and fix the policy, so I can't have any care.

Several months ago, my doctor informed me that Singular would be coming out with a generic brand. As a result, I should be able to save some money. Around the first of August, when I went to my pharmacy to refill my Singular/generic prescription, my copay was $20.00 - a tier 1 medication via United Healthcare. I was able to save $30.00. Normally, without the generic, my copay would have been $50.00. My dilemma, this month (September) I once again went to refill my Singular/generic prescription and was informed by my pharmacy that the copay would be $50.00. I was certain a mistake had been made because last month my copay was only $20.00 via United Healthcare.

I work in the billing office of a behavioral health agency and UHC is constantly paying for services and then taking the payments back. When you call to get clarification, you get switched around to several personnel and sometimes their system will disconnect. It is very frustrating. They technically give you 45 days (in writing) to appeal, but they always send our agency collection letters way before the appeal process is completed. They have, in error, withheld disputed amounts from other payments that they owe for services provided to other clients. We have urged our patients who have UHC to file a complaint with the insurance commissioner of Ohio.

I had an Emergency Room visit with WakeMed Hospital one night in January of 2012. I had serious vomiting and was dizzy (couldn't stand and walk) and the doctor requested a CT exam. According to my insurance plan, the insurance should cover 80% (($3,647 on UMR_Med_policy, page 4), But UMR sent me an EOB Notice on 3/29/2012 which stated UMR covering 70% of the cost. That is, UMR covered 10% ($456) less. I called UMR 6 times in April and May 2012, but UMR kept lying and did not change to the 80% coverage.

I applied for United Health Care plan for my kids. I went through too much paperwork till I finally was able to get them approved. United Health Care sent me an invoice for three months in advance. I did not have that much money to pay in advance. United Health Care went a head and terminated me for non-payment. They refused to reactivate me without going through the same pain in the neck process.

We refilled a routine medication prescription through United Healthcare's mail order service (Medco) last week. The mail order filling process fills the prescription for 90 days. We noticed after filling that our co-pay was $50 higher than when we filled the same prescription in February. At first, we thought it was just one of those maddening hikes in costs. In checking on their website on pricing of the medication, the results indicated the same cost that we paid in Feb. However, when we contacted UHC/Medco customer service, they at first could not explain the higher co-pay.

I requested and received prescription for ** from my personal physician on or around May 1, 2012. I went to pick it up at my local CVS pharmacy and was told the price was around $300. I didn't realize my physician had written the prescription for the 20mg dose. I can't afford to pay $300 for a prescription. I declined the prescription and asked for a free sample from my physician and in addition to it, I received a coupon for a 30-day free trial of the 2.5mg or 5mg. I asked for the 5mg. I believe it is considered a normal daily dose and my thinking was that United Healthcare wouldn't have a problem with the dosage. On June 26, 2012, I got a prescription for 30 5mg **. I went to my local CVS pharmacy to pick it up and was informed that United Healthcare had rejected the prescription.

The layers of people I can speak with and the declination, I think, is underhanded that whomever is writing these declines for necessary correction of loss of the visual field does not call me directly. The insurance company does not notify me promptly. I got the runaround in the phone tree at 1-800-624-8822. I ended up with the advice nurse and she was not electronically connected to the insurance company she was employed by. I feel these are tactics to not give me a live person to speak to, the standard brush off, and just call back tomorrow. Please call me at **. Thank you for your attention to this matter.

I am not certain if this is the proper entity that I am supposed to be expressing my concerns and complaints to; but I will appreciate if this email can be forwarded to the proper place it needs to be. I am an active client of UHC AmeriChoice program. I signed on for your program through Medicaid as a manage care plan. I was told I had to choose a plan in order to qualify for Medicaid. I chose your plan on May 18, 2012. I was later informed that the coverage would not be active until June 1, 2012. I found out my insurance was deactivated because I needed my blood pressure prescription (Diovan) refilled. I proceeded to the doctor on June 4, 2012.

They don't pay anyone; they just take your money. I pay $300 a month to them for nothing. I don't even think they have paid the hospital bills, and I keep having to make co-pays. It is just a problem, and I am only one person that they are taking money from and not fulfilling their part. I want to file a class action lawsuit!

AARP UHC sent me to prescriptionsolutuions.com to get my meds. They never had any medicine for me and tied me up for hours on the phone, never answering my questions or getting me my RX filled. They don’t have any, but they never told me ever until after I mailed them the RX. Then they wouldn’t send it to another pharmacy. They tied me up for a month. I ran out of medicine. I am cancelling my Medicare through AARP UHC as soon as I can. UHC told me too bad that they can’t do anything to help me now.

My wife is 7 months pregnant. She found out last week that she has gestational diabetes. The doctors prescribed her a meter and test strips and sent her to a class to show her how to eat to help control her diabetes. The doctors want her to test herself 4 times a day, once when she wakes up and then 2 hours after every major meal. The prescription was for 120 test strips with 4 refills.

We have had excellent insurance coverage with United through my husband's company for many years, including the past 2 years of cancer surgeries and treatments. We paid our co-pays and that was that. In Oct 2011, he collapsed and for the first time ever, we called 911. EMS came and tried to revive him, took him to the ER where they worked on him for many hours, but was eventually proclaimed dead later that evening. It is 6 months later and I have just received a bill from the EMS service asking me to pay a balance of $1,400 of a $2,800 bill. United paid half and when I called United to question their payment, they said it was because the EMS was out of network.

I work in UHC Operations. Many of the difficulties members have with insurance companies on a whole, is they do not know how their policies work. Deductibles and out-of-pocket expenses are not unique to United Health Care. These amounts must be met before any payments will be issued to providers. These amounts can vary between a few hundred dollars to several thousands. They are determined by how much you pay each month in premiums. If a lower ded and oop are desired, then one must pay a higher premium. Your auto insurance works the same way. Education is key when it comes to managing your health care. Take the time to review your policies and if you have any questions, call the telephone # on the back of your card to get in touch with one of our member services representatives.

Two years ago, I sustained a concussion. I went to an emergency room, because I felt dizzy. I went through routine tests. I paid a $50 co-pay. I thought that was it. Less than a month later, I got a bill for $1000. They stated I had a $600 deductible, and they would not pay the full bill until the deductible was met. I refused to pay all of this bill. We pay several hundred dollars a month in payments and co-pays, and still, they will not cover only a few medical visits a year.

If one visits the Price a Medication section of the UHC site, one purportedly learns the the members' cost and the total cost of the medication. I have one very expensive medication (priced at the site is $890 for two month supply) and I had one refill. I re-ordered the prescription and now the cost is $969.39 with the explanation that prices fluctuates. Why even have a Price a Medication section if it is not accurate? I expected to pay one price but I am charged another. Even then, UHC must call to authorize the order because it is over the limit of $500. All this does is further delay the order. I am checking with the manufacturer to determine what the true cost is to UHC and will escalate this matter then.

W-9 written requests from UHC with address to mail and fax W-9 to. When we use both, they are returned. It becomes a vicious circle of making half of dozen phone calls to different parts of the country to get the W-9 to the correct location so we can get a claim paid. It should have been paid in 30 days but it will end up being 3-4 months before we can track down where to mail the W-9 since the information in their correspondence is incorrect. On multiple occasions this occurs.

I rely on my insurance company to better understand my insurance than myself. So when a bill is paid, I don't expect them to "take it back". I had several medical bills that they paid, then after reviewing them, decided that they had paid them incorrectly. While the bills are now "right" according to my insurance, that doesn't matter, it should be done correctly the first time. Now I am left with many bills that I did not expect because they had initially (six months ago) been paid. Such horrible ethics for a company. If they made a mistake, they should not expect me to pay for it.

I have AARP which works with United Health Care. I have never written an online complaint before until today and I am doing it because I don’t want other people to have to go through the same experience that I did with United Healthcare. I was on the phone for 2-1/2 hours trying to get some help. The first 2 people I spoke with said that I do not have coverage with them. Actually, the first man said that I did, and then a minute later said that I didn’t. When I asked which it was, he just kept mumbling. I told him a few times I couldn’t hear or understand him and to please speak up, but he wouldn’t. I called back and after going through a lot of prompts, I spoke with another customer service representative and explained that I called AARP and they said that I have coverage with United Healthcare and they are affiliated with each other. However, that representative I spoke with the second time at United Healthcare also told me that I do not have coverage with United Healthcare.

I am being forced to either join a mail order Rx program or the prices are being jacked up at my regular pharmacy. I am a single mother that barely survives paycheck to paycheck. I don't have money in my account to be able to have an Rx program automatically withdraw money from my account. Sometimes, I have to go without my Rx for a week because I have no money in my account. I see how it may be cheaper in the long run, but I just don't have the funds. My one Rx I picked up yesterday went from $10 to $33 and I'm being told that my daughter’s medication that she takes daily will go from $25 to $160 something. That is utterly ridiculous. I pay a lot of money every week out of my paycheck for insurance.

I started working for a small, non-profit college in June of 2011. When they told me that I would have coverage through United Health Care, I was elated. I had gone through United Health Care before and never had any issues with them. I am a type- 1 diabetic who had no health insurance coverage for almost 6 months before I started working full-time. Prior to this, I had been working 2 part-time jobs, none of which had benefits and even with that, I could not afford to pay $265.00 for the NovoLog flex pens and $250.00 for the Levemir flex pens. For a very long time, I had been going to my doctors' office to get samples of NovoLog and Levemir. I figured since I had health insurance now, I could begin going back to the pharmacist to get my medicine and I wouldn't have to worry about any issues pertaining to paying for them. I waited 30 days for my benefits to kick in and could not wait to fill my prescription for Levemir and NovoLog insulin. However, I was going to have to jump through plenty of hoops for a very long time to get help.

I have a concern about the right of consumer. Every consumer has right to give their feedback about the company. How will you feel, when you come to know that your doctors are not happy with your customer service that was delivered by representative in India? Doctors take survey to give their feedback about the service provided by agent and the company but they are not able to connect to survey because survey calls are deactivated when the floor manager realize that customer is not happy and their team is going to get low scores or below 80%. If you don't trust my words, just go for survey. Call for any old claim which has multiple processing or if the amount is withdrawn.or not paid at all, your call will be put on hold for sometime and you will not be able to give feedback at end of the call. Please take very strict action about this. If you really want United Healthcare's goodwill to be improved in America, first do an investigation about my complain then contact me. I will let you know how these malpractices works if you want to retain your customers for long time.

I filed an incorrectly signed form on 10/24/11, so the $437.50 payment would have gone to my provider instead of to me. I refiled immediately on 10/25/11, with a note indicating the error. My provider had received and returned to United Health Care the $437.50 payment by my follow up visit on 11/7/11. Please note that United Health Care had by then, received the claim, processed it, and put this check in my provider's hands, who returned it to them in less than 11 business days. United Health Care issued a second check incorrectly to the provider on 12/2/11. That is to say, having received my correct forms shortly after 10/25/11, and my provider's returned check shortly after 11/7/11, they made the same error, requiring 26 business days to do so. The provider returned this check as well.

I am looking for retirement insurance and when I called, they asked me for an ID#. I told them I don't have one. I was looking for information and then she asked for my Social Security #. My SS #? Forget it. I don't give this number just to receive information about the insurance for retirement people. The customer service is bad so I changed my mind already after I have read all the bad comments and my welcome to them. Good luck because there is a lot companies with better service.

The insurance company is charging co-payment for generic Lipitor, same as brand name. When I complained about it, I was given a lame excuse of their being the only one generic supplier, and as such, they have to charge more.

I wanted to add another family member (my wife) on to my dental plan. I called and was told that she'd need to fill out an application. OK, fine by me, no problem. Here's the kicker: it will take 7 to 10 days for them to send me the application! What? No email? No, privacy issues. What's the privacy issue related to sending someone a blank sheet of paper? It's just an application!

UHC mentions 100% on preventive maintenance but when I went for my annual physical, which the doctor draw blood to check for trigl and cholesterol, they decided that the lab work for cholesterol (lipid) wasn't covered under the 100% preventive maintenance. Only the doctor hearing my heart, touching in my private parts and body but lab work is not covered as preventive, which makes no sense. You have to draw blood and check for possible diseases. According to them, that was changed due to the Health Care Reform law. What a bunch of crap!

UHC failed to provide an EOB in a timely manner. Their performance on the claim is abysmal. They applied tricks to the system to make the claim seem in play when they had no idea what was going on with the international claim. It is still an issue in progress. I actually had a business manager hang the phone up on me. I was irate and unprofessional but I would have thought they would have had better on their side of the line.

The main problem is getting them to pay legitimate claims, and fill mail-order prescriptions properly. As of this writing, they have omitted 6 claims from the December claim summary, that were out-of-pocket claims throughout the year, that were submitted by me and applied to the deductible, totaling $732.14. This changed the total amount of the end-of-year deductible, to be less than it should be. Therefore, I was charged extra for prescriptions that should have been covered 100%.

I work for a non-profit organization. We have a contract for speech therapy (92507) through Optum Health for United Healthcare; however, we also provide audiology services. We bill audio claims for out-of-network benefits to UHC. UHC processes those claims as speech therapy claims paying the allowed amount for speech therapy. When I called UHC and spoke to a claims rep, I was told that the claim processed per our fee schedule.

They without warning stopped paying for a life saving medication that I have been on for 6 years to control my excessive blood clotting disorder. After spending over 5 hours on the phone with them trying to get my prescription filled temporarily while I wait to get it for their "approved vendor", I was told that they would not give the temporary override so that I could get the medication that I need to live and someone will call me later to see if it would be approved. They gave me the run around for over 5 hours to still leave me without the medication instead of just giving the override even though I explained to them that it could cost me my life.

In summer of 2010 I took a temporary job which provided me with access to United Health care benefits from August 2010 through December 2010 through COBRA (the temp company contracted with another company thereafter for insurance, which I still have). Fall of 2010 through present, I have been disabled with Chronic Regional Pain Syndrome, CRPS. I have been essentially bedridden in pain requiring neurological block procedures and high doses of narcotics. I have relied on family to help care for me and my young daughter. My family and I had not been able to make heads or tails of the plentiful medical reports that have poured in, until now.

I have called UHC customer service multiple times over the past 1.5 years to get a copy of my bill (that I mailed in to UHC) with no luck. When asked for a reason on why I can't get a copy of my bill, they have answers ranging from security issues, policy issues, no bill available and everything else the agent can think of on that day. I feel cheated because the company will have to pay me if I get a copy of my own bill back. The agent will not transfer me to a manager or promises me that their manager is out and will call back and I never got a call back in the last 1.5 yrs. UHC suck! They are cheats!

I’m not sure why this is relating to a storm or property damage. I didn't select anything regarding that. I am having problems with United Healthcare, Benefit Services, PO Box 221709, Louisville, KY 40252, 866-747-0048. My premium was due on 01/01/12. They printed the billing on 12/22/11 and mailed it out on 12/27/11. I received the billing on 12/30/11. Now they have suspended my benefits. I mailed the payment immediately but of course the post office was closed until yesterday. I do not think it is legal to suspend a customer's benefits until they receive payment when it was their fault. I have always been faithful in remitting my premiums so I think their action is unacceptable. I am concerned about what would happen in case of a medical emergency. Most insurance allows a grace period, but for some reason they do not.

My mother will be 99 at the end of January and suffers from dementia. After two weeks at a rehabilitation recovery facility, they said she was not making progress and they were discontinuing her benefits in three days. I had those three days to file an appeal. I talked with over a dozen people and keep getting different responses. They would not deal with me because there was no power of attorney on file, and though I send in an expedited power of attorney (three times), they still have no record of it.

I take pain medication (Lyrica) for severe neurological pain related to a very rare neurological disease. I tried to refill my prescription at my local pharmacy and was denied by United and told I have to use their mail-order pharmacy to get this drug. This was news to me. I need the drug today since I'm out, so they said they could do a one-time override. After waiting on the phone for 15 minutes the Medco rep said they couldn't get Prescription Solutions to answer the phone and wanted to give me the phone number so I could call them. What made them think I could get them to answer the phone if they couldn't?!

I am writing regarding United's absurd decision to use Prescription Solutions as their primary (and forced) mail order drug pharmacy. My wife's cancer medication has been deemed a "specialty medication" and, therefore, can only be filled by Prescription Solutions. First of all, I find arbitrarily labeling one drug "specialty" versus any other to be both arbitrary as well as discriminatory. United would be more honest to say the drug is too expensive but instead opts for deceptive insurance lingo. Secondly, my residence routinely experiences issues with proper delivery by all package carriers. I have had things delivered to neighbors, left in the bushes, etc.

I had failed oral surgery in March 2011, leaving me with my chin on right side of face and 3 branches of trigeminal nerve gone. I cannot move my mouth to left. Too much bone was removed to put me back without making concessions. I had corrective surgery on July 6th, 2011. It was considered an emergency as I could not speak properly, eat, and had no saliva. United Healthcare is denying the claim saying that appeals were not filed properly. However, my oral surgeon sent in the required photos and molds along with paperwork to Debra ** of United Healthcare, which were reason for the appeal.

After years of debilitating migraines that defied any intervention except for frequent trips to the emergency ward for every kind of shot including morphine multiple times a week, my husband heard of a Dr. *** in Dallas who had controlled many patients with equal or worse situations with electrical implants. His success rate was extremely high and we asked UHC to be allowed to see him. They allowed the trial phase and it was a big success, no headaches even when exposed to known triggers.

We pay insurance premiums to UHC through my wife's employer. UHC says, they are not the primary insurer, and since we are both over 65, Medicare is the primary, and UHC is secondary. For the past 4 years, UHC has told us they were primary, even after we were 65. This is a new review. I think they are trying to avoid fiduciary responsibility. We are paying full insurance for secondary coverage, through the employer. If we change to another insurance company, or take on a supplemental policy at this point, they probably won't cover pre-existing conditions.

I underwent an hernia surgery on September 2, 2011 as my GYN made the determination on August 2, 2011 that I had an hernia and surgery was recommended. My United Healthcare insurance has a pre-existing clause through my company. This policy went into effect May 1, 2011. United Healthcare is refusing to pay any and all of my medical bills as documentation has clearly established this is not a pre-existing condition.

When my daughter was born, my husband contacted UHC from the hospital. They quoted us one amount, but when the money was deducted from our account, it was $100 higher. When we called them, they simply said "oh, we raised your rates." We never even got a letter in the mail. So we asked them how that could happen between the time we sent the signed Rider agreement and the time the money came out and they said "we sent you a letter," which we never received. So we asked them for a copy of the letter. When the letter came in the mail, it was dated for the day of our phone call with them, so clearly, a letter was never previously sent. Still to this day, we pay the higher amount, while we look for new insurance.

My primary care physician, and my surgeon, are both trying to get me into bariatric surgery, to reverse my co-morbidities, which is aggravated by my severe morbid obesity. These conditions are, hypertension, hypothyroidism, sleep apnea, insulin resistance, DVT in the past, to name a few. These conditions are supposed to be covered by UHC, however, there is an exclusion in my policy, which reads that obesity treatment, including obesity surgery are excluded.

This company does everything within their power to deny necessary authorizations including arguing with doctors about their patients' care! These retired consultants from United Healthcare aren't even up to date on most medical findings. Their mission statement is a joke! I'm sure someone is getting a bonus for their denials because I've heard it happening to many people including myself! It's time the insurance commissioners take a look at this company.

This company lies about claims, transfers you over and over again, and doesn't keep track of their gap coverage, which is a joke. I have spent over three hours on hold so far and have not been able to get any clear answers about why I am not having my claims processed in a timely fashion or done properly.

I have been experiencing denials of Claims for missing NPI number, that is clearly shown in the appropriate box. This has been going on every month for over 3 years. Each time I contact the company, I am told it is a computer glitch, and the number does not show up when the form is transferred to them. This allows them to withhold payment for an additional 30 days. Frankly, I am exploring the possibility of suing the company for acting in bad faith. Has this happened to you?

My husband and I tried acquiring health insurance through our agent and I considered United Health Care a great company, so we put in an application. We rarely, if ever, get sick. We received a letter in the mail from UHC and I was declined because of my height and weight ratio; not because of my health history.

UHC/NHP are denying to reimburse me for the cancer surgery because I was in the process of going into COBRA and I was not on their system whenever the doctor/health center called them. Authorization was impossible to get when they had no record of me, but I was in the process of being COBRA'ed and I am in it still now.

I have been receiving a bill from a medical provider since January 2011 for services received on December 2010. I have called and spoke with the service provider who states UHC has not paid the bill; however, every time I call UHC, I have to speak to a different person and describe the whole situation all over again. UHC has given me many excuses such as, "We paid it," "We asked for a refund but we have still paid it," and "We don't know why they are billing you."

UHC has declined to cover medical care for PKU. By declining to cover medical care for PKU, United Health Care is in violation of Minnesota Statute 62a.26. I have health care coverage from United Health Care (UHC) for my son. My son has phenylketonuria (PKU), which is a genetic metabolic disorder. The healthcare policy clearly states that the PKU care is covered by the plan. I've provided them with all the information they've requested, including a Statement of Medical Need from Cruz's doctor at the University of Minnesota Clinic for Metabolic Disorders.

I have submitted a claim for a covered expense reimbursement (hearing aids). The claim was dated May 25, 2011 and the reimbursement was submitted June 8, 2011. I have called them at least 10 different times and each time they either claim they didn't received it or it's under review. They denied the claim on August 4, 2001 and I appealed it on September 2, 2011. It's been more than 4 months. They are contractually obligated to reimburse $600 of the $2,750 in costs. I think they are stalling or postponing payment of the claim to benefit their cash flow. I would like the DOI to intervene and contact them or me.