UnitedHealthCare Reviews

Every bad thing that you heard about United healthcare is true. It is absolutely the worst company. Do not get your health care insurance through this company. They will deny claims. They will raise your rates. All your costs would go up. My cost went out from $10 to see a specialist to $45. Everything increased except their coverage. Dental coverage decrease. Visual coverage decrease. Customer service is the very worst uncaring attitudes. This company should not be dealing with healthcare. They're all about making money. Padding their stats, making billions for their investors and themselves. Do not use this company.

The worst insurance company rated for 2026. We are paying over $1200 for our plan. Yet I found out they do not take 20 years primary care doctor from Johns Hopkins. Their exception is manual, long, and requires many hours to compete and days to complete. Shame on United! Stay away from them. We have no choice as we are forced to stay with them. Meantime most primary cares are months away in our area to take new patients. Shame and shame on United!

So far have had this insurance for 18 days. For 12 days we had no card or id to prove we had it. Since then have had problem with them approving medication I've been on for ten years. I miss BCBS. So far this company not worth the money.

Terrible insurance company. I have a UHC marketplace plan. I just almost dont have words for how bad they are. I am starting to get very depressed. They remind me of the fictitious insurance company "Great Benefit" in the movie "Rainmaker by John Grisham, circa 1997. I think maybe someone in this company decided it would be a great idea to use this fictitious company as a business model. Instead of a binder on how to deny claims, they use AI to deny claims. UnitedHealthcare Marketplace plans deny about 33% of its claims. I was denied an MRI at least twice. I paid out of pocket to find 2 displaced fractures now that can't be corrected. And as soon as the icd10 for fracture was added, they approved the MRI. Stupid indeed. I called them and they said it was approved...sure it was, the fractures were added after I paid for the MRI.

If you have United Healthcare for your Medicare ADVANTAGE plan, know that they will cut you off from services very early on, every chance they get. My father has a fractured L3 and tore his right quadricep. He has pulmonary embolisms. Worst of all, he has this insurance plan. I keep having to file appeals to a third party when they keep denying his coverage at skilled nursing home. First he was denied for not being able to put weight on his right leg, so ho could he do physical therapy. I won. They cut him off again a 6 weeks later when he was just now able to put weight on his right leg, stand and start walking with help from others, They said okay, time to go. I just won that appeal. Horrible company. They truly operate in bad faith.

Thank you all - because of your gross incompetence in managing a basic merger, I am left without dental coverage and vision which I had, confirmed, in the presence of our BOM during all the changes in coverages. Thank you all for your deep concern for the average everyday employee. I appreciate your help in letting me know that I have no dental or vision coverage for my family until the next enrollment period. Thanks guys - really truly appreciate it.

I had UHC for my insurance. I had to get foot surgery on my foot. I needed to have cardiac clearance for my surgery. Bay Area heart billed my visit into 2 separate days and used the wrong codes for billing. I am very unhappy that UHC. Did not pay for my clearance. I ended up by paying 164.94 to Bay Area heart. If this was billed altogether either the right codes I would have not owed anything. Please do not use UHC for your insurance ever. They should have made sure the billing codes were right so therefore the patient has to pay. Never use UHC no matter whatever. 😢😢😢😢

Called UnitedHealthCare to check if my doctor needed to fill out a form for me to get my insulin. Was transferred to five different departments. Each said I was at the wrong department. The sixth one asked for my member ID number. They could not find it. After checking manually he found it under a different number. Could not understand as every other department found me under the member ID I gave them. Plus I have a letter from UH with the same member ID number. Asked to speak to a manager to clear up the confusion. I am holding 20 minutes to speak to the person.

They suck. They are never giving you a ride or they’re canceling your ride. I would never go with this plan. They are not very helpful. They don’t care about your health. They are awful. They never help you out.

Sadly, I did not have a choice when picking my healthcare insurance provider; it was chosen by my employer, who got the cheapest out there... My doc prescribed something for me, due to some issues I was having, but they denied the rx. When you go to their site, it shows you need to be on sleep apnea to get it. I've been using a sleep apnea machine for 5 years now.. With no contact, no research within their own records, nope, denied. These people couldn't care two hoots about your health; they are not there to help, they are there to take your money and do the least amount of work as possible.

These losers declined both Statin coverage and GLP1 prescriptions after Major heart attack. They have no problem collecting their monthly premiums though. Filed a compliant with the Office of Insurance.

UnitedHealthCare is a joke. They take all this money out of my check for insurance. And then these clowns tell me what medications I can take and I can't and who I can see and who I can't see as a provider. These jokers won't cover a medication for my son For his ADHD when it's the only medication that seems to work, and that doesn't give him stomach problems. But these buttheads Say they're not gonna cover the one medication that we have found to work after he has tried four different medications. Yeah, thank you.

All I ever wanted was insurance to help me cover my prescriptions that I need to help me with my lung disease. Never smoked a cigarette a day in my life, but I have a lung disease and I just wanna breathe and have quality of life and they’re denying all my medicine.

United Healthcare “customer service” is inept and they refuse to put you through to a supervisor when they clearly cannot answer your question. The main number puts you through to a generic person who barely speaks English even when you ask for dental claims and they refuse to give you the phone number. You are put on hold endlessly and you still don’t get the information you need. I called today on a dental claim appeal and was transferred several times and continuously put on hold each time the person knew nothing about dental claims. They refuse to hang up so that you can leave your negative review about the call. Do not recommend United Healthcare!

We had to switch Medicare plans for 2026, our doctors went out of network. We signed up for UHC PPO. This switch has been a nightmare, I would never advise anyone to sign up for United Healthcare. I had Aetna for several years and never had any issues, hopefully be back for 2027.

Worst insurance company out there!! Stay away!! I'll definitely remember next year!! They pay for nothing and force you to pay out of pocket for everything. Meanwhile they make millions. What a shame. They used to be amazing. Definitely has gone downhill!!

Noah ** claimed he looked up Florida Blue for me. Said my doctor will accept the insurance and it's $140, maybe 130 a month for what I want. My cards came in. The insurance is MyBlue that my doctor DOES NOT accept. They took $170 out of the account. I've left numerous voicemails to his business number. Have text his other phone many times. He will not call back or answer anything. Email hasn't happened. He's full of it and nonsense with business. Lied about it all. I explained I'm a telemarketer as well... Therefore, he should know I am definitely leaving this review.

First, I’ve spent the last six weeks trying to log into my United Healthcare portal without any success using three different browsers on Wi-Fi and on cell service, but I’ve had no success. Secondly, I have spent a week trying to get an access code that will allow me access to the local YMCA, which is part of my plan. I’ve made six phone calls been on hold for a total of four hours. Had people promised to call me back and still no success. I can tell you that I will be changing Healthcare plans at the end of this year.

We just switched in January 26 to UnitedHealthCare, Horrible service as on hold for 1.5 hours, hung up on, transferred and on joint conversation with Providence Medical Equipment. Billed more than 20% co-pay and no explanation. What is on the invoice not what they paid. Still on hold for Supervisor and so much for Virtual Assistant.

Awful. I cannot get answers for the simplest questions. I asked why they are billing me for a service I never got. I asked to speak with someone in Accounting. Re: Ambulance services: Finally, after many tries and bad advice from Customer Service in India, I found out that "any ground or air ambulance provider that participates in UnitedHealthcare’s Medicare Advantage network in Colorado is considered in‑network, and you would pay the plan’s standard ambulance copay of $290 for either ground or air transport. "

Customer service is useless. The guy told me that my pharmacist send them the list of medications that I am presently taking. He knows nothing about the medicine that I am prescribed by my doctors. The list on their list is completely wrong. It states that I am taking over 27 medications. This man tried to tell me that I am taking 27 pills a day. Where do UnitedHealthCare get these knucklehead employees from. I would advise people not to sign up for this company because they need training and say anything. Plus there is fraud within this insurance company. They need to do better.

I thought UHC had decent services, but they changed coverage charges a year after my procedure and my bill was settled to zero. They rewrote the price of what they would cover, clawed back a refund from hospital who is now charging me. How is this allowed after the invoice is settled and I haven’t been covered by UHC since last year? Crooked thieves.

The worst dental healthcare insurance ever. For the preventive care, such as diagnostic, xray and light cleaning, they charge from your total annual benefits. No other insurance does that. It is terrible service. Shame on them!

After 5 years of a medication that works UHC decided not to cover. Gave 3 alternates 2 of which I had issues with. They don't care. Profits over people. Really bad company for senior citizens. Thanks.

I work for a business that requires medical insurance. One of our patients called their customer service and asked me to talk to them on the phone. The customer service rep was quite literally yelling and cussing me out over the phone because our system pulled a copay for the patient. This person should not have a job in customer service if he is going to cuss out someone who is just asking for clarification on a patient's deductible.

Up until 2025 I was perfectly happy with my UHC Medicare plan...even though it was expensive it was worth N it for the PPO plan I had. The Deductible went from $457 to $2,100 on RX Plans and they dropped medication or swapped from the tiers of Prescriptions. Example: last year my diabetes medication of Mounjaro was $47.00 a month.....this year $268.00. I've had precancerous Polyps and the doctor ordered Plenvu for prep for surgery. They won't cover it and my out cost is $186.00.

If I was anybody, which is why I feel the need to write this, is that I would seriously advise you to not go with this health care plan if you even want to call it healthcare. They're very tricky as far as when they sign you up they'll use American English speakers who are polite. After that you will never speak with an American even at a request because these ** people who keep answering the phone, and it is all of them at the call center who cannot speak English at all, well not even transfer you when you ask nor will they hang up the phone for you to leave your review of their service and nor will they allow you to make a complaint about them because they have full control over that phone.

The worst experience EVER to order contact lenses. Expedited shipping didn't happen; delivery status cannot tell me; fill out a form - cannot do; need lens asap - no concern at all. Will take 2 days to update for me to restore benefits and order again elsewhere. Honestly a shame and ridiculous.

I had a mini stroke with a deficit on my left side. They denied my going to a facility that has expertise in stroke deemed it unnecessary. Sending me to skilled nursing with limited rehab. Dangerous insurance

We do not like UnitedHealthcare. We have had numerous problems with their Advantage plan. When we moved from Colorado to Nebraska a year ago they never informed us that we needed to change our policy from a Colorado policy to a Nebraska policy. They ended up dropping me, so I was without insurance for a month. Because of that I had to miss a very important neurology appointment and have had to wait over a year to get to be seen. They have also denied several of my medications. Twice now we have been set up on auto pay and they have quit taking the payment for no apparent reason, and we have had to pay a large bill. One was over $3000 for not taking our premium payment for several years and the other $1500 for not taking all of the Medicare Prescription Payment Plan payments like we had set up. It’s obvious they do not care about my health.

I talked to SIX people today and not one of them could get me to the department!!! I have Indemnity Insurance with them and can't access anything because they have the wrong phone number for me and they're all too stupid to get me to to the right person!!!! What a joke! They can't even change a phone number, can't even get me to who I need to talk to! I guess I will have to cancel them!!!!!

UnitedHealthcare cancelled my health membership on Dec 31, 2025, without any warning. I only found out today, Feb 13, 2026. When I called, they claimed they sent a notice in September, but I never received anything by mail or email. This lack of communication is irresponsible and has left me unexpectedly uninsured. Deeply disappointed in their corporate practices.

I have the dual complete policy with Medicare and Medicaid. As part of the plan perks, I receive a UCard with a monthly allotment to purchase food and medical supplies. Today I used the UHC app which has shopping tool to scan the barcode of a product to see if it’s covered under the UCard benefit. I purchased feminine supplies which should have been allowed. I used the product scanner to verify each product was covered under the UCard hub. For each item I scanned received the approval message “This product qualifies for purchase using your benefit.”

UnitedHealthCare has been an absolute nightmare to deal with. Claims are denied with little transparency, even when medications are clearly medically necessary. Instead of prioritizing patient health, the process feels designed to delay, discourage, and minimize payouts. When someone is in urgent need of medication, the last thing they should face is endless prior authorizations, bureaucratic hurdles, and vague explanations. It often feels like cost-cutting takes precedence over patient well-being. Customer service provides scripted responses and little real accountability. You’re left chasing answers while critical treatments hang in limbo. The lack of urgency and compassion is deeply concerning. Health insurance should provide support during vulnerable moments — not create additional barriers. This experience has felt more like fighting a system than receiving care.

Terrible customer service. Trying to get my prescriptions sent for years. They are lazy and lie to me all the time. I call and wait on the phone for hours. Worthless.

The worst, wish I could change providers. What the website says, and what they charge are not even close! One med I take, the website says $148.00. Actual cost was $498.00. Synapse that they now have, I'm still waiting on supplies (this happens every time I order). It's been 2 weeks now. Try to call them and they want to give me something for "free" and I can't get my normal supplies. What a joke!

My previous employer was bought out by a company that used United Healthcare. It is by far the worst health care I have ever had. Of our 2 PCPs, pediatrician, neurologist, or gyno are in network. They don't even send you a card for vision or dental, making it difficult to register and search the website. The medical card they send you isn't even a proper card; it's just heavy cardstock.

I have never had such an experience insurance. They want me to pay $250 just to see a doctor. What am I paying for? When you call, they say to wait for a representative, then come back to tell you they are closed. Never in my life have I had such a bad experience with health insurance. They pay for NOTHING!!!

As far as customer service for website/portal issues, this has been the worst experience I have ever had. I have been eating 6 days for someone to contact me from a supervisory position. I have been kept on hold from 30 - 50 minutes 5 times, This service is pitiful!

I have had United Healthcare for the past 3 years. I'm satisfied with the coverage and the cost for the most part. However, I would rather be beaten than deal with their customer service agents. I dread calling them whenever I have an issue or a need something changed. Every single time I've gotten agents that didn't know what they were doing. They were very hard to understand. They kept putting me on hold and it would take a minimum of four to five phone calls to get the issue resolved.

I would like to say how helpful & kind Colleen from OK was that we spoke to on a claim issue we were having with Ascension Hospital in Hoffman Estates. She was not rushing us and she got the billing dept. on the phone and she was there to also help explain the procedure of the discrepancy on the bill..Companies need more people like her!! We ended the call less stressed with ALL her help!!

Unbelievable experience! I called in Jan to cancel Part D insurance. I was told it was done. Then I get charged for Feb (auto deduct from checking acct). I called again. Was told that my account was never canceled and had to do it again. Was told it was done, that I should expect a letter in at 10 working days. Got an email stating my auto deduct was now set up. Called 3rd time. Was told my account still was not closed, that someone should have called me after 1st phone call within 48 hours to make sure I wanted to cancel. I never received that phone call. Told the girl such, was told that there is a form that I need to complete which would be mailed to me within the next 7-10 working days and to complete and mail back to them.

It was okay at first they gave you a good amount of money on medication, food and utilities. Everything was okay until the evaluation came for my home health services. I was my mother's caregiver and did a wonderful job taking care of her. Anyway this care coordinator Lisa ** came and said we didn't need healthcare services and I was getting paid too much. My mother was a heart patient, she suffered from face pains and walked with a cane. That she didn't qualify for the services. So she took my mother's Medicare away which made it hard to get the treatment and also my caregiver job away. A waiver was put on us and sadly she ended up dying before she could get her Medicare and home services back. I think United Healthcare hires the wrong people to represent their company.

So upset I never got my card, this is why I got rid of WellCare, never again. I just wish they can send my card. I hear 10 to 14 days, then I hear 1 3 weeks.

Worthless, they want to save money, so they make you fight for health care, they make your doctor talk to their doctor, and after months of pain, they approve the treatment so what did they save? Nothing but let you remain in pain.

I have never been thru something this challenging. I have a major problem and have called 17 times, transferred to wrong departments, department ld disconnecting calls and not answering. I need to get an exception for a medication that is not on the formulary. My doctor's office has done the appeal 3 times and spent hours getting the same run around as me. I have asked for the escalations department and they avoid sending you to that senior management place. I don’t know what else to do to resolve my issue. My provider's office said they can’t invest any more time on this. I have tried been on the phone for hours each call and so has my provider.

I will not be renewing my insurance next time because of the way we are required to get all of these referrals this year. I will be looking for a pop plan next enrollment period but because of the trouble of getting referrals this year I won’t be getting a new plan with United Healthcare.

UHC's customer care line states that you will be connected with the "best customer service advocate in the business", but what you get are ignorant individuals that can not provide you accurate information. My experience: Call#1 I asked how to get re-imbursed for a gym membership. I was told to login to their website, find the gym reimbursement form, fill it out and submit it. Call#2. I called to state that I could not find a gym member reimbursement form. I was told to download and print the medical re-imbursement form and write gym membership on it, then submit it. Call#3. I called back 3 weeks later to ask the status of my claim. This best customer service advocate informs me that no claim is found and that you cannot submit a claim for recovering gym membership costs! Three calls and forms submissions that amounted to nothing other than a waste of my time!

United HealthCare ignored my request for an appeal. They ignored an expedited appeal. Did not follow their own guidelines to respond within 72 hours. Customer service representatives gave me the runaround for months. Saying my appeal was pending, then the information was backdated by them denying the appeal. Horrible customer service. They gave me false information many times. And I was completely unable to speak to anyone that was involved with my appeal decision.

Senior abuse,, Keep jacking prices,, Very very RUDE customer service.''' They take full advantage of seniors. My cost went up about 20 dollars like I can afford that on a fix income.. They only for their own pockets and step all over their customers!!!!!

All health insurance companies have their problems, but UnitedHealthCare is the worst I have ever seen. We CLEARLY declared a pre-existing condition (Fibromyalgia). It’s in our insurance agent’s notes, and United recorded it in our phone interview. And now United Healthcare’s customer service agents are insisting we did not claim a pre-existing condition and are refusing to pay for routine doctor’s appointments. I will fight this to my dying breath not because I don’t have a couple hundred dollars, but because I can’t stand big companies that try to pull one over on innocent, paying families. Ridiculous.

When I signed on with United Health Care almost five years ago, it was a solid company with fair benefits. Unfortunately, and sadly, every year since then it has either decreased the benefits (no more over-the-counter benefits at all!) it offers or raised the cost of co-pays (specialist co-pay went from $40 to $60). I would not even call it average today. It is far less than! The only benefit I receive is $10/month after I complete 5000 steps/day for ten days (I regularly rack up more than 10,000 steps/day). Needless to say, I will be switching to a better carrier next open enrollment.

The worst Insurance company ever! They deny everything. I have a neurological condition that requires a PET Scan. My primary care, neurologist and the radiologist who read the MRI (which United HealthCare paid nothing for!) recommended this and stated that without it "necessary medical decisions that could have life altering effects cannot be made". They said they do not cover procedures to diagnose conditions. WHAT!!! Then how do you diagnose and treat properly - I guess when I'm dead we'll know! On top of that I am paying $900 a month!

I have had three claims recently for office visits and a lab. Since Nov 21, 2025, the claims have been incorrectly processed as out of network (costing me much more.) I have called three times now to get this fixed. Each time, I am connected quickly, and the individual is kind. However, they simply restate that the service is out of network, and I’m required to PUSH them to check that that’s wrong. Each time, they have confirmed I’m correct and connected me with claims to get it fixed. It gets fixed. Then, when I go to check and pay, it’s reverted back to out of network.

UHC's site went down as it was processing my payment for my first premium. I refreshed the page every 15 minutes or so to see if the site was back up. It turned out when the site came back up, it charged me each time I had hit refresh even though I only entered my info and pressed 'submit payment' once. They promised a refund and told me it was processing. It has been 2 months and I have not received any money from them. I have called multiple times to check up on the refund and every time they say it is processing and will arrive within the week. Never does... To this day (end of January), I have yet to get any refund.

I called to get information on the new confusing rules that UH now has for Medicare. I called, bypassed all the hurdles, and was connected to a representative. The ** guy who answered had a very thick accent and had no idea what he was talking about. Furthermore, he was not interested in helping. He was rude, arrogant, and condescending. I was to review the call, but he refused to hang up, so I couldn't leave a review. I asked him to hang up, but he told me that I should hang up first. I have noticed that this is a trick the supposedly member advocate uses to stop you from leaving them a review. Why isn't the company fixing this? Are they living in such a bubble that they don't know, or don't care?

I purchase a product after scanning the bar code. The product was eligible to purchase using my OTC credit according to their online app. After I made the purchase, the cost was removed from my rewards credit instead of the OTC credit. Customer service was extremely frustrating. It takes forever to get to talk to a customer service person and then they are hard to understand. I talked to several different people and all they said was the product was not eligible to purchase the product using the OTC credit, even though the app said it was. Seemed they really didn't care even thought it was their fault. It seems premiums go up and service and benefits always go down.

This company is a giant ripoff and a… This company is a giant ripoff and a used Car Salesman. My agent urged me to go with UHC last year. My policy covered out of the country emergency healthcare. Long story short I've spent nearly a year fighting with them to get emergency medical care for having extreme food poisoning. They have flat out lied to me every step of the way. I appealed through UHS Consumer Affairs. After 60 more days, the appeal was denied. Bull--- lies for their decision. I went to the CEO and got the Consumer Affairs people to work with me. Forget them!!! Biased worthless executive mouthpieces. Bottom Line is United Healthcare is against their policy holders. What a shame that the company got so bad, Executives are watching their backs. This shouldn't happen.

The portal sucks. You can't use your cell phone to access their portal. They told me I need to use a laptop or something else besides my phone. Because it doesn't work on your cell phone their portal. Then I have a claim and I can't understand the person that is talking on the other line so I have to keep saying what. Because they don't speak English very good. Just a bad experience all around. Then I faxed some paperwork over to Golden rule insurance for my claim and put my ID on there. But they did not explain that I had to use a different ID for a claim so my paperwork sat around for 3 weeks doing nothing with it. Instead of calling me. I called them a lot but nobody could explain what was going on. Finally after 3 weeks I got a hold of a lady that figured it out. Now I have to wait another 30 to 40 days for my claim to go through when it's already been a month that my paper's been sitting around. Not very happy with these people right now.

I am extremely disappointed. We chose this plan because my mom is diabetic and this was a good choice for her. Now, they will not cover her diabetic sensor. I spent an hour on the phone with them and all I got was transferred to a couple different people. Finally they transferred me to a Medicare specialist (not employed by UH) who immediately fixed the problem (their error-not ours). He was so nice and then was asking the UH representative who was supposed to have been on the phone if he heard that and can he fix it on their end. He had hung up.

My husband has a United Health Care Medicare Advantage Plan. He has been diagnosed with Stage 4 Cancer. He has been through surgery and chemo as a Stage 1 patient. All went well throughout the process. Now that he is Stage 4 and needing additional treatment, United Health Care has refused to pay for one of his chemo treatments recommended by the Head of Oncology at Houston Methodist Clear Lake Hospital. The oncologist filed an appeal on January 1 after his treatment regimen was denied for one of the medications. I called United Health Care on December 30 and was given the run around that there was no record of the medication was denied. He also stated they were closing for New Years Eve and I would have to call back. I called again on Monday, December 5th and was also told there were no records.

We pay $700 a month for UnitedHealthcare. My wife has a $2,500 deductible, which we were fully prepared to meet. What we were not prepared for was UnitedHealthcare inventing a 45% coinsurance clause that magically turns a medically necessary procedure into a financial ambush. Without insurance, the surgery costs around $11,000. With UnitedHealthcare? The “negotiated” total somehow explodes to $34,000, and after deductible and coinsurance, we’re forced to pay $6,245 out of pocket.

Customer Service for this company is horrendous...No one was able to resolve a simple issue. Promises of call backs and resolution and no results! I would not recommend this company! 10 hours on the phone with 9 different people who vowed to help resolve and nothing.

Worst company I've ever worked with. It took them 3 months to send my member ID, even just the electronic one. I had to call them and they said their team was busy and "forgot". By the time I got the actual member ID, I had already moved to a different state. I informed them of this, but they never canceled my plan and so I was billed for months while living in a different state. Had to call them for refunds and to amend my tax forms. Absolute nightmare.

I unenrolled from my long time healthcare plan, to UHC. Thinking I was saving money for part B. Mistake! Can kick myself. It was time to refill my tier 3. They, Optum Rx, wanted prior authorization. I've been on the meds for years. Same doctor. Never any problem with former health insurance. Prior authorization denied! Twice! Here I am, suffering. I need my prescription. It's been a week now. I cancelled UHC. Now, I am re-enroll to my former. Have to wait till February 1 to activate. I'm praying that there will be no issues forthcoming.

Since the new UHC Medicare Advantage Plan started I have problem logging in. I didn't have this problem last year. First, I tried to get help on the phone and it was 9:30 AM in the East Coast and the message said that they are closed! So I tried the chat help, three different "advocates" disconnected from me without any notice. They were unhelpful in solving the problem and they just disconnected, three different times I had to type in my information. The three were "Mary **", "Vera **", and "Casey". They just didn't care! So, no phone help and no chat help. By the way, I have the transcript of all three chats, if a member of UHC cares to contact me.

These people have this persecution that this insurance is theirs and you'll do as they want not the client that the insurance belongs to. I've been with some sort of insurance for thirteen years and I have not seen any worth to them. It's their way or we ignore you.

Got diagnosed with a gene that puts me at risk for breast cancer. When I tried to go to the doctor for surgery to get my breast removed because I was already having my nipples invert into themselves UnitedHealthCare denied me because I was 28 and still a young and healthy women. Least to say my doctor was mad. What does it take. Do I need to get cancer first before I'm actually covered.

I worked with an agent in September of 2024 to get my mom, who is in a nursing home, set up with the senior UHC plan. Due to the fact she has been in the nursing home for a year and a half, she has depleted all of her funds and we applied for Medicaid, which was approved last month. I'm trying to get her payments scheduled so it no longer comes from her personal checking account but is paid for by Medicaid. I tried calling the customer service number, which was a nightmare to navigate.

After I finished talking to United Healthcare representatives I stayed on the line to do the survey as instructed at the beginning of the call. I was waiting for about an hour before the representative came back online and told they will not hang up because they are not allowed to let the customer take the survey. The worst customer service I ever had, absolutely disgusted with United healthcare.

My wife was on blue cross blue shield. In Dec she changed to United. She was told her prescription coverage would remain the same. As of Jan 1st her ** went from $45 month to $500 month. The only thing my wife got out of changing to United is a $50 card to purchase items at Walmart. United can stuff their card where the sun don't shine. If you have other health insurance don't switch to United.

Have had nothing but trouble with UHC the last six months. Don't let them know if you've moved even for 6 months. That changes your zip code and they penalize you by stopping your coverage. If you call January 1st to get your activation code they stop your insurance saying your card is no good. This company is more trouble than it's worth and will go with Humana when open enrollment happens this year.

They pre-authorized my colonoscopy and then refused to cover it. By law colonoscopy is supposed to be covered but they don't cover things like that. The medical guidelines changed and despite it being recommended by my doctor they don't care about things like preventing cancer.

UHC denied a life saving chemo and Immunotherapy for my daughter April **. She was getting it in 2025, and it was reducing her tumors. She was also having less pain. For no reason you denied the exact same treatment last week, 2 times! What is she to do now, surgery? Now that makes a lot of financial sense, not? You want her to die? She is still working full time as an ER nurse. We are passing this around, you should be ashamed.

I did not get a chance to work with the policy and/or network yet.. I just enrolled and made my payment on the 2nd, got a confirmation number. Called on Monday, got assured that everything is fine, called back this morning to get my RX number and was also assured everything is fine and that will receive our cards next week. Pharmacy informs me that the plan is still not active so I call them back, 1 hr 10 mins on the phone and half of it waiting for a supervisor and all of repeat the same script. Customer service are in the Philippines or Latin America. They don’t know what they are doing and if they give you information it's obviously not accurate. Guys this is a horrible first impression and I truly do not mind switching especially that we are still in the beginning. Horrible horrible experience!!!!

I went to pick up my meds for diabetics and all of a sudden the pharmacy wanted money, I received NO information at all from United Healthcare duel complete about paying out of pocket so this was a shock to me as I cannot afford this. I called UNHC yesterday and on the phone for answers on what changed no answer to why. This morning I am on the phone again right now for 2 hours and still waiting for an answer. All I want to know is why I was not notified about any changes to my policy? No one called me to tell me about these changes by us mail or my email or by phone. All I want to know is why??? And after about 4 hours still no answers and again on hold! I changed my email about 2 months ago and UHC did not change it, they were still using an old email. I changed that months ago.

I really don’t want to leave 1 star! This company is completely useless when it comes to getting your medication approved! I pay my premium each month and I have Prior Authorization sent in and they will approve them just to deny them later! Looking for better insurance!!

United Healthcare, health insurance is the best I know. United healthcare is continuous in the good things that they do. Thank you workers of united healthcare. I am proud to have United healthcare, for my health insurance.

Trash experience. I spent an hour in the chat online with 6 different individuals. I was going to sign up and was trying to pay them but no one knew how to do that. I can't get my card till I pay but I can't log in to pay until I get the card. I went through 6 people and the only one who tried to help me was the 5th person, but when I did what he asked me to do- clear the cache, the entire website reset and the chat was lost. When I went back on, I repeated myself once more. I said if she cannot help me then there is no reason for me to continue. They tried to do a call back at a different time but I work in a school basement. I cannot talk during the day. There was one person who accepted the chat and then skipped it within 3 minutes without greeting me. I tried to follow steps from the chat agent and the error 10002 came up and no one knew what that meant either.

I’ve only been with UHC 3 days and I’m already disgusted with them. Customer service doesn't help. Too many codes and very hard for old people to maneuver on their website. In the past 3 days, I’ve been on the phone or on hold 4 hours and 16 minutes. Customer service people all have very thick accents, creating issues when getting tech help. I have changed my password 7 times, as prompted by customer service. And I’ve yet to be able to get to my provider list. I signed up for UHC because their card covered fresh fruits and veggies, only to find my policy doesn’t cover those. I checked with some of the websites that I used to make my decision and they all claim the card covers those items. Already tired of UHC and I’ve only been with them 3 days.

I switched plans for 2026. UHC reward card or UCard is provided. I contacted UHC in December knowing I was switching plans for 2026. I had $160 that I had accumulated during the year. I was told I have 30 days after plan ended to use my rewards. I was just informed by UHC that the Ucard is cancelled and funds aren't available. I was rewarded for doing their mandatory home health visit and numerous activities I did. Plus the $40 every 3 months for OTC med. Use your rewards if you're changing plans.

Overall this company is so greedy and doesn't care about their customers. They want you to pay all this money every month for coverage, but the plans don't really cover anything. If there is something you really need like treatments, procedures/surgery and especially mental health services/treatment none of it is covered at all. Your insurance is only good when you're healthy. This company is the worst overall, they don't cover anything and deny customers treatment and things they really need. They provide nothing for customers, and all they want is money. Corruption, greed and unethical practices and no care for customer's lives.

I have their insurance and pay a hefty premium. I also have sleep apnea. High blood pressure. Obese and pre diabetic and they have denied coverage because I’m not type two diabetic. Now I have to pay for the medication out of my own pocket. Then why pay the premium when they deny medication to help save your life. This company only take your money and gives no help.

able to see that well, would have a hard time focusing, not to mention all that extra weight pushing down on my nose. Prior to and including 2024 this was never a problem as United Healthcare paid for progressive lenses above tier 1. For 2025 and into the future, if you need a progressive lens above that bottom tier 1, look forward to paying 100% of the cost out-of-pocket.

United health care is above and beyond the best health care ever. I appreciate these wonderful people so very much. Not only do they feed me every day, they pay for 100% of all my medical bills. They are simply amazing! Thank you all for your generosity! You folks have made my life so much easier. Life is tough, but when the tough gets going, you can always count on the incredible people from United healthcare. Thank you all so very much. Happy New Year!

My experience with this insurance company is terrible. I have cancer and courage and in 6mo they haven't not paid a claim yet, told the hospital My policy don't cover claims, talked to my insurance broker yesterday. Said, "I'm looking at your policy. It should cover must of your bill." Also have critical illness. Haven't paid not a dime. They do a lot of lying on the phone. I think it's time we get the Attorney General involved. There too many people saying the same thing. The stress of dealing with them takes an emotional toll on you when you should be focused on your health and well-being, and the longer they can put you off the more your bills build up and you don't really come out before you're so behind. Let's us all come together and get what we deserve.

They had me on the phone for literally 50 minutes. Never checked back in with me just to ask me I can now transfer you and why are you calling?? Then when I asked for a supervisor she straight up said “no”. Whew I am not a member thank god. Found out myself that I was not reaching the correct company. If she asked the correct questions she would have found that out! She didn’t ask anything. Just said, "Can’t find you in the system. Please hold!" Total hold 1:42:06. Will never recommend to anyone in the world. Wouldn’t care which providers are in network with them! Painfully annoying and incessant experience!

We have Medicare Advantage United Health Care. It has been extra ordinarily fabulous. The surgeons, hospital care, my primary and specialists have been exceedingly great. All I can do is brag about their great services which I never expected to be involved with. I highly recommend the and can't relate to the negative reviews. I have had them for a few years and prior was Kaiser which was bad.

Terrible customer service when it comes to prescriptions. They try to get you to use their Optum pharmacy so if you try to use a different pharmacy, they will only approve 30 days worth even though your prescription is for 90 days. I prefer to use a different pharmacy because Optum takes too long to process the prescriptions and mail them. When you call for Customer Service they continue to forward you to different departments.

The only good thing I can say about Unitedhealthcare medicare plan is for 10 months MY PCP was covered, then for the last two months I was assigned a new PCP and it all went downhill. I was unable for these two months able to get any referrals to the specialist I have been seeing all the time I was with prior PCP. Also meds that were sent in were denied so I have been paying out of pocket. Fast forward with 10 days of coverage left. I get approved for Continuity of coverage with previous specialist only to find they gave me the wrong Dr so I again pay out of pocket.

I've been with UHC for over 25 years. Now that I have cancer they are denying a claim for a PTScan to check if the cancer has come back so the doctor can treat me accordingly. This is a life or death decision for me but I see their bottom line is all that counts. Healthcare in this country is pathetic. We are no better than any 3rd world country. Thanks to these greedy insurance companies.

My wife and I have had United Health Care insurance for 4 years. This is the absolute WORST Company I've ever dealt with. My wife has gone through brain cancer, now dementia and she just broke her shoulder & knee. This company is well versed in denial. I have had to appeal nine (9) of their refusal to pay for services. Only after me complaining and appealing did they pay. However, because of this, my doctor refused to provide further service. My wife is in Rehab where United placed her and it's 20 miles from my home. They refused to let her move to a closer facility (owned & operated by the same company) because they said they have already provided a facility and there's no need to re-address the matter again. Even after I offered to pay, they refused to reopen the referral as they are busy, it's Christmas and they don't have time.

I have had this “insurance” for two months. No one has ever answered the phone with any idea how to help. The only reason I have this “insurance” is to get HRT medication, and I have no idea how to go about getting it and neither does anyone working for this “company”. Shameful.

United Healthcare customer service is awful. Where do they find so many stupid employees? Avoid these **!!! They foul up referrals, provide inaccurate information and waste hours of my time trying to conduct business with them. Also, they use some very bad doctors and nurses in their network.

I can't access my account info. Been like this for months. Contacted and been transferred to 90 employees. Issue not resolved. No phone number to call to resolve. Only online chat. Nobody taking responsibility.

It would be fantastic as a provider's office to be able to speak to someone that you can understand, in addition, it is sad that a medical biller knows more about claims processing then the representatives that are outsourced. Frustrating and time consuming and not user-friendly!

This company doesn't even deserve a star, they won't cover anything, just want your premiums every month, I could go on about my terrible experience with this insurance company, but I would need pages.

They changed their OTC benefits WITHOUT notice! This left me at the cashier and medicine and vitamins not covered. These items have been covered for years. Apparently feminine hygiene items are no longer covered as well. UnitedHealthCare needs a serious overhaul.

I am a recent retiree who had healthcare coverage through my employer for over 30 years. I was granted severance pay and health coverage for three months after my retirement date. UHC, however, refuses to honor my health coverage provided through my severance package. Thankfully, my former employer is working with me to address the costs accrued from doctor's visits during that time frame, but to say that UHC has left me with a bad taste in my mouth is an understatement. It's a very dishonorable way to treat a client. Going forward, I will seek as many healthcare provider options as possible to avoid ever settling for UHC again.

Not starting out good! I just signed up for the medicare advantage plan which starts Jan 1, 2026. I was trying to set up my account online and found a problem inputting my doctor, who is in the network. On Monday, I spent 1.5 hours on the phone and talked to 4 different people and a lot of that time was on hold. I was told they would resolve the problem and were to call me the next day between 10:00 and 10:30 am. Of course, no one called. I called back, this time, I spoke to 5 different people and spent 2 hours on the phone. Twice I was given another phone number to call from the representatives for help and both numbers were bogus and discounted.

UnitedHealthcare cancelled my policy TODAY, when I am scheduled to have my C7 disc replaced in the morning. They said it is due to nonpayment. Our credit card was compromised, we were alerted of the fraud and the card was canceled. My wife forgot that my insurance premium was automatically deducted from that card. They stated they did not recieve payment for November and December and sent out 1 email to my wife on November 11th advising her of the same. She scanned passed it as it was made to look like a renewal email for next year.

I am an insulin dependent diabetic. I had an extreme low one morning a few months ago. I had passed out from low blood sugar (glucose reading of 39) and it took 90 minutes to get my blood sugar up to where I could function. UnitedHealthcare denied my request for a Continuous Glucose Monitor, saying it was not medically necessary. My doctor specifically stated in clinical notes that he deemed the device medically necessary. UnitedHealthcare might be the worst insurance company I have ever had.

I called due to an issue with an urgent care provider in the Sharp Rees-Stealy group where the provider did not and would not swab an eruption on my face after I specifically asked but told me to go to my dermatologist. The group said to go to my insurance company and file an appeal since I am not wanting to pay my co pay. Called and explained to the CS rep what the issue was and first, she consistently talked while I was talking, and told me my co pay is 75 and there is nothing they can do. Requested to speak with a supervisor. Call lasted 1 hr 6 minutes and she hung up on me. Called back and immediately asked for a supervisor. On hold for 29 minutes. My issue is still not resolved.. Is that good customer service? I think not...Our health care system is in trouble.!!!

I received an email from my OB/GYN (Unified Women's Healthcare) office notifying me the United Healthcare was terminating the contract with their office effective 12/15/25. I am 6 1/2 mos pregnant and now have to go in search of a new doctor to deliver my child, a doctor who will be a complete stranger to me. It took years to develop the trust and relationship I have with my doctor, and I know she has mine and my baby's best interest at heart. I want everyone to know that UHC is heartless and cruel. No one should ever be put in the position of having to lose their medical care in the middle of their pregnancy. If I could dump UHC right now, I would. Unfortunately, they know that people are not in a position to terminate their healthcare over something like this, so we must pay the consequences. This is the treatment we get when we allow corporation to make the rules.

Borderline fraudulent company that lines the pockets of politicians to stay out jail. Watch out for those "re-billings" a year later to try and flip the script to now say you weren't at the out of pocket maximum in 2024 after all, oh well...looks like you're shit out of luck.

It’s the worst to work with UnitedHealth. The reps give you misinformation about a tier 1 vs tiers 2 doctors and that is a simple task. The website is not helpful at all finding a provider to check what tier the facility is in. Therefore having to pay a higher deductible because of rep mistake.

Customer service is the worst I have ever encountered outsource to a foreign call center now. Trying to get one question. Took three people until I got the correct answer. Spent almost an hour getting resolved.

United is by far the WORST insurance policy on the market. It's full of incompetent customer service "professionals". I haven't had access to my UHC portal for WEEKS. No one has been able to help, every day I've spoken to a different person that has no solution. My claims are being denied, my policy number doesn't work... They are horrible..Stay away if you can.

Not very happy with their customer service representatives that I had with them. This Monday and Tuesday I had to call 5 times each day, not a professional way of representatives how they were with me. They're not professionals. Horrible!

If I could give them 0 stars I would. They will give you a list of doctors who they say are in network, but none of them will accept this insurance and the doctors that do accept it, the insurance company will deny the claims and you will be left having to pay the doctor's bill. I honestly would be better off not paying for their insurance since they do not cover anything that they say they will. They are a complete waste of money literally. They do not cover anything that they say they will cover. I am left having to pay thousands in doctors' bills that they are supposed to cover. The "lower" reputation insurance companies cover more. I had Ambetter before and they were way better and actually covered what they said they would. UnitedHealthcare does not cover anything at all, apparently. Not even a simple doctor's visit.

Let me tell you about my situation: Late February 2025 I was started on an antiarrhythmic drug (to combat Atrial Fibrillation, AFIB). Starting this drug involved a 3-day hospital stay for careful medical monitoring, as the medication can cause a very dangerous arrhythmia (torsades) and the drug is either ineffective or not tolerated by about 50% of all patients. The drug was successful for me, taking me from 100% AFIB for over 5 months, to minimal most weeks, with occasional peaks of 5-23% afib (for the given week). This medication must be taken every 12 hours (with no more than up to an hour variation from schedule), and no more than one dose can be missed in a row. If the drug is not taken for two doses in a row, it’s back to the hospital for the 3-day startup process again. My prescription delivers 180 doses every 90 days - just enough to stay on schedule.

My company just (literally today) switched to a level funded plan. The plan is identical to the old plan in terms of coverage, etc. I had been participating the UHC rewards program and was waiting until the end to cash out so I could earn the maximum benefit. I logged in today to cash out and my rewards are gone on day one of the new plan. They screwed me out of $237. No, it’s not a ton of money but UHC tries to encourage people to buy a tracker (Fitbit, Apple Watch, etc) to track steps and sleep. It also encourages people to get flu shots, covid shot and all kinds of other things which help them save money on claims by covered individuals being healthier.

I'm just trying to get a simple ID number. The automated answering robot is incompetent and useless. On hold for over half an hour just to get hung up and have to call again. This is complete shit. Do better. It shouldn't be this damn hard to just get a damn number!!

Just became an member as of November 1 2025. Bad experience already. Can't get the right information from customer service agent concerning my account. When put in an cancelation of an upcoming plan change to stay with my current plan was told it would take three days. Then called back. Was told that I had to go thru with the plan change. I had no choice even though I put in the cancelation was before the effective date. The worse company. Won't recommend.

Horrible customer service. Horrible customer service. I was going to change my plan to them, but after two weeks of absolutely incompetent customer service, and sent out of our country every time,and with people who do not speak not speak English well, or listen well, nor not knowing what they were doing, totally stressed me out. Every time I called, I got a run around and repeat of automatic stupid, time consuming questions, and people not knowing what they were doing. I wanted to return to my old insurance in the United States in a hurry before the new year began. When trying to disenroll, I got a run around so many times it was insane all the way to the end. Nobody did anything right, and I knew that I did NOT want to go through this stressful circus every time I needed to contact them, and totally realized that their higher perks in their benefits were just not worth it. Show less.

Poor customer service. Spent 90 minutes trying to solve problem on telephone, to no avail. Representatives didn’t seem to grasp issues. Very frustrating experience. Asked to speak to a supervisor mid morning. No supervisor call back until after hours. Overall poor service.

I’m trying to get information to enroll for a Medicare managed plan. I got transferred 4 times and the last time customer service told me to go online website and select the plan I wanted. So much for customer service support!!! I just wanted to talk and get information before I enroll. Is it that difficult??? I gave up - horrible service.

I have UHC, the federal employee program. I cannot stress enough how terrible this insurance company is. It’s extremely difficult, if not impossible, to get the most basic test approved, like an MRI. I can’t even describe how much of my life I have wasted over the past few years trying to get an MRI for my spine approved. I can’t take it anymore. I’m switching this open season.

Another BAD REVIEW and COMPLAINT! If one is to look at the very poor reviews this sub-par company has, they would see the extreme number of ONE STAR REVIEWS compared to the very small fraction of 5 Star. This is because they have earned this position in the industry! Simply another perfect example how an unscrupulous business like United Health can survive in spite of themselves. America is infested with these exploitive and predator type organizations. They mail ads this time of the year to promote their Medicare plans that create the illusion you are receiving a Very Important Notice from them for Annual Changes!

I am very disappointed in the process of getting long term care for my mom who is 76 years old. I initiated the request 2 weeks ago and then I was told that I would get a call from the nurse to make the assessment within a week. A week passed by and no one contacted me. I called back a second time and was told the same thing. It has been 2 weeks with no updates. I asked to speak to a manager and the rude representative told me it would take 24 hours before a manager can call me! This is a horrible process and a horrible customer service. I do not understand why it takes 2 weeks for someone from this company to call me back and confirm an appointment. This company is terrible!

Truly awful company with useless customer service. Unfortunately it's the only option I have as the rest are extremely unaffordable, but if you can afford it, I HIGHLY recommend any other health insurance company over UHC. Wish the government would actually do something about the horrendous healthcare in this country instead of just put Band-Aids on it. For profit health insurance is one of the stupidest decisions ever made and the system desperately needs fixed.

This is overpriced insurance with very little coverage and what you get is what they decide. Not a contract or guaranteed care or what's written. They will not cover their own mistakes neither. You're just screwed on UHC crapcare program.

I've had UHC for several years. They have the worst customer service agents on Earth. I've called them MANY times and EVERY single time, I ended up talking to someone in The Philippines, who either didn't understand very much English OR they had the intelligence of a 5 year old child. So now that I'm ending my relationship with them, I finally figured out how to solve this debacle. Ask the Philippines agent to have someone in the USA call you back the next day. Trust me - they will do it. Trust me - you will talk to a MUCH smarter person and you are MUCH more likely to be given accurate information!

If I could give Zero stars I would. Constant denials on prior authorization required prescriptions with actual physician-peer reviewed to confirm and they still deny any appeals. When you call for answers, they said they changed their Tier level coverage and when you want to understand the denial by the medical staff, they say they don’t answer calls and they’re not available. You get offshore customer support that can’t do anything for you and it’s a complete waste of time trying to appeal because they will slow play it so you eventually give up. This company is pure evil, profit vs patient care 10000% every dr tells me they also hate dealing with United Healthcare. Go for Blue Shield PPO if you can. Just to clarify, I have United PPO CA and it’s top of the line. I pay over $330 out of pocket money for my individual plan and my employer covers the other 50%. They make so much money from you and won’t give a rat's ass if you die

Automated assistant. Horrible. I talked to a girl I didn’t understand very well. When I asked a question 7 times. She just started over with her script. I asked to speak to her manager 5 times before she put me through. He too did not speak English nor understand my questions. He again repeated his script. I asked to speak to his manager. He would not put me through. I never got the answer I was looking for. I believe they do this to make customers angry enough to hang up. We are ripped off by insurance companies already. This is the service we get for making insurance companies one of wealthiest in the world.

United Healthcare insurance company in collaboration with the Healthcare Resort of Colorado Springs basically is responsible for my mother's death. They didn't report to us that the hospital liaison was mistaken about the stay being covered, until her stay had accumulated hundreds of dollars, they believed the so-called Resort facilities lies in my mom's medical chart notes about her refusing to engage in physical therapy, when in reality she was extremely ill with a bleeding ulcer, pneumonia, and extreme pain caused by the fall that broke her tailbone and the reason she was in there. She was rushed back and forth to the Hospital for emergency reasons and could not do the rigorous physical therapy needed, so they wrote notes to United Healthcare giving them reason to kick her out of the facility with full blown severe medical problems and made us use hospice to watch her die at home.

Their customer service is awful. I have spoke to several agents over the phone and basically get nowhere. The latest is today 11/14/2025. UHC sent a letter which I received the end of October needing an authorization for a medicine I was just prescribed. I sent a message to my pcp the same day I received the authorization. Went to the pharmacy and still nothing.

I am deeply disappointed with my experience as a UnitedHealthcare member. When I needed coverage for a prescribed medication, my appeal was denied despite providing medical documentation and following the proper process. The decision felt more like a rigid adherence to policy than a genuine concern for patient health.

Is there a rating below ONE STAR??? My husband's work changed medical coverage on October 3, 2025. We were told that ALL authorizations from the previous coverage would be honored until December 1, 2025 to allow for continuity of care. NOPE! I have been on the phone several times with supervisors-most calls include a 45 minute hold time - to get my daughter's prescription covered. BOTH UHC and Pomona Valley Medical Group have FAILED to help our family. My daughter is now a month behind on her injectable medication that has helped her for over six years. UHC is blaming PVMG. PVMG is blaming the doctor's office. NO ONE IS TAKING RESPONSIBILITY! Maybe this runaround is due to the cost of her medication?

The program is a good one but every time I call it is difficult to understand the some of the people that I have talked to, and I shouldn't have to keep repeating myself over and over again, it's very frustrating!!!!!

Absolutely horrendous. This company was thrust upon employees with zero notice less than 45 days ago. So far they've denied me needed prescriptions, I can't understand anything their customer service reps say, and in just this short time they expected me to pay upwards of $4,000 in deductibles for non-elective procedures common procedures, which they advertise as free and preventative. Now I can honestly say that every patient nightmare with this company is 100% true.

UnitedHealthCare care the absolute worst. I can only hope no one is worse than UnitedHealthCare. Somehow how there was a mix-up at Social Security, and United Healthcare canceled my policy even though they knew the money was taken out of my Social Security check. United Healthcare had the nerve to ask me if I wanted to sign me up for the next year, even though they canceled my policy without me missing a payment. Never use United Healthcare!

Absolutely the worst customer service ever. They obviously couldn’t care less about the customer. Pathetic. Yesterday I was on the phone 27 minutes and talked to 5 different people only to get disconnected. Today I was on hold 57 minutes and gave up.

If I could rate this company 0 stars I would. After having met my deductible, and out of pocket max, they still deny payment on procedures (that were already preapproved by them), laboratory expenses, and other healthcare visits. They are the most fraudulent company I've ever worked with and they are dishonest in all their dealings. I have no idea how they can legally do what they do. I have even worked back and forth with coverage experts AT THEIR COMPANY and they are not consistent in any answers they give. They will tell you a facility is in network, and then the next time you call it's not in network, etc.. Save yourself the headache and go with a different company.

Do your family a favor and never do business with these people. Not only is it a nightmare to simply bury a loved one with all of the death certificates and documentation for verification, but after they receive 5 things verifying your loved one is deceased they somehow forget and will send your next of kin letter with the name of deceased for years to make sure they can't move on. I've moved 3 times since my mom passed 5 years ago and I still get letters addressed to her from these clowns. I'm praying there is a class action against them for harassment or emotional distress soon.

Ride service is a joke. They call at last minute saying they can't get a ride. 7 times a no-show, had to reschedule apps. UHC DON'T GIVE A SHIT. Avoid this company like the plague. Try Essence or any other company.

Clearly UnitedHealthCare doesn't care about reviews. Look at their rating. I have been with them for almost 20 years. I have seen them go downhill. I won't be staying with them for so many reasons. Typically I give a lot of detail but clearly it will make no difference here.

The Customer service was 5 star. A young man by the name of Walter was outstanding, taken so much patience with me on this fall evening. Around the time most folks are ready to leave and go home. This young man was able to change my plan & explain in full detail what I will be receiving. 11/11/25 @ call center 1-877-237-6101.

I’ve had an extremely disappointing experience with this health insurance provider. Despite paying a substantial monthly premium, I find myself responsible for the majority of medical expenses. For example, they refused to cover the full cost of an ambulance ride, citing that it was "out of network." In emergency situations, it’s simply unrealistic to expect patients—or even emergency responders—to verify network status before calling for help. Given the poor service and lack of practical support during critical moments, I’m genuinely surprised the company’s stock remains high. Experiences like mine raise serious concerns about the sustainability and ethics of their business model.

The coverage is OK but the hassle of dealing with these clowns is unbelievable. Over the past year, I've tried unsuccessfully to correct their false "finding" that I have another coverage that is the primary one. After 6 attempts and hours spent, the problem hasn't been resolved and several, not all but several, claims have been rejected. My latest call to them ended when I was told I'd have to call back later. Absolutely maddening and pathetic. This is one of the reasons people hate insurance companies.

I have been insured with United Healthcare since 2022, for one person, I pay almost $600 a month. I was told that I had full coverage and I had their tier one package, which I was told was the best. I broke my arm and they will not cover the surgery. They said to repair my broken arm is considered elective surgery. If you do the math, I’ve paid them over $25,000 in the term of service that I’ve had with them, and the first and only claim I’ve ever made when I really needed it for a broken arm, they denied my coverage. This is not a company you should have anything to do with. They are disreputable and deceptive. If they don’t provide the service you have paid for, why is it not considered theft?

Their telemarketing methods are excessive. The repeated business phone calls during business hours (despite repeatedly being told MULTIPLE TIMES to stop calling) are unnecessary and unwanted. The telemarketer was told several times we just renewed our health coverage and we were not interested. The same girl still calls everyday. I am the HR director at a small local water department and she insists on speaking even though she has been informed we have customers to wait on and do not have time for solicitation. I would purposely not chose United Healthcare for this reason alone. Their practices are pushy and rude. If you have to bully me into listening then I don't want your service. I would give zero stars if I could.

If I could give them no stars I would. The increase 100.00 per month every year for the last 2 years was bad enough. 1) They never covered anything not even a mammogram. 2) I asked them for a different policy to reduce cost and was told we can transfer it not problem.... Until I got declined. They did not pull the current blood test which has had issues in the past but with guidance from my doctor had a very good one in August. Did they pull that one, NO just so they could cancel me and now I have NO insurance. Thank you for NOTHING!!!

Very disappointing experience. UHC is highly rated by AARP which is surprising. The staff at UNC was uneducated concerning their own product. If you want a fair price for drugs you must us OPTUM RX, their preferred pharmacy or you pay an unacceptable cost. My doctors have a difficult time getting services paid and hate doing business with UHC. Do yourself a favor, go some place else. The ratings say it all.

My prescription was to keep the same dosage was denied because United Healthcare add some legal stating that their client must continue to up the dosage of said medication to keep covering for the medication. No medical knowledge was entered into the verdict, just some legal auto denial they made up themselves.

There should be a 0 star rating option. I have had 2 incidences of blood clots in my legs and lungs (2023 & 2025). After 2 years on blood thinners from round one of clots, I recently came off blood thinners. Due to a recent ankle injury the clots came back. My hematologist strongly urged me to go to the ER after several severe symptoms showed up recently. The ER admitted me to the hospital given my level of symptoms. Now UHC has denied my care as they said I should not have not spent the weekend and it should be deemed "outpatient" vs "inpatient." How is the patient supposed to know if they are being covered or not for a potentially fatal circumstance and to fight to be released with their care providers. UHC has ridiculous standards and policies and seem to be willing to deny a claim for me not knowing to fight harder to be released.

Why have I been on hold with United Healthcare customer service for over 45 minutes, with no one picking up the phone? Initially, the robo-voice stated that I would be helped in less than 10 minutes. I always feel that a situation like this speaks volumes about a company’s sensitivity toward its customers.

Why is it impossible to understand customer service representatives if your primary language is English? The background noise makes conversations sound like they are operating out of a sweatshop and they don’t understand simple questions. I had to spell “respite” three times and then wait on hold while they asked someone what that meant.

They really have the worst customer service. And I only have issues with the reps from the Philippines. Unless they are local and just have their native accents. But they don’t understand what I’m asking, and keep saying what they can’t do because they don’t understand. So on two of their reps, Priscilla and another guy rep, they wouldn’t let me do the survey on their call. Instead they put you on hold and try to wait for you to hang up. And if they come back and check that you’re still on the line, because I had time today, they just blind transfer you to another department to reset the survey. I hope their managers heard their calls because their business practices reflect so badly on this company.

Constantly denying claims. Deny claims for hospital stays that were deemed medically necessary, deny bloodwork that the doctor said is preventative care... Constant issues and very expensive. I really hope my work drops them soon.

Trying to call anyone is a nightmare. First an automated answering service tells you to use the app (btw doesn't let you log in or says you don't have access to the log in) when you do get ahold of someone the phone call cuts in and out and they say their servers are down and they can't help you anyway. You'd think with how much they bill you on the copays and rejected claims they would use that money to improve at least some aspect of their business.

United Health care dropped 2 of the hospitals in our area so we’re forced to find another Medicare Advantage Program which will be Humana which is fabulous. I tried to get on UHC website to collect some benefits but couldn’t get on. My husband tried also but the same story even though we have them for 2 more months. Very poor on their part.

I’d give them a lower rating if possible. Had a claim August of 2024, and only now in October of 2025 has it been finalized. Over a year of calling the support team, being left on hold for 10-15 minutes at a time. The only explanation I was given was that, ‘the claim needs to be reprocessed to be finalized’. Which it was then reprocessed 4-5 times, once again without explanation.

I’ve been with UHC for about a year and the doctor I wanted did not accept UHC then another doctor I went to wanted me to have an X-ray. When I went to the X-ray place they did not accept the type of UHC insurance I had so I had to pay out of pocket. All the while they’re collecting premiums from me but this insurance is worthless. Don’t buy it.

If I could rate them zero, I would. I'm a healthcare provider myself so I've dealt with them from both sides. They refused to cover a common preventative procedure that 2 physicians recommended, a colonoscopy. I'm over 45 which is the age that the US Preventative Services Task Force and the American Cancer Society both recommend starting this screening at. I'm pretty healthy otherwise so I have cost United very little while I've paid them for 3 years. What a deal for them. I cancelled my policy today and will never ever give them a cent again. And I know my complaint is nothing compared to what many have endured. Shame on the insurance industry and shame on United.

I had a mass in my stomach. I was ordered MRI. They denied it. 2 weeks later I had emergency surgery. Pathology found cancer. They call me and I’m honestly afraid to disclose anything to them. I don’t like they call me personally instead of my Dr. Horrible company. Luckily I got married and can continue treatment under my husband’s plan. Oh yea I’m left with huge medical bills. I hope they go out of business.

Last summer we planned to travel for 60 days, so I spent approximately 4 hours on the phone trying to find out. How I could get my prescriptions refilled. No one had the answer. Finally I was told by united healthcare rep. that I would need to go to an urgent care and they could do this for me. So I did!! Returned home and got notice that I did have preauthorization, so they were not going to pay. I challenged and got another letter saying the same thing. They refused to pay.

United Healthcare is the worst insurance company I have ever had in my adult life. I have never had any problems with health coverage until the current company I work for switched to United Healthcare. This insurance company makes sure that members are left with the debt of any hospital visit by covering the least amount of the bill as possible. Anything from admin fees to even a simple injection is not covered for members, much less work done that takes care of patient needs. United Healthcare is all about getting paid and big pockets for them and their investors than taking care of patients' needs.

The worst health insurance company I have ever had to deal with. Had to fax over a continuation of care request from myself, and my doctor to include receiving Continued Care through John Hopkins which they are currently out of network with. In order to be eligible the continuation of care needs to be sent to them. It had been sent to them five times and they're still claiming they haven't received it. We called United Healthcare 3 weeks ago who confirmed they received the facts, but called back again this week and they're saying they never got it. Each rep will tell you different stories. If you do get an answer please get it in writing as they will go back on their word.

Had pretty good service with United Health Care. Running into a problem nobody can or will take care of it. Am a diabetic who work myself of insulin so only take pills wax on glucose monitor. United healthcare won't cover glucose monitor anymore because I'm not on insulin. The problem is I have a rare blood cancer that can mess with my glucose but united healthcare say that's not good enough in order to get the glucose monitor. I have to be on insulin. They have not backup to their reasoning. No one you can take it to. It's been appeal after appeal and 9 out of 10 of the people on the appeal boards are not doctors, number one problem. Number 2 problem is when I call united healthcare phone number in Minnesota, I get someone in the Philippines. Why does someone in a different country have access to my information

This company was OK until it stopped sending out the billing forms. When I called about it, I was put on hold! The people answering the phone don't know what to do. Now it's time to look for another health insurance company!

I have been with United Healthcare since January 2025. On the 17th of October, I put in a call to ask a question related to a charge. Before the representative ended the call, she asked me a series of questions. I responded to her questions and she concluded that with my policy, I qualified for rewards totaling $45 for October. When I questioned her as to why this was the first time I knew about rewards for one being exercise, movement. When we hung up, I wanted to know why I never new this benefit, so I called again to get me information. I found out that I would have qualified every month from January, 2025 to September, 2025 as I did for October. I had a heart attack in early 2023 and my doctor wanted me to go to rehab and continue to exercise for my health. After rehab I went and bought a stationary exercise bike. I have been religious in exercising every month since.

United is a huge headache. They tell you one thing over the phone and then go back on what they say and tell you the opposite when it’s inconvenient for you. They do not want to pay out, and you have to double check everything and step on egg shells to not get stuck with a large payment.

This is the worst healthcare company; I've been on a medication for over thirty years and just recently UnitedHealthcare required a prior authorization for this medication and denied the use of the medication due to a normal blood test. UnitedHealthcare employees obviously don't realize if you're taking a medication consistently you will have a normal blood test result. That's Why it's called Medication because it corrects what is wrong. Their companies' policy must be to deny as much as possible. Obviously, they don't care what kind of health risk they cause by denying Medications to patients.

I had the pleasure of being helped by Najwa R. She was so patient and very informative. I couldn’t have asked for someone better to assist me. She took me through every step and on top of that helped to the most she could and normally people don’t go way and beyond. I hope her bosses see this and realize they have a gem.

The representatives that assist with United healthcare are terrible. They are not helpful. They don’t listen to what you’re saying and are rude in their process. They deny receiving request for cancellation of their healthcare program, therefore delaying the cancellation and collecting extra premiums. This is a very corrupt and dishonest company. I would not do business with them.

I Do not trust UnitedHealthcare. They flat-out do not honor their own policy. I was denied coverage for a service that was clearly listed as included. When I contacted them, they gave me the runaround, looking for technicalities to justify the denial. It feels like they’re in the business of collecting premiums and avoiding responsibility — not providing care. If you’re considering them, think twice. When you actually need support, you’ll likely be on your own. This isn’t just bad service — it’s predatory.

Spent over an hour trying to get information and was transfer 15 time and none of the people who I spoke with was the right department. Be aware that you will be on the phone for a long time if you are having problems with anything that you want to know anything like benefits to have the correct person to talk to.

Customer service worse than the IRS. The automated system is highly inadequate; You have to shout and repeat yourself multiple times before it can process the information. The agents are rude, very inept and have little to no desire to assist with questions. Specifically, one rep put me on hold and never came back after waiting for 5+ minutes; Called back, took another 5 minutes getting through the automated system to get to another agent who claimed he couldn't hear me, yet responded every time I spoke. Is it so hard to hire ON SHORE customer service reps who understand insurance and claims policies who can actually assist providers?

My husband and I had the Dental policy under United. Was told if you use up your reimbursement can cancel at any time. I called Sept 4th to let them know to cancel my husband's dental, he had used up the 1,500. Was told no problem, Oct they deducted his premium, I called and was told that was a mistake, I would be reimbursed, three phone calls later, on the phone for countless hours and still no reimbursement. I feel that the people I spoke with, tell you what you want to hear, just to get you off the phone. This is unacceptable ad I will be going with another company in 2026 for my dental.

Worst Insurance ever. I need an MRI on a thumb that I can no longer use. My Dr. requested the MRI and the advocates at UHC denied the request saying it wasn't necessary. Now I have to see an orthopedic surgeon and probably pay out of my pocket for surgery. I pay my premiums on time, right out of my paycheck - never late. Now when I need them the most, they have failed me! I encourage you to shop elsewhere if you want a company that cares about you and your needs!

They won't advocate for you when you need help, and if you ask a question, you will receive different answers from different agents about the same topic. They put me on hold for over and hour...never came back to the call, then disconnected. This has happened multiple times.

UnitedHealthCare is Trash. It's impossible to log in with the app.. They have very, very, very poor customer service.. My 9-year-old granddaughter could do a better job... As soon as October 15 hit I'm getting away from these people... RUN PEOPLE RUN!!!!

Horrible people and I hope they go bankrupt. I really dislike them as they make it so time consuming to do anything. It sure seems like their business plan is profitability by bureaucracy. I have to put so much work in just to see if they will attempt to accept a bill but never know until the bill come. Then come to find out, for any one of a thousand reasons, they decide which reason to use to not pay. My healthcare shouldn't be determined by someone like this company.

What they're doing should be illegal. They've denied claim after claim, they've sent me to doctors in their portal that were out of network, it's the worst customer service you've ever had. Nobody who answers actually knows what health insurance is, and they are trained to tell you to wait 24 hours if you ever catch them in their lies. Do yourself a favor and pick any other company. If it's about price, SPEND THE MONEY. You don't want to be trapped by this company. One more month til open enrollment!!!

Trying to get an answer related to a dental claim. One phone call that could not understand the foreign accent at all. Second contact was via chat with a lot of verbiage that didn't answer my question. Called a different number that was supposed to handle my issue, but they didn't give me an answer, but provided a fourth number to call. Worst customer service. Guess they figure if I got bounced around enough, I'd give up and go away.

This is the slowest company to process claims. Different representatives tell you different things. Supervisors don’t call back when I ask to speak with one. Waited one week, no one called. This is the worst insurance company. I’m going to the CEO next, cause they too damn slow.

This is the worst health insurance company I have ever dealt with in my entire life. They don't understand what you are asking when you reach out. They don't care to understand and don't ask questions. They don't understand that there are levels of mental health care? Even when talking to a supervisor, I was completely annoyed and they tried to continuously have me log out for inactivity on my account because they no longer wanted to deal with me. No wonder there are thousands of awful reviews for this company. I'm so unbelievably frustrated.

What's the point of having insurance if they only cover 10% of the bill? Can't find a primary care too. Everything is out of network, and don't go to an emergency care clinic or E.R. They won't cover anything. Really hope my cheap company decides they care about their employees enough to get us better insurance next open enrollment.

I have been very ill for 6 yrs now. Lung disease incurable, sarcoidosis and severe superimposed sinus infection. I have now become resistant to antibiotics. I currently have untreated pneumonia and I can do nothing about it. I found the cause! The solution, an urgent sinus surgery to help me breathe better, drainage will be corrected. They denied this 2x. They will be responsible for my death. I loathe this company. I fought so hard all these years only to be obliterated by UnitedHealthcare. Hundreds of antibiotics, pain, infections, hospitalizations. You will be held accountable for your actions. Shame on you.

If I could give zero stars, I would! This company does not care about you or your health. The only thing they care about is money. Their prices are so ridiculous that it almost is impossible to receive healthcare and when you are considered “not a good customer” because you have met all your deductibles halfway through the year, they find and do whatever they can to kick you out of their policy!! For an $11.47 error!

They lie. Told me same coverage as I had plus more. Now MRI $230 cost to me. Dental, called 3 of their dentists. None accept the coverage. They found me a dentist, much further away, first appointment in 4 weeks. It took over an hour of my time on the chat then phone to find this garbage out. The worst. It’s easier to pay for it myself. I’m 76. Worst insurance I’ve ever had. Stay far away.

I’ve only had United about a month and I’m already severely displeased with their service. I have a chronic illness, CVS, causing me to have severe nausea and vomiting for hours on end. I occasionally end up in the ER due to severe dehydration and certain proteins/etc. in my blood work being way below range from the consistent vomiting. This also causes numbness and tingling in my hands, feet/legs, and mouth/tongue. This past ER visit I was so dehydrated they were struggling to find a vein for the IV because mine were all collapsed. I am then mailed a letter (on my birthday too) saying my ER visit will not be covered because I “was stable and did not require the level of care I had received”. This is absolute BS that I will be fighting. United would rather you die of health complications than do their job and assist paying your medical bills! Would give 0 stars if I could.

I wanted to let you know that I am unhappy that UHC does not cover X-rays for my foot doctor. I have had 2 foot surgeries this yea. It has to be done for healing progress so the doctor can see if it is healing so I owe an additional 100.00. When I brought this to their attention at UHC the guy said if I were to go else where out of network it would cost me more than that. I will not choose this insurance ever again and will tell all of my friends not to choose UHC going forward.

I have had UHC through my employer now for less than a year and completely believe the horror stories I have heard now. If you think health insurance companies care about your HEALTH that's false. They care about squeezing out as much money as possible from working people to fatten their pockets even if it is through fraudulent practices and a complete lack of accountability. My dentist requested my coverage from UHC prior to me agreeing to complete $6,415 worth of orthodontic work. UHC faxed over my coverage, with my name listed as the patient right at the top, stating I have 50% coverage for ortho, no co-pay, and no age restriction for this coverage. If I log in to my app, it states I have adult ortho coverage, if I log in to the website it states I have adult ortho coverage. I agree to the work with this info, knowing that UHC will be covering half, and after the work is completed and the claim is sent to UHC, it's denied.

I'm a retiree who will be visiting Thailand for 3 months. United Healthcare Advantage in Florida, tied to AARP refuses to give me a 90 day supply of my HIV medications. I have spent over 10 hours on the phone over past week with no resolution. I will be filing a complaint with CMS and AARP but don't expect much help there. If you have any kind of chronic diagnosis, so use a UHC advantage plan.

At the beginning of the year they covered my medication. In July they decided not to cover this medication which was effective in raising my levels. I am confused on they can play these games with people's healthcare. They also denied my wife the only viable treatment for her condition known as Cervical dystonia torticollis with tremor. So disappointing my company decided to use them this year.

My Agent called on July 1st (Have proof of call) to cancel my policy because I went on Medicare. Marketplace and United Healthcare constantly denied canceling it on July 1st. They would only go back to July 15th. I called on the 15th to see why it wasn't canceled. I even appealed the ruling and they still denied it. The only reason I can think of why they are denying it because they want 1/2 month premium, even though we have proof of the call on July 1st. I would not recommend this company to anyone, not even my worst enemy.

I pay hundreds of dollars a month for no coverage on yearly visits which should be covered but doesn't, even says in my contract. Now stuck with over 800 in charges for "covered" services. My son who is 10 had dental work.. "Covered" services NOT paid again. I'm fed up.

Called to get myself taken off a plan I was unwillingly put on. Gave context about how I am no longer in contact with who put me on it (my father) and the representative crossed professional lines BY FAR and said that I should let him back in my life and just ask him. Not her business nor professional at all. I NEVER write bad reviews, but that was horrible. Didn't provide me the answers I needed either, thanks guys.

To United Healthcare: I am shocked by the lying, unprofessional and absolutely unconscionable behavior you have exhibited. I used to be the first one to defend and support your company. But now? I’m not sure if you are hiring based on how poorly an employee can do their job, but it sure seems like you are leaning in that direction. You have said one thing and done another over and over and over and have played with my mental health while wasting the time of an incredible surgeon and his staff. There is no reasonable explanation for the lack of actual professionalism or accountability you are exhibiting. You have taken my support for your company and managed to drag it through the muck and throw it in the toilet. It’s shocking.

This has to be one of the worst websites on the planet. Terribly user Unfriendly, and I have issues logging on EVERY TIME I have to visit. I always save my passwords in two places digitally and also print them out, yet I have to change my PW every single time.

I am regretful that I ever purchased the Supplement Plan with United. Increase in premiums to almost $400 a month after 8 years. (Started at $150.) Then to top it off, I received a bill for a recent outpatient hospital surgery for almost $500. I was appalled. They did NOT cover the whole cost which made me furious given the inflated premiums I am paying. I see why they have negative coverage in the media. I will be switching to a local Advantage plan. I am aware of the drawbacks but this is the last straw. Money hungry and probably feeds those at the top while squeezing the little guy. Good riddance. I advised consumers to stay away.

UHC is the worst company I've ever encountered in my life. The reps have no knowledge of what they're doing. Always rude and cannot help anyone. They leave you on hold for 45 minutes or more. This is insane. Not professional at all.

Truly awful communication. I signed up for COBRA through UHC and it has been a part time job to get ANY information about this account WHICH I AM PAYING $525 A MONTH for. Trying to use their communication portal is impossible.

I wanted to leave a fantastic review for Narissia, a customer service representative that I just spoke to on the phone. She was extremely knowledgeable and helpful with my situation, and has a beautiful personality!

This company has put us through hell and I don't wish this insurance company on anyone. Their customer service is truly awful. One dept will tell you that something is wrong and they will help you then lie.

I have United Healthcare Advantage, my doctor referred me to orthopedic doctor due to bone on bone in my knees. The orthopedic doctor was in network and suggested gel shots. They sent this information to United Healthcare, nothing came back to saying not covered or what the cost was going to be on my side. Once you start the shots you have to complete all 3 or insurance won't pay anything. Every shot I had cost me $297. Plus what they refused to pay other than the shots. Worst company I have ever had for health insurance. When I called about the cost I had to talk to someone with OPTUM. The girl really didn't care, said I should have called before I had the procedure. The doctor's office did send in prior approval and United Healthcare stated no prior approval needed.

I was on the phone with UMR for 30 minutes because of a previous account with them, and I kept getting rerouted. The UMR rep Sandy, was phenomenal. She tried twice to transfer me to United Healthcare. I have an eye appointment I now need to pay out of pocket for because I have no "active benefits", I am covered through my work and I called to try and find out why. The UMR rep told me the UH reps said they "Do not want to take my call." Because they couldn't find me in the system. Her and I agreed that is laughable customer service. She even gave them a hard time and they told her twice they "Do not want to talk to me." And that I need to speak to my HR manager. That response and the fact they wouldn't even explain the problem is a clear indicator of what their customers mean to them. United Healthcare is a joke. I am livid.