UnitedHealthCare Reviews

I have a PPO plan and they constantly send me a bill for one claim 3 times or more. If you pay it more than once you have to wait for a reimbursement that doesn’t always come, they overcharge claim after claim. Went to a covered doctor for diabetes, and they charged me $185 because the doctor reviewed my Blood sugar data. We’re nothing but profits to them.

My only regret, like so many others, is that we can't leave a zero star or negative 50 star review. This is hands down the worst, greediest, most completely useless blood sucking needless middle man of a corporation on the planet. They do not deserve to be in business. They frequently put their unrestrained greed over ANY sense of patient care. Check their claim denial rate vs literally any other of these self necessitating plagues masquerading around as "insurance" companies. They are bar none the biggest joke of a company to ever exist, and I pray upon prayer that they go under before they destroy any more lives.

This company provides you with a generic policy, told me I had 2800.00 high deductible G plan but charged me for a Regular G plan. I never used it since I wasn't in the hospital. It was until I started looking at other providers until I realized what they did! I am 25 yr retired law enforcement. Makes it even worse! I have contacted the Ohio oversight and working with them. I am not expecting to recover a dime but I hope I can help others. Need health ins contact your local ins that you know and trust! Most offer same service at same cost. I checked

United Healthcare is the WORST insurance company in the country. Denied my pre authorized hospitalization to have a tumor removed. Leaving me with a $100,000 hospital bill. United Healthcare just denied my much needed ** patch that I've been on for years, telling me I have to go on their approved medications. My doctor sent a pre authorization and noted my prescription is medically necessary and United Healthcare STILL DENIED MY MEDICATION. DO NOT GET UNITED HEALTHCARE. You will deal with multiple denied claims, forced to jump through hoops and forced to take medication THEY want you to take, not what your doctor determines you need.

$425 co pay for medicine my grandfather NEEDS TO LIVE! Absolutely disgusting. United Healthcare is the biggest load of garbage and barely any doctors' offices take it, which makes sense when you see how extortionate and selfish they are as a company.

United Health Care part G supplemental. United health care customer service is worthless. The representative that handled the application for the policy misled me about the coverage, you better read the fine print. They keep calling me, leaving no messages, or when I call back they don't know why they called. They outsource their customer service to other countries, mostly the philippines and the representatives don't speak english well enough to undrstand what the customer wants. I finally got through to the "Customer Loyalty Team", the rep gave me the wrong 10 digit extension number to contact her, the prompt sends you to a genereic voicemail, no call back. This company should be invesigated by the FDA, the Department of Consumer Affairs, and the US Attorney General's office for giving false and misleading information, and geneal incompetence.

Continually raising UHC Part B coverage rates. Increased Part B supplemental rates approximately 300% since coverage began about 7 years ago. My UHC prescription cost soared from $38.60 per month in December 2024 to $64.00 a month starting in January 2025 which is a 65% increase. What this company has done to its customers the past few years is criminal in my opinion.

Never really had a bad experience until these past couple days, when they refuse to authorize a medication I’ve been taking for years. Giving me strange reasons as to why they aren’t approving it, despite me saying I’ve taken it for years and that I had to buy an emergency supply of medicine out of pocket. Not sure what has changed, but can see that they truly are money hungry and don’t seem to care about their clients.

Was on the phone for over an hour trying to get someone who can speak properly English cause my plan is messed up....worst company ever!!!! I advise to go to a different carrier....I'm just a worthless piece of garbage. Thanks UnitedHealthCare..

This company gave me total false representation when getting me to take the plan. They boldface lied about drug coverage and did not make any effort to correct the problems. Do not waste your time with them. Customer service line is awful and no resolutions are ever met. They obviously care 0 about us the patient and it shows. Do your research on the internet about the company. I sadly did not until after I had accepted the plan and began experiencing so many problems. After some internet searches it became so obvious what a mistake I had made. The reviews are awful and they are the #1 claim denier. Apparently not only with claims but drugs also.

I had two United Healthcare chat representatives each review my plan and assure me a vaccine was covered. They did not direct me to the correct portion of my plan, they did not indicate that I was responsible to locate this information on my own. No, they confidently told me it was covered. When United Healthcare denied my claim and I appealed, I was that I could not rely on the information their staff provided to me.

Called to ask about a ct scan copay.. 250 they said. Florida blue only charged me 25.00 on my old plan with them. Needless to say I'm dropping United asap. I have a aarp advantage plan that's not what they claimed it was. Was taken. Hung up on me before I could ask another question.

United Healthcare told me they would not pay for tooth extraction until my dentist sent the proper paperwork. Then they told me my dentist's office workers were incompetent and did not understand how to fill out paperwork. Then they told me that my dentist's office was demanding they do something illegal. This runaround lasted for four months. Dentist would not continue seeing me until money paid. I refused to pay because United Healthcare supposed to pay.

I am supposed to get 34 rides to medical a year, I had to wait four months to get my eye Dr. appt., called this morning on the phone for 75 minutes to be told they can't take me..I can't even get one ride, always problems. I would never recommend and I'm changing insurance companies ASAP, United you stink.

Everything was fine with UHC until June 2024. After that date every PPO doctor visit and one vision lens claim was processed by UHC as out of network/specialist or just not covered at all. My out of network PPO copay is $25 but they paid the claim as a $65 copay. The total is $243.30 out of my pocket for previously covered doctor/vision benefits. I attempted to file appeals with UHC but the online appeal form required my service provider's Tax ID Number (TIN). That information (TIN) is unreasonable, not relevant, and very difficult to obtain by me.

This UnitedHealthcare company has fabricated false medical statements about the patient in order to deny coverage. The company completely ignores the patient's doctor's statements in order to deny coverage. From the patient’s nurse to every level within the company, there is no one to communicate with because they’ve built the rejection process on lies and false stories. There’s no room for discussion, not even about the claims. My mother suffers from diabetes, high blood pressure, and kidney failure.

I used to have have United healthcare silver this year 2025 in January. I switched to UnitedHealthcare bronze. When I switched, my old plan was inactive because I was switching plans so I did not pay for the month. I switched with United healthcare marketplace. They sent over the paperwork for it when I first called because it had not been updated. The woman told me the plan that I had supposedly signed up for, wasn't in the system. I called the Health Care marketplace again. They had to send my information three times to UHC. The second time it was sent they said they received the paperwork and it was supposed to start February 1 but UHC put it as March 1. I called to ask them to change it and the paperwork said February 1. They sent it to the escalation team the escalation team instead of fixing it, put my premium for my new plan on my old plan and made it to where both healthcare plans were inactive.

Poor customer service. Money oriented. Health have no value. I just agree with all the public critics about this company and the events over the last months. While everybody works for profits, this company makes billions of dollars with the lives and health of human beings.

This company has bad customer service when it comes to approve medications. I have to call every month since December to get 2 medications approved since they have a conflict with each other. December and January after I call them a couple of times and get transfer I have gotten them approved. But there is a lady who is totally rude Kim who does not help at all and she mentioned I had to get it appeal and I had to call another number.

Samone (pseudoname) and Keke J spoke with today. I was upset and actually had no faith in my issue being resolved today. Keke was very pleasant and courteous, efficiency top notch as well. Simone blew my expectations of UHC through the roof in an amazing well. Both ladies are very smart, know their material and need to be commended for the exceptional customer service in handling my needs as well as helping me navigate the UHC website and app!!! Whoever trained them did a great job and I now am glad to call UHC, HOME. TYSM!!!! KUDOS #metooUHC -🤟🏾💯🩵Janeece**

I started UHC through ILONEX 2025 and every single claim was denied for bogus reasons. They insisted they didn't have to pay because I had another insurance policy active. Wrong. They just want to rake in funds and not pay out the insurance we all pay for.

Absolutely horrendous. NO TRANSPARENCY on changes in coverage. UHC blames the company you work for related any changes, but denies claims left and right. When you call to speak to representatives, they are unhelpful, have no care or respect and simply state "it's your plan, you should know your benefits, check your details." DEFINTION OF CORPORATE GREED and UNEMPATHETIC. Require physical and bloodwork as part of coverage (otherwise charge you additional $500 fee annually but refuse to pay for said services). Complete crap.

Why do I pay premiums every month in excess of $900 and I still get hit with a $5,500 copay for a routine, outpatient, minimally invasive procedure. My costs monthly do NOT exceed my premium costs yet I’m still on the hook for nearly 6k for a ROUTINE OUTPATIENT PROCEDURE. Absolute crooks and DISGUSTING individuals. SHAME ON YOU.

United Healthcare is the worst. They have denied to cover my son's medication and medical formula (he has PKU) even though there is paperwork stating that it should be covered. And when I say denied I mean denied over, and over, and over to where he ran out of appeals. This insurance is terrible. Terrible for your employees, your families, they will find any way to not have to pay. I know it looks like better and shiny new insurance since you barely have co pays, but that's exactly the problem. Since you barely pay any co pays or anything they are more particular on what they cover, especially if you need it.

Biggest idiots in the world working at UHC. For an insurance company, no one knows anything regarding my billing questions. Always being transferred without being told why or who I am being transferred to. Using the phone to plug in information for the AI phone assistant doesn't work. I really want to write something nastier as I believe it would be equal to the nasty service UHC provides. But I will refrain.

This company is hands down the WORST I have ever dealt with. My husband's company unfortunately uses them. My husband got a new job in OCT and signed up for life insurance for us both. Money has been taken out since the beginning for both policies. My husband has made several phone calls which were not answered and left messages that were not returned. Today Feb 18th finally he spoke to an agent. Turns out UnitedHealthCare denied both policies. Yet took quite a bit of OUR money illegally since they chose not to cover us. They are criminals crooks and liars. Avoid at all costs.

A really bad company. The representatives I have spoken to are hostile. United Healthcare does not like customers and are nasty people. I give them a negative customer satisfaction. I highly recommend staying away from this company if you are a human.

I have been waiting (2/18/25) for over 5 hours in a surgical center waiting room to get an updated authorization for my daughter who was prepped this morning at 6:30 am for a total knee placement but the MD decided that because of her age (40) he will do a scope and repair. Office staff been waiting/trying and I am calling and still cannot get an authorization. When 1 person is not on break, or it's on a priority list, call back in 1 hour. You name it, we have received the excuse. Yet my daughter is still prepped and waiting and I am still sitting in the waiting room. If one's life was dependent on getting an answer, my daughter would be dead.

This insurance is so outdated. They are so far behind when you use their U card they send a check to pay your utilities. Yes a check. My services have been shut off because they cannot pay my bill until almost 2 weeks later after it is due. The best insurance is Devoted. Stay with Devoted I cannot wait to get rid of this insurance. I’ve heard also from my neighbors. They had the same problem get rid of UnitedHealth as fast as you can find a insurance that is more upgraded to modern day billing.

My employer switched us to this plan during our last benefits period. My prescription have tripled. My generic migraine medication, **, uses to cost me $10 for a monthly supply of 12. United healthcare considers it to be a "Tier 3" med and caps me at 4 per month. The cost? $76.22. I can go to Mark Cuban's Cost Plus drugs .com and get 30 for $25. We are being fleeced.

This company is completely unorganized when it comes to customer service. Every time I call I get different information and the wrong information at that. When I signed up with this policy, I was assured my Mounjaro would be a $25 copay as with my previous company. Once I signed up they proceeded to tell me I had to pay the full amount of the 1300. I am a diabetic as well. The people on the phone that you deal with are very nice and very pleasant, but nobody seems to understand what they're talking about. And when you ask an in-depth question no one can give you an answer. Will be switching companies immediately.

UHC is one of the worse insurance companies in the US. When I read and see what people are going through to get legit coverage and then to find out the CEO was making over 10 million a year, people have the right to be upset. I’ve been dealing with UHC for over 10 years now and know just what everyone is going through. I’m one of the fortunate ones because I work for a company that pays them millions a month for insurance so when I involve them, things change!!

Attention Federal Employees and Retirees… United Healthcare Insurance does not care about your health!!! They will reject any procedures or MRI’s required by your professional primary physician. They also denied most medications required for you by your physician! This company is a scandal and is not concerned about your Health! I will not renew my health insurance with this unprofessional company!!! Beware if you plan on changing to this Company!!!!

They don't really cover anything really. Almost all medical billing is applied to deductible. I have a top end plan, that costs a lot. Will be looking for another provider that covers more medical costs than this outfit. Look around and only use them for last resort.

This insurance feels like a scam. The coverage is so poor and members end up paying a whole lot out of pocket! It’s unfortunate that people have to suffer from financial stress in addition to their acute illnesses and chronic health issues. I hope the government makes a law that standardize healthcare coverage across all insurance companies.

I recently changed health insurance companies because I needed a PPO. I have made a very bad decision and I am very very unhappy with AARP Advantage United Healthcare PPO Plan There is so much out-of-pocket expense, I have to make co-pays on everything they have denied several of my prescriptions that were always covered in the past by my previous insurance company. You have to fight with them on every claim and every prescription! This AARP Advantage plan should not be called an Advantage plan but is should be called Disadvantage plan. I will definitely be changing back to SCAN next year. United Health Advantage PPI plan is awful! Also, shame on AARP for even allowing this plan to be recommended by their company. They are ripping off seniors!!!

I have been transfer from one department to the next and for 4 weeks. I'm literally on hold now for the last 37 minutes. The agent place me on hold hasn't come back to check on me or update me on his finding. Very unprofessional and just a waste of time. I filed a claim and have been waiting for 4 weeks for the reimbursement. I was told 7-10 business days from 1.21. I called after those days had past (was transferred and hung up on for 2 hours) only to be told I have to wait another 10 business days before they could do anything (Like stop payment and resend)

I have severe hearing loss. I'm also disabled. I live on my disability income and that's all. UHC has the WORST Hearing aid BENEFITS FOR SOMEONE LIKE ME. They have their OWN brand of hearing aid that they will pay for or you can get an over the counter hearing aid. This is not helping people like me. You are forced to take a hearing aid, that they say is as good as a brand name hearing aid. And it's not. And over the counter hearing aids are for people who have slight to medium hearing loss, so those aren't for people like me either. They have the biggest scam going on hearing aids and eyeglasses. Eyeglasses have to be ordered online from a brand that they use. With the way they treat people who choose their insurance company it's ridiculous and unethical. And no wonder a person took matters into their own hands with this company because they don't care about people. They care about making money.

They kept messing up orders and getting address wrong. I did nothing to them. Worst healthcare. Do not recommend. Bad customer service. Long wait times. All immigrants speaking. Unable to speak to a clear talking person.

They make everything as difficult as possible in every way possible. If you can find a different company I suggest you do so anybody who has ever had to deal with them knows it. Ask anybody in the medical profession and they will tell this company is awful

I have United HealthCare dental insurance. The plan says that everything is covered up to the first $4000 in dental costs per year. An old filling fell out and the dentist says I need a crown now. They said without insurance, it'll cost $620. With insurance, it'll cost me $540. HUH?!?! United Healthcare did the same thing to me with a procedure I had done a few years ago. So much for that $4000 coverage. 🤦🏻 When I called, they said, "Yes, you're covered for the first $4000, but there are some procedures and codes that it doesn't cover." She listed off like 100 of them. TOTAL CRAP! Keep putting them on blast.

Company hired attorneys to stop people like me from telling you what a garbage company this is. They will DENY you for everything.. They are TRASH and can't wait for this company to seize up.. I dare them to come after me.

If I could give less than one. I get an email Jan 17th, saying I am getting a new card. Today, Feb 11th I called, could NOT understand the foreigner I talked with, asked where my card was, wow unbelievable.

I have had UHC for a couple and they suck. I don't recommend them to anyone. They don't cover half the things other insurances cover. They cover dental and doctors but they don't cover the procedures The exams they'll cover but to procedures you can't get done because they won't cover it for you. I have epilepsy and I struggled with them multiple times with my epilepsy medicine. They shouldn't even be a health insurance company. Honestly they are all greedy people. This doesn't even deserve one star. I highly recommend if you're looking for health insurance that you go somewhere else. Molina is pretty good along with other ones that are not United healthcare. Please do not consider United healthcare an option in your insurance decision And I had the option I'd give it no stars but I don't have a choice. They're forcing me to put a star on there so I'll lie and make them think they're worth any star.

AARP United Healthcare claim to give you benefits every quarter. Every time I tried to use my husband's card to get OTC products it never worked. What good is the 40, 50, or 60 dollar credit if you can't use it? They should give you a check that can be cashed for $ so you can buy what you need. OTC benefits is worthless!

United Health Care used to be great, it's now the biggest scammer on copays and appeals around! We're one of the scams like $2000 in copays appealed. Please do read up on consumer complaints dated 2/10/25.

UHC is the worst of the worst. It took me 3 months to find a primary care provider. I kept getting the run around until I got a lawyer involved. The crappy doctor I saw gave me false information, never looked at me once. This is why the CEO is bye bye. The public isn't going to tolerate bullshit and thats what UHC is. Let's put them out of business.

I use their app because it is supposed to be the best way. It has a feature to chat with a rep to get answers. The people that "help" you do not speak very good english. I asked how to get to explanation of benefits, so they told me how to get to evidence of benefits. The nurse practitioner I see is a member of their network simply because of where she works. UHC support staff say she is not. I also searched for a new provider and the app suggested a dermatologist (sp?). I also at one time searched for a dentist. This was a huge waste of time. Their lists of providers is a disaster at best.

They would not cancel a fraudulent account setup in my wife’s name which canceled her insurance from the state. My wife is dying and they need to cancel it for the state to reinstate her insurance. UNITED HEALTH CARE ARE KILLING AMERICANS!!! How dare this company still be allowed to operate. I hope no one joins them. I will bring this matter to light!

I do not like this United Healthcare Advantage plan, United Healthcare only pays half of what my other healthcare plan offered, doesn't give nearly enough for dental or the spending card you will be paying more out of pocket with this plan. I only switched because I had to. My hospital only accepts UHC and Anthem now. It really hurts taking this big loss being with them so check around if you can get much better plan than they offer.

I purchase hearing aids from a vendor not on the UHC approved list. I spent $3,200 that only asked for reimbursement of the amount UHC would have spent had I gone to their provider. I have asked what it would have cost UHC had I gone to their provider and not even this supervisors or managers will provide a simple answer to this question. Since this company does not operate ethically I will never buy insurance from this outfit again for the rest of my life.

After remaining loyal for 10 yrs UHC raised my monthly fee by 20% and added a $340 yearly deductible for my medications. Goodbye, I’ll be leaving in October. This is just complete GREED! This is your loss!

I have been fighting for OVER A YEAR to get a refund for all the copays I overpaid (by a lot) for. Via state extra help my brand meds SHOULD have been 10.35, and generic SHOULD have been 4.15. Extra help gets retroactively applied to the date of application, so from June to mid October, I massively overpaid for my part of the costs. I have called United Health numerous times (I've honestly lost track), filled out their forms (which is always no, this one. No, no, this one), and keep getting the runaround. Call back after this date, no, it's still processing, add another 60 days. $553.50 isn't much for UHC, but for me, it's a lot. And it's money I and my family need. I know that this is a widespread situation as CMS and Supreme Court have ruled for immediate refunds in cases like this which UHC is STILL refusing to comply with. This company needs to either be completely overhauled or just flat out shut down.

I'm so disappointed in this company. Signed up for him promise me all kinds of things. Extra help so forth because I'm on SSDI. Almost a year later I received the bill for $460 saying I was supposed to pay monthly premiums never told I had one when I signed up. I would have went somewhere else. Can't even afford to go to the ER. It's $150. And still owe over $1,000 even after paying for all the doctor appointments and so forth. They promised to help me because I'm on SSDI. Never came through.

Giving them 1 star is too high. I had to speak with several people to try and handle a matter which was never done! I had a quarterly allowance I was entitled to that I could not use, it was taken from me even though promised by couple of Reps I'd be able to use by the time my card was replaced, I was transferred over & over, hung up on, left on hold, etc. This went on for couple days. Horrible group of reps if you need a simple problem solved!! Still no resolution.

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

Oh I will give a factual review alright. Run as fast as you can from this company. If your job has them refuse it. Find another job or whatever you have to do. This company is absolute trash. They play Dr without a license and your Dr has to wait for someone from India to talk to if there are issues. Then they will just deny your claims. If I could give a negative star rating I would. Anyone saying this company treated them well is probably being paid to say it.

I have been on a diabetes medication for about a year. Aetna accepted all the records my doctor sent and I have been on it every since. Now the company I work for, decided to switch to UHC. I have been fighting them for a month with the help of my doctor and cardiologist. They have sent UHC the records but they just don't want to pay for it. Completely understand why so many hate this company. Profits before clients.

Do not sign up for their insurance. They dropped me because they tried to charge my card, but the charge did not go through. They did not contact me. They just dropped me. No warning. They still sent me an insurance card though leaving me to believe I was covered. I looked back on my account and never saw any charge or trying to charge me though. I went to multiple doctor visits which I have found out that I now need to pay for out of pocket and have several coming up that I have no coverage for. I tried to contact them, and they kept transferring me and not helping me and then they ended up transferring me to a completely different healthcare. I was on hold for 45 minutes and when they answered it wasn't even them. I asked for a manager, and they did that. Needless to say, I feel like they should be held responsible. If you are with them, be careful because they might drop you just because.

I had UHC as my secondary insurance. And ended up on the phone with them for close to 2 hours trying to get them to reprocess a claim as my Primary Insurance but they kept asking the same question (Who is your primary insurance with?). They are more tHan happy to constantly bombard you with calls about having their doctor come and check you out even after telling them you already have a doctor that you go to regularly, but they can’t seem to get their claims paid like they should. Maybe if they had people from America actually answering their calls it would help. Either way though, I would suggest going elsewhere for your insurance.

I have used Humana, Aetna, Blue Cross Blue Shield, and United is by far the worst most impossible insurance company. Their estimates are always drastically off. For instance with Humana or Aetna the estimated cost was usually right or I may owe 30-50 dollars after a procedure. But whatever they quoted for a procedure was usually pretty accurate so I pay and then forget about it. United tells me an x-ray costs a thousand dollars. So I pay it and then they bill me later for another thousand because their estimate was off. Bloodwork is 200 dollars so I pay that and then get bills for 30, 70, 80, 120 for MONTHS because 'their estimate was off'. I never had this issue with any other insurance and IT WAS THE SAME PROVIDERS.

They lure you in with this healthy benefit card. Then when you try to use it it doesn’t work. Don’t fall for it. Then when you call you're put on hold with little or no answers. It’s so embarrassed to go to 4 different stores with your groceries and have to put everything back. I was told to keep trying different stores until the card worked. I’m dropping this company asap. Then you have to waits days to get a medication approved. Word to the wise DO NOT LET THEM LURE YOU IN with their carelessness with the TRUTH. Do your homework. This company is a SCAM. Buyer beware

This is my third year with UHC Dual Complete. Find another plan! They cut benefits every year but continuously raise the premiums. If you call for help they source their work to foreign countries and the people cannot understand your questions. They just read off pre written messages. Worst insurance ever

I recently did a virtual doctor visit and found out through my claim that this doctor was not in network. I was never informed that he was out of network because I thought all the virtual doctors would be in network. At least it should have been noted under his name that he would be out of network and I would have ended the call. I tried to explain this to the first representative and she was not helpful. So I went online to look up this doctor and the facility he works for is in network so why is he out of network? I called back after finding out this information and spoke to a different person and I had to file an appeal for the virtual visit. I shouldn't have to research everything myself to check if a doctor is in network!!!

Quite literally the worst insurance "provider" that's ever existed. They don't provide anything but constant denials. Gotta love being denied for half of your surgery. They can open me up, take a peek but they can't do anything about it... Absolute nightmare company. I hope this insurance company rots and fails miserably.

In April of 2024 I had a facial (nose and cheek) reconstruction surgery after skin cancer. I needed multiple reconstruction surgeries to repair my defect (1st one covered by Kaiser and the next 4 were covered by a production group who filmed the surgeries and had fellow doctors involved to help learn how to reconstruct a very complex case as mine). When I moved to Florida we changed our coverage to United Health Care. UHC approved my claim but kept pushing back on information they needed from a missing W9 that they wanted from the physician, to codes and units for anesthetic etc. I resubmitted and my physician's office resubmitted paperwork multiple times, and we called them at least every 4 weeks for updates.

Still have not gotten my information correct. Can't speak with anyone who you can understand. Plan on hold and transfers for long periods of time to get anywhere- usually right back where you started.

No wonder why their CEO got ended. These people are thieves. Liars. And manipulative. Raise rates and lower care. Just happens to me. I’ll be suing this company for sure time to shut them down. This is definitely fraud.

This is a seriously horrible company that pays for very little. I am fully disabled and pay out more than I ever did when I was working. If you are smart and able to, take your business elsewhere. Find a company that does rip off and take advantage of their customers.

doctors. Too many complaints to list. This company has already wasted enough of my time. Go elsewhere for insurance.

Do not get UHC healthcare - NOTHING is covered even though I pay over $500 a month for insurance try any where else! I tried to schedule my regular PCP appointment and was informed even that would not be covered.

I have United Healthcare dental plan for myself and my children. My son had to get braces and had them on for almost 3 years and just recently got them removed. I have been paying my premiums with my employer as well as my premium with my dental office. I have been in contact with United Healthcare all along and was told all is well, until about year 2 when I noticed they hadn't covered the $1200 portion of the braces. At this point I still have 2 more payments to make and United Healthcare is refusing to cover their portion, giving me different excuses and the excuse of not receiving a referral which they did before my son received his braces since June of 2022. They even had a customer service representative lie to me about sending the $1200 to my dental office which never happened.

UHC has been my insurance since Sept. 2024. My PCP ordered standard bloodwork in Nov. Quest submitted the claim (~$600) and UHC denied saying they were not my primary insurance. Survey not responding, just hold music. They call you back and there is no recording to answer survey.

I will try to keep this as short as possible. I went on Medicare a little over a year ago. At that time I dropped taking ** (I am type 2 diabetic) due to the cost, and went with Wellcare and my other prescriptions were tier 1 and were no cost. Well over the past year my A1c has gone up and since the out of pocket went down to 2k for Rx, I decided to go back on **. I shopped around for Part D plans last November and found UHC/AARP would be $1400 a year for adding ** back into my regiment of treatment as long as I used the "Optum" mail order (UHC owns Optum). The Other Rx companies (i.e. Wellcare, Cigna, etc...) were $1,800 - 2,000.

Please beware if you have enrolled in a AARP Medicare Supplement plan and move to Medicare Advantage plan within United Health Care. I had two instances of family members who did this, but they weren't aware that AARP supplement plan was not discontinued and they were getting premiums deducted out of their checking out (for one of my family members for 4 years!) - I worked to get this all reimbursed as it is illegal to enroll a member in duplicative plans. They are under the same parent company but they don't "speak" with each other. At least now, I was able to identify this early with my other family member and they said the same - luckily it was caught early enough that they are only reimbursing him the $200 premium vs the $7K of premiums! You need to call them to not only cancel the plan but also stop your auto payments to them from your checking account -.

What a joke for healthcare insurance. They try to deny anything you need done but have no problem taking your money every week for coverage. This is the last place I would choose to use. Unfortunately this is what my employer uses for coverage. Avoid at all cost. Been with my company for over 20 years and they switched to United. Looking for new job just to have other health care provider. Don't do it if you have a choice.

This company is EXTREMELY challenging, REALLY HARD to work with and you will be bouncing from one department to other. The ONLY reason I have business with them is because is the insurance offered by my employer, otherwise, I WILL NEVER EVER do. If you have a flexible spending account with Optum, which is part of United Health, forget it, it’s EVEN WORST. If you have the chance to do business with any other insurance company, PLEASE DO. NOT RECOMMEND AT ALL!!!!

I have been billed by my medical practices for services I did not have then points to the claims statement (where the services weren't covered) and tells me I must pay. When I try to call UHC Medicare Supplement Customer Service, I always get a representative located outside the USA with a poor connection and where I struggle to understand them. In addition, all 3 times I called, the agent refused to help me by escalating the call to a supervisor. This is not acceptable as I can not get any help. UHC hires reps in the USA for sales purposes, but then offshores the critical part of Customer Service for their clients. Very very poor service.

This is the worst company ever. I called them on the 3, 10, 14 and 24 of January 2025. The person on the phone refusing to hang up so I can do the review. I am missing my UCard. I have a closed head injury and can’t even get into my UCard account so this is abusing a disabled person.

My partner just switched to United Healthcare and she has Type 1 Diabetes and has been using Dexcom CGM for years. With Blue Cross Blue Shield the process was quick and easy, with the patient's needs, life, and worries in mind. United Healthcare however, has made her go through hoops for weeks. They don’t trust her doctor, they delay any work on their end, and they definitely do not consider the patient. She’s been out of Dexcom CGMs for more than a week and is having unhealthily high blood sugar throughout the night (>200), and is scared to go on group bike rides, because it’s not feasible to stop and check blood sugar while the group rides off into the distance.

If I could give United Healthcare a 0 I would. They have horrible customer service! They are not looking out and doing what is beneficial for their customers! You pay these insane costs to have insurance however they don't want to cover anything! My son is in need of a MRI for his back he had a fall and CT shows a compressed fracture in his spine so Dr ordered a MRI thinking he may have an issue with his disk. Well United Healthcare stated they have only had the paperwork which is under review. FLAT OUT LIE, after speaking with the Dr the paperwork was sent on Jan 15th which of course they DENIED!!

The customer service is the absolute worst! You can never get anything figured out! The UCard for OTC healthy foods is a total joke. You can't get hardly anything with it, even if their own product barcode scanner on the app says it's eligible. Stay away from this company!!!

What a horrible experience. I called United regarding referrals. They can't tell me what process they are in or they are just too lazy to put in the extra effort. Next, I get a call from Memorial Hermann because the UHC referral portal does not have me set up. The is a problem between UHC and Memorial Hermann but of course I am the one that can't see my doctors. Memorial Hermann calls UHC and gets an answer "what do you think I am going to do about it". I am now on my 4th call. I have been transferred back to the US but did not get the supervisor I asked for. Sad and pathetic. I already wished I could change.

I did not recieve a new card, so I called and they sent me a new one but it would take 14 days. Close to 14 days I called to check if it had been mailed. The person said, "I will order you another." I told him no because I would have to wait another 14 days. He ordered a new anyways. Got one in mail today and could not activate it. I called and now I have to wait another 14 days. Ridiculous. Need better associates.

I only give one star because I had to select something. Literally the worst insurance company I’ve ever had. You should get United Healthcare if you want to pay triple the cost for your prescription than if you were to pay out of pocket with zero insurance. Doctors visits are even worse. Please don’t waste your money like I did. Read this and you’ll have the opportunity of learning from my mistake. Originally going into the doctor's office the doctor acts like everything is ok as if there’s no issue and then months later you will receive a ridiculous bill for things that make you scratch your head in confusion, let me be clear, the issue is not the doctor, it’s United healthcare.

My employer switched from wonderful insurance to United Healthcare this year in an effort to control costs. United Healthcare told us that our existing prescriptions would be grandfathered in and would not require preauthorization. The time came for refills, so I contacted them to get everything set up. I am diabetic and working hard to get off of medication (more on this in a minute), but still take two prescriptions. United Healthcare covered the far less expensive diabetes medication without question, but denied a preauthorization (that I wasn't supposed to need) for a second one. They did not give a reason, just told me that I needed to talk to my doctor about treatment alternatives. Being very annoyed, I contacted them and asked for a reason for the denial... get this ...they told me (after paying for one diabetes medication) that there was no proof in my records that I am diabetic.

Literally awful - the customer service reps sound like robots reading from a script and they don't seem to understand any of the policies, can't explain why they only cover an extremely small portion of a claim and you don't get a single notification for a change in status for claims.

I just went through the application process with Roderick ** yesterday. I had to switch as my pcp no longer accepts the insurance I had. Roderick was beyond helpful and made it very clear and easy for me.

After being on the phone with them for over an hour, most of which was spent on hold during each of the 6 times they transferred my call, I finally got to someone who told me the department I needed to talked to is closed for the day and that I needed to call back the following day. They need to have an option for zero stars or negative stars.

I had pretty bad stomach issues, loss of appetite, lost over 20 pounds in a week. Couldn't find the problem, and my doctor wanted me to get a colonoscopy. Despite paying a ton of money to them over time, I was denied, "because I was too young". I was in my mid 30s, my mother had to have a colonoscopy at 32, they found something that they were able to take care of, and told her that it would be good for her children to get early colonoscopies just to be safe. Despite the family history and my doctor's insistence, they still refused, and of course kept all the money I wasted on them. They're crooks.

United Healthcare is absolutely awful. My doctor's appointments cost me more out of pocket using insurance than it cost when I pay out of pocket without insurance, having United Healthcare is LITERALLY throwing away my hard earned money, I'm cancelling my insurance through them.

I went to Walgreens yesterday. I had 3 OTC items. I take the time to go there. I make sure they are OTC. I get to the register. They say, "No. Payment not accepted." Lol same with customer in front of me. Mind you I have had reward on my card for over 2 years. I'm told, "You can use rewards for anything in Walgreens!" Lol!! Wrong again. When I've tried cashier and manager has no clue what I'm talking about. It's a scam!!!

If I could rate it a big fat ZERO I would. I started thier prescription drug plan on 1/1/2025 and still have not been able to get a prescription filled. I have spent more time on the phone and internet between them and my doctor to try and get my Meds filled. No need to go into details, all I can say is STAY AWAY from them

Their site says member services 7 days a week which is NOT true. It’s Saturday and our active insurance is showing inactive and we can’t get through to anyone. We tried the member services number in back of card, says Mon-Fri so we tried the chat feature, also Mon-Fri. Then I tried instagram messaging as last resort and they gave me a different number to call NOT on our card, we got someone there who said our insurance IS active so they aren’t sure why cvs shows it’s inactive, but then said she couldn’t help and that we have to call back Monday to another different number that’s also NOT on our card. We pay too much for insurance to get zero member services when you need it.

Have been paying for services for 3 months and still haven't received my card because of the incompetence of this company. I have filed a class action lawsuit, save yourself the trouble. I work 50 hours a week and they can't answer the phones on the weekend.

They denied my claim for sleep apnea. They denied my medication for stage 4 esophagitis. You pay them and they don't want to approve your claim when you call them and ask why they denied your claim. They lie and say they did not deny your claim but I have paperwork from my doctor's and pharmacy showing they denied it. They don't care about anyone. All they want is your money. Don't use UnitedHealthCare. They have the highest denial rate out of all insurance companies.

Yesterday I took a closer look at my UHC 2025 Medicare Advantage Plan and others. They seemed to have made a lot of changes. The OTC benefit is gone. Now there is a large deductible on Tier 3. So I decided since it's open enrollment I switched back to Humana. I cannot speak about other states. I feel that their whole company is way off on their 2025 changes and no longer competitive in the marketplace in almost all areas.

Horrific website. Just trying to register my new account. 2 days later no one can understand why I can't gain access or why I can't register. Then they get something called Optum Messenger involved as they will have all the answers. They send a private message that, you guessed it, can't be accessed even after setting up a new account with them, applying several access codes and wasting yet another couple of hours to still have no answers or access. They have really went overboard on the levels of security they require when they themselves can't even get in! Unbelievable!

So, I am new to UnitedHealthCare just this year, and already I have experienced some pros with big cons! False advertisements such as shopping places your UCard supposed to work. Also no shopping catalog or access to the online healthy benefits app.. We'll see how my health care goes!!

I had UHC insurance at my last job, thank god I don’t anymore (now I have Cigna, one of the best in my opinion). I would advise anyone if they can, please do not use this insurance. I was falsely charged by a doctor, I had all the proof that it was an annual physical (which is free supposedly by most insurances, including the plan I had at UHC). I sent in a grievances appeal and was STILL denied by the insurance. The doctor charged me under some crazy appointment and gave me all of these tests, EKG, ultrasounds, etc. and then had the nerve to charge me! So I told UHC and they still denied the claim. When I try to call no one answers or you get transferred 10 millions times and then the call disconnects. I am now going to have to get my lawyer involved. For your own sanity, please avoid this insurance like the plague!!!!

Terrible service. I was transferred over and over between departments and no one had the knowledge to help me resolve my issue. Very frustrating experience after several hours on the phone without a resolution. In addition, they refused to cover a medication that my doctor prescribed. I’m looking to change plans.

Poor marketplace coverage - they paid nothing in 2 years I ‘covered’ my husband. Didn’t cancel the policy after death notification so continued receiving monthly bills. When calling - you speak to automated voice. When you do reach a representative, the noise in the background call center is so loud combined with accent so thick it’s near impossible to understand - told no other representatives are available when requested who speak English as primary language. Wouldn’t recommend.

United Healthcare Community Plan in NJ... Have you ever thought why they don't have an address in NJ? Probably, they don't want all bad reviews to follow them... This is not right. If you google "United Healthcare Community Plan in NJ", you won't be able to find a location on the google map or any other map. They are practicing very bad corporate practices. For more than 10 years they don't accept new insurance providers officially trying to find all the excuses to make the life of their patients more miserable. Patients have to leave this network because they cannot work with providers they chose and the providers are not accepted to the network. I think all providers who have ever experienced United Healthcare bad practices should discuss it and write the collective letter to NJ senator and ask for thorough investigation of what is going on with United Healthcare in New Jersey.

What's the point of trained Doctors and health insurance prescription coverage, if the Doctor prescribes a medicine for me and health insurance denies the coverage. It baffles me how they believe they are more competent on choosing what I can and can't take, as opposed to my doctor.

I went to one of the recommended chiropractors from UHC list of providers. To my surprise, I was charged for the consultation, the “exam” and the “treatment“ on top of the copay. I got home and called UHC for an explanation of the chiropractic coverage and what does exactly the copay covers. After more than two hours on the phone, passed around from advocate to supervisors without a clear answer even from the amount of the copay (went from $15 to $50 until finally I was informed it was $20 a visit).

This Company has denied a service for my child when clearly they have all the notes from all the things she has had done to determine her issue. I called customer service to discuss issue and the person would not discuss anything stating HIPAA policy when child is under age and I'm her guardian/parent. I asked for supervisor and that supervisor told her rep to send me to different supervisor who when I got disconnected called me back with an attitude and refused to give me her name and hung up on me.

This is the worst insurance company. I was approved for a medication for a year and now pharmacy is waiting for prior authorization. It takes ten minutes to get through to an actual person and then that is usually not the person you need to talk to. I would not recommend this insurance to my worst enemy.

United Healthcare Services is one of the worst healthcare Services I ever had. My mother has this insurance. All they give you is $50 every 3 months for vitamins while other competitors give better for the elderly. Greedy insurance. Don’t bother with this company. Now I am trying to get a better insurance for my mom. This company barely wants to pay for anything. Run and don’t look back.

I would give 0 stars if I could. In fact, negative stars if it was possible. Has really sucked the joy out of my life. I've been paying for my birth control for like a year, when apparently it was supposed to be covered in full this whole time. It was costing me, a broke college student, $60 a month when it was supposed to be free. I call them, ask hey, why can I get this covered? Yes, they say, it can be covered if we get a PA from your doctor's office. My doctors sends it. United Health Care cancels it. I ask them why they cancel. No, they say, it was your doctor. No, actually, it wasn't, my office shows me that it says it was their end. Then United Healthcare says wait, actually it's because they weren't specific that your medication is for contraceptive purposes. Okay, my doctor changes it, is that better, United Healthcare?

UnitedHealthCare denied refilling my prescription. I am a diabetic. Prior to this refill each month they were waiting longer and longer to process my refills. This month I am totally out of medication. Pharmacy told me script ready for pick up finally and when I arrived was told it was denied. Called United healthcare and was advised that my doctor has to complete all these forms and provide sufficient documentation as to diagnosis as to why they should refill. Neither my doctor or myself was provided any notice. I guess they are mad that the cancer didn't kill me last year. SHAME on YOU!

I’m a member of United Healthcare for many years. I tried to sign in to my account at UHC Supplement plan N and was asked to enter a code. I received a code over the phone and entered it. The UHC system did not accept it. The representative of Website Technical Support said the system sends a code only as a text to a mobile phone. I’m 81 and I do not have a mobile phone and not going to have it. I can accept a code on my home phone or as email on my PC. Whose “ingenious” idea was to limit old people with use of only mobile phone instead of creating a user-friendly environment? All other companies offer a choice of text, phone call or email. What is the reason to give hard time to people with number of health problems?

My experience with UHC has been the worst experience I've ever had with customer service. They have several numbers for each department. We applied for a medicare advantage plan on Dec 5 for my M-I-L and when her card did not arrive within 3 weeks we tried calling to see what was going on. Call 1 - (about a week later) I was on the phone for 1 hour an 15 minutes, where I had to conference my MIL in. The agent told us not to worry about the application and that everything should go through and she should be receiving a card soon, and even if the application was not completed, she would still received a card. He also said, check your inbox, you should get an email update. The problem, he told me, was that I should not have applied through Medicare.gov and instead through their website.

I have yet to only have to pay my copay for an appointment with UHC, whether or not the doctor is in network. And in network doctor's appointment that is supposed to cost me $70 has yet to cost me less than 100. And I pay for all of my lab work, which is a lot if you have chronic health issues and need your lab drawn at every appointment. If you call the company themselves, they are no help and honestly, I am not surprised about what happened to the CEO. They run a company based on denying the services that people are paying them to provide and show that they do not care about human lives at all.

I am very upset with UHC. Received a letter on Jan 3 that was dated Dec 20, 2024. I had enrolled with them 4 years ago when I turned 65. Had the plan for 4 yrs then last year received a letter the plan was discontinued and had to enroll in a new plan. Did so on Oct 16th 2024. Made sure all my doctors and meds were covered and they were. On Jan 3, 2025 received a letter stating my Primary Care Provider in which I have been going to for almost 30 years their current contract will be ending as of Feb 15, 2025. I called them to complain about this and all they wanted to do is give me a new provider. I don't want a new provider I want to stay with who I have. I am comfortable with them they know my history. This is so wrong for them to do this with Seniors.

I received a letter that my botox, which my previous insurance fully covered, was “approved”. I later got a bill that was 1600$. They paid 100$. OOP it is only 1400$. On what planet does this make sense? Brian got what he deserved alright.

I had blue cross, they dropped hmo plans, mine anyway. Now I have United, I pay 70 dollars more 517.00 to be exact. Prescriptions are suppose to be 10 dollars but they only pay for a 4 day supply, I see a specialist at blue cross was 15.00 now it's 100 per visit, I'm going to go down hill fast. Wish I knew how to do marketplace but I do not. United doesn't pay anything close to the amounts they're suppose to. I'm screwed.

Horrible company, drop them as fast as you can and never look back, or risk losing everything when sick. The debauchery within the walls of this company runs deeper than anybody could have expected....

Somebody signed me up and never signed me up for full coverage dental. I wish I didn’t switch my insurance, I called to get it updated only for them to tell me it wasn’t update at the dentist. Now I called someone to fix it and it’s been 45 minutes trying to change my damn dental coverage. Then he told me whoever did my application put that I’m a citizen when I’m not. That’s why it didn’t go through. This company needs to be shut down!!!

UHC Medicare Advantage Renew Active is a sham for 2025! I was told by a UHC rep in December 2024 that the YMCA would still be an available gym for 2025 under my plan. Well, 1/1/25 it is NOT! So I went to Gold's Gym which is on their list of free gyms. I was told at Gold's Gym my cost would be 25.99! I have been on hold with UHC for 25 minutes to find out if Gold's is still in their network. The rep doesn't seem to know. I feel as though UHC blatantly lied about this benefit to get members. They will not be my carrier next year or ever again!

I was born with Allergies (Dogs, Cate, Nature, etc.) I was properly diagnosed with Allergies and me and my Doctor, had to see what Inhaler would best work for me. After trial and error, ** was the only Inhaler that would work right for me. Then United Health, quit covering my ** and I'm having to take a Generic Inhaler, that really does not work for me. I cough for no reason, sneezing more often, my Throat is phlegmy and I'm wheezing. If I can't get an Inhaler that actually works, I will get extremely sick and will get Bronchial Spasms.

I signed up through a phone call and I added vision and dental. And when I went to use my dental it turns out it’s for children, and not adults! So I spent two hours getting transferred from one representative to another in which my call got dropped after 17 minutes on hold each time.

Spent the day yesterday on the phone with 3 different support people and none showed care or empathy. They did not listen to my concerns and each one only seemed as though they wanted to finish the call so they could move on to the next one.

1) They will require you to get a pre-authorization for many medications (some basic) that have never needed pre-auths under other insurers.

After receiving a letter last year from UHC stating I was eligible to get a $75 reward for a housecalls visit, I made an appointment for 12/13/2024 for me and my husband. We had the 2 visits on 12/13/24 and were told that she had to document visits and we would receive the reward in about 7 days. My husband got his but after dozens of calls I’m being told by UHC that I wasn’t eligible. So no reward. No one can tell me why I wasn’t eligible and I feel UHC is a scam company for baiting and switching. I would like a clarification about this since I was multiple times that it was on its way to my account. UHC, are you corrupt?

The call center agents seem all to be absolutely incompetent. I think they all just learn to read a script. I called 4 times to confirm my insurance is going to be active first of January because I had a dentist appointment scheduled. All 4 agents gave me false information. I had to speak 2 times to supervisors who finally had accurate information. Even when my dentist called the provider number those agents are absolutely incompetent to help. They can't confirm my dental insurance because they are looking only in a medical database. Instead of transferring the dentist to the dental department. Because even I can see in the provider lookup my in network dentist and all my dental benefits. Their knowledge is just as what you can see yourself. I never had an insurance that has such incompetent staffs!

They keep denying claims for my grandmother on chemotherapy for things her oncologists insists she needs. I don’t understand how they know more than the doctors. When I call, it’s nice at first then the employee becomes short and rude.

I’m very dissatisfied with UNITED HEALTHCARE as I have been a member since 2021 as a senior citizen under the Advantage plan. More recently, they have gouged their co-pay amounts to out of proportion. And as a senior citizen cost is of the essence. I disenrolled my plan and went to another carrier effective January this year... However, while I was still under the enrollment with UNITED HEALTHCARE in November, I was given a house-called visit which was told after that visit I would be a given an amount of $75 that could be used through the member I.d card that could be used to make certain purchases at specific locations.

Valeria, the representative I spoke with, was very rude and hung up on me after we talked for about two hours. I wasn't finished discussing my issue, and I felt it was incredibly unprofessional for her to end the call so abruptly. As a result, my request for quality service was denied due to my high blood pressure. I told Valeria that I did not have any problem with high pressure and asked her to call my doctor about my high blood pressure, but then Valeria hung up on me so quickly. That is so rude. It hurts me so badly terrible. I called customer support again and filed a complaint. A supervisor will be calling me back soon.

I signed up for United Health Insurance at the end of November. The girl that was just as nice as she could be. I explained that I would need my prescriptions refilled at the beginning of January. She set me up with a Doctor to be my primary. No problem until I try to make an appointment in December. No call back until January 2 letting me know he was not taking patients. Tried 6 times to get a primary doctor before March and they are sorry they can’t help me. They do Not Care.

It’s day one of coverage and out of 7 customer service reps and 1 supervisor I’m about to go back to my old insurance. This is absolutely for the birds. When I say NOBODY knows anything and the supervisor was very unprofessional. NO THANKS!!!

Tried to sign up for service. Would not let me do anything. Just got the health plan and already regret it. I do not find them to care about their customers and my experience so far is very bad. Would not recommend them.

The UCard benefits when I first signed up was $50 dollars a month. I only got to work a few times. Now it’s $40 a month and doesn’t work. I get the runaround on the phone. My representative will not return my emails. The last person that I talked to on the phone was asked what happens to my $40 dollars a month that I don’t get to use. He told me it disappears. I figured it was going in someone’s pocket then I find out United Healthcare CEO is making almost $8 million a year. To me it’s pretty obvious where that money goes.

I have had multiple claims denied. Example of one pre authorization and paperwork was done to replace my prosthetic leg. They approved it. I had asked them if I could have the prosthetic made closer to me instead of driving over a hour one way that would require multiple trips. They agreed. We discussed where I would go. They resubmitted paperwork and UHC denied the claim. I also have wound care on my other foot. They declined wound care supply s after they had been paying for those for the last year.

I have just received my new card UHC card for 2025. I tried to use the My Healthy Benefits option to purchase OTC products in an approved store. Well, the card was declined and the reason was the transaction was considered invalid. I called to speak to an advocate. I was told to wait until Monday to call back. I pay for this insurance every month. The product scanner on their website doesn't work either. Also, I used to purchase two things online and now they are not available. One was an eye vitamin and the other was a mouth moisturizer. That was what I went to the store for today and my card would not work. The eye vitamins aren't even covered anymore. I'm so frustrated. It's so wrong the way seniors are treated....big Pharma. I'll be changing insurance companies next year....wish I had done it this year. They also deny many insurance claims. I still have an outstanding one from my primary care doctor from eight months ago. I'll never pay it!

I have been recently diagnosed with diabetes and United is refusing to fill my prescriptions for medication or glucose monitors. I will be taking legal action against them. I'm not trying to get ** for a headache, I need this to stay alive.

Optum substituted non generic drugs for the generic prescription my Dr sent them. Optum sent an email saying they needed my approval and had a link. That link showed non generic drugs and a copay showing TBD after they have shipped to me, then stated they will bill my credit card on file after they determine the copay, after I order. I went to their chat box and was told my copay would be $2000 for the non generic drugs and 0$ for the generic. I called a person and was told my dr sent in non generic, which was a lie because my DR carbon copied me the order. This company is a scam trying to get money from senior citizens who don't read every word on the page... Optum should be prosecuted for falsifying Dr.'s prescriptions. What a bunch of criminals that wasted 3 hrs of my day. The one star rating is generous since there is no option for 0.

I've had United Healthcare for three years. It was a great plan until September 2024. At that time, United Healthcare hired Optum to be a third party to deny services. In my case, I need ongoing physical therapy because a health condition. My providers have attempted to get prior approvals, which was not required before September, but have had a horrible time wading through the process. I have had a horrendous time trying to get medically necessary care.

Their "Healthy Benefit" program that helps you pay your utility bills is a joke!! I paid my bill on the 6th of December and for some reason the payment got canceled and the bill never got paid!! Now I have to come up with the money for the bill, the late fee, and the reconnect fee because their payment processing center is worthless, cannot do their jobs, and then can't answer any questions about the specific transaction! Please choose any other health insurance that is NOT United Healthcare!

I need to have back surgery. Everything has been approved except one procedure code. I’ve been talking with UH for over a month now and still have not gotten full approval. I’ve never had this problem with UH or any other insurance company before. So what’s wrong with now. I am in pain and having great difficulty walking. So frustrating. Would not recommend this insurance company.

Terrible company. How can you charge an individual for the 2025 health insurance without a phone call, text message or any kind of communication. Beware, they will automatically sign you up and take your money. Be careful!

Got an adjusted bill from United 7 months later from the ready med visit I had for a sinus infection. In network too. They only bothered to cover barely a third of my bill! Typically I've only ever had to pay a copay for ready med visit, while now they are leaving me with a $500+ bill for a sinus infection! I made an appeal and they felt what they did was correct! Terrible healthcare company that doesn't understand how to care for people's health and well being in this terribly inflated economy. Trying just to pay for groceries and gas, let alone outrageous medical bills for minor ailments.

Just started new UHC insurance 1/25. They did send the card before starting date nice but the benefit app won’t even open & their website will not let me log in. Spent hours on phone trying speak to an agent because my benefit card was not accepted to pay my electric phone nor gasoline plus the card has a different exoneration date than what uhc told me and neither worked on auto machine to pay bills.

Would give 0 stars if it were an option. United Healthcare is a leech on the United States government as well as its consumers… If you can even call them that. Most of them get nothing in return for their monthly premiums. United healthcare is a fraud and the highest in the industry for denying claims while keeping profits for themselves.

I’ve been extremely dissatisfied with United Healthcare's coverage. Despite paying high premiums, the policy has significant gaps that leave me with unexpected out-of-pocket expenses. Customer service has also been unhelpful, with long wait times and vague answers that make resolving issues a frustrating experience. For the cost, I expected much better support and transparency. I would not recommend this insurance to anyone seeking comprehensive and reliable health coverage.

Started with a new employer after several years as a Teamster production worker. If I had known how drastically worse my healthcare coverage was going to be, I would have stayed with the other company. My employer sponsored health insurance is twice the price in premiums compared with Teamcare, and they deny/refuse coverage for nearly every. single. claim. This is ludicrous. I'm donating this week's to to Mr Mangione's legal defense. These people have so much blood on their hands.

I trust my doctor and they keep denying his recommendations. Twice their customer service said they would call my doctor and they never called. We are still trying to get the prescription approved. They made billions in profits, but I am still not able to get the treatment my doctor recommends.

I stopped paying for United Health care when they refused to play for a single one of my medicines and they sent a bill to a collection agency. I plan to take them to court if they persist. I had to pay for ALL my medicines and as a transplant patient these medicine were hundreds of dollars. For example, 45 capsules of Lamiivudine cast me $628.00. As an 85 year old, this was extremely difficult for me. They were recommended to me by AARP obviously because they must have given money to AARP. I am not longer a member of AARP because I think they are a scam, too.

I've had the advantage plan to supplement my Medicare. Every single claim is a fight and usually still denied. When enrolled two years ago I was paying $150 a month. Since I received my Medicare 2.5 cost of living notice starting January 2025 I found out I'm paying $185 a month which has left me about $20 to my cost of living. I will drop this as soon as I can. I usually end of paying for procedures myself because of denials. This includes dental especially. Check into other options first. I wish I had. I now stay away from the medical not trusting procedures will be actually covered. They are the masters of denials. I know from experience.

Refused to cover my husband’s annual physical and labs on the premise that he had other insurance, which he does not. Repeatedly phone calls and an intervention with a healthcare advocate still didn’t solve the problem. The bill ended up in collections so we just paid for it. They gave us the runaround for a perfectly legitimate preventive care. They are simply evil.

I thought I had United Health Medicare Advantage as my Medicare provider. I was wrong. Wellmed is who administers the program in our area. They closed the clinic 2.8 miles away and assigned me to one 16 miles away. It was only open one day a week. I have a hip that is causing me a level 7-8 pain. The pain clinic ordered an MRI and it was denied by a 3rd party called Evicore. I never received the notification of denial. I fought with United Health, Wellmed and Evicore for two months over all this and was told the MRI was not and would not be approved.

This insurance company is scandalous. They cover nothing, their call center is in Asia and I receive a bill for everything even vitamin D. I'm disgusted with this company. The reps are gross and will lie to you in a heartbeat. People work all their lives to end up with a insurance company that doesn't want to see its people healthy. The store charges $4 for vitamins but my insurance company wanted to charge me $7. My insurance company is a crook. This is my experience with United Health Care.

STAY AWAY FROM THIS INSURANCE. I was informed by their staff that they are trained to deny claims, that they are trained to find any flaw or mistake in in order to deny your claim. They do not care about their customers, only profit. Please stay away.

Was with UHC for a few years, they initially refused to pay for my diabetes medication, but when they did my rates nearly quadrupled. I would not recommended using this company for anything. They try to penny-pinch anywhere they can.

They denied all of my lipedema surgeries even though I submitted an entire book of documentation proving it was for mobility and pain. Paid over $30,000 out of pocket. Now I am asking for coverage of ** for heart and obesity and they are denying that even though they cover it for heart. I am on heart meds, have lipedema, neuropathy, degenerative disk, high cholesterol, high blood pressure, and obesity and they are still denying. I will be looking into a supplemental insurance when hubby retires and it won't be UHC. They know what I need better than my doctor of over 40 years. Sit behind a fancy desk making life or death decisions for people they know nothing about. We need to stop this!

I have had UHC insurance and they are a joke. Insurance is a scam to begin but when your company lacks the basic human decency to allocate resources to the areas that need it most then there is not much left for me to say in this review other than don’t chose UHC.

Received my bill for Late Enrollment for prescriptions. Said I owe $1 per month or $13.10 for the year. Hmmm the last time I checked 12×$1 is $12. Then I received my Welcome letter. It says $1.10 per month. Hmm again... 12×&1.10 is $13.20, not $13.10. I called billing. After being on the phone, mostly on hold, for 1 hr and 7 minutes, I was told she would call me back. They can't even do simple math! I was also told by another "supervisor" that UHC sent out the bills for the $1 payment before the payment amounts were updated. Why??? Why were they allowed to go out with errors? WHO didn't even bother to look at the bills to make sure the amounts were correct? How many thousands of people were sent the wrong information? Please check your bills and don't just toss your Explanation of Benefits either. Mistakes on that too.

DO NOT WASTE YOUR TIME WITH THIS COMPANY... specifically the Community Plan division... With the amount of time and frustration trying to get any help from the Service Coordinators you might as well pay for the items yourself. I have spoken to the supervisor of the Service Coordinator, and the supervisor of the supervisor, and the advocate and the supervisor of the advocate, and her supervisor.... INEFFICIENT BUREAUCRACY! They don't take e-mails so everything is reduced to phone calls with NO paper trail!

I have had UHC for about 5 years. this past year it has been difficult to access the web portal. The only way in is if you can receive texts on a smartphone. I tried receiving a phone call but my iPhone (or the UHC system) does not communicate the pound sign. So my access is now locked. Even with tech support, they will only text me - which I don't do because of the expense. Plus, UHC will call you a few times every week to try to sell some product or other even though you declined whatever they are trying to promote. Monthly premium is reasonable or no charge, But even so, the low price is not worth the aggravation. I will switch to another insurance for next year.

They care more about pleasing companies than caring for their clients. Always harassing with phone calls. Send my transportation to the wrong address. Lie about their need for home visits. Never easy to communicate with. Send countless unwanted junk mail. Just sorry I ever signed up. PLEASE DON'T MAKE THE SAME MISTAKE!!!!

They are denying MRIs that the cancer center want me to have done. Please start caring about people. I been dealing with this problem for years. I have had 4 referrals put in and they denied every one of them. Please start caring about people.

The only problem I have had with United Healthcare so far is with the OTC Xtra money they give you. It goes on your card and IT DOES NOT WORK!! I will be call BETTER BUSINESS BUREAU and if you have had problems I urge you to call as well. Doesn't help to call customer service because they can't help you either. Once you switch to this insurance THEY DON'T CARE!

United Health Care just denied my PT after months of approval stating a new policy is that I need a new doctor’s referral. They also denied my shoulder injection from a provider they covered for months leading up to it suddenly saying I had no referral for this one treatment. HUh??? The last six months have been nothing but games. I chose a new carrier this year and will never go back to these thieves.

I wish zero out of 5 stars was an option. If you have the option to select any other insurance, do so. If you’re a family in crisis and you have United Healthcare, good luck getting the care you need. They will fight you every step of the way and double the stress of the crisis.

If you can make a different choice do so as UHC is the worst customer service in the world!!! They don’t pay claims, they deny prescriptions. They deny dental needed. They make you jump through hoops to get anything accomplished! They are scamming Medicare out of millions!!! The world knows now!!!

Please do not choose this company. I needed a biopsy done on 2 limp nodes. They had the CT scan with contrast showing that they were enlarged. They agreed to cover one limp node and denied the 2nd one and that it doesn’t meet their criteria and when I called and the nurse called they are from another country and can hardly speak English and read from a script because they know nothing about their job or how to do it. I can see why they have such a bad reputation. They care more for their bottom dollar than for your health and the company made billions in profit off from us…. Will never recommend and canceled it through my employer. There should be an investigation in to this company.

This company has repeatedly denied claims submitted by my drs. The final straw was canceling my surgery 12 hours before it was supposed to take place. Out hotel $, gas, food, and now I can't afford the surgery because they waited for my deductible to be up. Horrible company. Don't care about people at all. I've been a severe mental decline because of their actions.

This is not a good policy. You really don't get any benefits. They actually make money out of consumers. I highly do not recommend this company. Choose another policy. From customer service to just everything is horrible.

Uhc decided not to pay for a prescription my doctor wrote. They dictate care. Their job is to pay for it. They force me to use their pharmacy. They send nurses to call me. I have a doctor, I don't need them for medical services, just to cover medical costs. I pay money each month for them to do that. They are refusing to do what I pay them for.

They do not cover needed testing as well as CPAP supplies. I do not know why I have insurance. ABSOLUTELY THE WORST!! You pay your co pay for office visits only to receive an additional charge that is not covered!

I went to urgent care for eye issues while traveling. Was told to go to ER immediately. ER diagnosed me with retinal tear. Was made appointment with laser eye specialist for next day. Went to get treatment and specialist said no tear follow up with local retinal specialist within 6 weeks. Visited local specialist. Confirmed no tear. Follow up again in 6 weeks. UHC paid approx 200 of bills. Charged me with almost 1k....why do I pay for health care insurance. Such a garbage company.

Each year, my company makes the choice to raise our premiums, or keep our benefits the same. Most of the time, it's not too bad, but this coming year, our premiums went up, the out of pocket is $12k for the family, and the list of providers they cover in our small town shrinks, forcing us to drive to other towns to get medical, vision, and dental necessary procedures. At this point, it is seriously cheaper to pay cash for everything than mention being covered by this company. Mind you, while families are struggling to make ends meet, this company has no qualms with raising rates, while providers are paid the least by this insurance company (verified with multiple providers and their office managers).

Everything they manage is a scam and when you file grievance it's denied. The OTC Program is a NATIONAL SCAM perpetrated on all health care subscribers. There are NO REFUNDS, so if you order from their catalog, they can send you ANYTHING, say they've fulfilled your purchase, give your precious OTC dollars (real money) to some scam, 3rd world junk provider, and not provide anything further.

We have had nothing but a continuous nightmare with this insurance company. With hours and hours spent over the phone to go over payment plans that keeps accepted then denied then reviewed then refused and then they told me the most bizarre thing ever, that it doesn't matter when my date of service is, it's the date of processing that matters, so if I had a procedure in december and in that year I have met my deductible and out of pocket payment, but they processed it in the next year in February, they add it to the next year claim instead of the year where I should owe nothing. A total nightmare and they haunt you down for stupid services that has no value whatsoever but when it comes down to your claims, disasters happen. I can't be more angry with the entire healthcare system in US.

They are making billions of dollars. Because they are denying so many claims. If you are on Medicaid, and you have a choice for United Healthcare. Please do not choose. Go with Aetna or any other one.

Why are we not talking about the price of deductibles? Which are out of control. 10,000 deductible for a family plan? What is wrong with this picture? We seem to be paying the rising costs of health insurance not the health insurance company.

Refuses to provide the required coverage to autistic patients and puts profit ahead of compaction and care for clients. United Health has a long history of denying care to those who need it, simply to boost their bottom line.

The worst service both phone and usage... Only ok for ER service no specialty... Delay, deny etc... The phone calls are minimum 20 min to get a foreign service person with extremely low knowledge or helpfulness. Almost impossible to get a manager/US person

We recently switched to United Healthcare and have been incredibly disappointed with their lack of care and support. My wife, who has been on Entresto for four years, had her coverage denied after the switch. Despite the doctor's efforts, including virtual appointments and additional paperwork, the claim was still rejected. Furthermore, a necessary medical procedure, a mammogram, was also denied coverage. It's clear that United Healthcare prioritizes profits over patient well-being. We strongly advise against choosing this insurance provider.

I went to see HearUSA for new hearing aids. The secretary up front told me they just canceled my insurance due to that I move from one county to another! So I had no insurance coverage for a whole month. I contacted United Health Care after two weeks to try to order medical supplies for my condition and they told me it was an error, mistake happened.... I should of never been dropped. United Health Care had a moron employee who mistaking me and dropped me. I decided to go with Humana Gold Plus Plan... They are great! They care about your health. United Health Care employee failed me!

Needless to say not a good insurance company. I made a switch, they started not covering life saving meds I needed etc, basically in the end they don't care. I will never again go through this company.

Went to a DR to check on my feet. DR sent RX for new insert for shoes to support my feet. Went to see insert shoes and they said insurance denied and I have to pay 375 dollars to cover the insert shoes.

OMG RUN AWAY!! Run as fast as you can!! DO NOT SIGN UP WITH THIS COMPANY!! Claims denied, questions answered in gobbly gook, medical tests performed are not paid. After one year I switched to a different company and hope (dear heaven) the new company is not as bad as UHC. I now have been turned over to Collections for a charge from a physician who is no longer with the organization and has left the state as far as I can find for a claim UHC paid zero. Horrible company. HORRIBLE>

Had this insurance for a while when I was young and they didn’t pay for anything. Denied hospitalization claim even though it was medically necessary and ended up paying out of pocket and went into debt.

I had United Healthcare insurance for years because my school district decided it so. Worst insurance I've ever had. Denied medical services and meds for my husband, my children, and me... for years. Thank God our district finally changed companies.

United Healthcare has become a monistic pain in the ** for the American Senior public. They have shifted their customer support to Asia principally the Philippines and I guess they’re having a hard time finding people that speak clear English. In an effort to increase their bottom line, they have cut corners not only have they cut corners regarding Care but they’ve also cut corners on Service.

The absolute worst health care provider I have ever dealt with, they turn down just about every claim and make you take hours on hours to battle with them just to pay what they are contractually obligated to pay.

Clearly focused on profit, not healthcare of customers. The epitome of what is wrong with this industry. They use what are clearly delay tactics to bump a timeline into the next fiscal year, so your deductible resets, and they make more money at your expense and suffering. This was a complete waste of my time, but perhaps a single person will NOT become a customer, and the world is a slightly better place for it.

A company that you'll be forced to pay premiums for that have no value if you have a broken leg and have United Healthcare? It'd be more rational to cut it off. The worst health insurance company if you can even call it that.

I managed health insurance for a small business - 80 employees. We changed to UHC when our premiums with Anthem went very high. I spent two years helping employees navigate the system because they were continuously being denied coverage for care that should be covered. We switched back to Anthem after two years because their quote moderated and I was worn out from employees continuously having problems with UHC. It was terrible.

Getting reimbursed for out of network providers Is nearly impossible. Although they have a long list of items that are covered, really they are not so easy to get reimbursed and one gets the sense they will just hope you give up. Mental health in network providers, list is not accurate as many have long wait lists or are not accepting new patients. UHC will direct you to their online resources but it is not the same as in person and their online providers have little to no experience. Forget about menopause HRT beyond estrogen patch. UHC has a page on their site suggesting exercise and diet.

Had UHC for many years. Not much daylight between them and any other private, for-profit, middlemen, insurers in the USA. Quite funny though how they are literally corporate death merchants and are wildly upset that the guy at the top got what was coming to him. Zero stars not one.

Terrible. I have them through my work provider and pay for the highest level. Getting them to cover anything is such a process. Something needs to be done at a corporate level. Valuing profit margins over people has to end. We absolutely deserve better.

Ever since my husband’s insurance carrier switched from Aetna to UHC last it has been a nightmare. I suffer from several autoimmune diseases and require over 10 medications. I have went from paying less than $200/month for my meds to over $500/month with UHC. They consistently pay less for all of my medical claims and for the first time in years I’ve been receiving medical bills. I also have Medicare and with Aetna I never received a bill. UHC is clearly only money motivated and have zero concern for their clients. I cannot wait until we don’t have to deal with them anymore.

United Healthcare will let you lay there and die before they help you. I needed my trilogy that I've been on for quite some time. All the sudden they stopped it, said they would not pay for it, was over $1,000 a month. I only get $962 in SSI, they made me wait a week and a half. I suffered and couldn't breathe, finally they allowed the trilogy to go through. This company is worthless. They allow their people to lay there and die before they lift the finger to allow a procedure or allow an RX that could save the person. This company is rotten and what's happened in the last few weeks is well-deserved.

Horrible company. Pick another insurer. They don’t pay for life saving medication to squeeze every single penny out of their customers that they can. Billions and billions and billions of dollars in profit but they won’t approve medication for their patients. Horrible. So happy their CEO got denied his access to breathing.

I have had good experiences with United Healthcare and other insurance providers including property and auto insurance. Customer representatives have been helpful and willing to stay on the line until my problem is resolved. I have had a more problems with medical providers not coding procedures correctly. I wonder if the bad reviews are from Medicare patients or those without Medicare. I am in a UHC Medicare advantage plan.

I just recently changed my insurance to United Healthcare. Because my husband had United healthcare and didn’t have issues besides co-pays being expensive I only chose them because it said that they could fill all my medications that I had. For a whole week I battled between OptumRx, which is under United healthcare and my doctor's office. My doctor kept trying to send United healthcare a script and United healthcare kept giving them issues Saying their electronic way of receiving scripts was not working. Tells us at the last minute we can fax the script.

I am very upset, I have two claims that are denied because the Radiology Dept did not submit my claims "on time." I called United HealthCare on two different nights, talked to two different employees, and got two totally different answers. I was told the "window" to file my claims was 30 days, 60 days and 90 days. Which is it? There is no reason for United Healthcare to be so picky. Then, I'm told that I have to call the Radiologist and ask them to re-submit my two claims. Why can't one of the employees do this? The website is outdated, for heaven's sake update it already! Both the Radiology, and United Healthcare need to do much better. I've paid my premiums for years, and these claims should have been paid. This is an unnecessary burden on people that don't feel well.

Horrible company that will deny your life saving treatment. They put profits over health and will use an AI system to quickly deny 90% of your claims. Everything is an uphill battle with them. TERRIBLE!!!!

Absolutely insane. I just switched to UHC Dec 1st because of age, after having Cigna for over 20 yrs well I gotta tell you UHC ABSOLUTELY STINKS to get answers from. Extremely frustrating, they have no answers. They place you on hold forever. They left me there for 37 minutes never getting back to me. 3 phone calls and I have yet to get an answer to my question as to whom can I see!!!?