UnitedHealthCare Reviews

I have been dealing with United Healthcare for several weeks trying to get a medication authorized. I have gotten nothing but a hassle. I hope they don’t treat everyone like this. I’m so disgusted I will be changing carriers.

I have never experienced a health care provider this terrible. Sure, they cover a ton of health care options, but they do not tell you that they also deny everything to be covered. And if you get the chance to go to a doctor, they space out your visits for more co pays and out of pockets expenses. I would never recommend this insurance to anyone who wants to live a healthy life!!!! Absolutely the worst healthcare in my opinion.

I'm another person who would leave ZERO stars if I could. I'm on Medicare and Medicaid and not using either one because of the synthetic mRNA in so many drugs, all anesthetics, etc. The only thing I used UHC for was to pay my electric bill and buy organic food with the UHC card. As of Jan 1, 2026, the card is now only good for OTC DRUGS, which they can shove up their arses! Now the card only works if a sucker SUBMITS to "chronic care", which I could qualify for, but I will not bend over and submit to taking TOXIC drugs to get. COERCION is what I call this, and that's a CRIME! UHC SUCKS!!!

I recently enrolled in a UHC Dental/Vision plan, had questions that I could not find the answer to on their website so I called to speak to a representative. The representative was NO help, just kept telling me to go on the website for information. So here I am with a worthless representative and a website that does not help answer my question. There is a note on their website " Your satisfaction is important to us, we encourage you to contact us with any questions at 800-638-3120". What a bunch of crap, a worthless website, a worthless representative, means a worthless company.

This company should not be allowed to be in business. Under Medicare Advantage, they denied a claim for a pet scan for a cancer patient. Funny, they've approved other claims from the same provider, but this one... nope. Taking advantage of seniors should be their motto... especially those with cancer.

They denied the tests my orthopedic surgeon requested. I tried again, and they said I needed to write and print a letter with a long list of items covered in it and that I had to Fax to them. Brilliant piece of BS, as nobody has had a fax in decades - another denial. My doctor says they can't tell me anything without an MRI but UHC says I don't need one. 6 months of back pain, having tried everything under the sun, and when I finally break down and go to a specialist - I hate doctors - I'm not actually covered - $30k a year, and my coverage is a farce.

This is a 99% corrupt company. They only care about the almighty dollar, which is mostly paid in exorbitant salaries to top administrators who obviously don’t care about patients. They are also excessively wasteful in sending out tons of snail mail, even if one repeatedly requests and checks the boxes on their website to send all electronically that is possible. Employees are usually with poor English skills as they are outsourced from Eastern countries. They don’t know what they are saying, and do the opposite of what they say they are going to do, correct, input into their computers. Probably poorly trained and paid. If you enjoy talking to a brick wall to get anything done correctly with your health insurance provider, UHC is the winner. Add their arbitrary policies that vary depending on what agent you or your physician's office may reach at any given time.

UHC is absolutely the worst company ever, do not work with them, coverage is horrible, and the customer service keeps you in an eternal loop calling back and forth until you get exhausted. 3 times I've had to call them and each time the shortest I've been on the phone was 90 minutes. The other time was 2 hours and just today I was on for 3 hours with no successful solution. I talked to 10 different people and it appears no department communicate with each other. They lie and they do not honor referrals even if they are in your network. What a slimy corporation!

I recently relocated from New York to Indiana and upon arriving to Indiana, I found out UHC had cancelled my coverage. I am elderly and used UHC's Optum RX for my prescriptions. When I called UHC, I was told this is their policy and I had been sent a letter. When I explained that I never recieved the letter and asked why it wasn't sent certified or better yet, had someone call the "advocate," told me "We don't have time for that". She was patronizing, dismissive and argumentative. When I asked to speak to a supervisor, I was I should hear from one in "a couple days". As a result, I am now without coverage, have no access to my life-dependent prescriptions, and was told I would just have to wait until my re-submittal application took effect in 3 weeks.

If I could give negative stars I would…. Waste of time, waste of energy. Awful awful just awful! They lie and give misinformation and getting the payout from the “incentives” is like wrestling an alligator. Spoke to 4 managers 4 different days and still don’t have the incentive money I earned all because of some invisible red tape that you can never get through.

Horrible…. The worst of the worst, “0” stars! Their international customer service, well it’s just crazy how these people can’t speak English and they definitely do NOT understand english well at all, just sad how they think/feel they can tell you anything, because you are American!

I have been a customer of UHC for 2 years after also having previously had them a few years back. They used to be pretty good, I gave 2 stars today only because they do still cover a chunk of my medical costs but it is getting to be less and less. They used to provide much better customer support and I wouldn’t give that section of the company a half a star at this point.

LESS THAN ZERO. The worst of the worst. If you want your family member to die because of lack of coverage this is who you go with. They do not care about you or your loved ones. If I could afford to sue I would. Do not trust them with your health. Also do not expect anyone you can audibly understand

I called and asked a representative how much an MRI would cost since I hadn’t met my deductible. I gave the representative the prescription information along with the name and the address of the location where the imaging was being done. I agreed to have the test done based on the cost that I was quoted. Although it was an “estimate,“ when the bill came in, it was over 4 times the amount that the United Healthcare representative quoted me. I submitted an appeal and it was denied, even though there was a clear recording of their representative, giving the incorrect information which is what I used to base my decision to move forward with the testing. United healthcare is the worst insurance carrier that I’ve ever dealt with. Unfortunately, I have no other insurance company option through my employer sponsored healthcare plan.

United Health is a junk company. When I had Medicaid and Medicare, they could not get their ** together and helping me because of my handicaps, due to my health issues and the lack of concern or support in their company. I called up Social Security Administration to stop payment to these people. Because they are not giving me the help that I need for my health issues. They lack the capacity or understanding of which direction to send me to get things taken care of. I don't have an advocate because of my handicap, and I can't get an attorney to sue them because they're all on the take, and I'm just saying right now, I wish the Social Security Administration would stop payment to these people because they don't deserve my money if they can't.

The absolute worst customer service I have experienced with a healthcare provider. The reps are not knowledgeable about standard practices. You go through several different reps trying to get results, they do not email letters that other medical insurance companies will email you in a few minutes. Calling in you get disconnected, then upon actually speaking with someone they are clueless regarding your issue. In their obvious quest for cheap labor, they have sunk to new lows. I am a Senior that will change plans as soon as possible. Do not under any circumstances join with United Healthcare.

United Insurance Team, Not that it will do a bit of good! This review is to formally express my extreme dissatisfaction with the service I have received. United deserves a minus zero rating!! Despite the timely payment of monthly premiums, I have found the claims process to be consistently obstructive. It appears that while the collection of payments is expedited, legitimate claims are frequently denied without sufficient justification. This experience does not reflect the value or coverage promised to your clients.

Ms. **!!!!! I hope that I spelled your name correctly because I want it to be known how excellent your customer service is!!! I started with United Health Care back in January and learned about my coverage in March; and it was only provided to me after I had emailed the case manager a couple of times. I am saying this because since March I have tried to find local providers to assist me with my vision and dental needs and was vastly unsuccessful. It was not until today that I called and got Ms. ** that my faith in humanity has been restored. Ms. ** was not only professional, attentive, proactive and courteous, but she actually called several providers for me as I would call, and no one would answer for me.

Wish I could give negative stars! Also wish employers would find other health care options. Chronic disease. Been in meds for 6 years now. All of a sudden not covered. Meds needed for survival, to live, This company encourages suffering. Maybe some of them will fall ill to chronic diseases and have to deal with this!

They are going to pay for my emergency response system and monthly bill.

United Health Care has and continues to fail the health industry. A stroke that a family member suffered was never recovered from. Why? This insurance company withheld a rehabilitative wheelchair from him, which was due him for recovery. He ended up in a nursing home and his health took a downturn. After 5 years of complaints filed against them to obtain this durable medical equipment, my family member passed on. UnitedHealthcare needs to be shut down. I have 5 years of medical documentation to support this review, along with having tried to bring in an attorney to resolve the insurance denials. This company supports death and not life-giving assistance to recovery of the health and welfare of "covered" individuals. They are a disgrace to medicine.

Absolutely horrific service when it comes to out of network claims. I would advise to never make an out of network claim. They can't find paperwork that was faxed in, or they are "processing" the claim, then finally after fighting and fighting toward getting them to even grant a decision on the claim they of course deny the claim and then if pressed they only state vague reasons for the denials that are so highly medical jargoned that one could not possibly understand or wade through all the hoops to have the reimbursement processed successfully. They take so long at every step and make it incomprehensible until one simply cannot endure the process and gives up. They also have an online portal for claims that is incredibly confusing .. They changed the claim numbers on submitted claims and combine or separate items and then say they denied because of incorrectly combined or separated items.

Noha is a very kind and patient woman. She’s so sweet, she helped explain so much to me about health insurance. This is my first time paying for my own health insurance so she helped walk me down every question and concern I have, Noha is a true hard worker. She deserves a raise!

If I could give less than 1 star I would. I chose UHC as my Medicare provider April 2025. It has been a nightmare dealing with them a year later when they decided that all the providers I saw in the month of April of 2025 to take back their payments which left me on the hook for it. Yes I had Kaiser for the month but knew I would be losing insurance and that is why I took the medicare I was entitled to have and considered them to be my primary. I had several Dr. visits that month and they all submitted in a timely fashion for payment, were paid and then 8-10 months later UHC took back their payments which then left me on the hook.

UnitedHealth Group's, WellMed/Optum's take over of my dr's practice has decreased the medical care and their billing is a MESS. The providers are not the problem, WellMed/Optum is. No resolution from multiple complaints to their corporate. Absolutely a horrible company that make amazing Drs and staff look bad.

I now have untreatable left side drop foot in part because of the United Healthcare Community Plan. I injured my back causing the foot drop in February, 2024. I was admitted to Lynchburg General Hospital for three days, given a temporary brace and released. My primary care provider set me up with 6 weeks of physical therapy which I completed. My physical therapist recommended that I see a neurosurgeon because they could not improve my foot drop through physical therapy. I made an appointment with a neurosurgeon in Charlottesville, waited six months to be seen and was called the day before my appointment to say that my MRI was too old.

TERRIBLE CUSTOMER SERVICE. My therapist who was originally "In-Network" moved to another group and has been trying to get back "In-Network" for 4 months. When I call them to find out what the hold up is, I get BS and run around. UHC has OUTSOURCED every call so you only get people to read off a script and cannot think or even understand what the issue is. I have called over 10 times and get bupkiss from them.

My husband and I are seniors. The first year of this insurance was great, there was no premiums to pay. Year 2 we each have to pay $34 a month with frequent denials on procedures. If you’re not on welfare or an illegal alien terrorist, your insurance sucks. Yet my hard earned taxes pay for free services for these morons.

UHC is a Dow listed 256 billion+ company. I have my medicare supplement and part "D" plan with this company. Much to my surprise, the part "D" drug plan does not cover any prostate medication that relaxes muscles around the urinary tract, a common problem for older men. I guess the drug companies are not "subsidizing" any such drugs to the point where UHC can meet its profit goals by permitting them.

We were looking into coverage after retirement and had received a quote from UHC to take effect after employer insurance ends, which is one month. To our surprise, UHC took the payment ahead of the agreed upon time and will not return it, stating they have no record of the conversation (which they wouldn't since it was through a broker). It makes no sense to start coverage before our current coverage ends.

I have an advantage plan with UHC, or should I say I did. UHC has a Chronic Disease plan that helps people in financial need for low income, you qualify by having a heart condition, or diabetes. I fell under heart condition, your primary care doctor fills out which I had my doctor do, on May 11, it was faxed to UHC. On 6/3/26, I lost my coverage because said they never received it, which my doctor has proof of it being sent. Now the fight begins. If anyone does something like this, make sure you have all your ducks in a row.

Worse insurance company ever. I called them to inquire about mail I got from them. Next thing I know, they signed me on their insurance without my permission. Worst 2 weeks of my life trying to get rid of them!! I have great insurance. Don't need their BS. They're very conniving. I wouldn't trust them at all! The US government should shut them down, in my opinion!!!!

I have UHC gold, no deductible. I have had a shoulder pain in my right shoulder for over 2 months, I can't reach across to me left side without so much pain in my shoulder that it nearly drops me to my knees. I stretch out my right arm in front of me without the same pain or even reach over my shoulder to scratch behind my neck without the same pain. It feels like my shoulder is dislocated or something. Iit doesn't feel like muscle pain at all but every time I try to ask any questions all I can seem to ask are the ones that are in the selection they have out for me. If I try chat I get the same thing and only their selection of things that can be wrong with me. If this is the only choices I have then this isn't worth having.

Beware of UnitedHealthCare if you have extra benefits from (walking, going to Dr, sleep patterns). They allow you to earn 300 dollars a year. If you stay with UHC, but from a private company to Medicare… They close your account down, so that you cannot collect the money you earned. Every agent I spoke to had a different answer. I intentionally put it on a virtual Visa card before I switched coverage. But they will not allow me access to my account to collect. I got the run around for about 3 hours. Absolutely horrible.

United Healthcare is the worst insurance company ever. I had them two years ago and it was nothing but a nightmare. My company switched over to CIGNA which was great. Never an issue, never a denial, just everything went so smooth. Now I am back to United healthcare and back to the nightmares. My first prescription was denied. If your employer is looking to switch make sure they know United healthcare is the worst insurance company out there. If you have to pay a little more avoid this company. The worst.

The worst customer service, they don't care about you once you sign up with them, they don't help with anything!

Do your homework 'cause these guys will lie to get your business. I am on disability and so got medicare and these guys said they were better than the other guys. I would get 40 for otc like vitamins and then they would see if I qualify for food allowance since I have chronic diabetes and afib. Well I do qualify but yet I don't get anymore than the 40 that for the vitamins and food. How the heck is 40 for otc now also for otc and food helping anything. Oh wow. I get 40 a month to pay for vitamins I'm prescribed to take and for food. I can't even eat for 40 a week much less a month plus pay for vitamins. Do not trust these guys. They lie and don't care about their customers.

UnitedHealthcare charged me $427 a month. For each doctor visit that I had to the tune of $1080 they covered $67. In addition, they covered zero dollars towards prescription medications like blood pressure and cholesterol. They are a fraud and a scam. It’s no wonder their CEO gotten assassinated in the street after firsthand experience with this criminal organization. He absolutely deserved what he got.

Horrible customer service. Slow as ** requiring multiple appointment rescheduling and refuses to pay basic follow up for a brain tumor.

The way that I've been treated from their staff on the phone and now them denying a medication that would help me with a few other health related issues I've been dealing with. Here it is May 26th I get 3 letters from them, the first said that if I wanted to submit additional paperwork or information regarding this appeal that I NEEDE TO DO SO BEFORE THEY MAKE THEIR DECISSION. Literally 2 days before the end of the 30 day appeal process. Wait it gets even better!

This is under their Orthopedic department. **’s team. One of his team members that handle his appointments named Brittany seems to have a low esteem for certain patients. ** did an operation on a wife and all kinds of complications have arrived post operation. He had failed to see her and Brittany keeps pushing the appointments to see him from June all the way to July now. Regardless of the pain she is suffering post operation. You would think that any doctor would see a patient especially with post surgery complications. I guess he doesn’t have the time. The lack of customer care by brittany and scheduling is ridiculous. Be aware.

This company is a scam. I have called multiple times and they have hung up while I'm explaining what I was hoping to do. They have said they'll do things and then when I call back to check, they say the calls have never happened. I tried calling a 4th time and they claimed to be closed when it was only 3pm. They close at 5.... Very shady. I don't know what to do. No, I did not yell or anything, calmly explained what I needed and they were rude and hung up on me. I can't afford the bills so I took myself off the plan, I was told I was taken off and then they told me that entire call never happened. How am I supposed to pay from an empty cup.

Worst company ever, do not work with them, coverage is horrible, and the customer service keeps you in an eternal loop calling back and forth until you get exhausted.

I called to find out my prescription drug kept changing cost for it and was on the phone for 50 minutes trying to get answers to no help. I called back and was told what my cost would be after being on the phone for over 90 minutes. Went to ok the drug cost and found out it was not changed, call UHC again and got the same run around for over 60 minutes, after becoming frustrated I asked to speak to a supervisor and was put on hold for another 20 minutes before someone walked me through what the true cost of my tier 3 drug would cost. Trying to find out an answer to a drug cost take over 4 hours and being put on hold is ridiculous. Customer service is as bad as it gets and trying to talk with someone you can't understand. Even if they tell you their names are Mike, Allen, John and Deanna?

I went to the doctors but of the day and my A1C was high. It was loving something. My doctor wanted me to get on Ozempic but every time he requests to get it United Healthcare denies it and it's been 8 or 9 times. My doctor gave me a samples to take. Now it's been helping me my blood pressure was low. I was losing weight. Everything was looking good and then all the sudden I had to stop the samples cos I ran out but United healthcare denied me. My weight gain, my blood pressure came back. My everything it's been changing headaches I've been getting and when I was taking it I had no problems whatsoever. So truthfully I believe that United healthcare/Kancare does not care about people that has diabetes. We just have to suffer and that hurts.

I have missed every dr appointment since I switched to Unitedhealthcare when I moved, I chose the plan for the medical rides I need to dr, and now they have never picked me up to go to any appointments for over 7 weeks, they just keep repeating that they understand my frustration, put me on hold for a supervisor, and have me start the process over, over 4 hours on phone today, over 20 hours this week, I've need to get in to a physician for my blood pressure and heart meds, and I've had no glasses and need to get to optometrist for over 3 weeks, I've scheduled rides, early, to make sure, I've told them the instructions "I need a non emergency medical ride." I was told to say exactly that since April 1st. After 1st time they didn't show up. It's now May 19 and nothing I try works, the call center is beyond annoying, and without my blood pressure meds, my lack of vision from not having glasses has me about to need an ambulance.

Updated on 06/14/2026: I had to go to another dr endocrinologist and UnitedHealthcare did end up approving my cmg. So wanted to update my review so now I can sleep. Feeling that if blood sugar drops an alarm will go off. Thank you United healthcare.

I was at UHC today, lan technician was very rude and unprofessional, will never wants to go back there. Called the member services and asked to charge the insurance.

I have never been so apaulled and disgusted by a company and their customer service. I mailed three identical appeals, (because I didn't trust a mail in system,) and no one can tell me where they are. I have been told I would get a call back over 10 times and no one calls. I have been flat out lied to that claims were paid when they were not. They ask if you want to stay on the line for a feedback, but that doesn't even work. I have been lied to, appeals ignored and thrown out. I mailed in a complaint and thrown out. Watch out. They do not care about taking care of their customers.

Almost $700 for a wellness check. I'm due to the state looking for a doctor and the first thing the doctor says is, "Call me doctor by a letter because you won't be able to pronounce my name." And then they say, "Oh no you said this that and the other thing." So we had to check that out whatever they mean by that basically they're just trying to lie to me so they can steal $700 which I paid cause I paid my bills but I will be obtaining an attorney.

Absolute trash, save your money... I tried to cancel for 3 months now the representative is extremely rude and claim that I never canceled, but I've talked to five different people on five different occasions, and they have all said it's been canceled, but they continue to charge me! They also told me it's going to take two or three business days to receive an email!!!

Worst experience of my life dealing with this insurance company. From the poorly knowledgeable employees to continuing to take out premiums from my bank account after finally cancelling the plan at which time I was told I would not be charged because it was cancelled. I spent countless hours on the phone trying to resolve issues being transferred to a new rep, having to retell the story, and getting no resolve whatsoever. This company should be investigated and held accountable for their shady and unethical practices. Oh wait! They are being investigated, just not yet held responsible. I would NEVER in a million years refer ANYONE to this company. I feel bad for any senior having to navigate this horrendous company. United Health should be shut down. If I could give zero stars, I would.

It is completely reprehensible how United Health Care does business. This is one insurance company that should NEVER exist. Did you know they will go behind your back and make changes to your insurance policy. Cancel your policy without notifications/reasonable cause/s, and you have to turn around and call to undo the damage/s they have done. People with health issues is a game to them. Persistent with taking people on roller-coaster rides causing havoc and hell in individual's lives.

Despite having had every possible diagnostic test, AND being diagnosed with severe aortic stenosis, UHC denied my doctor's pre-auth request for a heart cath/stent. Also denied multiple appeals from both me and my provider. This has been going on for weeks. I asked UHC today for the phone number to their executive appeals office and they actually said "they don't talk to members". WTAF?

I have been trying to get a network provider specialising in psychology for over 2 months. The UHC site has numerous names, not one has had a referral approved as "out of network" even though they are clearly indicated as in network. My PCP has assisted and cannot understand your failure to provide services. Why do you show providers that are useless as they are never authorised for referral? I am past urgent stage, I am in crisis! No one cares! Antonio **, member id **.

Coding medical bills incorrectly and after many phone calls, plus writing to the company, absolutely nothing resolved! Many primary doctor visits coded incorrectly with Cleveland Clinic! Cleveland Clinic charges a facility fee, and United does not understand this charge. Each representative I speak with is in a different country, and most are not at all helpful. This was a great company until 2025, and now the worst customer service!

United HealthCare is not a company I would recommend anyone. Customer service is not helpful at all. Most are clueless and don’t know anything. UCard benefits is very low. Who wants $45 every 3 months (which equals to $15 a month). I don’t bother getting from UCard Benefits. United Health Care has High Co Pay for seniors.

The worst customer service you could receive. You're provided with numbers on the app and you call and they nowhere. You can’t even get simple simple information you need. You’re being transferred and given different numbers to call and no one can handle the call. The process is horrible. Coverage is horrible. It’s a disappointment that Texas has to use UnitedHealthCare as one of their marketplace.

They have the worst customer service. They lied. 6 calls just to get my PCP changed. And every time I spoke to them, I was lied to and was told it was changed. Was told they would send me a new card, and I called this morning and nope, they haven't sent it.

The most corrupt medical insurance in Washington DC and New York. Americans must avoid these corporate ruthless reckless criminals because they will murder you and your family. Pathetic ** abusers.

So disappointed in UHC website and app. Both are no longer able to give information about doctors, dentists, or blood labs. Have to call each and every time. It's was never like this. I have had UHC from when I was employed to switching to Advantage Medicare for over 6 years. Plus my husband was on UHC for long term care that was from 2023 to his passing in 2025.

Bad, really bad. I call 877 977 8812 for Prior Auth, everybody ignored me, and transfer me for 3 days with no result, Luna, Ashely, James, Maribel and 4 more person but anybody cooperate with 1 Prior Authorization. The owner of insurance UHC choice plus 2 are really upset because the insurance only get the money but anybody can help in the insurance

UHC was one of the best providers out there. Until this year. They moved one of my requires from a Tier 1 to a Tier 3 costing me an additional $2000 yearly. This was without any notice. Also a OTC is now not covered. Poor response for justifying also.

I am a medical biller and coder and I have to contact United Healthcare for incorrectly processed or denied claims constantly. Additionally, even when I have gotten approval for claims to be paid correctly their processing department continues to issue denials and incorrect payments to the point of being absurd. They violate contract guidelines, patient rights and state laws regarding claims and processing. The customer service staff and escalation department do what they can but they have no control over claims processing and of course there is no direct contact to the people who actually process the claims.

I have been spending 3 months trying to find a doctor who accepts UnitedHealthCare - I called united and their people overseas provided names and we call to schedule appt & when we get there are told the doctor does not accept united health care - this insurance is terrible if none of the doctors will participate - stay away from united health care - they steal your money and provide zero coverage.

UHC rips off its customers. Look at the $25 OTC credit for 3 months. UHC does not tell customers that they have this credit, does not tell them when the credit is expiring via email, text or US mail. Most customers don't know they have this credit, nor are even able to access the internet to order. UHC makes millions, I would say billions of dollars from cheating members like this.

This is 2026, and this company does not have internet access to be able to send me my information to my internet. I normally don't have much issues with this company but think somebody needs to get on the right year and maybe get the internet access like everyone else has.

I knew as soon as looked at the reviews for UnitedHealthCare it was going to have bad reviews. You're sneaky UnitedHealthcare popping in 5 stars reviews in between 1 & 2 star reviews to confuse people. I'm sneaker it was me that liked every single 1 star review. As much as I do hate human beings I still care about them and their well-being unlike you united. This is why people start hating because of people like you that don't care.

UHC refused to allow my doctor to refer me to a specialist; I have kidney disease and need to see a Nephrologist; they claim that my PCP is not my doctor; my PCP has been my doctor for 3 years! I spent hours on the phone trying to get this resolved to no avail. They are denying me care, based on what??? Shame on them. I have contacted the Dept of Insurance and made a complaint.

They insist dental claims done by mail only (not on-line), and do not list criteria in writing (must call to have list read to you). This is so obvious a move to make barriers for legitimate claims. They are evil.

The online portal is constantly broken and you're waiting upwards of 20 minutes if you try to contact Customer Service at all. Better clear your schedule. And the stuff that they suggest doesn't even work because it's been two months and I haven't been able to make an online payment. It 100% feels malicious in nature like they are trying to rack up a huge bill that they can then come after you over. I guarantee as soon as it reaches a certain amount all of a sudden their payment portal will work. It is not the client's job to chase down basic services like making my monthly payment. I'm sorry, but it just isn't. It's about time that companies were held accountable for their piss poor business practices.

How My Husband has Fallen Through the Cracks in our Healthcare System. Hospital delerium with inability to rest or sleep - constant thrashing and fidgetting, multiple skin tears on arms and legs, incontinence, deconditioning after lying in a hospital bed for 12 days, inability to weight bear, inability to get out of the recliner he just was transported to from the hospital. This is my beloved husband. Three weeks ago, we were enjoying life and now we are reduced to this.

Having to deal with offshore agents makes me want to gag! Tonight I had to call 3 different numbers to get an answer to my question. The 3rd call dropped my call entirely so I have to make a FOURTH call. They are hard to understand and do NOT listen when you ask them a question or ask for a clarification. Questions have to be repeated over and over so they finally get it! I have to grit my teeth EVERY time I have to call UnitedHealth because the experience will ALWAYS be terrible! I am going to dump them like a hot potato in 2027.

United Health Care is a shit insurance company. This is why people go off on companies and I mean off! You cannot get help through them or doctors even when you FEAR FOR YOUR LIFE! My son is over a year on his MS infusions, yes when he changed jobs he had to wait but he may not have to wait much longer if he dies from not getting help from this insurance. All I can say is DO NOT SUBSCRIBE TO THIS INSURANCE COMPANY IF YOU HAVE MEDICAL ISSUES!!

I can't even believe how poor we treat our elderly. United you should be ashamed of yourself. It's ridiculous to offer a dental plan that is the lowest plan already and then you don't even give them the benefit for periodontal maintenance cleanings knowing that most people on Medicare are going to fall in that category. Now they have to get screwed more and pay it out of pocket. What really is ridiculous is that you take no owner ship to it and tell them they do get two free cleanings a year when you know damn well, they are talking periodontal maintenance or telling them that they should have the dentist give them their free cleanings. NO, you should be owning up to it that the benefit was cut and why they don't qualify for the prophy cleaning. United Health care is shady and out to line their own pockets.

As of January my husband's company switched to UHC from Cigna. I take ** 3.5 which UHC won't cover and it cost me 92.00 a month. So my family doctor put a PA in to see if UHC would start paying for my ** 3.5. No UHC still would not, but Instead they would cover the ** 5m or the 10mg. So I went with the 5mg. I called UHC to see why they have not add my Jan, Feb or March months that I have paid out of pocket for my ** 3.5 and UHC said because since it was not put through the insurance they won't put that months worth of out of pocket expenses towards what I have paid.

Worst company I ever dealt with. Screwed up my account with someone else's and doesn't know how to fix it. Can no longer log in or use my card - my OTC is now nonexistent. Hate them.

72 years old. UnitedHealthcare took my food card away for months. I have tried to sign up with Conviva. Got hung up on. Waited 1 hour. No food, on a fixed income and no where to get around. They tell me to go to food pantries and churches to get food. At 72 I have to have a chronic health so I don't have coverage and asthma heart medicine and nerve medicine. They put me in danger by playing around. Don't use United Healthcare. It is bad.

I just wanted to say that I had one of the best phone calls to United Healthcare I have ever had. I am embarrassed because I forgot to stay on the phone to give a review. I think the man's name was Winston or something like that. He was one of the few that actually solved a problem I was having with the referral process. He promptly got an office manager on the phone to help with the problem. They called the doctor, and everything was settled. I don't know the office manager's name, but kudos to you both for excellent customer service! I wish all my calls to UHC could be like this one!

I found out on 4/3/2026 that my mom's Medicare coverage expired. She never received any notice that they were terminating her coverage. I checked online documents and none was sent. She has no computer ability and if I hadn't checked she would not have known she didn't have coverage until she went to use it. What heartless company does that to an 82 year old woman? I am absolutely furious that they didn't give us time to find her new coverage.

I’m permanently disabled, legally blind, and epileptic. I live alone in Texas, without family or trusted UHC benefits. Instead, they’ll leave me to die! I take medication I’m allergic to, which is my seizure medication. My primary care physician has to see me to get the adjustment, but UHC took emergency rides away! I tried to go to Urgent Care for my seizure and symptoms of a high heart rate spike of 123 bpm and chest spasms! They said we could schedule an appointment for Monday! Smh! I’ll see you in court if something happens to me because I’m allergic to medication I’m taking! I had a hospital stay for five days, and they didn’t provide meals after discharge! They took them away, and I can’t cook! They’re killing me!

Stay away from this insurance. They refused and deny to pay $120 for my Libre-2 sensors. I’m changing this insurance. The only thing they do is collect premiums and deny claims.

All I get is unfiltered crap from United. Nothing is tailored to me as all they care about is the most economic benefit to their shareholders. You are terrible but I have no choice. I will never take time for one of your surveys! I did that today and it was a total cluster where it must have been developed by a high school gamer. Screw united!

Absolutely horrible. They have outsourced all member and patient services to India, so half the time you can't even understand them. Unable to get even the simplest things done. Dropped my son from my plan because he got a new job, and still 10 days later do not have an updated invoice to pay. Premiums went up 60% this year alone! No wonder their stock keeps dropping with these kinds of issues. Avoid them if you can.

This will be my last year with United Healthcare. I had scheduled an procedure in 2025 to be done early this year in 2026 and it was approved by United Healthcare and when it was time to have it done I received an letter from the hospital telling me that I got to get it rescheduled and an referral letter from my doctor which is no longer in their network, but I got to go to another doctor that is in their network the one that they chose for me, to get an referral letter to United healthcare so I can get approved for an procedure that I was already approved for with my prior primary doctor. Make that make sense, this will be my last year with United Healthcare.

All I can say is I overpaid them money and they spent over an hour on a phone trying to get my money back for me and they did what a good group of people at United Healthcare. I don't know the woman's name, but she was fantastic.

I am both a member & an agent. UHC has been my go-to company until this year. Their service has been atrocious. It's a crying shame because they were the best in service & claims paying. Now, they have "customer service" people that don't speak English and don't have a clue what they're doing. Case in point-I have a 90-year-old member that has had the same Medicare Advantage plan since 1/1/2023. Somehow, they have in her records that she dropped her plan in October. (She didn't) so she has about $2,00 in claims that are unpaid and she's being sent to collections. The customer service keeps telling me the charges were incurred after she discontinued coverage. She never dropped her coverage!! To top it off, the rocket scientist on the phone hung up on me. I've never seen a company go downhill so fast.

Some claims “specialist.” No idea who she was, a customer service rep said, “it isn’t her fault,” so I say she. They/them/it denied my hospital indemnity claim despite my itemized bill being an obvious 2.5 day stay. No, I do not expect they should have approved it, although I don’t care about it losing its job, I understand that they can’t override and approve without certain billing codes. My problem lies here: was the hospital stay and major surgery not a red enough flag for this idiot to question? Or even bother to contact me? No. It wasn’t.

I finally got through to a supervisor to question them not paying a claim. She said that the doctor was not in the network, they had paid before. I checked the doctor's office and they said he has always been in the network. I rechecked UHC providers and sure enough he was listed on the network. All of a sudden my claim was mysteriously paid. Thank goodnes. DO NOT BELIEVE WHAT THEY TELL YOU OVER THE PHONE. Don't give up, keep trying to get your claim paid. Now they will only pay for 1/2 of my wife's pt. These problems have only happened since the start of 2026. Had no problems the prior 10 yrs. Wonder why

Since November of 2025, I have tried to cancel my Drug prescription coverage for 2026. Initially told my request would be effective with January, since then I have had to send in the same paperwork multiple times while United Healthcare continues to charge me a monthly fee. I call customer service and they send out the same documents I have sent in previously in a seemingly endless loop.

This is the worst load of hog poop I have ever seen in my life. Americans need to come together and destroy these companies. They do not provide what you pay for!!! ** pathetic!!!! No rx #, no customer service, they are nothing but crooks! All health insurance is trash 🗑 now. Americans need to wake up and start golfing accountability. No words can describe how worthless this insurance company is!!! BCBS IS JUST AS BAD. It's time for Americans to stand up against these crooks!!!

UnitedHealthcare has the absolute worse customer service. Most barely speak English. I had a dispute when they charged $261 to my bank account for a medicine that said -0- on the internet. I found out after a few phone calls that the prices had gone drastically up this year and that the reason I signed up for them to get Restatis and another month was not now possible because of the outrageous price. I cancelled that day and was told that most likely the February payment would not be taken out and to return the medicine. I returned medicine.

As of January 1, 2026, under the same UHC insurance plan that we had in 2025, benefits have decreased substantially, monthly premiums have increased, drug costs have increased, and co-pays have increased. The dental plan is a joke. For instance, the same dental plan we had last year now only pays for half the cost of just a basic teeth cleaning.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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