UnitedHealthCare Reviews

Worst insurance company on planet earth. All the mean horrible things you’ve learned about UHC? They are all true. Every bit of them. Good luck to you. Awful, horrible practices and they don’t cover medication you require to live.

They don’t have free memberships for the YMCA in Florida. They need to get their head out of their butts and do something about it. I want them to add the state of Florida to get the free Gym Membership at the YMCA.

They are awful, I had earned rewards and they won't even give them to me after I unexpectedly lost my job! As if that wasn't bad enough now they have to keep more money for themselves. I will never use them again unless they want to make this right. GREED!

How many times does my primary care doctor have to send a referral over to my orthopedic for you to pay my freaking claim. I’ll tell you. 3 times. What a joke of an insurance company you guys are. Wasting so much of my time. Get your systems squared.

If I could give negative stars, I would! My husband’s company switched health insurance from Cigna to UnitedHealthcare this year, and it has been an absolute nightmare. This is by far the worst insurance company we’ve ever dealt with. We went for acupuncture treatments for back pain — six visits total — and UHC only covered ONE. The doctor’s office submitted every single required document, but UHC still flat-out refused to pay. They make everything a battle and drain you with their endless red tape. The most frustrating part? With the exact same doctor and exact same treatment, we never had a single problem with Cigna or Blue Shield. But with UHC, it feels like their goal is to deny claims and wear people down. Stay far, far away from this company if you have a choice! They will waste your time, your energy, and your money.

Horrible insurance to deal with. I have been denied services my Drs. have ordered for me. Tried to work with UHC but no one will respond with an answer that was not read from a script. If you want the worst healthcare, you can get then by all means go with United HealthCare because they suck big time.

Yes, I signed my special needs brother in law up for UnitedHealthcare. I have POA. They did not ask for any paperwork to be signed to handle business for him. I told them of his meds and that he gets it through the mail. Well my brother-in-law meds did not show up. I call 9/01/2025 but it was a holiday so we have to wait until today. On 9/1/25 I spoke with someone who said the meds were not in the system...told me to call back today. I called today 9/2/25... Well today he needs to be present. Ok he is not with me because he goes to adult daycare. Today they need an authorization but never provided a form for me to sign. Somebody make it make sense why these folk don't consistently do the right thing then hide behind rules that they do not consistently follow?

I have had UnitedHealth for 4 months. It has not followed through with the coverage they agreed to. Our family has had 1 ER visit and 1 Urgent care visit and they are not paying. They also are supposed to pay for 6 chiropractic visits and they are not providing that service either. They are difficult to get in touch with and when I did reach customer service, there was so much noise in the background I could not hear the representative. I would not recommend this insurance company to anyone!

My disabled son and I went to a church health fair. We were talked into a plan with UHC. Was told all his doctors were covered with their insurance. My son broke a tooth during a seizure. We went to his dentist then was referred to an oral surgeon. Unfortunately that doctor did not take their insurance. I went to UHC list of doctors only to be told by all 4 oral surgeons no longer take this insurance. We have been trying to cancel this insurance for a month only to be told we can't cancel until open enrollment. But they let him sign up after open enrollment. My son has been in pain for a month. Do not stop at a booth at a health fair. It will ruin your life and health safety.

If I could give a zero to UHC it still wouldn't be low enough. After falling out of a U-Haul truck and spraining my wrist while moving, UHC has denied my claim. Now I have to go through U-Haul and file a claim with them, which you know they will deny and then I'll be forced to get an attorney because everyone is too cheap to cover me, even with health insurance, which I pay into each month. It is no wonder A 2024 report by The Commonwealth Fund found the U.S. ranked the lowest, 10th out of 10 of developed countries in health care coverage.

Calling out prescription copays for asthma inhalers. $400 a month, which I don't think most people have lying around. This is for breathing not just frivolous. So I am leaving hospital without. Dr's spent their time trying to find affordable alternative and guess what there are none. No faith that any healthcare company really cares, it's all about money, not their fluff commercials, just an illusion if you happen to be sick. Very sad

I have asthma and have had carry my Ventolin inhaler, in my car, when I go on my errands and work. (2000 - currently) I did smart lung test, pulmonary function test. I use my nebulizer at home. I was on Medicaid, got a job, received work insurance, no problems. This insurance, now, denies it. I have heard of folks at work, being denied of insulin or sugar pills. And now, it's my asthma emergency inhaler. I get my meds from Walmart, it says, prior authorization, I called Dr, they says insurance.

Worst insurance company in the world. Stay away from these people. I pay over 800.00 a year in insurance and all I get is 200 a year for preventative care.. Buyers beware!! My policy went up over 100 dollars a month this year. For what? I have paid this insurance for 3 years and never used them.. Buyers beware, do not buy this insurance, you will be very, very sorry you did. You would be better off paying as a self pay. This is twice that they have denied a claim. The sales people are as crooked as they can be. They do not explain anything the way it actually is.. Nothing but deception with this company

We had been enrolled in autopay for our United Healthcare insurance, and for some unexplained reason, their system stopped taking our payments. I noticed the issue myself, immediately made the payment manually, and even re-entered all the autopay information, which was still active. The card on file was valid, so I believe this was an issue on UHC’s end, not ours.

It is unacceptable that UHC is about to lose the use of the John Hopkins’ prestigious doctors & facilities because they abuse their power as an ins. company. We are about to choose an ins. company. If UHC doesn’t correct itself, we will not use them any longer. Unacceptable!

I cannot log into my UHC website now for 12 days. Phone conversations with UHC people are totally useless. Most UHC people are extremely slow to react and do not or cannot understand or communicate intelligently. After multiple UHC Chat attempts I finally got UHC Chat to assist. After 2 days being transferred to 3 different departments, I finally got a ticket to fix the problem (I hope) but it will take 5-7 days. There is no connection ability internally between department. The left hand cannot communicate with the right hand. Very poor management of UHC.

This will be short... United Health Care has been my insurance carrier, for over twenty years, because it is my only option, through my employer. I have had the same doctors, through Ascension (primary, gyno, rheumatologist), for the same 20 years. Now, due to a pissing match between the two, UHC decided that Ascension will no longer be in network. This is absolutely ridiculous!

Got to the first phone interview, couldn't even understand half the things the lady was saying on the other end no matter how many times I asked her to repeat so wasn't sure how to answer. Of course didn't get to move forward since I couldn't understand the questions being asked. 😂 Oh well, all I hear is it is a bad company to work for anyway.

Do Not Purchase This Insurance!!! This insurance company is a complete fraud and they will do anything and everything to deny services for your child. They will blame everyone else for why something was denied except for themselves. They will tie you up for weeks hoping you will get tired and give up fighting for your child. This has been the worst experience with an insurance company ever. I hope karma will reach all of them!

I was trying to log in to my United healthcare and couldn’t. The website is not user friendly at all. After chatting and being on hold for 25 minutes on live chat, I still had no answers. No customer service or email included.

I have a $3,000 reimbursement for hearing issues because I wear a Baha Cochlear Bone Anchored Hearing device. I sent in the required "Reimbursement Requests" Forms twice (with copies of audiologist's invoices). The 2nd time I mailed it registered mail. I called several times to speak to the department that handles this and nobody can seem to get me to the right department. Now they are saying they "can't read" what I mailed them, but I could read it fine when it went in the mail. Bottom line, they don't want to pay out Reimbursement Requests that need to be paid. They don't email or call me to clarify anything. It's a mess. It's too bureaucratic trying to talk to someone who just bumps my $500 refund request to the "Escalation Department." Don't know what that is about either.

THEY ARE A JOKE! Pay $130 a month for both. They paid $60 on an $1800 ambulance bill. 56 CENTS on a $350 artery scan. The list goes on! You’re better off putting what you pay to them up a month, as they don’t pay $hit! They are a fraud /scam! Then they threaten if you cancel, they can go back and collect money they've paid. It’s a wonder why the ……..🤔🤔🤔

Tending to a sick friend and have been thwarted by UMR at every turn. They make it as hard as possible to make cobra payments, get the disability benefits she paid for (for years) and they found excuses to cancel her coverage several times. I've successfully fought all their chicanery at the expense of many hours of my time. They are only concerned about the bottom line and look at patients as customers and will stop at nothing to increase their margin.

UHC is a terrible company. First, it takes about 8 minutes to get a human being on the phone. Then, they pass you from one person onto another. They do not cover the meds my doctor has prescribed. To top it off, a nurse actually suggested to me that I go to a church and ask them to pay for my migraine medication even though I'm paying a monthly premium to UHC. My migraine medicine was $1.50 in March thru tenncare. It's now $644.00 thru UHC.

I am just going to say that I have never had an experience like this with an insurance company. Dealing United Healthcare has become a part time job and a source of huge stress. I believe dealing with United is actually bad for your health. $1,000 per month buys you an anxiety disorder! :(

If it was possible to give this company 0 stars, I definitely would have. I have been taking the same medication for 10 years and the company that I work for switched to UHC. Their customer service is abhorrent and everything is denied. The generic equivalent of the medication that I was prescribed was $1700 a month (after insurance and the co-pay card). I was paying $0 to $5 for the Humira that I had been taking and now I can’t afford my prescription at all. Thank you UHC for nothing. Insurance companies should not be telling the doctors or the customers that anything is denied.

So my sister has type one diabetes and United Healthcare will only let her get three pods per month so if one goes bad, or there’s a month with 31 days she won’t have one. Is that OK? Nooooo!!!! I can’t believe that they have that terrible policies. Avoid this stupid healthcare insurance.

Do not choose UHC Medicare Advantage Plan as your primary health benefits. Stick with Medicare (red-white-blue) and purchase a supplemental plan. You will thank me. My mom has been denied coverage due to doctors not accepting this plan or denied treatment by UHC that they deem unnecessary. This would not have happened if she had regular Medicare. Stay away from all Medicare Advantage Plans, period!

They have been thorough. I was on the phone for 2 hours going through my meds and all that with the person who put me on it. I had written a bad review and I wanted to erase it. I can't find it anywhere. Maybe they never posted it but it was cruel and I'm sorry that I posted it because it made reference to the assassination of the CEO.. My regards to the family. And thank you United Healthcare.

Poor customer service. IBM gives UHC money and then doesn’t give any extra benefits. They never agree with an appeal, it’s just a justification process for them. Worst healthcare experience I have had.

Customer service intentionally frustrate clients to get rid of the call. This is a business model based on greed and rip-off. It is Embodiment of exploitation of Medicare clients. Plans are constantly changing to add to their profits. The worst insurance company ever.

★★★★★ This is the best insurance company I have ever worked with — hands down. I’m not exaggerating. Every single person I’ve spoken to at UnitedHealthcare PPO Illinois has gone above and beyond to help me. They don’t just answer your questions — they actually get on the phone and call your doctor, dentist, or any provider directly. Whatever the issue, they walk with you every step of the way until it’s solved. If you need medical supplies or help getting your doctor to complete paperwork, they’ll assign you a dedicated worker who will contact your doctor, therapist, or whoever is needed, and handle all the red tape to make sure the paperwork is done right.

Very bad customer service, representatives don't speak English properly. I don't understand, that's American company, we have so many people looking for work, but they give our job to people from different countries. Why? American job have to be for American workers not other countries. And if I call customer service I want to talk to someone who speak same language with me.

Customer service is terrible!!! You better never have a problem because nothing will be done about it. I was screwing around on the phone for three hours today and kept getting transferred and then cut off. Never did get my problem resolved.

This company is incredibly predatory and untrustworthy. Without any prior notice, they terminated our health insurance policy, leaving us completely uninsured and vulnerable. I have called several times to get more clarity and information, and I literally have agents hanging up on me. It leaves me completely shocked because I’ve had UHC for years and never had any issues! What is happening?

Literally the WORST. I am drowning in medical bills because of this godforsaken company. My employer switched to them midyear from Regence and United AND ADP told us our OOP and deductible would carry over in full. NOTHING CARRIED OVER. This company literally kills people and will probably kill me. They are the scourge of the earth.

If you can avoid this insurance, do it at all cost. They are ridiculous, within a year of having this insurance my urgent care copay went from 40 to 110 dollars. This is unacceptable. I am very unhappy with this insurance.

I recently had the pleasure of experiencing truly exceptional service from Lisa **, who went above and beyond to not only clear me of bills that were misadvertised in the first place, but also took the time to ensure future clients wouldn’t fall victim to the same false advertisements. Not to get too personal, but I’ve had a lot of life and career changes over the past year, and my mental health began to suffer. Through the UnitedHealthcare app, I found a coaching program that helped me manage my anxiety and negative feelings toward these growing pains. Unfortunately, the way the program was advertised was misleading, and I was left with a list of hefty claims I didn’t feel I should have to pay.

You might as well not have insurance. They do not pay for anything. If you're lucky, you'll pay slightly less than you would with GoodRX. There's a reason bad things happen to them. They earned their reputation brick by brick.

Credit where credit is due - Something got messed up with my billings/payment, and potential cancellation - I reached out to their corporate office, they were very responsive and they did a great job resolving it quickly and with great communication. They've also always been great about processing and approving claims.

Here in the United States, we have the worst healthcare system! Which is very Pathetic considering we live in the United States which is supposed to be one of the greatest country there is. If the United States was so great, United Healthcare wouldn't be ripping people off! United Healthcare will gladly take your money but when you need your life saving healthcare to save your life, they will deny you your life saving procedure. Worst Healthcare System. It should free healthcare for all!

1 only because I can’t rate any lower. This company is killing its patients by blocking coverage for anything and everything. Currently my wife is in the hospital with a debilitating back injury that causes her legs to go numb and she falls. The pain is so bad they want to put her on oxygen so she can go home and continue pain management until her procedure in two weeks. United Health Care is making her do walking tests to approve the oxygen. She can’t stand long enough to do the whole test even with a walker. UHC are a bunch of greedy capitalist murderers.

After 20 years with B/C B/S of MA, my husband's company was purchased by a large investment firm and forced to switch its employees to United Health Care until Jan of 2026 because B/C B/S could handle the merger for a 6 month period. OMG I have never in my life dealt with a more totally incompetent company than UHC!

Stay far far away! We got coverage from this scam of a company and they will take you money happily but will not cover even your basic needs. My wife and I both had preapproved colonoscopy and went to the pre appt. Mine was covered and hers declined. So we made a call in and of course it went to India. C/S was def Reading from a script. Also was told that the Dr. That they sent us to was being removed from their approved list. Their response go to someone new and start the whole process over. Not happy!

I have been with UHC for years. I recently was approved for Medicare and the transition was a complete fiasco. Customer support was very abrupt and did not help at all saying they can only talk to my wife to continue her coverage. Meanwhile my wife and son go without coverage because of policies that the previous policy has to be terminated and removed before new policy becomes effective. Waste of time to "plow the road" with them as I was in communications with them a month in advance. Joshua **, Regional Sales Leader, Meda Health Associates, 813-263-9847 is MIA and does not respond after several attempts.

United Healthcare is truly evil. When they’re not flat out denying your coverage (that you paid handsomely for), they’ll tie you up in bureaucratic BS for years…and then deny you. Their motto should be “Go bankrupt & drop dead.”

If I could give a zero, I would. These scam artists are taking over 500 dollars a month from my husband and I've racked up MORE medical bills than I did when I WASN'T covered! These people just TYPED OUT that they would not cover me 5-day hospital stay after 7 bags of fluid, a blood transfusion, and not eating or drinking for 8 days. They said I could've gotten better at home. These people are a joke and I cannot wait until my husband switches jobs so we won't have to deal with them anymore!

I have called many times asking why aren't UnitedHealth care paying any of my kid's claims. I keep getting bills from my kid's Pediatric claims denied. At first they said because I did not add the doctor to the list of providers. I am not sure if it is an excuse. We had UnitedHealthcare for 4 years and we have been going to the same doctors. Why some claims were paid and some claims were denied. Even the child yearly wellness visit were denied too. Every time I called they said it's fixed. It will automatically paid the claims now since it's been added. That wasn't true. After 2 weeks it still shows denied. My son has asthma so he gets seen a lot and shows $3300 not been paid. It's ridiculous we paid $1k a month for family coverage and they have been the worst insurance company. Their systems is always down when you call too.

UHC Advantage is the worst option when it comes to coverage, UHC simply just doesn't want to pay. There was a claim on Dec 12 2024 for $633, the claim for the same amount was paid by UHC prior and after Dec 12, 2024. When I received the late notice for the 12/12/2024 bill from the provider (Texas Health Resources) in January this year, I called more than a dozen times, each time I got the response that UHC will take care of the claim on Dec 12, 2024, I was told several times that I can just disregard this since it's the insurance's responsibility. However, until this moment (August 3, 2025), the claim is still not processed. This charge was for the anxiety doctor's service. This case is truly shown that UHC doesn't care people's health by adding on another heavy anxiety load to the patient.

My employer decided to switch insurance providers this fiscal year and went with this one. This change was supposed to have no impact on my prescriptions or health coverage, as the plan we left was Blue Cross. I called my providers to make sure that they had the new insurance on file once I got my new insurance cards, which took a week to get (which is a really long time considering I am on medication that does not allow for missed doses). I thought all the changes were fine because the insurance company billed for my correct medication at the correct pharmacy. Since the billing went through, I thought there was no problem. As a part of my condition, I am not allowed to drive so I called UHC to see if they could help me set up my medication from my current pharmacy to home delivery through Optum Rx. Here comes the fun. Grab your popcorn.

"United Healthcare has blocked access to my FSA. I only use it for bills from the doctor. This is done intentionally and it is an effort to steal my money. This corporation has no moral compass. We need to all encourage our employers to stop doing business with them". That review is spot on. I have now had my FSA card suspended twice even though it's literally my money coming out of my pay paycheck because these fools make you send a receipt via the postal service or fax. Who the F does that still!?!. So I did it and guess what?.. "sir we never received your receipt". You guys are using our money and have no right to suspend our our card. I understand the IRS wants receipts now because of low life's who cheated the system but you guys need to make uploading receipts online!.. UnitedHealthcare you are either using our money while cards are suspended or you are the dumbest/technological company in the entire world!

United healthcare Medicare totally sucks. Buyer beware. My wife has had it since January as part of her Medicare. Since then she has had to complain multiple times because they can not run their app normally. She has had problems signing in to app. She called. They took care of it and it worked 1 time after that then she called again and they told her to hit the stupid box on the app and they would change her password so she did and they told her she had to call customer service. This is a game they should not be playing with people's lives then she is supposed to have $2500 for dental and according to the dentist they won't cover $1200 procedure so she try to file a claim online but it won't Password. This is ridiculous. Never had a problem with an insurance company like this. They are horrible. Do not use them.

I have been to several optometrists for the eye care on their Medicare Advantage plan, and after hours of trying to help them, doctors state they cannot get anyone from the plan providers on my insurance card to help them make a claim, so the Advantage plan extra benefits are completely worthless in my opinion.

I have United Healthcare through my job but can't afford to use the coverage I pay for. They don't cover urgent care. Their co-pays are extremely high. It's almost pointless to make a doctor's appointment anywhere if you have United Healthcare unless you're rich.

I purchased a United Health Care US Health Insurance policy last year, consisting of 6 different subsections that they use to rip off their clients. I have Secure Advantage Sickness, Secure Advantage accident, Secure Advantage health and wellness plus, Medguard III, Accident Protector, Income Protector, all of which I was assured was an outstanding plan that I planned on keeping for the foreseeable future. I thought it was odd that they required me to have 6 different categories inside my policy, but I just assumed it was part of their marketing to make the policy seem more robust. Sort of like touting the US Health Group & Freedom Life wrapped in star spangled red, white and blue…Heck, they are as American as apple pie. Well after nearly 2 hours on the phone with several people in India from their call center, I discovered a lot more than just their name is a lie.

UHC/Optum partnered with Master Card for FSA accounts. They make errors often and only apologize and "put in a ticket" but can NEVER help you immediately even when it is their fault. After receiving a letter requesting receipts and description of service for a payment to a long time healthcare provider of mine (which I have paid with a UHC FSA card for several years?) to confirm my charges to an actual DR. office, I needed to provide paperwork and receipts to prove eligibility of expenditures. Receipt and Paperwork (provided in the letter) evidence can only be made via regular mail or FAX (of all things).

Denials for medications as well as treatment. Arduous appeal process. Basis for denials appears to be based on share holder value and they utilize the deny, defend and depose method. For profit healthcare will never be in the best interest of the patient.

The greed of this health insurance company is unmatched. I think we can classify them as the greediest of all health insurance companies for sure!! I pay for my insurance through my employer and my portion alone over the course of 8 years employed has been approximately 90k and that’s just my portion (my employer pays even more). On top of that I’m a nurse so rarely see a dr until recent so UHC has paid little medical bills for me!! So of course I was in a car accident and injured due to a drunk driver and they had to finally pay some things for me. UHC has the audacity to hire a lawyer and put a lien on MY MONEY cause they paid some medical bills which I understand that’s part of the process but at the same time, it’s rare that a health insurance even does this!! Of course not this greedy company!

This review is actually for United Healthcare's FSA accounts. They are absolutely AWFUL. Twice they have suspended my card/account for using it at the doctor's office. Isn't that what it's supposed to be used for?! I am not ignorant; I know what the card is for and I use it following the proper guidelines. Moreover, I sent in all the required documentation, yet they still suspended my card as they supposedly never received it. The customer service representatives perform their jobs professionally, so none of this is aimed at them. This is strictly about how AWFUL United Healthcare's FSA accounts are.

Absolutely the worst coverage on medication. I was on one medication for six months and they decided they would not cover that and wanted me to switch to a different medication that I’ve previously taken and it didn’t work and my co-pay on that was $325 whereas before I was paying $24.99

I had the pleasure of speaking with Anthony from UnitedHealthcare, and I truly can’t say enough good things. He went above and beyond to help me understand the costs of the services I need and made sure I knew what resources were available in case affordability became a concern. His kindness, patience, and genuine care made what’s usually a stressful, time consuming conversation feel surprisingly positive and smooth- something I never expected when talking about medical costs. Honestly, if more people in healthcare were like Anthony, the world would be a much better place. He’s the kind of person who makes you feel heard, cared for, and supported. Happy birthday to him again! He definitely deserves all the good things.

I made an honest attempt to confirm that a new provider I wanted to see was in network. I chatted with a UH rep as the provider did not come up on the UH website's provider search. The UH rep told me the provider was in network. I saw the provider for one visit that included lots of labs and a scan. UH denied all three claims due to the provider being out of network. I had downloaded the chat discussion as proof of what the UH rep told me and used it to appeal the three separate claims for the one provider, and the one date of service.

Near the end of 2023 UHC sent me an insurance card that had expired and refused to replace it. I had to go back to Humana to actually have insurance coverage. The card was for January 1 through December 2024. Not realizing that uhc had sent me an expired card, I tried to use it. Walgreens said it was expired (about 1 week after I had received it for the new year, January 1 through December 31, 2024). Of course, I called uhc immediately, twice, and I was told there was nothing wrong with the insurance card when it was a useless. I was refused another card. My doctor was never paid for my early January doctor visit by UHC also because the insurance card was no good.

Awful, awful very shady. They put A LOT of money in their pockets. Because they deny meds you need including heart meds. They are uninformative and talk in circles. It's no wonder their CEOs are hated.

They were all over the web on Social media advertising a $3200.00 card to help pay for groceries and rent, utilities and called the number on their ad and experienced a 2 hour long phone call with a representative who told me that wasn't true and only offered a card for only $200.00 per month. I found I could not use it and came up invalid card every time and cost me tons of out of pocket expense with them offering no reimbursement for the dead transactions. Now their company is calling my phone every 10 minutes all day and everyday and half the time it drops the calls when on hold and answering phone and no one there. I know they sold my phone number to third parties and these have turned into harassing phone calls and when I asked them why they keep calling me they hung up on me. So believe some fraud is occurring. Please do not sign up for United Healthcare. Beware!!!!

Poor customer service from United Health Care! Sitting on hold for 1 hour to discuss an appeal without being connected to anyone! They put me through to someplace that is not United Health Care then that group wanted to reconnect me to an advocate to start all over. Want to appeal a claim for a screening mammogram that is being denied. Both times I have appealed this I was told by managers that my claim should have been covered, since it was denied for frequency and I have not had a claim for 2 years. I have no words! I will be dumping UHC at my next renewal.

United Healthcare customer service is a complete joke. I called to ask how to get my HSA debit card and the first rep to answer said my account set up had not been completed, she said she would connect me to someone else who could help me complete set up. I was put on hold and waited for another 20 minutes and no one picked up the phone. So I hung up and called back. Similar experience. The first (and only rep) to answer apologized when I told her I had waited a half hour on the first call, and said she would put me on a brief hold but would not transfer me until I was connected to real person. I waited for 5 minutes before she came on and asked for my social security number to transfer to the right person. I gave it and waited another 20 minutes. So in total I called twice, waited over an hour, and no one resolved my issue. So I hung up.

United HealthCARE is TERRIBLE. Their website is Terrible!!! Customer Service is even worse. The website stops working all of a sudden when it had been working perfectly fine. UHC says you are using the wrong browser (elementary school kid answer) when you been using the same browser for years with no problems getting into your account. They refuse to send you to Tier 2 support where I've read on-line you will get help.

This Company is **.. They quit doing Business in our area because of Greed... I'm Elderly with one of their Medicare + Plans and I have to wait until December to change Plans to see a Doctor or I'll have to pay in Full, however until then I still have to pay them Sons of ** until then!!! BEWARE.

This customer service is beyond pathetic! They seem to be desperate for help because the customer service representatives are low leveled intelligent. The simplest request can usually not be handled in a timely fashion. Expect to be on the phone with them for an extended period of time. I’m sooo annoyed with this company that I consider finding another provider. I am a senior citizen and my patience to the level of service is null and void. Please know this before choosing this company. I assure you that you will NEED to call for your Q and A at some point. Brace yourself to keep from SCREAMING with shear frustration.

This company is absolutely horrific. I will be sending this company to the Department of Justice to be investigated. They easily deny claims from medical necessity necessities, and although I pay them nearly $200 a month, I still end up paying a higher amount than they do for any medical costs. I cannot wait to switch back to Blue Cross; it can’t come fast enough. I don’t know how this company can still be in the insurance industry. They do not care about American citizens or their medical necessities. Do not get them for your health insurance!!

Updated on 07/24/2025: NEVER OPT FOR UNITED HEALTHCARE INSURANCE. THEY SHOULD BE BANNED FROM THE INDUSTRY. FRAUDSTERS! CHEATS! SCAMMERS! Medicare Part D - they gave quote based on medications I take. Once I was in, they denied, denied, denied. Had nerve to ask my doctor - MD PhD physician at Mass. General - to change the prescription to something less expensive. Took staff hours and hours plus submitting tests and medical reviews until they agreed but only one month at a time. With new prescriptions. Ridiculous. UNH would rather have you die than pay for costly medically necessary treatments.

wrong with this company? 1 error message (30004 need additional information) and I am talking to 4 different people not kidding, freakING 4 spending an hour and a half I had to hang up. The customer service is HORRIBLE, INCOMPETENT. Not a company I would trust with my healthcare.

Claims rejected even with in-network referrals to an actual United Healthcare in-network physician. Agents never understand my very basic questions. Call centre agents' speech is extremely difficult to understand. Requests to have a specialist or supervisor call me back to resolve an issue have never been returned. A request for surgery authorization was rejected for no reason. Upon appeal, it was overturned in my favour.

They raise premiums. Make us pay high amounts then leave us in pending and deny you for surgery. The worst insurance company ever. If possible please don’t get them. They are high for no reason and the payout is low but make us pay all this money and they will deny you every time.

Can't get them to stop calling me. Every week I tell them to snail mail me but at least twice a week they call about wanting me to change to their pharmacy or have a house call. Coverage is good but they just don't listen and it's almost someone in India calling.

They provided decent coverage at a decent price, until we left them, due to obtaining new coverage through work, with a notified termination date of May 31st. My wife needed a visit to urgent care on May 31st. They lied and told the facility our coverage had been cancelled and was no longer in effect. They lied to me IN WRITING (Chat), saying our coverage was no longer in effect. (Yes, I have screenshots) We paid 180 ourselves (Should have been 50) to get my wife treatment, figuring this would be easy to resolve.

I have had a stellar experience with United Healthcare with coverage of open heart surgery and complications that followed. There was never an issue with coverage for ER visits or prior authorizations for in-patient or out-patient services. That is, until recently. As can sometimes happen with open-heart surgery for valve replacement, arrhythmias are common. They covered by cardioversion and ablation for atrial flutter, but are not denying my ablation for atrial fibrillation.

I have been trying for over a year to get proof of insurance for the year 2023. I have been with UHC much longer than that I have spent over 20 hours on the phone with them. They always say they can’t email me one only US mail. 10 days to get it and it’s always a complete package for 2024 or 2025, I don’t know what so hard about this. I have done a number of 3 way calls with my agent and still can’t get proof of coverage for 2023. They won’t let you talk to a supervisor and they won’t email me. I can’t believe a 3 minute job can’t be completed by any of their personnel

Have made several attempts to get my very sick elderly father a doctor. He moved and does not have one in his new area. Have spoken to several customer service people and have not been helped. The last person I spoke to Kyle was so condescending and rude. I told him I was going to leave a bad review for him, his response was to put me on hold for an hour and a half and never come back to the call. This is how people are treated. I also spoke to a representative named Sky that was supposed to call me back with the name of the doctor but blew me off as well. Zero respect for People's health and well-being!

Don't. Their app sucks. It doesn't ever remember me. I gotta reset my info every time I try and log on. Go elsewhere. These folks at UnitedHealthCare of lousy. Only want your money and cannot put out an app that works. Done.

I've had UHC for years, with ALL my Drs. being IN-NETWORK and never having an issue with anything until August 2024! That is when UHC decided to "farm-out" some group numbers (mine being one). Since then I've had NOTHING but problems getting my treatments "approved" by a so called doctor who knows nothing of my medical history! I have a chronic disability and these treatments keep me functional, without them I will end up crippled, unable to LIVE a life of any quality! I have called multiple, multiple times for help only get transferred from one person to another who apparently are only trained to say "I am so sorry, I will help in this, I understand, I am so sorry, hold on a moment while I check into this..."

As a former employee of AATC, the company obviously chose the cheapest health plan for its employees. United Healthcare was absolutely the worst insurance I've ever had. Truly scum of the earth, denied pain medication and when I had the flu, they denied my tests, coverage and medications to the point I ended coming to the conclusion I was better off paying out of pocket rather than dealing with the absolute lowest form of scum on the healthcare market! No wonder they are the lowest-rated.

Been with the plan for two days. What a Nightmare! The phone number for the Primary Care I selected is disconnected. The Address for the office is a completely different business. Ask to change to a new Primary Care as was told it would take at leased thirty days. Unless you are suicidal, stay away from these incompetent clowns. I reported the idiots to Medicare for what good that may do.

My husband and I continually have login issues on both the app and on the browser. Every single time, we have to go through the process of creating a new password, and then the new password is only good for one login. Sometimes it's good for two logins if you do it within the same hour. Another issue, my husband goes to a doctor for the same procedures on a regular basis. Sometimes they cover parts of the procedure and sometimes they don't. He called UHC to find out why and they said, they no longer covered that because Medicare no longer covered it. Afterward, when speaking to Medicare, he was told Medicare has nothing to do with what UHC does and doesn't cover.

Worse Health Care around. I needed back fusion surgery and they approved my surgery but not the dressing or bandages I was supposed to receive in the mail was denied. Also my SNF Skilled nursing facility was denied because I was not sent to SNF till after I was sent home. I found out I could not get along by myself at home. Yet United Health Care denied me the SNF Skilled nursing facility. Now I guess I will pray all goes well in my recovery at home. If I end up back in the hospital due to a fall or other issue.

Costumer service sucks! You can’t understand the person and they won’t transfer you to someone who speaks English! We have been fighting an outstanding bill which should have been paid months ago! Never had a deductible and now they are claiming there is one!

United Healthcare is the biggest scam. My family has had several health insurance companies over the years, and I can say, UHC is by far, the absolute worst. Shortly after getting this insurance, my husband had an emergency appendectomy. We later received a letter from UHC stating they reviewed his case and would not cover the surgery because it was not medically necessary. The letter also stated he just had a stomach ache and should've been sent home.

I used to love United Health Care, but recently it has been nothing short of miserable. When I had to get new glasses because of a cataract surgery, they were supposed to cover new glasses. I had to make at least four phone calls (and yes, be on hold for a lot of the time) and had to send in documents over and over and over. Finally got it paid but it was only due to a herculean effort.. Now they have changed the dental benefit to only cover cleanings (used to be up to $1000 -- 1/2 of anything else). I went in for a cleaning, and the disallowed part of the X-rays as they told me they were not all covered under my limited plan. How is my dentist supposed to do his job if he doesn't have X-rays?!!! I would look around for another provider if you want to get your claims paid.

I’m baffled by the reviews stating that customer service is good. It is the worst waste of time I’ve ever experienced with any business. The agents avoid the customer surveys at the end of your call by never hanging up and they will abandon you by asking you to hold but never returning to the call (I’ve waited as long as 45 minutes on a silent line). Whenever I have called and I’ve called them maybe 12 times, the person who answers the call knows nothing about insurance and typically they will attempt to route my call elsewhere. They are pleasant but know nothing. The people they have routed my calls to seem annoyed because they are not supposed to handle the issues I have had. They routed me to Medicare and Medicare literally requested that I log a complaint against them for not paying my claim and trying to blame it on Medicare. Even internally I reached a group where the person asked to speak to the supervisor of the agent and she said okay.

From March until June I was locked out of my app because I changed my phone number. I lost all of my food benefits for those months. They finally gave me access a couple of days ago, and their barcode scanner too to see what is covered doesn’t work. The shelf tag said OTC card approved. So I figured the items were covered. So I took the items to the checkout stand, turns out most of them weren’t. So I effectively still don’t have any because they don’t cover anything. I requested CMS to change my plan to Aetna for next month onwards, because I am tired of fighting with United Healthcare.

I listened to my mother try to speak with a customer service manager for over an hour. After speaking to five different representatives, she was still not transferred to a supervisor. Communication with the representatives was challenging due to the language barrier. Not being able to communicate about such sensitive information is very troubling. Needless to say, my mom's issue still is not resolved. I wish I could give zero stars.

Literally the worst customer service possible. Don't work with them, they are absolutely non professionals and don't care about customers at all. Their objective is to make sure you are tired of tryng to getting help.

This is by far the worst health insurance that I have had. I have the United Postal Workers Plan/consumer driven and they do not pay for anything until you meet the deductible. This is not worth the $2,000 I end up paying yearly, on top of the thousands of dollars in medical bills for what the insurance does not pay for. If you like paying for insurance and not have any coverage pick United Healthcare. They are definitely not providing a good service. Just taking everyone’s money. Don’t get fooled by that $1,200 HSA incentive they throw out there because that gets eaten up really quick when they don’t copay a single cent until you meet the deductible, trash. Just absolute garbage for healthcare.

United HealthCare should not be in business. THIS IS the worst healthcare insurance on the planet. They price gouge, then refuse to pay for anything or reimburse you for out of pocket costs when the provider shouldn’t even be in business. It’s truly an untrustworthy racket, that specializes in major scams.

If a therapist doesn't want to see a client anymore at least they could tell the truth about canceling my appt Tues June 24th instead of lying "I have a training that afternoon...& by the way....go see these people for help". It's so much easier to tell the truth don't you think Gary **?

Horrible! Dishonest! Fraudsters! They took the money and disappeared. Then I called and they said that my application was not approved for some unknown reason! Why take money in advance and then refuse! Stay away!

Great at taking your money, piss poor at paying out. I had them when I had ACA insurance and they paid almost nothing for doctor visits and that's with an IN NETWORK doctor. Nothing at all for a walk in clinic. For all of that wonderful service, they charged the government over $1100 per month! My 80 (soon to be 81) year old cousin, who needs to be in a nursing home, is being sent home when she can barely walk and can't keep her meds straight. She lives by herself so there's no one to monitor her meds consumption.

In order to utilize a hefty HSA fund provided by IBM over a career that spanned over 30 years my husband and I "must use United Healthcare's Advantage plan only" as a supplement to Medicare. While the plan over the past 1-1/2 years has paid "as indicated" on the policy their customer service is horrendous. IBM has a "dedicated" phone line with UHC for retirees. Most of the calls I've made to them are barely helpful as the majority of agents (if that's what you call them) I've spoken with do not fully understand the plan enough to be of much help.... and if they do understand they do not have the authority to assist.

This is worse health coverage EVER for my elderly mother who had a stroke grrr. We have called 14 home health agencies for a nurse, physical therapist, occupational therapist and home health aide to come out once week.. WE CANNOT COVERAGE. I Think the CEO wife needs provide some funds back to the patients instead of living in her billion dollar house.. No wonder the CEO went to HELL... I am so angry and saddened for my poor mother.

I just switched. Have very good service, card works perfect, no problem with prescriptions. I've called for help and they return my call that day or the next. All my doctors are in network. My change over was quick and easy

UnitedHealthcare is the worst for coverage. I need to have a spinal surgery yet they keep refusing to approve the prior authorization. My Surgeon says I need this surgery yet UnitedHealthcare doesn’t feel like it should have to pay. I am sick of this plan and once I can switch I will. Absolutely disgusting company.

United Healthcare is quite possibly the worst decision I've ever made. When I turned 65 I chose UHC AARP Advantage Plan, what a bad choice. I can't wait until this October when I can kick them to the curb. It's like not having health insurance. My deductible for prescription meds is $500 a year, more than my meds cost, so they never cover my meds. My co-pay is $35 per visit, and when I need some sort of test or procedure they always deny it. My company is in the mental health and substance abuse industry and UHC is one of the worst paying insurance companies. It has gotten so bad that we no longer accept UHC patients. If you are looking for healthcare coverage look elsewhere.

United Healthcare is a horrible health insurance to be forced to have. I hope the company I work for does not renew this company. They deny and refuse to cover medications. I had Banner Health with no issues. I think United Healthcare is not about patient care.

Absolute trash. Profits over people. They won't share any information or help in only the smallest ways. There is a reason this company has been called before congress time and time again. The lack of compassion or will do do the right things.

Horrible company. They continually deny coverage of prescriptions and treatments recommended by multiple doctors. If I could give zero stars I would. The website is confusing and the app is worse. Use anyone but them.

I've been trying to get a health qualification letter from them for over 2 months. I need it for the insurance company the covering my insurance for my vehicles. They keep on telling, they will email it in the next 24 to 48 hours. I called several times, they keep on saying it was emailed. I never got anything I said, maybe it's my email then I gave them my wife's, then my office email and still nothing. They keep on saying that they did, but never received anything. I ended up paying an additional $6000 for car coverage on my cars in the last 2 months. Never use them. They are a worthless health insurance company.

What can I say about UnitedHealthcare? I have never experienced such a horrible company. I can't get my prescriptions, they can't communicate with my doctor, I've been fighting to get a prescription I've been on for 20 years and after almost a month I still can't sort it out with them. Your payments at a doctor's appointment do not go towards your deductible?! I hate them so much, they're so bad it feels like it's a complete scam. I would never, ever recommend this to anybody. You might as well have no health insurance.

I’m completely fed up with trying to login to my MyUHC account—my experience has been nothing short of infuriating. I followed every prompt during my first-time login, but nothing worked. No matter what I entered, I couldn’t get past the login screen. So I was routed to connect with a live agent… only to end up with absolutely nothing resolved.

Careful with using this insurance company. No telling what they doing with your info when one their staff workers Jane ** can stab friends in the back for no reason at all and she has all that information. Thanks but no thanks.

Would give zero stars. Denied testing to figure out what is going on. Very frustrating when you have had an on going medical condition for several months and you are looking for answers so it can be treated.

Waste of money. They don’t cover, they don’t care, they love your money. I’m done. They act like they care, then act confused when you call and ask about their crap coverage. United in ripping you off.

How can this company continue to ripoff their customers? Horrible company. UHC has record profits at the cost of old folks. Shame on this pathetic company and the people that run it. I hope that the people that manage one day will have to use uhc. Hahaha.

Due to UnitedHealthCare denying my wife's approval to go to a skilled nursing center even with the dr's recommendation and the case managers recommendation. She was not able to get strong enough to start chemo treatments. And passed away this past week. The case manager told me that I'd be surprised how many times that others have denied too if they have united health care Advantage plan. So think twice before you take this plan out.

If I could give United Healthcare zero stars, I would. My experience with UHC has been nothing short of frustrating, and unfortunately, it's part of a pattern I’ve noticed across multiple interactions with them. When my employer switched to UHC, I was assured that my existing primary care provider (PCP) was in-network. That turned out to be false. UHC then randomly assigned me a PCP—someone I had never heard of—and when I called to schedule an appointment, I was told the earliest available date was 11 months away. That’s unacceptable for anyone, let alone someone managing an ongoing medical condition.

I’m here to tell you exactly how much I despise United Healthcare. This is not just some half-hearted complaint – this is a rage-filled, disgusted outcry from someone who’s sick of being kicked around by a so-called “health insurance” company that’s nothing more than a greedy, bloodsucking monster. United Healthcare is the absolute worst. They don’t cover a damn thing – NOTHING. Their “Healthy Choice” plan is a total farce – they preach about healthy choices but apparently eating ice cream once in a while makes me some kind of unworthy peasant. They’re basically telling me, “You’re poor, so suffer, and don’t you dare dream of anything outside our pathetic coverage.” It’s infuriating how they take away every small comfort and then have the gall to pat themselves on the back for it.

United Healthcare has blocked access to my FSA. I only use it for bills from the doctor. This is done intentionally and it is an effort to steal my money. This corporation has no moral compass. We need to all encourage our employers to stop doing business with them.

What a disappointment. Shame on you, United Healthcare. This company routinely denies legitimate claims as a delay tactic, hoping people will give up after navigating hours of phone calls with undertrained representatives. I personally spent over five hours across two days—often in three-way calls with my dental office—trying to resolve an issue that should’ve been straightforward. It’s an unacceptable waste of time for both me and the providers trying to help. Truly shameful behavior from a company trusted with people’s health and care.

The UnitedHealthcare Rewards program is a total scam. In very fine print they hide the fact that the rewards points go away. No email or text alerts. Just lose $120 that you have earned. The customer service is no help and offers no options.

I have United Healthcare for my dental and vision coverage through my employer. The dental coverage is horrible. They denied a claim for repair of a cracked incisor that was unsuccessful for a filling and required a crown. The denial was because it did not cover usual wear of a tooth. The top 1/3 of the tooth was missing. This is not normal wear and as far as I am concerned this is fraudulent behavior and UHC needs to be investigated.

Poor customer service, the bill is vague and overpriced. I have been a customer for over 2 years with much better support back then, no one seems to know anything about the extra fees on my bill, they just repeat what I can see for myself.

I cannot use UHC OTC credits for my utilities. They say not available in my zip code. Cannot use UHC OTC credits for healthy foods. Rejected at grocery. Said I need to fill out a form but they said they cannot email the form and it isn’t on the website. Can’t mail it either. UnitedHealthcare OTC benefits is a scam. Most of the OTC products online on their app to order is not covered by United Healthcare OTC and they want you to pay out of your own pocket. The products are over priced as well. You can’t check out online unless you pay for the products not covered and they don’t specify which products. Why are these products listed on their online shopping app if not covered?

If there were an option for ZERO stars - that's what they deserve. I don't know what is worse - a not so great diagnosis or the simple fact that I have UHC as my insurance carrier. Either way navigating treatment, all the hurdles UHC requires just for care and authorization (we haven't even gotten to them denying claims) and knowing that nearly all providers are canceling contracts they have with UHC limits any care that I can receive- it's absoutely downright frustrating. Let's also talk about trying to call member services - who they employ only overseas call centers so you will never speak to anyone that you can understand - even if you press 1 for English. These UHC 'reps' don't understand the plan, cant explain coverage and just refer you to the useless and always broken UHC portal. I absolutely HATE UHC and hope they go bankrupt and go away.

I needed customer service. I'll admit I was worried because I almost always experience poor customer service for the simplest requests. This time was different, very different; the initial CSR quickly and accurately defined the problem, communicated the solution, and sent me to the CSR who could help. The technical support specialist verified that she understood my problem, professionally conveyed to me that she had a solution, and coached me on what to do. She was so familiar with the procedure that I felt hope replace the worry. My issue was quickly and completely resolved, as she asked probing questions to make sure the service I was seeking was actually functioning as expected. I was on the call for about 7 minutes and when I hung-up, I was able to use the service. Good job!

I went to a CVS clinic in 2024. I was really sick. They tested me for covid, flu, and strep. I had to fill out a form to let UnitedHealthcare know why I went to the doctor. They refused to pay the bill 528.10.

I have been a member of United HealthCare Medicare Supplement Plans F & G and also Medicare Part D for 12 years. Never missed a payment, never a claims issue. Up until this week I would have rated them a 5+. On December 30th, 2024, I cancelled my Medicare Part D when premium payments approached $100. I had other less expensive options. My cancellation call was logged and my required cancellation form sent on Jan 4, 2025. This was then sat on for final cancellation until Feb 14, 2025, by their audit or cancellation dept - whoever handles the paperwork.

My children were on Surest through my wife's employer, and while most of our experience was fine, I will avoid them at all costs in the future. I will never accept a job that offers Surest as a health plan, and will recommend the same for others that I know. They assigned a ridiculously large range, with a high upper limit, to a cost range (their "copay" essentially) for a basic outpatient service that most other plans would cover at 80%. As a physician, I tried to do the right thing, and help them understand why their cost range made no sense (it was essentially the same range they use for outpatient surgery, which this service was not). They said I had to file a claim, and when I finally got around to it, they said it was past their 6 month cutoff for evaluating benefit determinations. Good riddance.

As a policy, UHC denies skilled rehab care. Following cancer treatment, she could not use one leg and had lost control of bowel and bladder control. Skilled care and rehab was essential but denied, appealed with short approval and denial again and again, no customer service or reasonable consideration. We were left to pay ourselves. Several other elderly patients with UHC at the same facility were also denied. Others did not appeal, just went home, although they needed to stay. See the publication by UHC at: **

I signed up for the most expensive prescription drug plan. This filthy crooked company paid zero for any prescription while charging me a fortune every month. I have never dealt with such an in my face crooked company before and thank god medicare has agreed to switch me out of the crooks' grasp. They must be shut down. What holds them up is their support from the elderly sucker company AARP communists that gets a kick back from their corruption. May both organizations rot in hell for cheating the elderly. They are filth both of them promising communist utopia as long as you pay them off so they can live in castles and you in the dirt!!!!

Very Bad company! 7 months ago my daughter received anesthesia, I paid 2.2ks and in my contract this company would have to cover this procedure, but there were hundreds of calls, I believe they are trained for this not to pay what should be paid by law, I guarantee that many of my friends and family will never have a health plan from this company, I also tell you to look for another insurance company. Company with no commitment to its policyholders.

I would just like to say that some of the customer service people that have spoken to are rude, pushy and rushing everything and I have to tell them that if they don't want to talk to me help me with anything give me someone else. Most of them are nice but some of y'all customer service representative a downright nasty and mean and I just got this insurance and I don't want to have no problem with anyone so I had to actually talk to a supervisor because some mama just downright nasty you know about half and half. Thank you. Have a good day.

STOP. 🛑 Turn around and go back! I'm saving you tons of stress and heartache. United Healthcare is the worst insurance company. Always getting things denied, I was so exhausted from calling speaking with representative that was getting me nowhere. The stress is not worth it for care that's not provided.

Cancelled my policy in November of 2024, continued to receive bills. Contacted customer service multiple times, faxed cancellation and "confirmed" policy was cancelled. United Healthcare turned the account over to collections. Difficult in dealing with off-shore call center. Feels like a scam in how they continue to send bills in spite of cancellation.

I talked to a woman for almost an hour. She was pleasantly sincere and very warm. I felt oddly comfortable sharing personal information about my mental health issues with her, like I've known her all my life. Her professional manner on the phone was very comforting and very helpful. I really appreciated your help BROOKE ** and I believe that UNITED HEALTHCARE SELECT TEAM should take a lot of notes and pointers from you because you are the best of the best!!!! I WISH EVERYONE WAS LIKE YOU. THANK YOU BROOKE😘😘😘

I’m so pissed off at insurance companies! They only take care of themselves. I have been given three different prescriptions and I refused all of them; all of which I need, because coverage cost extremely high. Even with some kind of assistance, the cost is still way too much. I’m on a fixed income and by the time I pay bills, I only have enough to make it through the month. So tired of companies that say they care, bull!?!!

I signed up for UnitedHealthCare in April 2025, expecting a stable premium. Just two months later, I was hit with an 11% increase, with no explanation beyond a vague note citing an “annual rate adjustment.” This abrupt change feels like a money grab, forcing customers to absorb unexpected costs. A company that treats its members this way lacks integrity. I’ll be switching to a provider that values transparency and fairness next year.

They will raise your rates at any time during the year. We got a notice May 15 that our premium would go up by 60 dollars June 5. The only use for the supplemental we have had is our annuals. So we are out 120 dollars a month extra. I cannot wait till open enrollment so I can switch policies. When I call to ask why the customer service man hung up on me.

This company is notorious for purposefully being obtuse. 3 years in a row they told me I had a plan and no coverage. We live in a health care hell scape. Down with UHC. They fraudulently deny claims and make it impossible to resolve.

DANGER TO SENIORS. In the last three years, United Health Care FAILED TO RECORD three of my monthly payments, which were send the same day I received the new payment coupon. UNITED cashed my checks, which were sent way before the due date, but they FAILED TO RECORD THOSE PAYMENTS FOR AS MUCH AS 26 DAYS, AFTER they actually received them. Then United sent threatening letters to CANCEL my health insurance, because they recorded them as LATE PAYMENTS.

They called me for assigning a Diabetes case worker. I asked them to mail the information, they said they can't mail the information. I asked them what they will help with. The case worker will call every month to see if I am getting in touch with my health provider. Seems like adding an additional layer to healthcare.

I would never recommend this insurance company. I only have it because it is what is a availably thru my employer. I was diagnosed with breast in January. I have had multi procedures since then. I started receiving bills for these that kept saying United Health said I did not have them for insurance. I contacted them, they said we show you in our system. But they could see that everything was denied. They said it was a glitch in the system. This was in Feb. I have made numerous phone calls to them. I have been told a supervisor would be calling me back. I still have not heard from that person.

I got a notice after CEO was murdered that coverage will increase. It has decreased! They will not cover my son’s impacted wisdom teeth which is $2000 out of pocket. Then I got charged $2000 out of pocket for my son to go to ER for black eye!

The irritating thing I currently have going on with United Healthcare is that they put profit over people. They won’t negotiate with pediatric office and we have to find new doctors after 14 years for our son.

Is there an option to leave zero stars? Worst customer service ever. The representative “Shaia” or similar had the audacity to send me back to the main menu because I complained and questioned her when she insinuated that I picked the wrong option given that I picked the Health Care Spending Card which was the one I was having issues with. I then proceed to call the number on the letter and the guy tells me that this is a universal phone number and they can’t help me either. Can someone explain me why UHC thinks it is okay to put a customer service number on a letter they send you and then they can’t help you? No one knows anything in there. This company is a disaster.

UHC is awful. I pay almost $1000 month for me and my wife. They don't cover meds we have been taking for years with no explanations, co pays are ridiculous, and their communication leaves the impression they don't care and are just a money making business. Will never say anything positive about UHC unless they actually start acting like they care but not holding my breath.

I am diabetic. I met my deductible and was eligible for a new insulin pump in 2024. United denied the coverage because I had not been to my endocrinologist in 5 months. Apparently you have to go every 3 months. However, I was on Hurricane response assignment in Tampa at the time. My endo ordered, and I did blood labs in Dec, 2024. I had also seen my primary for the yearly health check in December 2024. United told me my Endo had "Withdrawn" the request. He was offended that United had made that statement. He gave me a copy of the Statement of Medical Necessity with his signature from December 19, 2024, and he also gave me the blood work results from December 12, 2024. I was informed today that I should have paid for device myself in 2024 and filed a request for reimbursement. The old pump is out of warranty, and they are not following their health benefit responsibility.

I submitted a dental claim right away after seeing the dentist. UHC issued a check for what they owed me but mailed it to the wrong address, or so they say. I've called 5 times to try to get a reissue on the check to the correct address. A busy call center is all I get, and there is a lot of waiting while they keep putting me on hold. Every time I've called on this same problem on my not being paid, I'm lied to over and over where they tell me they will send the reissued check. Nothing is ever sent! I can't wait till I can drop these thieves like a hot potato the end of this year. This company does not know the difference between right and wrong!

UHC has high prices and has paid less and less according to their plans. Not only do they now charge copays for doctors but also for lab tests, outpatient diagnostic tests and other medical issues that they used to pay 100%. I am changing to a different plan when I can do so. Usually that is from Oct - Dec.

I needed to call for help on providers and coverage. I spoke with ARLENE, SHE WAS AMAZING!! I have trouble with tech on phone and she walked me through as slow as I needed including repeating for me. Not only was she professional and knowledgeable but so so patient and understand, helping me the way she did...She is incredible asset the UNITED HEALTHCARE STUDENT RESOURCES.!!!

Watch out, this is one of the biggest scams going. They call you trying to sell you health insurance. This is not health insurance. They will lie over and over about it being full coverage health insurance and then only to find out later it’s not and then they make you buy final expense life insurance saying it’s mandatory. The cancellation process is so difficult. They break the plan up into like 5 different policies which you need to call and cancel each one individually. It’s crazy scams like this are allowed!!!

I have been with United Healthcare PPO for 3 years. This year, I discovered I had a sinus infection that needed to be surgically cleared out. They have denied me 3 times. I have pain, nausea, vomiting and headaches. I also discovered that I have uterine cancer. They have denied the scan I need to get a hysterectomy. I don't know what I am going to do. I need this surgery. I call them and they tell me to have the doctor call. The Dr.'s office calls and they give the office different information every time.

Be careful of coverage changes out of under you. My providers were still "covered", such as my knee surgeon. However, he is not covered for knee surgery! He can do analysis, tests, injections, etc, but when it comes to knee surgery, only a very small set of orthopedic surgeons are covered (and they are not knee surgeon even)! And yes, my plan says it is a PPO, but that's quite a ways off from being able to choose your own doctor.

Absolutely the worst secondary Insurance company in America. The most incompetent, inept idiotic people I have ever dealt with. For God's sake don't join their prescription payment plan. They will double and triple charge you. Their prescription payment plan is a rip off. At least Jesse James had the decency to face you face to face and rob you with a gun. Run don't walk from these people. Next enrollment period I'm dropping these idiots like a hot potato.

United lives up to their terrible reputation. Their agents lead you in circles and the reasoning they provide for claims being approved or not approved is not consistent. There is very little to no customer service and it feels as if the agents aren't even hearing what you're saying. Instead, they just delay providing answers. Awful, awful.

I just received a message stating that I had a bill from June 1, 2023. The health care system told me that the provider had been going back and forth with this insurance provider sending documents for review consistently, just for them to come back and say that they will not cover the bill. This is a horrible company. Will take your monthly payment but will not cover a dime. I would not recommend this company for pet care let alone human care.

Health Insurance Review: Frustration, Misinformation, and Endless Hassle. Health insurance should offer security and support, but my experience has been the exact opposite—constant stress, misinformation, and battles just to get the care I already pay for. Over the past two years, I’ve faced five major issues with my insurance, and each one has caused unnecessary frustration and anxiety.

I have been dealing with UnitedHealthcare for three days to get my mother transferred to a Nursing rehab center. It has been a nightmare. Left on hold hour forty minutes, Promised call back never got it. Call center in Philippines. They put you on holds so you don't leave a review at end of call. She was given authorization to move three days ago by United but has to be given additional authorization by WellMed whoever they are. Stone walling you in life and death issues. Understand why people go postal.

I have been going without medications I need. I am a diabetic. I moved to New Mexico and I'm waiting for the cancelation of Florida coverage for over 2 months now. I can't get insurance here until I get that letter! Why?? 2 MONTHS!!!

I will NOT recommend United Healthcare (UMR) to anyone. Insurance is not cheap and majority of them are HMO, which many doctors don't even accept these days per my experience. Calls to customer service do not connect right away, just for the call to connect I have to dial 5-6 times (hangs up before ringing). Reps are NOT helpful, their billing system has all kinds of issues. For my physical they denied a blood test which was required by law and now I have been trying to resolve that issue for a month now. Reps say they will work on it, create a ticket, but it's all a sham - no one actually follows-up and resolves anything. A rep today put me on 1 hour hold with no communication in between! STAY AWAY!!

I have had UHC for 3+ years. This year I was going to change because the drug deductible. However, decided to wait because I had a procedure in December. Coverage is supposed to carry over if you don't select a change. Well, hidden was the fact that they no longer have ANY comprehensive dental unless you select premium (this was not disclosed). They are invasive. They call relentlessly wanting to do "house calls", they call to fill prescription when I told them not to. What they take as good service is pushy and a waste of time. I am changing the first chance I get!!

I am a current member of UnitedHealthcare, I was looking for some specialists. However, the most of specialists' information are pretty old. It seems they never check and updated them. How can I reliable with this company? They should provide correct information to the customers. I spent more than an hour to search for specialists but nothing I found. I feel very furious.

This has truly been a not so good experience with UHC. My problem is scheduling transportation to Non medical appts which are as important to my care like my medical appts. UHC has attach a transportation provider with the most disrespectful energy ever seen, by way of no show drivers. Imagine having a caregiver getting ready, me ready escorting to grocery shop or a movie and my ride never shows up because the vendor classified it as Not a Priority. I’ve had this talk with UHC over and over and asked for new transportation company and they assured me it would be done and after 4 mos no change. Still no call no show rides.

This insurance company from the time that I reached out to their sales team has done nothing but totally lie from beginning to end. Recently I went to their customer service, chat line and was rudely disconnected. After filing a formal complaint I no longer can get onto the chat line and there is no customer service listed on their website. I would tell everybody to be very careful when choosing this company as you’re not gonna get what you’re told and the customer service is the worst I’ve ever experienced.

The price of my drug plan keeps going up. Be aware they will raise your rates mid-year as they did mine. They refused to pay for ** and approved brands that require me to pay more out of pocket even though they were the same drug, just different names.

Since 2025 I have had nothing but trouble with the insurance company approving anything. My son is special needs and sees multiple therapies to keep him at age appropriate milestones. This year I’ve had to fight denial after denial. Provide letters of medical necessity. Spend countless hours on the phone appealing and fighting for the services my son deserves.

UnitedHealthcare, your online chat for providers is an absolute joke!! I have gone through at least 4 customer service people and one so called manager named Andrea who did not know the answers to anything and eventually just disconnected me both online and Andrea when she called me! Over an jour and a half and now the last person has put me on a permanent hold even though I asked for a manager! A complete joke!!!

This year denying coverage on something for every doctor visit. For example biopsy of possible melanoma in office they paid 118 dollars. I have to cough up $210. Talking to their agent who I could barely understand she said it was all specified in Changes for 2025. I certainly couldn’t find it. Never had this problem until this year. Simple really. The less they pay the bigger the profits.

In Texas Medicare advantage plans at WelMed clinic is better than nothing. They love to upcode you to a very sick level of health, and reffed me to specialists for any reason. Some are legit many are bottom of the barrel nightmares. Then in this year 2025 it all got worse, the primary care visit got weird. It was a 2 hour long marathon interrogation asking me was I going to kill myself about 10 times in some cognitive testing nightmare., They put me on beta blockers and thiazides and statins. Even though my blood sugar was elevated. No matter how hard I protested all I got was, "Take your meds." In 12 days I was a full blown diabetic. I stopped the meds and went on a 2 mile walk everyday ate only 2 meals a day of high fiber and meat only and corrected my blood sugar myself in 3 months. Without their help.

UHC - one star only because zeros and negatives aren't available. They don't cover ANYTHING anymore, they won't cover basic vitamins and supplements; their catalog is cheap generic crap, my last two legitimate and necessary doctor's prescriptions also not covered. The company has been taken over by business types who don't know OR CARE anything at all about health or vitamins or nutrition. AVOID these people at all costs.

I got this plan back on 11/2024. I couldn’t imagine that this “medical insurance“ was going to be so stressful, aggravating my health and Zero information through customer services!!! Literally UHC DOESN’T tells the right information, the made up “policies“ misleading. 2) When customer service doesn’t want to answer questions or concerns they HANG UP. Period Their App also is a hot mess… I was looking for PCP… took me to a doctor that is specialized in veins, super inaccurate for the PCP I was looking for…I requested 3/4 times the book with benefits explanations since 1/2025 and never sent it. Now I tried again and they said that after 3/29/2025 they are NOT allowed to send it, really.??? Why they don’t say straight out the TRUE…

I need ** and it's the only thing that helps my depression. Last year, I paid 100 a month for it. This year UHC wants to charge a 300 dollar deductible up front before I get it, then 100 a month, 8m on disability and can't afford that.

Was supposed to have $0.00 co-pay period. Ended with bills over $500.00. Called and was told it was part of my $0.00 plan. Moving all appointments to move so I can get a new ins carrier. I am on fixed income and got bills totaling more than the $500.00. They are so sweet when they tell you oh well.

This insurance is the worst, you're better off just saving yourself money. They don't cover anything, total garbage...just say no!!! I would NEVER RECOMMEND this insurance to my worst enemy! Stop. Don't do it!!

Scummy for scummy’s sake. They denied an emergency claim due to “no pre-authorization.” And then made it as hard as possible for me to appeal. How anyone can work here and sleep at night is really, really depressing

United Healthcare decreased OTC Benefits by $35 per Quarter. Also they increased Premiums and increased Out of pocket. They also decreased our Health Club Benefit! They lack the basics for better by a reputable Health insurance company.

Horrible. I can't even get contacts because they can't even get a hold of my Dr to "validate" my prescription when I literally have my prescription in hand. It's been too long without any progress. I do not recommend.

I was told today that United Health Care has both onshore and offshore customer support and that the information between these two entities is not shared. Example - I talked to someone who had an accent on a Tuesday and was obviously offshore. I then talked to someone named Chris ** who expressed information in true English. Then on Thursday I talked with another person with an accent and mentioned that I talked to Chris. This person then told me there was no record of the conversation I had with Chris. I was then told that offshore info and onshore info is not shared. WTH???

Have had for about a month, denied a procedure to treat multiple cardiac arrhythmias, first they denied, then did a partial approval and a peer to peer idiot said the source was likely my normal thyroid not the scarring from two, not one, open heart repairs for valvular disease. Unfortunately, I am beginning to believe they really do hope high cost members die. Hopefully, no one has to use their call centers in India, the accents are thick and so is their employee’s cognitive abilities. Going to Medicare years before I planned because I can’t literally live with this crap.

On April 1st I went to CVS to spend the money I had accrued through my AARP United Health. The transaction had to be cancelled because I was doing it through a self serve register and it needed to be done by a live cashier. The cashier rescanned what I purchased and it did not go thru. I went to my app and saw the money was gone. Waited until the next day to see if the $ popped up again. When it didn’t, I wound up speaking to 7 reps in various departments. No one had written any notes so I had to repeat what had happened to all 7 people. Spent 3 hours on the phone.

I've only been with them a month and I already have multiple problems that are not solvable. United Healthcare lied to me when I signed up. United healthcare has done nothing to fix my problems. Getting a hold of a live body, that is knowledgeable and can understand me and follow the conversation, is impossible. After explaining to three people my problem and three people arguing with me, it occurred to me that they were not understanding my English. I was speaking of a physician appointment and they in turn spoke of a covered medication.

I'm So glad that I switched over to United healthcare plan. Absolutely love them. So much more to offer and definitely love my team leader Jeremy, he's totally awesome. He, gets the job done!!!! Always there for me anytime I need him. Thank you all for the coverage. Appreciate Y'ALL.

I got a new job that used UnitedHealthCare, however, I had united health care in the past. When I tried to login online, (my phone number had changed), it wouldn't let me log in. The web site even asked me for my new number and said it would update it. It still broke on both the web page and the app. Both asked me to call technical support, but the number I called couldn't help me and transferred me to another technical support, then she said she couldn't help - she had to transfer me to another technical support. I literally can't get online, I can't find a doctor, and they won't help me. This company is not bad, it is evil! They won't let me register with a new email address.

Horrible service from Juliet, she must love her job if she's willing to run me through the same loop 3 times and not help a single bit with what I actually needed. Cannot even log into my account to see my plan and I am not some 70 year old on life support. I know how to work my login, it just simply does not work.

I was charged $618 for going to see an ENT at a Hospital location where she sees patients simply for the fact that it is a hospital. Again, it's where this doctor treats patients. Nothing in the consent forms revealed that such an extraordinary charge would be assessed. People are struggling paying for $6 eggs and United Health Care is out here charging $618 for the mere fact that patients go to the location where they are referred. This is outrageous!

Denied a spine surgery that 5 different doctors said I needed. It's all about money with them. I don't understand how this is legal. I'm in severe pain yet they're allowed to prolong my suffering when a doctor has determined I need a specific surgery.

I am skeptical about coverage that is claimed by health insurance companies. But I was actually surprised when I purchased prescription eyeglasses today. UHC tells you that they will cover 100% of the costs of an eye exam and up to $200 for prescription glasses. What they don't tell you is that they do not cover costs for scratch-resistant and polarized coatings, which I need for my new sunglasses. Which makes the "free" glasses cost over $70, even at Walmart. I guess they think those are unnecessary frills that consumers really don't need.

I pay so much money every single paycheck to still not be able to afford procedures I desperately need. UHC is profiting from people who are sick and those people cannot even get help because the cost is astronomical. Worst and most unethical company I have had to deal with in a long time. I will not even get into “Surest” option they offer (which I was able to thankfully get rid of by filing an appeal). Would not recommend UHC to my worst enemy.

Horrible coverage, we constantly are getting more bills for doctors visits... Even for annual checkup we are getting crazy bills... This is the worse healthcare I seen.. We try to get some explanation from them- they cannot explain.. The end of the day this is by far the worst coverage for a family- do yourself a favor and shop different healthcare providers....

I think United Healthcare is getting worse all the time. I have been with United healthcare for a while because I like my doctors, the dental plan is good, and the gym plan is great. They have done just about everything wrong that they could possibly do. Starting with charging me for a dental plan I never wanted and they wouldn’t stop charging me. When you call to make a claim, they act like they care and they are going to do something. They are horrible! when you call back, there is no claim, it disappears!

Huge hopes. Very small delivery for JIM ** United health agent. Do not use. Do not use JIM **. THIS IS NOT A GOOD SERVICE. Huge hopes very small delivery for JIM ** United health agent. Do not use. Do not use JIM **. THIS IS NOT A GOOD SERVICE.

Karen ** of UnitedHealth is a truly remarkable person to have on your staff. I had a medical procedure done with Florida Blue and, unfortunately, needed a coordination of benefits showing the termination of UnitedHealthcare benefits. Karen provided reference numbers, two forms of contact, and ensured I received the email explaining the termination and dates to compensate my current healthcare provider. Give her a raise!

Been thru all testing. One meds. Heart issues. Need a heart cath and united Healthcare denied the test. They just literally want me to have another heart attack and die. I pay very good money for my insurance. They are horrible!!!

They have a 1.2 rating for a reason.... Will not bore you with my story... These people giving four/five stars are in for a big surprise down the road.... Wait until they have to deal with a repressive when they call in... Good luck!!!!!

I used to think UHC was amazing, but since 2024 that's not true. Being told that I'd get reimbursed & then they don't reimburse AND not being given a reason. Suddenly not paying for doctors. Being told to get a pre-authorization and they'd pay for it, BUT they won't. I, literally, do what I have been told to do BUT they don't follow through on their end. Suddenly don't cover my optometrist, who I've seen for years, but they won't even send me a list of eye doctors they will approve. SOOO much stuff... Copy of claims & other papers that they legally have to send to me, but aren't. Yes, I'm even dealing with the corporate office for some of this...and yes, I'm still being lied to.

The UHC web site is always broken, nothing works as it should. Try to reorder prescriptions... Every time something wrong and get stuck on the phone for hours. EVERY TIME. Online CHAT is a joke - please hold I'm told - they go away. This is one company that is confused, mixed up, unhelpful, and broken.

What a Billing Nightmare. I had a simple outpatient procedure.... Then the bills started coming in. The surgery center wanted 3500 dollars at the door because of the Bad insurance plan. I overpaid them 400 dollars once my claim went in. Now I have to Fight to get my 400-dollar refund. The United Plan is horrible. After 3500 dollars They only pay 70 Percent!!!! What a SCAM.

We’ve had UHC for about 8 years. The first several years were great and I’m not sure what happened but I am convinced they are the worst insurance company out there! To get any kind of care accomplished is like pulling teeth!!!! They deny everything and then you fight just to get necessary care. Don’t waste your precious time or your hard earned money with this company, they aren’t worth it!!!!

They do cover what they say, and I have no issues there with them. But the constant phone calls, even after asking, and then telling them to leave me alone. It is phone harassment from this company. They will call you multiple times a week, about any little thing they can, and refuse to stop. When you block one number they call on another, just like scammers. I am about to leave this company because of the Phone Harassment.

What a nightmare just to get the insulin that keeps me alive. My plan started on 1/1/25, and it has been a headache from the beginning. Optum is just awful, so now I'm using Publix. I have several medical conditions and among other things, I use two types of insulin. I called them last week to ensure that both types were covered and to confirm the $35 cap for both since I have a Medicare Plan. That call took 20-30 minutes. The "advocate" did not know anything about the Medicare cap on insulin, she had to get help, but came back and assured me that both insulins I use were covered at $35. Today I found out from my Publix pharmacy the they only covered my expensive long acting insulin, Toujeo, but not the fast acting insulin which I so desperately need. I check the UHC website stated that there was no alternative to Novolog - seriously?