UnitedHealthCare Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Not only do Grey allow AI to conduct blanket denials of procedures that regular Medicare would approve, using their app to pay utility bills is useless since they don't not give confirmation numbers resulting in lost payments and late fees for which they accept no responsibility! Leaving them at next open enrollment!!!

Absolute garbage company, the denials are automated, continuous, and without any concern for actual health. I would cry tears of joy if they went out of business and every single complicit employee went homeless as a result. If you work there, consider quitting your job and doing something worthwhile with your life. They've already let the robots take over your decision-making ability; you're basically just a warm punching bag on a phone now. Everything about UHC is a crap pile racing down the sewer.

They approve appeals and send you approval letters only to then change it on a “dosage limit” even tho you have been getting the same dosage since day 1. So now they are placing a limit, stating they have a letter saying that but can’t provide said letter, even while I am holding the approval letter that has no dosage limit.

On multiple occasions now we have found that by having UHC that our cost of service increases substantially. The insurance companies contracts was above the self pay rate. The providers then bill above that. The insurance companies then acts as if they brought the rate down when the rate is actually much higher than the self pay rate. It's a fraud scheme. I.e my urgicare charges 99.00 self pay but billed my insurance 260.00. Insurance said they only allowed 200 and claimed thereby to save me 60.00. I was then forced to pay 200 which was double what the charge was if I didn't have uhc. So I pay premiums to have them raise my cost of service? No more! This is such a large medical scam and increase to costs that legislators need to fight. Insurance companies are not negotiating rates lower. They are getting kick backs for making them higher it seems.

I think it's totally wild that you guys can have a one star review... And still hire a lawyer to go after people who are rightfully upset. The level of deception and poor customer care and the fact that you guys don't want people to complain about you denying pretty much everything. Just wild.

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.