UnitedHealthCare Reviews

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?

UHC can't even take my monthly payment! What company can't handle collecting money? My account states that I'm set up for auto pay and the payment will be made on the 1st of each month. EVERY month I get a past due notice and when I call in they have NO idea why my payments aren't being made. The last 2 months I've requested a supervisor and begged them to figure it out. Still no luck. I waste an average of 60-90 minutes on the phone every month. This is crazy! I don't even want to think about how they're going to process claims!

My husband and I have United Health Care through his employer and it is the absolute worst insurance we have ever had! We pay $500 plus a month for it and it doesn’t pay for anything when we go to Urgent Care we have to pay the Full amount out of our pocket. We are going to cancel it and go to a good insurance company that pays 80%.

Expensive copays, high limit deductibles to meet before insurance kicks in and covers anything plus it doesn’t matter that you have two plans under the same insurance roof, it still doesn’t save you from paying high out of pocket expenses and copays for medications nor doctor visits, the insurance changed January 2025 and stopped paying for medications once approved under both plans. I must say that I am unhappy with the coverage but I do hope it is worth the price in the care that I receive.

I switched from Wellcare to United Healthcare in January 2025, because the physicians participating in the plan were changing. I have an AARP Advantage plan. I absolutely hate it since changing!! There's no comparison between the two. Wellcare made things so easy. They also had much better benefits for vision coverage and otc drugs. Now I have a $25 a quarter otc benefit. Used to have $125 otc quarterly benefit. United Healthcare also makes it harder to get some needed drugs, requiring that you fail treatment with 2 others first. And the prior authentication department is a disaster! My doctors Office (different ones), have had submit numerous forms for the approval of the same medications. Because the PA line said they had no records of requests.

It’s unfortunate that the representatives don’t know what to say or to say anything just to talk to you. Try to get Health prescription concerns, taking care of and just get a runaround. They specifically sent me to OptumRx. OptumRx said the prescription was coming in the mail expedited service and then the next thing you know, they said there wasn’t even in order do better UnitedHealthCare!

I have been with United HealthCare since I went on Social Security 14 years ago. The rates kept going up every year. I tried to switch from Plan F to Plan G to save money but was denied because I had been in the hospital within a year. I called after that period ended and was denied again based on some test I had had in an ER visit. This past November I switched from Plan F to N because I had to find a way to save money. My upcoming premium was just raised 23%! Why? She blamed it on the state I live in! You can count on me changing companies in November this year.

Very bad customer service. I try to use my Ucard and it’s not working and saying insufficient funds. I called customer service so many times and they couldn’t help me. It’s been last three months since I am unable to use my card. United Healthcare is very bad. I don’t want to give any stars.

Customer service agents seem like they can’t get on the same pages as others. I had to switch mid year and they have told me different things about copayment. The web site agents refuse to make it where it shows the correct Information. I can not wait till November to change insurance providers.

Had a terrible experience with United Health Care, and unfortunately this has happened over several encounters during the past 4 months. The customer service is terrible. I believe they outsource their customer service overseas. The agents are very unhelpful and transferred my call from one place to another. The emailed information they sent me is outdated and they list providers that are not even in-network with them so I have to call office after office to confirm beforehand. I've been with UHC for over 5 years. At the beginning they were great, but now that I'm an "established customer" they seem to hold little regard for my inquiries. It's time to look for another medical insurance.

UnitedHealth denies every other claim, when you have small children this is unacceptable. Finding doctors and dentist within the network is challenging. Mixed up files between my child and another. When you try to call it's just a constant run around, rude and no issues resolved. Last year requested new cards still nothing. Just beware and shop for better insurance.

I still have to use GoodRx for prescriptions because this insurance company is misleading. They tell you it'll cost a certain amount, then turn around and tell you it's only if you meet a deductible. Doctor visits and prescriptions are 2 separate things, every other insurance I've had knows this but for some reason this company does not. They take almost $300 out of your paycheck and still expect you to pay almost $200 for specialist and $150 for regular doctor visits. STAY AWAY FROM THIS INSURANCE COMPANY!! YOU WILL REGRET USING THEM!

This company does unethical and illegal things. I have two complaints filed against them with Medicare. They discontinued my health insurance without informing me. It’s against the law. They are supposed to provide a 30 day prior notice. They did not! They made my life miserable when my plan was active and then terminated without notice! STAY AWAY FROM THEM!

Called UHC before I enrolled to see what would be covered. Spoke with "foreign" representative. Was told an upcoming EGD would cost $200, called again was told $800. Called another time to find out what prescription inhalers woud cost, was told $375. Guess what all three phone calls I was given incorrect information. Long story short, EGD cost me $2000 (not $200 or $800). Inhalers cost $940 (not $375). I would give them 0 stars if I could. I will switch to my old carrier in January when my open enrollment is offered again.

I’m beyond frustrated with United Healthcare. They refused to cover my yearly physical, even though preventative care is supposed to be covered under my plan. What’s the point of paying for insurance if I still have to foot the bill just to go to the doctor? This is just a small issue, but it makes me wonder—if they nickel and dime people over routine checkups, what happens when someone actually needs real medical care? How many people are denied coverage for lifesaving treatments because of corporate greed? United Healthcare has made it clear: their bottom line matters more than their customers' health. If you’re considering them, do yourself a favor and look elsewhere.

After 15 years of doing business with United Healthcare, they canceled my insurance. They don’t notify me. Nothing. I found out totally by accident, but I didn’t have any insurance. I called them. They said, "Yeah we’ve been sending letters to your cardiologist and not getting a response so we canceled your account." Well I said, "Who are you sending the letters to?" "Your cardiologist Dr. **." "I’m sorry. I don’t know who Dr. ** is. My doctor Dr. ** in Boynton Beach, Florida and has been for the last 15 years. You guys have been paying him. Who’s **? "Oh well there’s nothing we can do. Would you like for me to send you to the sales department?" That’s what you’re gonna get for your money. Choose your insurance wisely. I didn’t. That changes today.

No customer service. Online OTC order sent item near expiration date. Talked to multiple people with no resolution or email response as was promised. Spend days trying to resolve issues. Can’t use money in rewards account as promised. Need to scan each item to see if it is allowed & can only shop at certain stores which charge a lot more for the product. Way too time consuming & confusing. Out of network dental claims can only be submitted via the mail. Still unable to submit electronically. Wait 8 weeks to be reimbursed. Entire site is very confusing and very time-consuming to utilize. Customer service is nonexistent.

Many people have bad things to say about United Healthcare but that has NOT been my experience. I've been had United Healthcare Advantage Plan since 2023 & HONESTLY have had nothing but great experience. I pay extra but it is so worth it. Also, many times (at least 10 times) I've had to call w question or assistance and have never been on hold unreasonable period of time and each issues has always been resolved and the representatives have always been so nice. I know what it's like to have terrible insurance (Blue Cross, Am better is worst!), and in my opinion and from my own personal experience, at age 62, United Healthcare has been the BEST health insurance I've ever had.

I got covid in January of 2024 and I was going to go to the doctor. I called the health insurance to find out which doctors I could go to and they told me that I didn't have health insurance. A year later I was told that I did have health insurance and it cost me $800 in tax returns because this company lied to me. They are crooks that pocket money they shouldn't get. If I could give them less than one star I would.

Why would anyone choose United Healthcare for Medicare Supplemental Prescription Drug Coverage? 2 words: they suck! The biggest claim deniers, terrible overseas support and just a bad company! I wish I could get my money back and select another plan right now! I will next year for sure.

They care more about revenue than health care. Unfortunately the company I work for only uses UHC. They deny without reading the complete purpose for the request. As soon I can, I will dump them before something serious happens to me. No trust at all.

Talked to them forever. They kept transferring me, this was an urgent matter which I explained to them, but they then hung up on me for no reason. The workers who answer the phone do not speak English very well. Even if you have an emergency they hang up on you.

They included life insurance with my plan and when I called to cancel just the life insurance and still keep the medical plan, they cancelled the whole plan without my knowledge. I just noticed they did not take the payment on my account the following month so I called just to find out it was cancelled! Imagine if something happened to me and my son, we weren't aware we don’t have health insurance because of their mistake! Then instead of reinstating, they wanted me to apply again for the same plan but since I turned a year older, same plan costs $100 more. Do not waste your time with this stupid company! Now we lost health insurance because they won't take accountability for their mistake.

As of January 1, 2025 I began with the nightmare of my life UNITED HEALTH CARE. They have denied authorized visits to several of my specialist and physical therapist. They refuse to speak to me about the issues. They refuse to allow me to speak to an American representative in the USA. The Filipinos who answer the phones always say well I don’t know then say they have been trained. I think Trump ought to make it illegal to operated answering centers providing service to Americans outside of the USA!!!! I need an insurance policy that covers my needs!!!!

In February I tore my hamstring at work very badly. I called UHC and was told to get a prior authorization for an MRI by my primary. I got the PA. My MRI was denied. I looked into it and UHC used a 3rd party called eviCore which specializing in finding ways to “cut cost” or deny claims. I was very upset because I cannot walk and therefore cannot do my job (I am a construction worker).

UHC customer service is not helpful. I have had basic questions-- like questions on an EOB -- 2 customer service people did not know what an EOB is. Waited on hold 35 minutes for a supervisor who could not explain the EOB. Additionally, I'd really like someone whose English I can understand. I've lived in a foreign country, so I know what it's like. But these folks should not be phone service.

UnitedHealthCare brags about there UCard cash benefit and it's the biggest phony waste of money I've ever seen. Just try to spend it, none of the big stores accept it because they know it's useless. I wanted to pay a hospital bill with it and they don't allow it and it's because of you can't spend it, they get to take it back at the end of the month. Just Google Where to complain about united healthcare ucard online and you'll see the phony complaint sites they have that do nothing. We need to come together and complain to Medicare and Medicaid and any other agencies that oversee them.

The negative reviews are true. United Health Care will deny needed medical surgeries/procedures even after several appeals. Please do not choose United Health Care if you value your health. The solid 1 star review should be all you need to know.

This is got to be the worst insurance company I have dealt with in all my years of being on Medicare and Medicaid. The most difficult to deal with, the most difficult to understand, the rules that the physicians have to follow to get a prescription filled are beyond ridiculous and don't make any sense. And they are required to repeat paperwork 10 million times. It is the worst decision I have made in my adult life!

I have had UHC health benefits for quite some time. At renewal, I never change the plan, I just renew the one I have existing. This time I did not realize that the plan changed and because I didn't read the 20 pages of fine print I did not know that the yearly vision benefit amount has changed from one year to 2 years for the exact same amount of money that I was getting in one year. The benefit amount remains the same but, now that amount has been stretched over 2 years.

This company has cost me greatly. My sanity, my free time, and my money. These people do not care, they make mistakes and make you fix them. They make empty promises, and send to collections. The appropriate words for these people aren't allowed to type here. Someday they will get their judgement, but will cause suffering to individuals and families until they are gone. They have flipped my life upside down. Crooked company.

I was on the AARP Medicare RX plan due to low income. I received a letter last year the plan was terminated from the government December 31st, 2024. I called United Healthcare after receiving a bill for $34.80 for the new year starting in January. I called and cancelled with them due to affordability. They took it upon themselves to keep me enrolled. The lady had told me that don't worry I would be canceled and disregard any future correspondence for bills. I asked did I owe any money for the month of January and was told no.

United Healthcare is concerned with one thing only--PROFIT. I spent 2 months and many hours on the phone talking to more than five "advocates" trying to resolve what should've been a simple issue. Several of them promised to call me back & give an update, but never did. Walgreens billed my 90-day blood thinner (Jan-Mar)--which has a brand new deductible of $420, unlike any other insurance company--on the last day of 2024, even though I purchased the medication in January 2025. Had they billed it when I paid for it, the deductible would've been satisfied. Walgreens was very cooperative in changing the date & resubmitting the new date to United Healthcare twice, but United Healthcare denied their request. (UHC employees get incentives to deny claims!)

They told me all my medications were covered. I had to provide them a complete list of medication before they decided if I was worthy of their insurance. I was told all my medication was covered. I already had a prescription for the medication from my previous insurance. When I went to get a refill from my new United Healthcare Insurance it was not approved. I had to get a prior authorization for a medication I was told was approved before taking their insurance. They lied. They pulled me off a medication you are supposed to be weened off of. It’s been six days that the authorization has been submitted by my doctor. Guess what?! They don’t even have to do it if they don’t “want to” Fraudsters. They just wanted me to switch and pay my money to them. Another example of corporate corruption.

I would strongly advise people against this insurance. They do not care about their customers, just money. I needed a pre authorized medication and when it was was not thinking about switching it they said as long as my doctor authorized it I wouldn’t have a problem. Well my doctor did but they still declined it stating it needed to try generic ones first. I had already tried them in the past and had horrible reactions so I didn’t want to go through that again. So now I have to pay for my prescription myself and it is expensive. I will be definitely going back to Humana because they actually do care and I wish I had never switched. The only reason I switched in the first place was because my chiropractor took their insurance and not Humana.

Not only did the shady employer Republic Services sign me up for this without my knowledge. They were taking money from my check for insurance that I knew nothing about for almost a year. And United HealthCare didn't notify me at all. But they kept taking payments. They are just as guilty taking money that was taken from me. I had no clue until March of 2025 that I was paying for insurance I knew nothing about. I haven't received 1 letter until now from United HealthCare. Anyone reading this do not spend your money with these thieves. And make sure you don't work for shady companies like Republic Services.

I called to see why the UHC app doesn’t show my vision copays and coverages (the dental does, but the vision only shows my ID card). After 2 hours and 17 minutes and being transferred to FIVE different reps, I got nowhere. The reps were very difficult to understand and they kept transferring me to wrong departments, disconnecting me, and once even transferred me to Delta Dental whom I’m not even insured with. Worst part is, on every call and transfer the recording asked me to stay on the line for a survey, but the survey never came. The reps couldn’t even get me to a survey. Do you even offer a survey after a call with a rep? I’m beginning to think not.

Do not sigh up with this insurance. I made an appointment with a doctor that was on their app and it was in network. After 3 appointments I got a bill from the doctor's office stating I owed over $300, when I have a $5 copayment. I just got off the phone with United Health Care and at first the representative told me they never received a bill from my doctor's office, so I pulled up my app and it clearly stated denied. Then all of a sudden she could find it and said it was denied due to out of network.

United Healthcare Medicare advantage, is horrible. I have had numerous doctor ordered, critical to diagnosis, delayed, or outright refused. Especially things that require prior authorization, forget it.!! Do not waste your money on this company. Run. Don’t walk!

The absolute worst insurance company that I've ever had. They like to delay and deny everything. They have delayed care or denied my Meds, medical procedures and supplies, surgeries etc... I don't see where there is any good reason to even have health insurance if it's this bad. You're going to be paying out of pocket for everything anyways.

We’ve had Unitedhealthcare as our insurance provider at our company for almost the past year and we will never use them, again. They will not pay for anything. They don’t care about anyone. You can send as many appeals as you like and it won’t make a bit of difference. They like to use the excuse that something is not medically necessary when indeed, it is.

Ordered UHC Medicare Advantage Give-back plan of $72 to my SS mo income start 2/1/25. On 1/21/25 I call ins lady wanted add dental to plan that was already approv by UHC. Gave me the plan # & tele # of UHC sales. Called UHC same day & spoke salesman Spencer. He found my name, plan, SS#, doc, Medicare #, medications, give-back plan. Told me he could add dental at no extra cost to existing plan & could upgrade my exist plan at no extra cost to AARP UHC. Of course I agreed. Plan went into effect.

The automated phone system is a nightmare. I switched health insurance in 2025 & can't retrieve the 1099HC tax form as the member ID (for all of 2024) no longer exists. Without it you can't log into the website or even move through the automated phone system without being disconnected by them - Humans don't actually appear to work there - just machines.

This company is the biggest scam on the planet. They overcharged me by a 1000 dollars. They "fixed" it, didn't take out my auto pay in February and said I owed for March, which magically did come out. Now I may need to push back my cancer surgery again. I hate this company. I was transferred to 3 different departments and had to constantly repeat my information. They make it purposefully obtuse to stop you from getting it resolved.

I called to check to see if orthopedic insoles were covered, I was told yes. My doctor's office called and they were told yes. I was denied after paying for the visit and x-rays! I spoke to other reps who gave me incorrect information. It wasn't until I spoke with a supervisor that I was given correct information. Before you do any procedure check with a supervisor. She apologized for the "misinformation" but would not refund me the money I put out!

While their customer service is good, their coverage is absolutely horrible. Both their dental and vision team make mistakes and blame the providers for coding errors or simply state something isn't covered due to an odd technicality. Perfect example as to why free market is better than insurance.

They are liars! I called the office prior and confirmed with the doctor that my husband's office visit would be billed as a physical with no amount owing. The receptionist told me I have nothing to pay, she originally wanted to bill me $40 for the office visits. Super disorganized and messy. There’s no standard and everyone says something different. I received a $249 from my insurance because of this. Dr. Rasar ** is a scammer. And when I call the billing department, they just hang up. Extremely rude!

My new health insurance provider for 2025, United Healthcare, discontinued my coverage on February 28th, 2025, due to a missing form that they claim was faxed to my doctor on February 26th, 2025. I received a letter from UHC on March 4th 2025, which was dated February 21st, warning that my coverage would be canceled on February 28th if the form wasn't returned. Unfortunately, I’ve had a very frustrating experience with their customer service, which is based overseas. The representatives, who speak English as a second language, have been unable to assist me effectively or clarify the situation. Given the lack of support and poor communication, I would not recommend United Healthcare to anyone in need of reliable health coverage." I made a terrible choice picking UHC.

My mother-in-law is elderly, and United healthcare calls her so much she will not answer the phone for fear that it’s going to be them. Today I called and tried to get them to just call me and leave her number alone, and the man insisted that he needed to speak to her. I asked for the supervisor and he called them, but we got cut off. Please do not call her but call me, Joseph Dale **!

Has a good website but that is about it. It keeps denying medications prescribed by my doctor including one for severe asthma. Because the drug is usually prescribed for POCD and not Asthma, they said they would not cover and that I should ask my doctor to prescribe another one. It is illegal to practice medicine without a license but these insurances seem to get away with it.

Horrible insurance company. They do not care about people. They take your money and deny life saving procedures. I was denied a defibrillator twice but they approved a Heart transplant. Make it make sense. Heart transplants do not happen immediately but getting a defibrillator can stop a heart attack in the meantime. Who's making these decisions? Do not waste your money with these people.

1 hour on the phone totally wasted. The agents don’t even understand basic questions, can’t provide simple information about my coverage and have serious issues simply communicating. Terrible customer service, terrible coverage and overall experience.

This is the absolute worst insurance I have ever encountered in my 34 years of living. They help you with NOTHING! Literally, its a scam. I didn't even know "insurance" could be this bad, they definitely take the cake. If I could give them no stars, I absolutely would. They do not help with meds, they won't help with my son's CT scan of his brain to rule out tumors, they won't help with doctors visits to my doctors I have been seeing for 15+ years, and I will warn everyone I know about this joke of an "insurance company." I am cancelling them and switching back to BCBS. Never again will I stray from BCBS ever again. United HC is a SCAM, literally!

Absolute trash insurance company from every angle. Literally bottom of the barrel. Companies pick them because they’re cheap, and it is reflected in their services. They might do better in an industry not serving people’s health needs. We’d all be much happier, that’s for sure.

I am writing this review to express my deep disappointment and frustration with United Healthcare's handling of my wife's Multiple Sclerosis (MS) treatment approval. After receiving all necessary approvals in advance, United Healthcare canceled her treatment at the last minute, causing significant distress and disruption to her health management.

I just broke my foot and need to have an MRI to determine if I need surgery. United said they need 3-7 business days to approve an MRI because it isn’t life threatening. I can’t walk and am in significant pain. But at least they get to save an extra 1k dollars to their billions in profits

Due to severe, unpredictable medical issues I was placed on long term disability through my employer, therefore losing my medical insurance and having to obtain my own. My income is highly limited and my medical bills extremely costly. I signed up for united healthcare care and utilized it for a year no problem. I called to enroll for the next year and explained I wanted the same plan. They said it wasn’t exactly the same plan but very similar and enrolled me for the 2025 year. Once reviewing my premium cost for the month of January to pay, I saw my bill was over $600 for one month premium. I called in and realized the plan I was enrolled in was not similar to the same as the previous year and cost much more. So I was reenrolled into the correct plan but was responsible for paying the month of January before being able to utilize my healthcare plan at all.

Terrible health insurance. Go with BlueCross. I signed up for the maximum coverage and the highest premium. They don't answer the phone. Online chat is a bot which doesn't understand English. Non-US based "customer service." Spent 3 hours on hold and getting shuffled around tonight and no one has an answer to a simple question. Do not buy United Healthcare, they should be prosecuted for fraud. United Healthcare does not provide the services you pay for.

I have had United Healthcare for 5 years or so and I was prescribed a medicine that I need for my bad muscle spasms which I have tried many. The medicine cost about $30 and they denied it and my doctor filled out a prior authorization and they denied it again. These people are the worst of humanity and they play with people's lives. I wish Medicare would end their contract. They deserve to be shut down. I'm going to try to switch even if I have to move.

This company sucks! I have my premiums deducted from my social security every month and now UHC sends me some generic letter of how to set up EFT payments. Why would I do this when I have it deducted right out of my benefits. Now I get concerned, why are they sending me this, so I call them. They tell me I owe them 89 dollars. Why did the letter not state this??? We go round and round then finally they say, oh, social security will be paying this. I mean really people???? So out of paying 86 bucks a month, I go to refill the only 2 prescriptions that I have and they decline to pay it. So I spend another 53 dollars to get my meds. Why am I paying these ripoff artists 89 dollars a month?? Well, not anymore, I just cancelled the coverage. Do not sign up with these rip off artists!!!!

Customer service and communication with UHC reps has been beyond frustrating! I had a Bronze plan for a few months that I bought through Marketplace. When my husband's company was now offering coverage, I was told by UHC that I needed to submit my request to discontinue my Bronze coverage in writing, which I did. We purchased a UHC Gold plan through Thatch. I received a new insurance card. We have paid for 2 months of coverage, yet we are told that we do not have coverage. I spent many hours talking to many different reps and NOBODY can figure out what is going on. So where is my $4,400 + gone? Why can't anybody figure this out? I have written proof through Thatch.

I have been a policy holder with United Healthcare for years, and recently had to file a claim due to a PFO that was recently diagnosed after having a TIA. Closure of the hole reduces my chance of a stroke. After experiencing my TIA and spending two nights in the hospital I later visited with my cardiologist, it was determined I needed to have the PFO closure catheterization procedure. United Healthcare denied the procedure primarily due to my age. I went to another cardiologist to get a second opinion. He also said I need the closure to prevent a future stroke. United Healthcare is denying this claim for preventative care. Once I have this minimally invasive procedure I will no longer need to take medications. I pay for the highest premium insurance yet I’m uninsured in a time of need for healthcare services, especially preventative healthcare from a major medical event.

I signed up in February 2025, coverage started in March. I was told and my account say I have OTC AND HEALTHY FOOD BENEFIT. Went shopping and was denied food benefits. I called. They said in order to have healthy food I need a form from my Dr. Why wasn't the form submitted to my Dr when I first enrolled. I was told several time I have healthy food. No one ever said anything about a form from dr. until now. It will take at least a month to resolve this. Every person I talk to has a different story and excuse. They can not be trusted.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

I wanted to give a positive review to customer service rep. Britney for staying on the line with me for 2 hours advocating a referral complication between my PCP and service center. She was well informed and articulated the issues very well, working with both my challenging PCP office and my gynecologist office. At the end of the day, we are hoping that the issue is cleared up, and though we spent 2 hours resolving something that theoretically should take a few minutes, I was glad that I met a UHC rep like Britney, because it shows how despite sensationalized or generalized press about UHC that there are genuinely helpful people apart of the company, that did all she could to advocated getting this referral handled ASAP with professionalism, persistency, and a sense of humor. Thank you Britney!!

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

I want to share this positive Review because United Healthcare deserves it. I recently found out a Dr. Matthew ** has left Surgical Clips in my TMJ area and I have been suffering with pain and Chronic Deformity for years. I have continued to go to several Specialist but no one has diagnosed me with these clips that continue to cause infection, swelling, bleeding etc. I learned of the negligence on 9/26/24 and these doctors have known for years but instead they say, "I am Delusional," to prevent me from getting the proper medical care and treatment. Virginia doctors have been caught several times with the mistreatment of patients. I want to thank United Healthcare for their loyal support, care and compassion while trying to find a doctor in another state who morals and ethics have not sunk so low. I pray I get the help needed in time before this severe infection kills me. I want to thank the staff and especially Ms. Crystal T. for the help I received with this matter.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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