UnitedHealthCare Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

SCAM COMPANY - PLEASE AVOID! I had a terrible experience with this company. They were quick to take my money, but when I called to request a full refund after 8 days of service with no coverage, they refused to give me a full refund. They claimed I canceled in the middle of the month, so they couldn’t issue a full refund for the $283 I paid for health insurance. Instead, they only refunded me $113, leaving me at a loss of $170 for no service. Please take my advice and avoid this insurance provider at all costs!

It’s become a not so funny joke around our house. Every time we get a letter from UHC we discuss “what are they denying now”? They are constantly denying, treatments, drugs, tests, specialists and any and all things related to my health. I am disgusted that they are allowed to do this to so many people. Especially older people who don’t fight, or better yet switch insurers. Do yourself a HUGE favor, run, don’t walk, run from doing business with this unethical organization.

I am a mental health provider. My clients has high deductible so they almost always couldn't afford to use their insurance through UHC. UHC also profits on denying needed care. They are the worst of all insurance companies by far

United Healthcare has repeatedly been dishonest in their business dealings with me. And their customer service is pathetic. They do not cover the promises made in their contract and I was billed for services from my care providers that were supposed to be covered. They claim they will call you back if you have a complaint but do not. My advice is choose ANYONE but UH. They don't deserve 1 star but it's the lowest rating I could give.

Coverage was abysmal. My youngest has autism. They didn't cover much. Price doubled in 2 years for my small business. I would suggest looking elsewhere for coverage especially if you have a child with special needs.

Had this insurance thru Tricare Prime. Had very difficult time finding physicians who would accept this insurance. Then those who did my surgery cause me pain the rest of my life. This is no way to treat military veterans due to the greed of this insurance company.

Not covering any of my ultrasounds during pregnancy. They are costing me more than I would pay in cash without having any insurance. What a rip off! With Aetna I didn’t have to pay a dime for prenatal care…

My wife and I got a Medicare supplement plan quote through AARP. Our quotes were double what my present company charges. I have had the same experience from other AARP associated vendors. Auto insurance, Life insurance etc. They all appear to prey on elderly people.

I would NOT RECOMMEND THIS INSURANCE COMPANY TO ANYONE!!! They will have you sit on the phone for over 2 hours each call, send you to a nurse when you ask for a Dr, and not give you insinuations as promised. They make you talk to someone who don't speak English. WILL NOT PUT A SUPERVISOR ON THE PHONE. HORRIFIC COMPANY!!!!

I highly regret selecting this company as my insurance provider. They have rejected covered claims based on vague reasons, customer service has been unhelpful and unresponsive to complains. They are difficult to coordinate with (making it confusing and difficult even for providers to send rejected claims to secondary insurance). If you want to complain you either spend 30+ minutes on hold on the phone or are forced to navigate a clunky website where the chat responses STILL have significant wait times. ABSOLUTELY GARBAGE ORGANIZATION. DO NOT USE THEM.

I cannot express how utterly disappointed and frustrated I am with United Healthcare. They have failed to do the bare minimum - covering my annual preventive physical as required. Despite having a plan that explicitly states 100% coverage for preventive services, my claim was outrageously denied, leaving me stuck with an unjust bill for services that should have been fully covered. This is nothing short of a scam. Annual physicals are a basic, routine part of healthcare, and United Healthcare’s refusal to honor their commitment is not only unethical but also infuriating. What’s the point of paying exorbitant premiums if they can’t even get the most straightforward claims right?

Kept on getting text messages from them trying to sell me insurance when I am already covered. I thought they were just scams until I decided to call one of the texts and speak with an agent. She gave me a valid license ID which is required to sell insurance in my state. She was very polite and professional but something is wrong with their database or system. Then today I see the CEO on the news. I look him up and he was being investigated prior for insider trading. Typical greedy company with greedy higher ups. Yeah it's unfortunate for some but this is in no way a surprise.

No thanks. Would never use. Would never recommend. Always switch price. Never keep their promises. Create duplicate bills. Pretend that medical necessity are cosmetic. Don't want to refund. Don't want to cover

This company changed my pcp doctor without my permission or knowledge. I was wearing a heart monitor at the time too. I couldn't believe that they had the audacity to change a 53 yr old man's doc. without even a phone call. I couldn't even go to the Dr. they changed me to because they didn't except Medicare for people under 65. When I called them to talk to the person that made the decision to change my doc without permission they acted like it wasn't a big deal. I can't talk to them anymore. They actually believe they are the boss of you and your care. I pay them to handle my bills, not to be over my doctors and to change my doctors without permission and just send me a new card with a doctor on it I couldn't even go to. I'm still in disbelief. I have never had someone change my pcp without my knowledge.

I'd leave 0 stars if I could. By far the worst experience I've ever had with health insurance. Their plans are filled with fine print garbage to worms themselves out of paying for literally anything. It's no surprise this scam of a company profited over 200 BILLION in 2020, you pay them monthly for them to spit in your face anytime you need coverage. You're better off with literally any other provider.

Despite having the highest plan offered, it has consistently failed to meet my needs, resulting in large financial burdens. Over the past year, I have incurred expenses exceeding $ 18,000 for services not covered under this plan. Furthermore, the lack of coverage at Buffalos Children's Emergency Services at Osheis Children's has posed a huge challenge, as this is the primary facility in the region for pediatric emergencies. Their customer service if you would like to call it that it subpar in every way. If possible stay away from UHC at all cost. Then there's that pesky new enrollment by Dec 16th which for the same plan will cost me %148 more.

This is the most horrible of customers service I have ever seen! Nobody knows their butt from a hole in the ground! They pass you along from person to person for an hour before you get to anyone that can help!

I was on the phone with United Health Care. I talked to 4 different people to get dental canceled. That I didn't know I had. I was waiting for a survey but they put me back on hold and won't let me do it so I figured I would leave one here. It shouldn't take a hour and 45 minutes to get something like this dealt with. I have Aetna. I never have a problem with them. Passed around to 4 people. Ridiculous. Waste of time.

Worst Insurance company ever. Stay away. Hold times are forever -- 2+ hrs and they just hang up when they do pickup. Can't cancel them over the phone and they want you to mail them. Benefits are subpar at best. Regretted picking this insurance company when I moved to Texas.

If you are trying to get medical insurance under California Cobra, I do not recommend United Health Care. My Federal Cobra coverage with United Health Care expired on June 30, 2024 and I transferred from Federal to California Cobra on July 1, 2024, again with United Health Care. The transition process was difficult because no one seemed to know anything about California Cobra. I immediately started paying my monthly fees. Despite this, in August 2024, my mammogram was cancelled because I "did not have medical insurance". I called United Health Care and, after a long call, got everything straightened out. The service representative said I was never denied service, which is incorrect. My mammogram was cancelled.

My annual exam included a normal blood work lab. Under my policy this is covered. However, four months later, the Lab billed me for a portion that UHC would not pay (I confirmed with Dr. office that the lab work was coded correctly), I call UHC on three occasions to find out what was going on. Each time I was told "NOT to pay the bill" as UHC had paid it and I was not responsible for this amount. The UHC rep. said she would call them and clear it up. Several more months later, the Labs sent my bill to a collection service. UHC will not provide me with the copy of the communications I had with them.

We have enjoyed using Greater Tulsa YMCA for senior citizens for exercise for several years. Now United Health Care no longer supports the YMCA in Tulsa Oklahoma just to save a few pennies to the detriment of our senior citizens.

Please be aware of this Medicare advantage plan for hard-working metal class. People UHC took away or reduced many of the benefits that other Medicare advantage plants offer a large larger, a better benefit. Please consult your broker for much better options in Connecticut.

Never had an insurance company that barely covered anything. What is the point of health insurance if you aren't sufficiently covered? It costs quite a bit, but you're not covered. I cannot see how this company is worth the stress. The ONLY reason my company uses it is that they're available nationally.

Between the bots and the reps, they are useless and don't seem like they want to help, I spent over an hour with a rep named Dan and asked if we get disconnected can he call me back, of course we got disconnected and he never called back. I've spent more than 4 hours with these people on the phone with no results at all. They were totally useless so I fixed the problem myself, if you can look into other possible insurance because this company is a joke and will get you nowhere fast so its useless to even call because the reps are useless. Thanks for the callback Dan and the rest of you reps get new jobs or get some more training because you need it. You're terrible at your jobs.

I called United Health Care to let them know that even after I told their sales rep that I was happy with my current provider that their call center keeps calling me on average 20 times a day. I even sent them a screenshot of my call logs for the past three days and it's over five pages long with just United calling me. If my other reviews are still up you can see they cuss me out, calling me names and said they will continue to keep calling me. It got to the point I filed a police report because I have had my number for almost 50yrs. United Health does not care I'm being harassed.

United is very disorganized with their rewards program..So frustrating..I have had to call several times, waiting for my check, only to find out they sent it to the wrong address..I do not understand how they can’t get my address correct? This is so frustrating…Six weeks and no check, now I have to wait another four weeks.. Should not be this long..They need to get their act together..or we will drop them..

The worst experience ever. I was covered by the United and they refuse to pay for my mammogram. They paid and then, a year later, took the money from my doctor. They said I had a secondary insurance. Nope, I didn’t! They paid and then a year later took money back from the doc. Why? 11/15/24 rep RJ told me she is going to find out and call me back. Lied! 11/18/24 Kaye P told me that they will resubmit the claim to process because “the doctors office had wrong coding”. Lied! 11/25/24 I got a letter from united saying that they “originally we told we don’t pay for your care”.

You honestly might as well throw Your money in the yard, set it in fire, or give it to the nearest crackhead. This is the absolute worst insurance company I’ve ever had the displeasure of dealing with. They’ve done nothing but waste my time, my doctors valuable time. And charged an arm and a leg for nothing. They will not approve anything, but will tell You if you pay more monthly they might. They lie on the phone telling you how to navigate things, you waste weeks, your doctor jumps through every hoop, and they still decide they don’t care. This company should be ashamed of themselves. If you enjoy paying good money to bash your head in a wall repeatedly give it a try I guess. I will not be reenrolling. I would rather be uninsured. I’d get the same coverage but for free.

So this yet another example of health insurance policies with hidden features designed to deny claims and not pay out. Our child needs long term occupational therapy and everything on their website says it will pay out of network after a certain amount ect. But what it fails absolutely to mention is that it only allows for 20 visits. He needs to go two times a week. Totally absurd, and I'm glad the poor woman at the doctor's office who is paid to deal with these absolutely unequivocally corrupt insurance companies caught it. They profit while everyone suffers. Private insurance should be outlawed.

Updated on 06/09/2025: At this moment, I cannot begin to describe the feeling of disappointment that I have in United Healthcare’s “so called health insurance system.” I have been a member since 2011 that is the crazy thing about this situation. That was the first time I was diagnosed with cancer, renal to be exact. I lost a kidney and a rib. My life changed drastically, but I was told UHC was the premier insurance to follow my care, so I went w UHC. Unbeknownst to me I have Cowden’s Syndrome; which is basically “an inherited cancer gene,” that causes one to fall victim to an array of basically any other cancer, which I did.

Leading up to open enrollment, three of my prescriptions expired. United Health did not notify me and didn't request updated prescriptions. Once they were notified I had chosen a different company for 2025, they stopped shipping my automatic refill prescriptions. By the time I realized this in November, I was completely out of two of them. They would not allow me to manually refill them on the website.

I was robbed out of money from my OTC account from 2023 to now, they made me change my plan in 2023 and they sent my new U-card to an old address 2 times and I got it late Sept. I lost over $900.00 on benefits from my card, and in 2024 I had a very hard time paying my AT&T bill because they screwed this account up. I couldn't stroll the pages up or down to pay my bills, there was money left in the account that I lost going into a new months. Over $200.00 and I got late fees from AT&T that they refuse to pay them, I emailed the CEO (Andrew Witty) of this company over 30 times about it and he refuses to fix the issue or talk to me direct and he refuses to give back the money that was lost with my OTC account and the company lies a lot about the issues. This company should change their name from United Health Care to United Health Care Robbers R Us!!

I am very disappointed with this insurance. I was told it was one of the best ones. Customer service is awful. Nobody knows anything. Every time I asked a question to a different agent I had a different answer. I went to a wellness visit which I was told was 100% covered and they charged me for a 5-minute call for a follow-up visit just to tell me my lab results. It took them a month and several calls arguing to get my prescription authorized. I was told it was 100% covered and had to pay for it until it was approved and was supposed to get refunded. A supervisor told me she was going to help me then refund and then disappeared. Extremely bad experience. Just try another insurance. This one is not worth it at all. Very unprofessional.

We had to put my mom on a PPO last year as her company moved Retirement medical to outside services. Of course, after all the research and paperwork to get her set up last year for payments/auto pays, they dropped the plan for this year. No equal coverage plans available from UHC. New plans are either less monthly rate but double catastrophic cost, extra meds cost and hospitals costs to three times the monthly cost to get anything close. Former plan was FG-0004. It was a great fit for her needs. Now we are looking at new companies. Would have gladly paid extra $30 a month for the same plan, we get that costs go up.

I currently have Plan D.... This is the worst customer service experience I've encounter in my 77 years on the planet.... I've spent hours in the past few days trying to connect.... They route their calls to third world countries where their representatives are unable to discuss or even pronounce my current prescriptions... When transferred to the mainland the quality of their agents are atrocious .... Don't waste your time or money United Healthcare Plan D. They are the worst... Please check out all of their 1 star reviews

I just needed to remove a phone number from my profile. This is related to "Optum Bank" HSA and "HealthSafe ID" as well. I spent four hours yesterday trying to get back into my online account after removing a phone number. Their "support" hung up on me five times, quite intentionally. I finally just told them to close the account. Under no circumstances will I ever use their services again, and I am telling my employer of these issues to discourage them from ever using your HSA services, or any others. All because it was so incredibly difficult to remove a phone number from my profile. The ID provider they use, "HealthSafe ID", redefines making something safe, by making it entirely unusable. If there is an HSA option on your medical coverage for United Health Care (UHC), do not take it. This "service" is not a service at all.

Don't fall for their phony house calls program. They say they will pay you to do it - they do not. They will waste your time and your patience. They do it for a kickback from Medicare. If you need medical attention, go to a doctor. I would never recommend them even to someone I didn't like. I only rated it 1 because they do not have a zero.

My old phone died, got a new number and phone. Have not been able to log in to my UHC or Optum Pharmacy accounts since. Wasted a lot of time on the phone & chat to be told they can't help, here's another number to call... May have gotten number changed, then CSR says it will take four days before they can get around to that, to hell with what I need. New diagnoses, new meds needed. Can not get them because of HealthSafe ID. Customer service wastes literally an hour only to say they can do nothing. So basically can not change phone number. Cannot get new prescriptions. Cannot order OTC items I need. Customer service barely speaks English. Big help. UnitedHealthcare, protecting seniors from getting healthcare is their specialty.

Please do not subscribe to this healthcare plan. In truth, I don't think any other ones are much better, but this company is consistently refusing to pay my medical bills (after approving the treatment). My husband has a cardiac condition and after recent surgery has to take two blood thinners to prevent his arteries reclogging. One of these is Eliquis. We are going abroad for three months and they refuse to give him three months worth of refills even though he has a prescription for a year. I guess they hope he dies so that they don't have to pay for his healthcare anymore. Truly despicable greedy and unfriendly company.

Do not use United Health Care in Florida, they bill you constantly even after you cancel your plan. The plan that I cancelled was a Florida Dental Plan. They still bill after a week of a verified cancellation. They have several different telephone numbers that they run you around for correcting your issues. **, 866 414 1959 as an example. I was on hold for over an hour before actually talking with a real person, Kasai. She transferred me to another so called Advocate as she was in a different UHC Department. Diamond finally assisted me after an additional hour on hold. She was very professional and assisted me in my refund request.

Avoid this company if possible. I wound up in the emergency room with two fractured vertebrae and a chip out of my ankle bone. They denied all non-opioid medication prescribed - forcing me to either take opioids or pay full price for the lidocaine patches out of pocket. They have denied almost every other claim from this accident - forcing me to worry about paying even more than the $8000 deductible they require as I filed multiple appeals instead of being able to concentrate on healing. I am at the beginning of filing a complaint to the state of Colorado and I am dropping them like a hot potato in 2025 and will let everyone who asked how awful and greedy an insurance agency they are.

My wife and I had the most Wonderful experience talking with Mr Mark. He is truly a great staff that I’ve ever met. He assisted and helped us to change the doctor immediately. He is very polite and friendly to answer our questions. He was with us all the time until We got what we need. Thank you so much for what you did to us, Mr Mark.

If I could give zero stars I would. I’m actually appalled by the literal mistreatment/abuse that is allowed by this company. My elderly parents, who one of them is suffering from dementia, has been given the runaround for the last 6 months and has still not been treated!!!! How is that even okay. We live in freakin America, and we can’t even get care here. All I can honestly do is cry. No doctor's office in Las Vegas takes this so called insurance, and we are at our wits' end. I'm going to commit the rest of my life to writing horrible reviews and getting in touch with anyone who will listen so maybe my parents can get care before they pass. I’ll say it again, I’m appalled. Not sure who is in charge, but I hope somebody with power reads this and can provide help to my parents.

Called to confirm coverage, it was hard to understand the representative's version of English. She needed to keep checking with a specialist on my requests since she didn't know the answer. I asked several time to be transferred to specialist or supervisor who might have understood my request without checking with someone else, but representative was unwilling to transfer me. After 38 minutes for getting the runaround, I hung up. I'll try calling back later to see if the next person is any better. :-(

Worst experience just to get hold of a customer care for accessing your own account. I had to be in a call over 2+ hours just to disconnect the service as they were not able to find the account and transferred my calls to 8 agents. Never able to use service. We'll never able to find account. However they were charging every month with no shame.

I've had United Health AARP Medicare supplements since 2/23. No issues until now. I applied for a change to my coverage and what a mess!!! If there's any issue with your application their internal communications is horrific. They can't relay correct information between departments nor within a timely manner. Also, they don't seem to realize they have any information on me they may need. I had to make 3 calls and a letter to correct some application information with no resolution. They're sending messages about my canceled policy where no policy has been canceled. The application is still pending.

I am a Caregiver for a Client that goes through UHC. It seems every time I call them on my behalf of my Client, there is always an issue of the Representatives don't seem to understand how important communication is. I'm only going to limit this review to the one complaint that drove me to posting this. I called UHC on behalf of my Client to update his Contact Information so they can communicate with him when I am not working (he got a new phone number). They had a Home Visit Appointment scheduled for my Client, but did not actually update his phone number to the correct one (which I told them to update while I made the appointment for him). So he missed the appointment because they didn't bother to do what I had requested which was to update his phone number so they can call him when they arrive. So the next day I come in, he says no one came for him.

Poor knowledge of customer service, Hours on hold on calls. Bad job on your site for patients. I have my brother with cancer, he has United through Marketplace, and they cancel his policy for no reason, when your treatment begins United cancels your policy saying that it is "voluntary cancellation", each representative has a different answer and no one, not even a supervisor, can help you. This is in the state of Texas, while they work poorly, my brother has to continue waiting without attention because he depends on his ** medication every 4 hours and his oncologist does not treat him because this United company is doing a bad job.

Shiba assisted me in creating a complaint to medicare. United began a medicare plan to begin November 1 without my knowledge or consent. I had a procedure I had to go to Nov 4 and turns out could be cancer. The big polyp has to be done at the hospital. It is urgent that the Providence plan be back in place. Laurie was to get it done November 1. Joel called Nov 5 from medicare complaints. Got out 2 hours early to vote. There is no penalty, no reprimand. Any company can do this without flinching and the procedure bill goes to the client. Sounds like a childish prank but not. Senator Wyden of Portland Oregon used to support Gray Panthers. Where is he nowadays dabbling in his career.

Can not get anyone on the phone. 32 minutes and the service coordinator still isn't available. Wasting time. If you can avoid. I have called for 5 days trying to get assistance with my benefits. Not good at all.

I am a senior citizen on Medicare and last year I called to check out new plans. The best in my area was with UnitedHealthcare. Come Feb I still have not received my member card, I called and was told it had been sent out, all I got was a welcome letter. The rep gave me the information so I could access my benefits, I called several times still no card. I called my advocate and left a message he never called back. October I requested a new card, I just got it in Nov.

Complete morons working in the enrollment dept. Nobody knows anything. No training. Worst experience trying to apply for Medicare Medigap plans. Calls take at least an hour and still don't get resolved.

Refused to pay emergency dental care $210. I have only had 1 cleaning this year and had an emergency visit requiring a deep cleaning and antibiotics to distressed area of mouth. I appealed United Healthcare decision to not pay and was granted a positive decision. Shortly after appeal process I received notice that an additional “review by underwriting overturned my appeal decision”. ??!! I then requested a phone hearing with judge, United Healthcare representatives were a no show and didn’t supply my successful appeal to hearing judge. Emailed my supporting information over a month ago and still no answer. My account has gone to collections. I have changed coverage to another company during open enrollment and will never use United HC again, you should not either.

I cannot log into the United Health Care login portal. When I put my username in and password I get partially logged in, but then my plan for this year and plan for next year shows up, but won't let me get past that. I have talked to 5 representatives at United Health Care and they stated that the website is working, but that's a crock. An error pops up and says "Sorry. It's not you, it's us. We're currently experiencing an internal server problem. Keep checking back soon." So I filed a complaint against the company about their website not being accessible, as well as filed a complaint against United Health Care about their website with Consumer Affairs in NC and also with the Federal Trade Commission.

United Healthcare has been the worst at benefits and followup customer service of any insurance company I've ever dealt with in 40 years. I called in for in network provider, was told the provider was in network, went to 6 sessions then received call from provider that her office manager found out that the United Health Care advocate misinformed me that the provider was in network. I called United to try and appeal the non payments.

This is the worst insurance company I have ever dealt with. I had the greatest doctors and then they decided to not be in network. I call United Healthcare to get in network doctors. The woman gave me eight doctors and six of the eight were out of network and the other two were too far for me to travel to 40 minutes for a PCP.. What a joke this company is..

I had the most WONDERFUL EXPERIENCE TALKING WITH Darling in which her name befits her, she was the "Best Part of United Health " ♥️ She truly is a People person. I was so upset regarding being transferred from my current plan. Very dissatisfied. She listened, she had compassion for my distress and when it was all over she fixed it. No question asked. Just made it back to what it was in which I had no idea it was changed to have a person like Darling hear my needs, my frustration, my desire to stay unchanged. Go out of her way over and above. She was my star.

My job switched to this health care provider... Couldn't make a bigger mistake.. Well for meds they only pay half until your deductible is paid.. So, pay 140 a month before 1000 is paid then it starts over after a year.... Go to goodrx and I pay less for my scripts, crazy....but I still pay 98 a week for insurance that I don't use... Cvs is also the cheapest and they don't take this insurance... I wonder why.

They took my money out for COBRA by automatic payment, which I did not authorize. I cancelled my COBRA 10 days ago, and they took the money out for this month - after I cancelled it and was assured that it was cancelled! Crappy service, crappy insurance.

If I could give them a 0 I would. They are incompetent, disgusting and lack empathy and accountability. My Healthcare provider has been submitting medication for approval since June 2024. They continually deny them. They even deny the ones they tell the office they will approve. AHCCCS and private insurance providers need to discontinue using them. They are submitted a new medication on the 15th of this month under the understanding that it will be covered only to have it denied again. I hate this company.

They denied a family member a drug that has kept their asthma in check for years. There are no other drugs that work as well. I'm afraid this may seriously harm loved one, possibly end them. They also won't approve an non-HRT drug to help treat me for menopause symptoms. I shouldn't be on HRT because of high risk for breast cancer, but according to UHC, I have to either go without, or risk breast cancer and try HRT. If my company doesn't offer non-UHC health plans, I may change jobs. They shouldn't be allowed to exist.

This insurance is the worst I have ever purchased. I got it through the marketplace. Also, I have to say that the lady who provided me with this insurance recommended it like no other. SHE WAS ABSOLUTELY WRONG!!! This insurance will NOT WORK ON YOUR BEHALF! They lied to me, starting from their chat customer services to the forms I had to send to claim overcharges from the provider I, unfortunately, chose based on my insurance services coverage.

Horrible service, simple appointment for Neurology Department. Was on phone for 40 minutes and was disconnected, North county Vista Ca, system was down for over 6 months and I have to go to office to make an appointment with primary care.

I had a United Healthcare plan through the marketplace for approximately 6 months before I got married, after which I got on a family plan also with United Healthcare. First of all, United Healthcare has separate departments for each of their categories of plans so that they can avoid responsibility for anything, or so it seems. They are quick to shift responsibility to one department, or to marketplace, or on to the client when it comes to obvious flaws in their business model. When I got on the family plan I decided to use the app to try to cancel the individual plan. Good luck with that. They don’t allow for that on the app of course. You have to call marketplace I found out after 3 months of being charged for both plans.

I would like to personally tell UHC they are the worse company I have dealt with in 21 years of working with insurance for in the last 21 years of insurance thru my job. UHC, doesn't take care of their members. We sent in a POA for the member, and they will not send it to any other department within the company. After 5 phone calls and speaking to people from other countries, who could barely communicate with English speaking people, they need retraining and an upgrade in their computer system.

They have the worst customer service of any business that I've ever had to deal with. It's bad enough that they don't speak decent English. But even worse, their agents have the intelligence of a 5 year old child.

Rip off so called insurance company. I'm actively suing these thieves for all my payments back. 600 a month and they don’t cover hardly anything. I’ll see you in court United Dump Care. I’m sure you have the funds to defend in a suit. You're ripping everyone off.

If you're thinking of getting this insurance think really hard about it. It's a useless insurance company. Their commercial on tv are nothing short of false advertisement and also their service reps could care less about your life or physical health or any needs for that matter. They are there for a paycheck and that's it. I could go on but it would be a waste of my precious time. They are worse than a 3rd world insurance company if there is such a thing.

I ABSOLUTELY HATE HATE HATE United Healthcare!!! I was supposed to have SI joint fusion on the 29th and just found out that they completely denied it! Pat had taken over a week off to care for me so he had to rescind it. Dr ** is having a peer-to-peer on the 22nd to figure out exactly what they want to approve it. I’ve been in pain for over 2 1/2 years now. They are all about making money and don’t care about the insured at all!

If I could give negative stars, I would. I am a middle-aged woman. My menstrual cycles have been so severe that my hemoglobin got to a 5.8 which is considered acute anemia. I went to the ER at an in-network hospital. They admitted me and gave me several units of blood and performed a DNC on me. I was in the hospital a total of 2 nights. Exactly 1 week later, I received a letter in the mail from United Healthcare stating that they would not cover my hospital stay or one of the blood transfusions as they were not necessary. Our United Healthcare premiums go up every year. Yet, when you need to use the insurance, they deny your claims. They are CROOKS!

I am retired and have a UHC Preferred Network account. Medicare Advantage. My has vision however the vision department of UHC does not show me having coverage. The Vision department shows me through name and DOB as having UCH employer coverage without vision. Again, I am retired, have Medicare Advantage Preferred Network coverage. For 15 days I have chatted, called vision customer service and the regular customer service number for assistance with no satisfaction. As a matter of point, the employer that UHC shows for me was not the insurance the employer carried, when I was employed with them.

Garbage. Unapologetically appalling "customer service." If you are considering renewing your United policy at annual enrollment period, comb through your plan carefully and call them to clarify any questions (and ask for a "stateside customer service call center," save yourself HOURS of wasted time), as this company uses shady practices to misrepresent the co-payments - or outright entire payments - for services that you will be liable for. Avoid this company at any cost. You would be better off *without insurance* and dealing with your local indigent/community healthcare system then using United. The only benefit to this company is the feeling you get when you leave!

I wish I had a choice when choosing a health care company because I would have picked blue cross blue shield. I had them before but my company changed insurance. So far United Healthcare has denied so many things deemed medically necessary by a real doctor. They just don’t want to spend your money for your health care.

I recently ended a Term Health Insurance policy with UHC and wanted to share my experience. In 2021 I left my job to take care of an aging parent, I started a policy with UHC since they had been my policy provider through my employer. I had always been very satisfied with my interactions with them up until that point, so I thought they would be a good choice to continue providing insurance. I was mistaken.

They say you have access to free Virtual Visits but good luck in trying to access this benefit. They will farm you out to Teladoc and you will be charged a fee to use the service that is supposed to be free. Get your Medicare Advantage policy from a reputable carrier.

They definitely don’t even deserve a one star. I can’t even get my steroids from this stupid place. This is the big joke in insurance. Priority health is way better, bring them back to us and get rid of this trash insurance.

Can't rely on their list of providers--most are not who they say they are (I asked for Pulmonary specialist, got in-hospital doctor, nephrology, company that isn't in healthcare). When looking for a psychologist for my mom, NONE of the ones that were given by UHC as providers actually accepted UHC! Doctors are in groups that treat in "mill-style" practice, where they have 15 minutes per patient and have to stop before they should with patients, resulting in forgetting to give further instructions or suggesting I make another appointment for any further questions. Insurance has ruined our healthcare - TIME FOR A CHANGE!

After receiving a letter that my appeal had been denied, and submitting a complaint in BBB, I received a letter that the denial had been reversed on one claim. A representative called me regarding the BBB complaint, and said she would submit the other claim denial for reversal also. They will pay the in-network amounts since he was listed on their site. It is unfortunate that I had to spend two months to get it resolved.

United Health Care, has so many rude representative! I have only had this insurance for 2 months, So far they sent my health card and welcome package to the wrong address, So someone out there has my personal information! They don’t want to talk about that! Then the last 2 months, I have been unable to use my health care $, because I don’t have a health care card! So what does United do, they keep my money, knowing I did not get my replacement card, they don’t care, they just keep taking my money, they say they can do this, because I didn’t use it! Not caring I can’t use it without the card! Now today they say something else! Talked to 3 representatives today, each tells me a different story, 3 different answers, pick one! OMG get it together United! Stop the CON, sent the card, stop using that to keep people's money!

This thoughtless and incompetent company that provides my mother's Medicare Part D started calling our house incessantly with an automated message asking how her recent hospital stay was -- a stay that ended with her spending 7 days in hospice care at home. She's been dead 10 days and this company is still harassing us with an automated message that gives no options for "wrong number" or "I don't want these calls any more." There is no way to speak to a human. Every time I try I am instead put on hold, transferred to a number that "can't be reached," and asked to call back another time before the call disconnects.

Ambushed by non-stop “exclusion” terms left and right. Tried to get what has always been a simple flu and COVID immunization shot at a pharmacy, that is said to have been covered on UHC’s website, and then spent 2 hours at that pharmacy on the phone between UHC and Caremark on which party actually should be the one covering the payment. At the end of the day, I didn’t get my immunization shots that day even after jumping through all these hoops. I am completely disheartened and frustrated with UHC and their in comprehensive basic preventative options. I’ll be switching to my spouse’s plan immediately once they start their new job. After this upsetting experience for something so simple, I’m going to avoid United Healthcare at all costs.

I have been dealing with them for a few years now. They keep saying I am on Medicare and I am not. They send the claims to Medicare and of course they are denied because I am not on it. I have dealt with this over and over again on every single claim made. They give you the run around and tell you call Medicare. Their customer service is useless. They say they will look into it and don't. They never return calls. They hope you will give up and just pay the bill.

My friend lost most of her doctors in the middle of the year on Medicare. She can't change plans until open enrollment. Rake in money and don't care about the insured!!!! She has a lot of health issues and needs quite a few medications.

I did have a AARP supplement and personal health plan f. I had this plan since 2013. The cost was $346.53 each for me and my wife. I called Lim at United and was told that there is no gender difference in price. I cancelled untied health care and change over to blue cross. They gave me a price of $640. For me and the wife. Which includes a lower price. $329.82 and $286.34 for the wife. Called back United and ask for restalling my plan. She said $372.62 for me and $346.53 for the wife. They don't know what one person says with another.

I am 60+ and have had United Health Care since my early 20's. I have had good providers and not so good providers; however, UHC has been a constant and well-serving insurance company until a few years ago. I started noticing a decline in covered healthcare and prescriptions when the patient portal was introduced. The portal often showed inaccurate information regarding in-network providers. They would list providers accepting patients who in fact were not accepting new patients. They would list providers who had moved to other areas of the country and not update the listing. They would cover some physicians in a group practice but not others.

I have been with Uhc for years. They have been eh, then terrible, then after a fight, they finally agree to treat my issue. I have Chiari and have had one brain surgery. I need an additional surgery to address spacing issues at the cerebellum. I'm working with one of the most esteemed specialist on the planet. I'm scheduled for surgery in three weeks. And United healthcare and their infinite wisdom has deemed my procedure medically unnecessary. I live in horrific pain every day. My case is in the appeals process, but their so-called expert is an orthopedic MD. This is not an orthopedic issue. This is a central nervous system issue.. They can say they know more than my doctor is so insane. I'm going to have to go legal. This practice of denying coverage because it might be expensive is common place at UnitedHealthcare. They truly give craps about the members. They care about their bottom line.

I would rate the highest as this company has a lot of good things going with one major problem: I am a cancer patient and I wait much too long for them to approve cancer treatments. I called them on this. I was explained the wait time and they are way outside of the guidelines and time constraints that they themselves have set. When you have cancerous tumors growing inside of you, you shouldn’t have to wait weeks to months with this before them approving your treatment. This takes away from the good things they offer. I would suggest going with another provider; unless you care to die while you are waiting for them to do their job. For any attorneys wanting to represent me in lawsuit for this; I have a case for you, as my tumors grew the last time I waited.

My family and I has been covered by United Healthcare for years now. We’ve never experienced any issues until recently. All of a sudden, our prescriptions are being denied for coverage due to a pre authorization approval being needed from the doctor in order to be covered. That’s an huge inconvenience because the process could take up to 72 hours. United Healthcare just lost us clients. I just changed my family’s and I healthcare plan.

I’ve been on an Advantage plan due to disability. The UHC advantage was decent a few years ago but each year stripped away services and benefits while increasing patient responsibility. I received change notification for my plan 2025. Ridiculous and shameful!! Eliminated all dental comprehensive care. Reduced vision by half. Increased max out-of-pocket by $850. Added a new $420 deductible for RX while increasing costs of RX’s. I have expected some changes but this was slash and burn in all categories. Too many and way too much. I’ll be changing providers. Any suggestions for advantage plans in OH would be greatly appreciated.

I am a provider with a new practice and have decided NOT to accept UHC insurance and you should too. No one knows anything, and for behavioral health you have to deal with Optum/Provider Express and I promise you, you don't want to deal with them. They have no supervisors available, they cannot answer questions, you will be transferred and ran in circles and still won't get your questions answered. If they are this stressful starting my business, I can only imagine the headache getting paid. NO THANKS.

Hard not to just laugh at this point. The perfect encapsulation of American Healthcare. I have been on the same medication for 6 years and was randomly denied and required prior authorization one day. No attempt to inform me, no attempt to contact my PCP. Ended up connecting my PCP with my insurance to resolve this a week ago. Once submitted the PA was of course denied. This is a medication that impacts my everyday performance at my job and just in life, but they want me to try 5 other medications because they are slightly cheaper. Maybe after 20 days unmedicated I will have more patience for them, until then, will be switching to a new insurance provider immediately.

Hate that our company switched. Many many reasons. The most simple is they don't do 3 month refills. Have to refill monthly and pay for prescriptions. My co pay has increased and when you call to talk with someone it takes hours to get through. Big step down from Blue Cross PPO to UNC PPO.

United Health Care operates much like a scam. They do everything they can to avoid paying their bills. My company hired them and 100% of things like physicals and other preventative care are supposed to be paid automatically. However, these scam artists are probably billing many customers out of their money by non-payment with the stupid claim that you MIGHT have other insurance. I'm sure some customers see the refused payment and think whatever is left is for them to pay. ACA might be better. Avoid UHC/UMR like the plague. Their customer service is also useless and slow to act.

Well I came to United Health Care for the one I had it was useless to attempt to call and get assistance... Must admit it starts good but soon the same thing I wanting to avoid came promente and clear. No use to contact them if they refuse to have productive useful communication. Gets tiresome and useless after so many attempt. Superior and special services manager truly pathetic included .. So tired of lame health care insurance provider just playing with your health and wellness or worse with the no lackadaisical attitude and run game countless times. Told the same thing yet said tried them all.

Absolutely the worst possible choice for Healthcare. I've been on hold over 8 hours this week attempting to resolve this issue. I have been on the same medication over 4 years and stable. Arbitrary decision to deny my medication without any consideration of my health. Fighting an appeal trying to get Peer to Peer review. Total lack of accountability from Customer Service and lack of understanding internal processes. Utterly disappointed and so frustrated. You cannot even advocate for yourself.

If I could leave no stars I would, tried accessing my online account. Couldn't, tried calling tech support and after 25 minutes of answering her questions was told I had failed the security questions. Tried a different department trying to get the phone number of a teledoc. The lady said she would send a list to my personal email. In her defense she did.... A list of clinics that do not support a teledoc. To summarize. A complete waste of time. Terrible service although one lady was polite, apart from her just a terrible company around.

Terrible, please if you have the option choose a different company. For my family of four we are paying $1600/month, with a $5000 deductible. When I submit claims they get denied, extremely unaffordable. Customer service dodges questions, tells me I chose the plan when this is all they have offered. I am submitting complaints and writing congress about this company as it seems almost like a scam. The CEO is worth 1.5 million, he is making money off of the public who are desperate for healthcare for their families.

Not a complaint about the company itself but their UCard. Someone was able to access my account and use over $114 at a Walmart in Georgia.They refuse to reimburse the funds. My card never left my possession. Transaction took place in Georgia, I'm in Maryland. Their lack of security leads to my loss of funds.

Switch insurance if you can. Confusing as to providers in network. Arbitrary decisions as to primary and secondary coverage. Refusal of claims that should be covered. EOBs lack detail. Customer service not responsive and it is not surprising when they hang up on you.

Finding a doctor is a nightmare with United Healthcare. Few providers want to work with them, it must mean they are an incompetent company. Their website is worthless. The doctors listed in network are remotely conveniently located near me geographically and I live in a big city. Then when you call the doctors they either aren't taking new patients at all even though UHC's website said they were or the appointment is for a year out. If you have a choice choose a competent insurer, NOT UnitedHealthCare.

The worst experience I had so far. I have to pay 40$ per child co pay for flu shot so you will be the judge. Besides it doesn't cover anything and instead of offering at least some kind of help they will send you a list of your benefits! As if it will help me to get treatment. I had never had worse experience for the past 20 years. The worst, terrible insurance.

THE WORST INSURANCE COMPANY I HAVE EVER BEEN WITH. I continuously get bills of denial and I have not even been insured with them for a year!!! I am seriously so sick of this insurance company. I will never recommend them to anyone.

The provider is shown in my UHC PPO network on UHC patient portal and the customer services rep still warns me to confirm with the doctor office! She wanted me to call the dr office which in turn asked me to call UHC. UHC reps are untrained and put the responsibility on the patients. I was back and forth with both dr office and UHC! It's a circus!!!!

The customer service is horrible. They are not professional at all. They denied a claim of mine and they left me a voicemail. I don't want these people calling my house. They are awful people and definitely a poor excuse for a human being. They give you the runaround and they lie through their teeth. This is the Worst Insurance Company ever! If you all are looking for a Medicare Advantage don't go to them! They are fake and phony people!

UHC refused many of the tests that my provider recommended. These decisions are made by nonmedical professionals. I have recently signed up for my VA medical and everything they refused in the past was approved by the VA. In the process, there were many conditions diagnosed that with UHC would have remained undiagnosed. Since I began with the VA my quality of life has improved dramatically. Me or my family will ever take a plan with UHC ever again.

United Health Care has what they called tier one and tier 2 on the back of the card but when signing up, it’s never explained that you’re limited to doctors only in their network and now no longer. Can you go to out of network doctors? It’s very difficult to get a medical doctor that’s in their system and it’s not an updated system. I even looked up one doctor and he actually already retired a while back. Eye Doctor refer me to another pain specialist in the same building on the same fifth floor and they’re not part of United healthcare tier one but when my wife had signed up for Insurance last fall there was no clear thing.

Horrible company that will do everything in their power to not pay providers who service their members! We refuse to treat anyone with United Healthcare and United Healthcare Medicare Advantage plans because they came back a year after we treated 2 of their patients and unrightfully took back over $4000 from our small business! They have their own inside auditing department that they call Optum Recovery. They give the Optum Recovery employees bonuses for taking hard earned money back from providers. Gary **, one of their employees is the most horrible person who will laugh as he tells you he is taking money back from you.

Clean office, but very unorganized. They call you in on one side and check you in then send you back out to waiting area. It takes almost an hour to talk to someone. When calling in the doctors take their sweet time to fill out forms (mine took them over a month).

I had a billing error and called. My husband stayed on the line two hours and forty five minutes. Talked to 13 different people. Although they were polite, they were totally not able to complete what needed to be done to solve our issues. A member should not be on a 2 hour phone call with their insurance. This is outrageous, to say the least.

I am insured with UHC through my employer. Doctors in my area are now not accepting UHC due to them being difficult to deal with. This has happened to me with multiple doctors. Funny I don’t hear about this with any other provider. I recently received a letter from a major university hospital in my state that as of November 1, if they do not agree on a contract, they will no longer accept UHC. I am currently going through cancer treatments at this hospital. I spoke with someone at UHC and was told they are sorry for my concerns. That does nothing to help my situation. The additional stress dealing with this on top of an already stressful situation is unbearable. They are the absolute worst.

United Healthcare is absolutely the worst customer service I have ever experienced. I have to fight every single year for months (something that should take 2 days) to get the medication I need in order to eat food. In the past my medication was approved and now I have to jump through hoops to get it. No one calls me back - I leave a message every single day. They always blame the doctor's office - I even switched doctor offices and it is the same excuses -- the problem is United Health Care - no one else.

I had United Health Care 14 years ago through my company and loved it, now I can't even get through to speak with an agent. I don't understand a word that they are saying & then with their "it's not my problem" smug attitude, merely transfer my call down the row of departments until I get so fed up that I have to hang up. I can't sign up on the portal because of a problem on their side. I am canceling this insurance tomorrow, as soon as I get to work.

One of the worst customer service experience ever. Every time I call I get passed to agent in Latin America or Philippines and first I cannot understand their English but also they provide all the wrong information around your benefits. At one case they mentioned I am fully covered and specialist doesn't need referral as it is in the system and then I get billed for it -Their claim processing support is also horrible. One of the worst example of how to ruin your reputation by outsourcing your customer service. Avoid this company at all cost-Move to BCBS or Anthem.

I have no access to my EOBs or account information because of a computer glitch associated with my account. UHC tells me the soonest it could be addressed is 30-60 days because they are going through a computer upgrade which takes precedence. Their representatives are friendly but aren't helpful in resolving the issue at all. Asked to expedite the issue with UHC management but they never call you after being told they would. This computer glitch in my opinion is substantial. It seems in violation of HIPPA because I could seem claims tied to another account holder with a similar name before they removed my access. It also seems to be in violation of EDP audits and regulations surrounding access to customer account information.

I pay $700 a month for coverage for myself and 2 children. The deductible is 10,000 dollars. I have paid and paid and paid and paid and now that I need serious treatment from my oncologist, I'm looking at $2,7000. UHC won't cover any portion because this absolutely insane deductible STILL hasn't been met. They argue they meet FL minimum value standards so my options are to cancel insurance and become self pay or pay full cost for a marketplace plan that is just as expensive with better coverage. However I am ineligible because of this better off dead plan. Choose any other company over UHC or Sunshine.

Most difficult company to get care through. Their primary care network is very small because very few primary care doctors accept this insurance. The primary care doctor they assigned me to was not close by and was also just beginning her practice and no one in office was trained how to process referrals correctly. Therefore I would spend weeks on end trying to call and get referrals processed. Just a nightmare.

This insurance provider is one of the worst I've ever experienced. I currently have an individual Medical plan with UHC in the state of GA and they have denied every single claim from my chiropractor since my plan started. After discussing this with multiple representatives they've determined it's an error on their end and UHC had to escalate the issue for review which I was told would take 45 business days. That time is exceeded already with no resolution.

This week I tried to schedule an appointment at CVS for the new Covid vaccine. I have health insurance, Medicare Advantage through United Health Care, including prescription drug coverage. I was surprised to learn that my prescription drug coverage no longer covers Covid vaccinations! I was told that the pandemic is over so you are now on your own. This will cause unnecessary illness and likely death. I have to wonder what's next, no coverage for flu, shingles, RSV, and more.

We are with a small group with UHC. Obvious errors are not corrected until you call several times. They are very very difficult to deal with all the time. There are some really nice and helpful employees there but not enough like Susan. Truth.

I truly want to give a zero star, I got this insurance from my company Cisco and I paid $500 biweekly to cover my family and now I had a treatment and filed for reimbursement claims for out of network service after meeting all my deductible, in the plan it’s stated I will be covered 70% and it’s been five months I keep calling about the claim and they send me to different representatives and now they tell me it’s with billing and it’s two months with billing and I am still waiting. Do you know the cost of this wait to me? Do you know I needed the money to go for a surgery? I am so disappointed in this company. My name is Yvonne **, check in your system and see how many times I called and asked for this to be escalated, it’s been five months. I give up.

I fell for their “managed care” model when I first became eligible for Medicare. I have severe osteoarthritis & have not been able to get adequate treatment so I’ve been living in pain with loss of mobility every day. Visit summaries do not accurately reflect what took place during appt. Scripts not called in. Now I can not even get an appt. When I call, they tell me that “someone will call you back”. Of course no one ever does. Ridiculous waste of time and lack of care for their patients.

The worse customer service EVER!!!! She sounded like she never answered a phone call in her life!! She said there was no supervisor there that I could speak to, but one would get back to me in an hour and a half? Make sense of that? Had questions about my deductible, I was on the phone for 1 hour and 43 minutes!! NOTHING GOT RESOLVED, If I could give a negative 0000 I would. Horrible, horrible, horrible!!

I manage a dental office and called United Health Care to have 4 claims reprocessed. I called UHC and the rep told me I can not open another ticket until my first one is closed in 30 days. When I asked to have phone call "escalated" the rep told me she could not, given the nature of this call.? I asked her again to escalate my call. I am not waiting 30 days to have one claim at a time reprocessed for the same patient and tracking them. She then pretended to not be there. She would not answer me and this went on for a few minutes. I let her know I will be hanging up and calling back to report this behavior. I am so disappointed in the way insurance companies conduct business and train their employees. It is unacceptable. I would never pretend to not hear a patients and or help them with an issue, let alone hang up on them. This work ethic is sad and too common.

UHC denied my elderly, obese mother's appeal to stay at a rehabilitation hospital after she fell down the stairs and broke her foot and ankle. It was a terrible break, and she hasn't recovered from this traumatic incident. UHC lied to me, telling me it was the facility that denied the appeal. I am currently trying to take care of my mother on my own at my house, I can barely help her and she now has a UTI. I don't know what to do. UHC should be ashamed, and I hope no one has to go through the nightmare I have had to go through. Beware!