UnitedHealthCare Reviews

UHC erroneously flagged my account and has refused to pay my medical bills since February 2024. It has caused terrible problems with my Pain Management group in Bethesda Maryland and they not only forced me to pay $1,900 out of pocket but they refused to make additional appointments. I have been on long term disability since 2008 with terrible chronic pain and fatigue due to several autoimmune illnesses. Cervical and lumbar oblations and epidurals have been the only effective means aside from medication to reduce this pain in order to get out of bed each day. Thus, these surgical treatments are extremely overdue only due to the incompetence of UHC’s personnel.

They suddenly stopped helping pay for my thyroid maintenance medication. Can’t even get a PA. No warning & it was just about the only thing they covered besides a physical and mammogram. I met my deductible this year & my HSA is depleted. They pay nothing. I have this only for catastrophic hospitalization. They’re horrible!! The worst I’ve ever had. $193 for 3 months of a med I need for life.

Very difficult to get into any good doctors with this insurance. Good doctors don't accept this insurance for a reason; UHC is a nightmare to work with, cutthroat. UHC makes it very difficult even for a user to make a claim on their website. You have to verify your email address every time you make a claim. "Why" you may ask? For absolutely no reason. They already know your email address. The reason they do it is so their automated system can take an unreasonably long time to give you the confirmation code. By the time you get it, 30 minutes after you click the button, you've logged out of MYUHC.com and have to start the process over. They make it almost impossible for you to file your own claims. That's pretty much a good indicator of how they do all of their business.

Since our entire family is with United Healthcare when they decide to start denying claims, out while family and many friends start getting the letters in the mail. It's Aug 2024 and don't be surprised if you get a strange letter saying something may not have been covered from yrs back and an event number and say call. That someone else may have to pay this bill. They are a very good insurance company at first, but just wait. You'll see.

Trying to process a claim is the worst. Trying to actually find an in network provider is impossible. Don't expect to get reimbursed in this century if ever. They make it so difficult. I do not recommend this insurance to anyone.

Have this AARP United health care about 10 years . Basically if you have HMO plan truly there is nothing as healthy care!! Any time I decided to change to new provider they do not accept new patients even is in their own list!!! In other words there is only one that you select You get stuck forever. The lab that they have contract with is Quest which they have a so much issues with this lab. So so ready to change this health plan. Can only give them one star. Is too good for them. Their specialist that you refer to I end up calling 3 weeks everyday to find out they forgot what they need to do for me!!!!

I would definitely consider being insured by UHC as very last option. It's very difficult to get a positive authorization on any medication prescribed to you. The insurance itself is outrageous, with very expensive co pays and the deductible is through the roof. If I could give them a negative 10 stars I would..

This review doesn't matter because the government is too weak to control these godforsaken insurance companies with no moral compass. It's a disgrace. But yeah, UHC lied to me, stole from me, and jerked me around for almost a year before passing me off to their minions at Naviguard to finally cut the cord and tell me I had no recourse and to stop trying. The CEO of UHC made $23M last year and they can't work with me to support an $800 out of pocket expense that negatively impacts my family financially. You should be ashamed.

The worst health care provider period. We’re trying to get our company to switch from them and I think it’s gonna happen, we can only pray they look elsewhere. They do shady stuff all the time to get you irritated in hopes you don’t go to the doctor. They make your experience miserable when dealing with anything that has to do with a surgery. For instance, I was hurting in my knee and could barely walk. Went to the doctor and he referred me to a specialist. It took them TWO MONTHS for the insurance company to approve to have it scope. I was in level 10 pain for those 2 months. I had it scoped and I had a severe torn meniscus. After surgery it was later found I had a broken bone in my knee that looked like a toothpick and a ACL that was healing wrong. This healthcare provider was trying to save money that they let a PAYING CUSTOMER GO IN PAIN FOR 2 MONTHS. I was out of work for THREE MONTHS…was only getting paid $333 a week, to pay my bills.

I have paid on a small indemnity plan that pays normally $68 a day for hospital inpatient stays. I have only had to have a statement with hospital information and inpatient days of admitting and discharge. Now they change their requirements each time I call and refuse to pay my claim without a summary of hospital room charges which was never required before. My hospital was hacked and 3 months later don’t have any room charges for me to receive. They have not filed my insurance so they have nothing either. I also canceled my auto pay on their account and they took the payment out and refuse to return it. I want nothing else to do with this company and wouldn’t recommend it to anyone. I’m 80 years old and have paid into this for over 20 years.

I tried canceling once I had found out they do not pay for anything. They told me I could cancel as long as I moved. A Few months later I had informed them of my move and they proceed to tell me it had to be out of the country otherwise I could not cancel, which I hadn't been told beforehand. They told me I had to stay with their insurance for a full year until I could cancel. Now I owe over 1,500. They paid 60 dollars of my bill for recent blood work and tests. Not only are they refusing to let me cancel, and not paying for anything (or paying as little as they can), the customer service representatives run you in circles. They are not fully transparent, nor are they kind in any way.

My husband has this insurance through his employer. We are over 50 and never in our lives have had worse insurance. I literally just got denied for a surgery needed for pain and swelling of my leg. My doctor even did an appeal and the only thing they had to say was “ask your provider to do a 2nd level appeal”. I have NEVER been refused a surgery by the insurance and I have had many with other insurance companies. We pay a lot for our insurance to not be able to use it when we need it. Would not even give it a one if I could. You need to do better United Healthcare or charge less for the crap coverage we get!!!!

On July 1, I placed an order for the $40 that we get and I ordered ** and then when I did not get it I contacted UnitedHealth, they contacted Amazon who was supposed to place the order and deliver it, said they were out of stock so I said, "Give me the money back and put it on my card so I can go and buy it at Safeway or King Soopers." They did not put the credit back onto my card. Every time I called UnitedHealth, they gave me the runaround. Now I called them today and they’re telling me that it has been past 30 days and since it’s past 30 days, there’s nothing they can do, this is very poor management on your part. Now I’m out of the $40 that I’m supposed to get on my card and I can’t get it again till October 1. They need to get their act together and take care of their customers. If I could give them less than a one star, I would.

When it comes to mental health coverage (therapy, neuro-psych testing, pediatric Occupational Therapy for ADHD), in the state of Washington, I couldn't be more disappointed with UHC. I spent weeks searching for in-network providers on my own and was told by a UHC representative that they did not cover neuro-psych testing in network and I would have to find an out of network provider. We paid close to $3000 out of pocket to have my kids rested. When I submitted my out-of-network claim, only $1100 was applied to my deductible because it's what I would have been allowed had I went with an in-network provider. I told the claims rep I was told there were no in-network providers as it wasn't a covered benefit.

If you have MEDICAID PLEASE LISTEN! I know it's a frustrating process. But, out of anyone. United Health Care has been the biggest asset in getting my health care taken care of. If you are serious about your health find your Health care Representative for your area with united health, work with them with the goals you have in mind. Have a good Primary Physician who can handle referrals because that's all it is with MMA or community plans. Referral first, then appointment. My Navigator Jaimeika ** has been NOTHING BUT HELPFUL! She deserves the highest raise possible. But it is luck of the draw with who you are connected with, best of luck to you all!

This company will put you in months of paperwork in hopes you die so they don't have to pay for you anymore. Customer service is a joke. I have only talked with one person that even tried to help me. The rest of the people read from prompters and can not think for themselves. Most unhelpful, most expensive health care out there. Better of traveling to Mexico and taking your chances there than dealing with this company. I only hope my life insurance will help my family because United Healthcare won't. It is heartbreaking knowing that I will die and leave my wife and 2 daughters to fend for themselves because of the greed of this insurance company.

The service is good and the coverage is quite decent compared to other medical insurance. I liked that it included dental and eye insurance. However, they are thieves and liars. First, you try to communicate with them and they only move you from department to department, they promise to fix your problem and they never communicate with you. To make matters worse and this is really one of the few reasons for my bad review, I paid for a full year of insurance, and at the last minute, they told me that they changed their policy and they stole 20 days from my medical insurance plan. I've been locked up at home for 20 days (my only vacation days!) because I didn't have insurance until the other one I bought started.

Because of my many medical issues they assigned me someone to help me manage things. I needed help in finding specialist in my area. All the ones I had are 30 min to an hour away. This person provided a list to me but in the same areas I asked not to. I tried calling this person who NEVER picks up and in turn leaving a message that I needed Drs in my area. No call back just another list in the mail two weeks later with exact drs in the first. I could go on and on about stuff but they are wasting my time and theirs, wasting money as well. Let's not even get into the whole referral approval system cause that is another disastrous procedure they have managed to screw up.

Updated on 12/05/2024: I've had UHC since 2008. All was good for a while, and in the past 2 or 3 years I don't recognize them. They show unbridled scorn for their customers. Last year I moved and there was an error in my address and I was dumped off their rolls without notice. They say they sent letters with no response, but they have my email and phone which go with me. I just replaced them with a better plan at half the cost. They love to take your money and not pay out as they are required. Nothing but greed and arrogance.

Had United for a year. Some months wouldn't even process my money, even though I have been on autopay, using the same credit card I've had for two years. Proceeded to incessantly harass me. Checked recently and they canceled my plan...I guess. Only have dental and vision now. All those months I paid to get two free shots. What an investment.

8/5/2024 --United Health cares absolutely NOTHING about its clients!! I've asked and asked and asked for a list of dentists in the Sacramento Ca area. The last person I called on 7/2/24. Spoke w Mark requesting a paper list of dentist in the Sacramento Ca area. Mark said they sent out a paper list of dentist. Today 8/5/24, over a month later, no list has been received. Called AGAIN today, spoke w Vieca, a female, who said none has been sent out. Also made a formal complaint that I was told just goes in my file....nothing is done about it. And supposedly, a list will be sent to me by regular paper mail through United Postal Service!! Therefore, I'm to wait over another month for the list to be sent in US Postal Service paper mail.

They deny covered and medically necessary treatment based upon erroneous codes only they know, leaving the insured without ZERO treatment options for their illness. If you want to die in pain, this is the carrier for you.

OMG! Their verification process is redundant, intrusive and outdated. I cannot believe these people are operating at a startup level, like they have no experience. I’m using the app to which I cannot login in due to me changing my number. So I call the number that the app directed me to. It transfers me to customer service instead. I go through the verification process with the automated machine. A lady from customer service answers and asks more questions then “thanks me” for being fully verified with the system. All I’m trying to do is change my phone number. She tells me that she’s going to have to transfer me to tech support. WHHHHY!???

This review is for United Healthcare OBT, it sucks, long story short. They give you more money to spend but the products are never in stock, I have had UHC OBT for years now, only 1 time was able to complete a complete order... $220 to spend on nothing lol....

The Company I work for has this pointless insurance. We go to the doc and her nasal passage is 100% blocked by none cancer growths. We are given prescriptions to help but next scan it’s the opposite they are worried for how close to the brain and eye socket it is getting. A week before the surgery we get a letter saying that United Medical is not going to cover it because they don’t see it as necessary. There is a little a whole lot more but that is the one that truly crosses the line. I work for Tractor Supply and will do everything I can to get my employer and everyone I know away from this company.

Customer service is untrained and frequently gives incorrect information. UHC’s very expensive plans provide extremely limited coverage. A 7 day supply of antibiotics is frequently not covered. They say there is no deductible, but the fine print says otherwise. Rx fills have been delayed and most times are cheaper using GoodRx, which has a premium that is approximately 10% of the UHC premium.

This year 2024 we renewed our United Healthcare plan as we have for several years. Little did we know that it was now United UMR plan. My husband pays for the most expensive coverage as he has diabetes. What we have received for this plan is a joke. Medication that both of us take, and have been covered in the past, they will no longer cover. We are inundated with medical bills now for visits and Medication that, in the past, were always covered. Add to that the fact that we are still paying for the most expensive package. They do not return calls so it is useless to contact them. I would warn anyone about choosing this Healthcare. It has all become about making them money.

Dog crap company.. They cover the doctors visits but take your rides away. They do this to indirectly deny services. Pretty slick. Do not use this company. They will screw you over. I now am forced to get another carrier.

I have AARP/Medicare Advantage through United Healthcare and this is THE WORST insurance company. If you are Medicare, do yourself a favor and choose another insurance company. You’re probably better off doing a supplemental insurance with Medicare parts A and B. I hope this review saves you unnecessary stress. First, UHC pays nearly nothing for PT. Also, it’s like pulling teeth to get them to give you approval for an additional six sessions. My PT is dropping UHC because of this, and because they pay almost nothing for their expert services. And dental? Forget about it. Their customer service is based in Philippines and they DON’T CARE about you. They lie, put you on hold for 20 minutes while saying they are looking for a supervisor, then never come back on the line and you finally hang up after holding for 20 mins and call back, only to find that the previous CSR hadn’t even taken notes.

This company doesn't care about their clients. Was hung up 2x and placed on 2 almost 10 minute holds all for calling about my benefits coverage, which I am authorized to ask about. They treated me like trash but wants a payment every month. Justice is coming!!!!

If I could give zero stars I would. I’ve had UHC for years and they were really great on the beginning, it started to go downhill in 2023-24. Several of my medications that were once covered aren’t anymore, they just denied my baby’s medication! My newborn needed ** and they didn’t cover it at all! I’m livid!

Dealing with UHC and trying to get them to pay my claims has been extremely exhausting now that I hit my out of pocket max. They make it difficult to reach someone and put you on hour long holds, disconnect you instead of picking up the line, lie, change EOBs and basically hang their members out to dry! Even the grievance process is questionable.

Bad faith insurance. I have been dealing with back issues that started in January and have been playing insurance games since. Unfortunately, my insurance switched in June to UHC. I was hopeful the switch would be positive but here we are. Need a major surgery and UHC has made it clear they don’t care. The waiting game continues and don’t know what to do.

If this is the state of health care in the U.S., we are in bad shape. Last week, following a positive Covid home test, I contacted United Health Care nurse hotline with a few questions. The nurse I spoke to was very nice, explained well, but then proceeded to give me the outdated (as of March, 2024) protocol for what I needed to do following a positive test, including stating that I had to have several negative Covid tests prior to return to normalcy. Having just read the CDC guidelines I knew she was incorrect, and advised her that it was not what I had just read. She adamantly disagreed.

United Health Care I've been with them for 5 years. For the first time I had to get in contact with my case manager. I was on the phone for over 3 hours with United healthcare and I got nothing but the runaround. Cannot even tell me who my caseworker is. I have no way of getting a hold of them and they were canceling my policy unless I contact her but there was no way to contact her. I was on the phone for over 3 hours trying to get a hold of her so I called another insurance agent and got a lot better deal than what I got now and I get to keep all my doctors.

Don't get this insurance. It is the worse ever, I need to see a doctor but because providers in my area are taking 4 to 6 weeks to onboard patients, I need to go to the ER and pay thousands of dollars for something simple.

The worst insurance I’ve ever had the misfortune of dealing with. Every single thing is an issue with them I have to call them back constantly to get information because they refuse to just do it right the first time or god forbid communicate what’s going on. It’s been not only frustrating for me but for my therapist and dentist offices as well trying to get a straight answer from them and constantly having to do conference calls with them because none of the customer service reps know what they’re talking about. Customer service is a nightmare. We had to read to them a letter THEY sent about switching my provider because they didn’t change it when originally asked and we spent half an hour on a conference call with them figuring out why they were having such a hard time doing the *one* thing they were asked to do in the 5 times I called them previously. Switching back to Kaiser as soon as I possibly can.

First of all, I could NOT understand 2 out of 3 customer service representatives I called yesterday because of the thick accents. One had loud background noise like kids and pets so he kept repeating what I said like he didn't understand what I kept telling him. The 2nd guy kept arguing with me when I asked for a supervisor and never put me through to one. I hung up on him. Number 3 was finally going to put me through. By then, I had a headache.

Worst insurance coverage of my lifetime. I am 66 yrs old with Bradycardia, and the Cardiologist says I need a pacemaker. The Ins company denied the claim. Then my heart health got worse and the cardiologist wanted to do a heart cath. This insurance denied that claim. The insurance doctor says my sleep apnea is the cause for my heart health even after we documented that my sleep apnea is corrected with a cpap. The insurance doctor keeps having me have more mediocre test run trying to prove the sleep apnea is the problem. It seems as though the insurance company is doing everything they can to deny my claim. This is very very poor insurance coverage. My health and family livelihood is being compromised by some insurance company doctor whose prime motive is to save the insurance company money and to put a feather in his hat.

I have had no problem with the health side but billing and accounting is terrible. How would you as a senior like getting a bill for 1,000? You sent the payment in. It was $2 short so they negated the whole thing. Said it was sent back to your account but you can’t find it. Now to keep my insurance there is no vacation right now.

I have to say without a doubt United Healthcare is the worst insurance. They have gone from having your back to greedy, corrupt, and price gouging their customers instead of covering the important things you need when you need them which is why you choose their insurance company in the first place. I'm Disabled and on Social Security Disability and Have a Autoimmune Neuromuscular Disease and Spinal issues and need an important CT done and instead of covering it like an insurance is supposed to do they wanted to profit off Me instead of the tune of $250 which mind you I barely make enough to survive which includes barely keeping a roof over My head and they have gotten greedy and look to profit off Me with what little money I have left instead of doing what we get insurance in the first place to protect us. Tsk tsk.

Horrific. Got stuck with the them unknowingly because I signed up with an insurance agent named Jonathan **. Thought I was getting United healthcare and somehow it was a policy underwritten by Freedom Life - I made two claims. The company didn’t cover a penny, $1000 wasted. DO NOT ENROLL WITH THIS SHAM INSURANCE COMPANY THEY DON'T COVER ANYTHING

Dropped the hospital closest to me, NEGA, now I’m expected to drive an hour away for healthcare. I pay way too much in medical bills (more than they cover) to deal with that. Worst healthcare provider I’ve ever had. They only care about the $$$

I had this plan for 7 months. I was not able to see a doctor one time that wasn't in the emergency room of a hospital. Not one of the doctors that were listed actually were in network. I desperately needed to see a doctor. I went into hypertensive crisis twice. Customer service have me names of out of network doctors too. Then they didn't cover the blood pressure left I was given in the hospital. The reason... I need to see a primary doctor and try other medications first...

I spend time between Florida and Wisconsin and so my Medicare Advantage plan is a national plan. While I’m a Florida resident, I consistently get billed by UHC when seeing a doctor in Wisconsin as an out of network doctors, even though they are in their network. Then it takes me a lot of time and energy to have them correct it. The hoops I have to go through because of ineptness! Looks like I’ll be going back to Humana where I didn’t have that problem.

My member ID is ** (Not giving my full ID online for security purpose, but hopefully someone at UHC sees this. More specific Governor Phil Murphy to defund UHC as an HMO in NJ), I'm saying this because by the end of this month I'm cutting UHC for good. 5/11/24 I got an X-ray and a order for 3 root canals to be done by a professional registered with the State of New Jersey Board of Dentistry. UHC didn't cover any of them. I managed to get 2 done but they refused to pay my dentist and made up every reason in the book. "Lack of Narrative", "Missing Aftercare Details", and "Poor Prognosis". About to file a lawsuit against them. UHC for 2 months allowed my teeth to get infected spreading to my right ear and right side of my brain. I've been stuttering my speech and thought a lot since waiting all this time. I struggled so much I couldn't go to work multiple days and lost pay.

(1) They don't compute claims correctly. This policy has a $3,000 out of pocket maximum. So far I have paid $5320.67 out of pocket. In fact on my home page it says Out-of-Pocket Maximum $5,320.67 spent / $3,000 total.

I spent from 7:30AM to 10 AM to register on the website of United Health. Transferred 3 times. Now they say my Username is compromised and my email. Either I get a NEW EMAIL or I’m OUT. I can’t register. Talking about incompetence. They get 5 stars of INCOMPETENCE, UNQUALIFIED AND THEY INDULGE ON AND TRY TO GIVE EXCUSES.

I have been trying for two years to get the mental health care I desperately need through United Health Care and Optum, but they have made it impossible. I've called numerous doctors listed as preferred physicians and therapists, only to hear:

Very horrible experience with UHC, customer care is so pathetic.. Every time a new person is available and they don't track properly and I need to reiterate, for 1 of my claim because of UHC customer care my claim was sent to collections even after 15-20 times follow up. This 1 yr old claim is still not processed and I gave up on UHC and had to pay $600 out of my pocket. God save all of us from this corrupt health care provider. Our hard earned money is flowing to others pocket. Will approach my lawyer to look into this now.

Incompetent at best. These people don't know what they are doing. You have to try to be as bad as these people are at their job. They accidentally deleted my plan due to a new employee's error back in May. I still haven't got it turned back on, and yet they blame everyone but themselves. Very poor customer support.

I wished I had did my research a little more thorough. They offer you some perks before your policy is supposed to start but if you don't activate your ID card in time they pretend as if those perks never existed because your policy had not started and this is exactly what they had done so now they get to keep that little perk that they offer because he didn't send resend my ID card in time for me to use the perk and I'm like everybody else if I could give them a zero review I would.

I would not recommend it. This insurance state or private they have the worst customer service in the planet. I have been a week with a broken toe and there is no one around to be able to fill your prescription.

If I could give them 0 stars I would. They have been the worst healthcare insurance company I have ever had. Continuously deny claims and appeals. Coverage is a joke. You think you pay for your appointment at the time of service but I get bills for things they did not cover. If I could cancel, I would.

I'm on the fence with United health insurance. I spoke with a receptionist on 7/11/24 7 pm. I asked for a list of different dme companies and she wanted to ask me about my annual visit I misunderstood and she said, "Oh you don't want the rewards," never saying anything about rewards. I said I had been to my Dr in June 2024. She checked and in a irritated manner, "You got your rewards in March." I was confused. How can I get the reward 3 months before I go to my wellness check up. She wanted to waste time on a subject and I had a hard time understanding her accent. I asked for an advocate to assist me in a big issue. A bed was brought over by Apria medical supplies and it was too high off ground and the rails were loose wobbly. I can stand and get into bed independently but independently but I fell as bed too high. I'm 5'11". I need an advocate. United I may have to change if this keeps up

Worse customer service. Always get a rep from philippines or latin america and these guys have no clue about benefits and claims details. Every call takes 2 hours to even make them understand and in addition never gets resolved.

They are a huge scam. They cover less than 50% of anything, and what you have to pay doesn't even count towards the ridiculous deductible. They will still deny claims and then require you to undertake a lengthy appeal process. You legitimately have to fill out a formal letter and mail it. I would not be surprised if such a letter were to get "lost". I am counting down the days until I can switch.

All United Health Care cares about is profits and providing the minimal care patients need to sustain life. If they can save a buck that is all they care about. I wish I could give negative stars. Worst experience ever!!!!

United Healthcare's customer service is about as bad as it could get. They offer no resolution and every single person who has picked up the phone, sounds like they are annoyed at you even calling. I blame my company for going with them this year. We had Cigna last year and they were amazing. Not even a contest.

The worst insurance service I've ever purchased. In-network hospitals cover very small amount and sometimes don't cover anything at all. I paid $1450 for insurance and then I got $700 bills for nothing!.

Horrendous dysfunctional and dishonest company. Split into departments that don't communicate, so God help you if you ever need customer service of any kind. They seem to have set their system up to make it nearly impossible to get any help. I've been lied to by so many of their agents that I started recording them when I called, and then I play it back to the next agent when I have to call again. Nothing ever changes though, and I think the customer service agents must have a directive to just tell people whatever will satisfy them, and then do nothing until eventually they just give up. Absolutely shameful.

UHC Contacts has the worst service of any contact lens company. They do not resolve any problems. First off, they cannot charge sales tax to the consumer in my state, yet they never responded to credit my account and after speaking to Gabriel twice it was impossible. After deciding to return the contacts and speaking with Jessica, the return label was never provided and she did not record the call. You cannot communicate in writing, so you have no idea why they are ignoring the customer until days pass and you have to call again. Almost a week later, and I'm still waiting for a return label. I would pay more and buy from a company with great reliable service and not a company that over charges and never responds.

This insurance in my opinion and experience with UHC had been the worst. The lack of correct information I received even when doing my due diligence by calling them so I have information on coverages was consistently WRONG. I have no confidence in this company and thankfully am moving to a more reputable and reliable insurance. I wished I would have read reviews before paying for this crappy service.

The only thing I expect out of a company that is my insurance agency is to be able to let me access my portal guide me through set up and or recovering my account if I have a different phone number. I have called emailed, chatted- At this point countless times over the last year to attempt to get my insurance agency to get me in so I can get my online insurance cards. I’m very grateful that it’s not easy to get in or gain access but I have all of the information that is pertinent to the situation. I’m definitely going to try to switch when open enrollment hits again.,. If you’re smart, you will not use not UnitedHealth

On the UHC website, It was clearly marked that I was paying UHC to take $626.56 on June 27, due by 07/01/2024. They took $1751.12 without permission,, they had permission to take the $625.56. Since June 27 I have been in contact with UHC everyday requesting the difference returned to me, they have yet not returned the difference. I have a snapshot of ●$626.56 on June 27, due by 07/01/2024. I requested to talk to a specialized team, not the escalation team, & a supervisor as well. I will be waiting for these 2 phone calls. How is it right to take what they wanted to take when it was clearly marked ●$626.56 on June 27, due by 07/01/2024. The escalation can't seem to answer that question! Shame on UHC!

This is supposed to be a supplement to help elderly and disabled. Lol, I'm elderly enough to see it's not that much of a benefit. I was on the phone for 4 hours today before anyone would tell me, they couldn't pay internet today. It's not an emergency issue. Ok if you don't consider it an issue. Why in the hell couldn't the first person I talked to not tell me that. Instead I wasted 4 hours on the phone with this crap company, that I could of been getting the money for the bill whatever other way possible!

United Health Care AND Humana use a 3rd party called Navihealth. They allow this company to make decisions on when a patient should be discharged whether they’re ready or not to leave hospital or a facility. Navihealth is a a tech-driven company that uses algorithms. I have had to file appeals for my mom every single week. She’s 94 with a crushed ankle & broken bones in her knee. They’re trying to boot her out of where she is. Don’t take my word… google Navihealth. UHC is horrible!!! I would advise to stay away from any company that uses 3rd party companies.

I have a supplemental plan with United Health Care. I went to a doctor's visit on February 19, 2014 and received injection in my wrist for Carpal Tunnel Syndrome. United Healthcare insists that I should submit my invoice for the prescription to my prescription drug carrier. I called the doctor's office and the 10.00 charge is for ** to deaden pain of shot. I called Medicare and they stated that my Medigap/Supplemental should pay the claim - especially since my deductible has been met. Yes, United Healthcare is a horrible, pain in the tush insurance company.

Hands down the WORST. Do not ever voluntarily get a policy with these people. I am filing a complaint with State of Illinois Dept of Insurance because of their inability and refusal to send documents, explain why the same prescription cost changes frequently, why claims aren't addressed, etc. Plan on a bare minimum of 40 min to an hour to get absolutely nothing accomplished. Also, they never informed members of any data breach - remember that? STAY AWAY!!!!

This company does not believe in preventive medicine especially not in safe ways to help customers lose weight. My doctor want to put me on ** to help me with my weight and even helps prevent heart disease and they do not cover it. I was told they do not cover any type of weight loss prevention. Shame on you!!!! Super disappointed!!!! I will make sure this is known in all platforms.

STOP.... Look for another carrier. For a Fortune 500 carrier you would expect better! If you like dealing with inefficiency, ZERO customer service and constant runaround then this is the Insurance Company for you! I was told and received on their letterhead a in NETWORK provider, then they turned around and denied claim stating provider was out of network. That is a BIG $1,300.00 mistake on UnitedHealthcare's behalf.... And guess who gets to pay it!!!! BEWARE

I’m a MA at TCAA and I had messed up on a Prior Auth putting in the wrong code. So I called to fix and my customer service rep Irene was absolutely wonderful! She wasn’t just helpful she was hilarious and just a kind person. Looking at most of the reviews they seem negative, but I just like to say that I’ve called 3 times over the month of June and every rep I’ve gotten has been pleasant, but she was the best! Nice, efficient, smart, and a good attitude. So I just want to give a shout out to IRENE! From Kate from Tri county! Thanks for the help today. You were the best!

Agree with others that zero starts needs to be an option. I pay a highly monthly premium to get very little covered in services, bringing into question if medical insurance is really an asset or just an extra major expense. I separated from my employer and tried to extend my coverage via the COBRA option; United Healthcare took 2.5 weeks to get me the enrollment paperwork and had the wrong effective date.

This one really needs an option for zero stars. UHC denied claim for my office visit to my in-network PCP. Denied follow up ultrasound diagnostics. My MD ordered a biopsy since it may be cancer and I’m sure they will deny that and any necessary treatment too. This is a feature, not a bug, of their corporate strategy.

The worst company ever! Stay away from it by all means. Very rude customer service. It's definitely disappointing when you're not treated with respect. It's never fun to deal with that kind of treatment. When it comes to service, I believe that kindness and respect should always be a top priority. Good customer service can make a huge difference in our overall experience.

Terrible company can not help you when you need a dr. But have no issues taking my payment every month. The app has been no help when it's constantly down. I'm stuck without a dr and having the worst time finding one.

This company and their employees are not knowledgeable AT ALL!! I've been working on getting a claim paid from December 8, 2023 and every time I speak to someone I get different information. I'm so frustrated with them bc I filed an appeal with the required info and I faxed to the number they provided and today someone tells me that number is incorrect. (I have a fax confirmation!) I will never recommend this insurance company to anyone!

I would give them a 0 if I could. While most of the people I've spoken with are nice, the healthcare as a whole is not good. They fight you on everything, lie to you on information your doctors send over for them to cover, try to bill you for places you never have gone to, and just overall super slow even when it is a medical emergency. Wouldn't recommend getting United unless you absolutely have no other option.

Have Uhc Aarp Medicare complete ppo. Under this plan, I have been treated horribly by endocrinologists and dentists. Cannot get adequate treatment. Uhc does very little to rectify the situation. It's a take it or leave it situation.

Bad experience. Totally disappointed in United, for 1 month we have been waiting for the approval of some intravenous iron injections and they tell you lies, that there are missing documents, the Dr.'s nurse spoke with them and they are missing nothing, finally I called and they say that there is no order. I mean it disappeared? The order was urgent and they don't care, the insulin co-payment doubled from one month to the next, if you don't have to pay that amount monthly your diabetes ends with you, I mean you need to have money to pay the monthly insurance plus the high co-payments of the medicines, we need to look for another insurance.

Very terrible coverage! Almost no clinic accepts it which is ridiculous! They charge us $61.88 per Month and for what??? Just to take our money obviously! Just a couple of months ago, we called a particular clinic and they set up an appointment for us and told us that they do accept our insurance, we get a call a week later with them telling us that they don't accept our insurance so we would have to pay out of pocket! So basically they lied to us. I think my husband and I should look elsewhere.

I just spent over an hour on the phone with the customer service organization for United healthcare. 40 minutes of that was just waiting. They did not solve my issue and although I requested the survey, they dropped my call before I could provide feedback. This is deliberately avoiding, a negative review. Manuel and Nira should be ashamed.

Terrible health coverage plans and customer service is nonexistent. They will fight you on literally any type of coverage while you pay them an arm and a leg for terrible health coverage. They will process your doctor office claims out of network and force you to front the bill while the doctor is literally in network.

UHC Customer service have the worst people to help you with just about anything. They use out of country reps who barely speak english and when I inquired about getting help to find a new PPC all they did was give me the same information THAT I ALREADY HAD FOUND ONLINE!!!! USELESS AND THEY SPEAK ENGLISH, BUT DO NOT UNDERSTAND AMERICAN ENGLISH!

I cancelled my dental rider but was still charged for the following month. I have had to call for weeks to get my refund to be told I owe it cause I didn't call for refund, (but that's what I've been doing) then I was put on hold for an eternity to be told I didnt cancel in time, blah, blah. I call again to be told a refund was issued on June 7th it's now June 19th and it's still not showing on my c.c and now I'm being told that I'll have to wait til the 28th of June for it and the customer service rep said she would call on that date to make sure I got it????

I have been waiting on the phone for more than 20 minutes to speak to a Representative regarding a letter I received from UHC incorrectly stating that I have an overdue balance, which is not true, plus I have an automatic payment plan with UHC. This is total disregard for client's time. Very disappointing!

I'm a new member, just trying to register for the 1st time on the United Healthcare website. The username field is pre-filled in with a garbage value, and will not allow me to delete or change it. Nobody in United Healthcare support can fix the problem. As a result I can't create an account and manage, or even view what's going on with my health insurance. I've been on hold on various days for hours. I've been hung up on on multiple occasions. The tech support is incompetent and rude. I regret ever having anything to do with United Healthcare.

I have been billed more for United Healthcare than any other insurance plan for the same level of care year over year. They deny everything, even when it is preauthorized. You have to check frequently to make sure your providers are still in network. I hope they tank into oblivion. THE WORST and I HAD BCBS NM before.

Poor Customer SERVICE. People who are on a diabetic shot gets screwed. After you use 5000.00 then you get stuck paying 25% of the drug cost till you reach 8000.00. Most people who are on medicare can't afford that and this worthless insurance company don't care. When open enrollment starts I will be leaving UHC. Because of UHC I have to stop taking my medicine. All programs is for low income people.

I had a mri to see why my colon is enlarged, the mri was approved but it would not give an estimate for the mri. It ended up costing me over a $1000.00. Now they want to do a biopsy because the mri was not conclusive, but I'm afraid it to will be over a $1000.00 which I don't have. Looking for better insurance.

My credit are on file for auto pay expired. Payment was thus declined, which is standard. But they literally have no billing section on their website!! Their 800 information number is an endless sales pitch you can not get past, and their WEBSITE help number had a very sweet employee who said she couldn't find any way to change your credit card and she would refer the case to an "expert" who needed 3 business days to reply. Insane. I am ready to call the police at this point.

Would not recommend tibia carrier to any company. They do not care about their members and the rewards program is a joke since they take the money back with no warning. Will be looking for other medical providers for 2025.

Made one phone and got stuck on loop I could not get out of -- I had to give the automated line a "date of service" for a healthcare service that had not been paid. Nothing I did could get me out of that loop. Hung up and looked online for a phone number that would get me to a human being. Called that number, and eventually got a human being -- who got some basic information, and then SHE spend 45 minutes trying to connect me to the right department within United Healthcare, and SHE was stuck in various queues all that time. Never got an answer.

It take hours to reach someone on phone, to schedule appointments, to get refills. When finally got someone on phone after waiting 53 minutes she transferred me to main clinic and then again music playing and phone got disconnected on its own or maybe they disconnected, so wasted more than hour on phone to talk to someone and got NO answer can’t talk to associate just to get information about my labs and X-ray done, calling because I am worried about results but they don’t care. Waste too much of patients time.

I have worked in radiology for over 43 years and a licensed here in the state of California. When my wife started having knee trouble, we started physical therapy, procedures, PRP, shots, and medication of which had no effect. Finally, she had an MRI which so completely torn medial meniscus that was macerated throughout the entire area. The tear was a full thickness tear. We went to three different orthopedic surgeons for three different opinions and all three requested either a partial or a full knee replacement. I even talked to the radiologist regarding these findings and they concurred.

This insurance doesn't even deserve one star but I'm forced to give them one even though they suck and don't even deserve one. I just moved to Washington state. Got the insurance for my husband and my daughter and I. I have had so much issues with them. I been waiting 3 months for the insurance card. They said they sent each time I called them to complain. I'm at a point now where I'm about to rip their heads off (not physically though). This company needs to be shut down. They don't cover anything. They pay for appointments but not the procedure that needs to be done and you have to wait forever for your card as they lie to you and tell you they sent it. After 3 months I'm sure you're just lying to me and not doing your job right. I hate this insurance. Please do not go with this insurance. They will screw you over.

Avoid United Healthcare at all costs! Do you research! Simple online search will provide a multitude of complaints and heartbreaking stories!! This insurance company will deny, deny and deny. The doctors are apologizing for not being able to provided the care that our mother-in-law needs because United Healthcare is denying her care!! At 81 years old, she had surgery that removed the majority of her colon and has a colostomy bag and a drain tube. She has been in the hospital with complications from surgery, pneumonia and infections. United Healthcare will not allow her to go to skilled nursing or rehab facility!! If you are/were an auto worker in Ohio, you have this insurance.....be very concerned!! After paying for this insurance for decades....it's deny, deny! She is a very tough woman, but not strong enough yet to take care of herself, but they are sending her home!!

The voice command is ridiculous. It doesn’t know full sentences like it claims. Also it would be great if I could speak to someone who was fluent in English. It’s really hard hearing chopped up language when you have bad hearing. Ridiculous. A phone call does not need to be that difficult.

WORST communication insurance company EVER!!!! Need to get transferred to a minimal of at least 9 reps a day to find MAYBE one person to finally help you or give you an answer... IF you are even that lucky... HATE calling UHC or any of its affiliates as they do NOT communicate... Always a waste of my day. :(

From the beginning I already knew I was going to have problems with United Health Care. They only paid 10% of my medical bill and now I’m stuck with a medical bill that’s over a $1000. I have low income. Their deductibles are high. Their customer service reps are rude and not helpful at all. I can’t wait until the moment I’m able to drop this insurance company. I do not recommend this insurance company. I was tricked by a broker and he told me that this insurance is just like Maryland Physicians Care and that was a lie.

It is objectively better to put your money into a jar than it is to pay for ANY of their plans. I paid $50 every month for dental and the following year the one time I needed to get work done their TOTAL coverage was $80. Don't waste your money on this scam of a company. They don't deserve to exist.

Horrible company.. they deny most everything especially when it come to dental work.. We're going to drop them as soon as possible and never look back. I would never recommend them to anyone. Horrible customer service as well.

Avoid this company like the plague. They used to be reliable and transparent, until they hired the Sherriff of Nottingham to rob us all. First, "Sir" Witty stole a $23.5 Million salary he wasn't earning, then, he bailed out a group of malicious hackers, who stole most of our personal information, on his watch, to the the tune of $22 million. I expect he's afraid the government is going to find out those hackers made their way into our medicaid prescription services and covering it up with bogus denials and thick gaslight to their customers (whom they treat as products). They expect US to pay for that, by denying our claims, on bogus charges and playing "creative prescription approval" with people's lives. They should be behind bars for this. I live in fear that they are my provider, now. I hope I can switch, before they unalive us. If you have a choice - do NOT choose THIS MADNESS.

Have been trying for over a month to get approval for a required surgery for my neck and upper back. My hands are going numb waiting for the surgery. Doctor is one of the finest in Colorado and has sent all the material in three times. CEO makes over 23 million a year and five top administrators made over 60 million in 2022. They don’t care.

United Health Care is absolutely horrible when it come to prevention medicine. They refuse to approved medications proven to prevent issues such as diabetes and obesity and require a patient's health to get to a critical state before approving medications to treat the issues thus costing the insurance companies more then passing it onto consumers. The fact United Health Care goes against advice from the AMA shows they are only there for the dollar. Can’t wait to open enrollment to leave, worse insurance company I have ever had.

Worst health insurance you can have. I have United Health Care Community Plan and I go to the Mayo Clinic in Rochester MN for my liver and bladder cancer. Every time I want an MRI or a CT Scan Unitedhealthcare drags their feet to approve it. I had an appointment down at the Mayo Clinic on 5/22/24 for a CT scan. My wife was told by a supervisor at UnitedHealthcare that it was approved and go ahead with the scan. Turns out UnitedHealthcare approved the scan for the day after my CT scan. Mayo Clinic ask them to change the authorization date to the day of my CT Scan.

You better pray you don't have any coverage questions. I spent nearly 2 hrs on the phone trying to figure out why my doctor hadn't been paid. Kept getting transferred over and over and never got any help. I have never been more frustrated trying to get help. I've never seen or went through anything like it. Absolutely horrible.

UHC tripled the co-pay for my medication without warning in January, so I used up my entire FSA by April. My doctor's office worked hard to find me a new medication that fell into the lowest co-pay tier. One month after I started on the new med, UHC tripled the co-pay again. Optum (the specialty pharmacy UHC forces me to use) is also incredibly frustrating. Every interaction with them is an exhausting struggle.

Secured a plan via the marketplace and checked to confirm my doctors and medications were covered/in network. The day after it became impossible to change to a different company/plan, my doctors were no longer in network and my medications were not covered. I ended up having to drive very far to find a provider who could see me in less than 3 months. The covered replacement for my medication doesn't work as well. This company is the used car salesman of the industry.

Absolutely everything that I have experienced with UnitedHealthcare has been total garbage. Absolutely the worst service I’ve ever experienced with no redeeming qualities. This is the worst insurance I’ve ever had in my life. This is not insurance. It’s FRAUD. Sending me to doctors who they do not cover, will not cover, and have not paid, even though those doctors are still currently listed as covered on their website, is fraudulent. Taking six months to give me an Insurance card listing said Medical provider, claiming that the doctor must be listed on the card in order for them to pay and then STILL not paying for services of any kind is fraudulent.

This is the worst healthcare provider I have ever seen. Make this the last resort if you left with no option. I have recently registered with them. If you have any questions the response is very slow. They waste your time. Never shop health insurance from them.

UHC Medicare Advantage deals with transportation companies that will leave your elderly, wheelchair bound family stranded at a closed doctor's office. And customer service acts like it’s ok. I’m so upset about this. I don’t know who to go to.

Your customer service is not any good at all. I get tired of being put on hold for 35-45 minutes and still not speaking with anyone. Your fees are outrageous and you don't cover much of anything. How are we supposed to survive in this world today.

I find that my insurance coverage with UHC MEDICARE ADVANTAGE is good and I appreciate it. HOWEVER, any contact with phone representatives and their APP is beyond frustrating. Their computer records are abysmal and never up to date which they always blame on the providers. I could relate so many bad experiences, but fresh in my mind is the 87 minutes I just spent trying to change my PCP and obtain a new card. First I called the new doc’s office number (it is a group) and was told the physician I selected from the UHC APP had been retired for two years. But he is still listed. So I chose a different one in the group, was assured she was in network and made my appointment.

I have heard of horror stories involving healthcare companies, but I never paid much attention to them because I was in a group plan with my employer for my entire career. Now, I understand... Upon my 30-year retirement as a police officer, I purchased a short-term health care plan (Tri-term) since my employer didn't provide insurance after retirement. Just prior to the policy expiration, the same sales broker, Matthew Murray, called so I could re-new via phone. Although my health had not changed in the last 3 years and I had only physicals, I was notified by Matthew a few days later that my application was denied.

Was given several lists for oxygen suppliers near me. 1- doesn't provide service in my state. Another one doesn't provide service for UHC. 3 others have a subpar reviews stating billing problems with corporate. Cannot find a rebuttable company near me that accepts UHC. Waiting for open enrollment to leave UHC.

Extremely disorganized company; all of their support is located in India, which leads to extreme inefficiency. My provider and I have been back and forth with this company for over a year, trying to submit a claim for my service. My provider mailed them the claim TWICE, to the correct address (which was verified multiple times), and they keep claiming to have never received it. Both I and my provider have been in constant back and forth contact with this insurance trying to sort out why the claim hasn't been processed. Constant communication difficulty, disorganization, and delays have finally led to the claim ultimately being submitted electronically (with extreme difficulty, according to my provider), and outside of the timely filing period. This led to the company wasting no time in sending me a $800+ bill for a service that was estimated to be less than $200 because the claim wasn't filed within the timely filing period.

I am new to UHC coming from a private health insurance plan. I’m on several medications. UHC has denied coverage on several medications even after going through an exhaustive appears process with them. UHC’s prescription mail order service, Optum Health, has been a nightmare to deal with. It’s incredibly difficult to switch and most of their customer service representatives are incapable because they don’t understand what is required to make the switch. It’s taken me weeks to set up mail order and I still don’t have my medications. Optum has reached out to me three times to verify my mailing address even though I have not moved in five years. This delayed things each time.

This insurance is unbelievably ridiculous! It doesn't pay for anything until an extremely high deductible has been met. I'm basically a healthy person so for me this deductible is crazy. This insurance won't even pay for most screenings! I'm starting to see why some people get on medicaid and NEVER GET OFF!

My experience with United Health Care is difficult and a struggle. I have had a United Health Care Medicare Advantage Plan for around three years. I have needed prior authorizations several times and it took a long time to get a prior authorization but sometimes I would never get a prior authorization that healthcare providers requested. I could never get adequate help with finding healthcare providers and were often given names of healthcare providers that are no longer in business, out of the area, retired, do not take the insurance, are not taking new patients, and other issues. The copayments were not recorded correctly and do not match up to what I paid. There are around twenty or more claims that are associated with double billing on the part of the healthcare provider with copayments and billing that do not match up.

My experience has been hell. I have a disability and they won't help me at all finding coverage. I call 3-5x a week asking for them to find me a doctor and they can't then they say they will call back and they NEVER DO. I even talk to supervisors and they won't call me back. PLEASE LEARN FROM ME AND STAY AWAY.

I have had three health insurance companies in the past (Regence, Kaiser and United). United has a much different approach to providing health insurance than Regence of Kaiser. My experience: United will deny every claim possible, even routine office visits and labs, requiring customers to go through the appeals process. I am still unsure how they communicate this directly to the customers, as I have invariably learned of these denials through my doctor’s office or the lab. Once discovered, finding these communications is difficult on the UHC If you choose to go with United, pay careful attention; this sneaky tactic could cost you hundreds of dollars.

On phone for hours. Health care bills rejected. Pay 168.00 a month. Can't get better because I have to deal with the stress of their mess. Can't ever get anyone to fix anything. Looking at 91000.00 of unpaid dr. bills.

Customer service is very difficult, I contacted them because I was having problems using the U Card, spoke with too many representatives before my issue was addressed. Unfortunately as far as I'm concerned it's still not fully resolved. One of the reps just deleted $206 of rewards points, I called several times and treated as if I were delusional, what he did was irreversible. I called many times after that, finally getting someone who was supportive and seemed to care. Unfortunately she was only able to put $45 of rewards on the card. The whole process is flawed. United Health Care uses phone banks, and it appears most employees just say whatever they need to say to get the customer off the phone. A very unpleasant experience.

Poor communication, one rep will tell you one thing and another will tell you something else. They also don't want to approve hardly anything. I need major surgery in order to be able to breathe properly due to Scheuermann's disease. Was told by United the surgeon I was referred to was in network. Now that a surgery date is set, suddenly he's out of network.

Horrible, worst-in-class customer service. Endless wait times. Referrals to specialists, if you need to see one, are an endless nightmare at best. My entire visit with every doctor lasted a few minutes, or less. They're too busy to care.

Have had UHC Complete for a couple of years now. No issues until today I'm informed that my co-pay for ** more than quadrupled from $135 to over $600 for a three month refill. Requested a call and spoke to someone overseas that I could not understand. Basically, the gist was that my first co-pay was an "initial charge" so it then went up from there. I checked www.ehealthmedicareplans.com/ and they advertise a co-pay of $121 ($363 for three months). I could swing the $363 without sacrificing too much, but over $600 ain't gonna happen and I suffer.

United Healthcare’s goal is to DENY, DENY, DENY, even if it kills the patient! Their primary concern is keeping money in their own greedy pockets. If you die, then they won’t have to pay your medical bills. Their motto: Shame on you for trying to stay alive!

The small business I own has had a group policy for 18 years. UHC indicates they sent me and my broker a letter stating I needed to be on Medicare. A LIE could not prove. Rejected my claims. Took my money.

THE WORST! I would give United Healthcare zero stars if that was an option. Despicable treatment of elderly patients and completely unethical behavior. I am appalled by their lack of caring. They kicked my 81 year old mother out of her skilled nursing facility on day 20 despite her being non-weight bearing for another 8 weeks. She can’t toilet herself so she will require around the clock aides which we will have to pay for ourselves. DISGUSTING COMPANY! You should be ashamed of yourselves. All I can say is karma is REAL!

We had United Healthcare in 2023, but then changed to Humana in 2024. We are 74 years old, have few health concerns, only 2 prescriptions each. We had no problem with United until we switched. My husband thought because we had the same plan, when he canceled his, it also canceled mine. In the new year we were billed $150 which alerted us to the problem. And this is where my dissatisfaction comes into play. I talked with a service rep 3 times and the first two times I was told to send proof of my new insurance, first to a location in Pennsylvania, then to a location in Georgia. This was a month apart. I was told to send a copy of my Humana card, front and back. I did that. But then we got billed again in February.

At first I thought this Medicare Advantage Plan was good, I then found they were assigning care navigators that were giving me nonfactual information. "I don't live anywhere near Wisconsin" she said, as I suspected her for cooperating with a biased retailer to get me set up and band from a store. Turned out she lived near that store. Then, as I switched to a different plan, I would as prematurely denied doctor transportation and told I may have problems with a due refills if I tried to have them filled on my last day of coverage. Coupled with a sarcastic nurse's home visit and de-escalating coverage amounts by year, I am glad I switched my provider.

My pharmacy indicated they will not cover my diabetic supplies. So, I pay out of pocket. The clincher is a tumor in my wife's mouth that needs to be looked at, but I cannot find a provider that takes their insurance. Some say it's because they find it difficult to get paid.

This is the absolute worst health insurance company I’ve ever had. Plans suck and don’t cover necessary medications. They're cheap. Want to give you the cheapest medicine because they only care about themselves!!! THE WORST!!!!

I have UHC and it is terrible. Very limited provider network, horrible customer service. If you try to call for assistance, you are routed to an overseas call center. Everyone is incompetent, they give inconsistent answers, frequently hang up on you, and there are no extensions to get back to the same person. Every time you get disconnected it’s back to the beginning of the robo menu and when you eventually get back to a human they will have no idea what was discussed previously. Their provider directory is inaccurate and out of date. It feels like this system was specifically designed to prevent people from getting the care they need. Would give 0 stars if I could.

This insurance company will keep you on hold for HOURSSSS before you can speak with a love representative. Absolutely terrible!!! I am currently on hold trying to get in touch with a live person. At first, it stated my hold time was 57 minutes. It has now been 2 hours and 26 minute and no one has answered the phone. A previous time, I was on hold for 3 hours until someone answered. Absolutely awful.

My husband and I have had United Healthcare for several years. This year they failed to send us a new card. When it was noticed that it was last years card they denied it. I made several calls to NO avail, I got a different non-truth answer every time from different people who I could NOT or barely could understand. Hire people who can speak English fluently!! My husband has dementia, and I am 84, I had never had a problem before, so why now?? They told me they cancelled my husband because he had moved out of the state. He is still here in Washington state!!!!

My wife has this insurance through her work (unfortunately) and they refuse to cover absolutely NECESSARY medications despite saying they cover 100% on their website and in the plan. For years she's dealt with Cysts on her ovaries near 5mm and thankfully when she was put on birth control they subsided, however they return if she doesn't continue the medication.

Their customer service reps from other countries suck. They don't seem to know protocol for doctor's orders. Since when does a rep have more say or knowledge than a doctor? Since when do they have the power to deny a doctor's order? I'm very upset at United Health Care for the stress several reps put me through. These people need better training. Especially in manners. I love my insurance but hate their customer service.

United Health Care is a joke. I've been fighting forever to get a duel complete plan, they denied me again. I'm upset because I'm needing that food ucard but oh well, guess I'll call them again, see what can be done. I rated this at the lowest rating because the way I'm being treated then yesterday I received a call from someone claiming that she's from United Health Care and saying that United Health Care still has my old address on the account and I keep my address updated and I've been receiving mail at my current address she was not making no sense at all. Since I'm putting this on here maybe they'll straighten things out hopefully.

My wife signed us up for the United Health Care’s high deductible plan through Gwinnett county schools in Georgia. I had breathing obstruction issues and went to a ENT to fix them. They cover $42 for a $175 doctor visit, and pay 0 to 10% for my allergy test, endoscopy, treatments, and everything else. After racking up a bill of over $3500, They covered less than $800 of it. The ENT mapped out the cost of the recommended surgery after my deductible was met, and the surgery turned out to be $100 more than if I had no insurance at all, and paid privately out of my pocket. ($5,250 out of pocket.) Even after getting to that ridiculously high deductible, they still only pay 70%, and they also denied the claim to pay for the surgery.

United Heath Care Dental plan: UHC The Villages Medicare Advantage FL-004P- You pay a $0 copay for all other covered comprehensive services, including crowns, fillings, root canals, extractions, general anesthesia, IV sedation, occlusal guards and modifications and adjustments to dentures and bridges from network providers. The problem is UHC does not use normal dental practices to approve a claim. I have a cracked tooth and normal policy is a crown to prevent potential pain and maybe lose the tooth. You need to completely crack the tooth and go thru the pain before UHC will approve your claim. This is not health care and normal dental practice. Cracked tooth- crown it.

They constantly make mistakes and they blame another department. When I get a referral to have work done, they don't submit the paperwork. Multiple times, I have showed up for an appointment only to find out that the appropriate paperwork has not been completed.

BUYER BEWARE! Doesn't deserve one star. I have been waiting on a refund for a deposit I put for a plan. It's been 4 months and they haven't issued one. I've called 8 times only to get put on hold for 30 min to an hour and they haven't issued my refund. Such a joke! Do not use this company!!!!

Awful! I called a total of 5 times to make sure my visit would be covered. Get told, "yea mamo is completely covered, ultrasound about $100 here." I am with a bill for over $200, call an agent, just reads me the bill like I did same. I called for help and to be advised why I was lied to but they didn’t care so BBB it is!

I have called United Health Care customer service and requested for my phone number to be updated so that I can access the Ucard application and make payments to my bills. As of today it has been 50 times trying to update my phone number and have requested for a Supervisor. Phone number still has not updated and still haven't heard back from a unitedhealth supervisor.

Be careful with prescription part D. I just found out they have a contract with the private pharmacies preventing them from getting your Rxs delivered!!!! That’s their cheap way of forcing you to use their mail order. I’ve never been so horrified in my life as to this out. I’m on the phone with them right now. All this after telling them I’m disabled. Now I wouldn’t use their mail order at gun point. As soon as I find a company that doesn’t dictate the terms of delivery I’ll write another review so you can all know where to switch too!

Annoying. You can't even get through to a real person. These broke down computer systems are so annoying. Keep repeating "Put in your ten digits phone number" over and over. Can never get to a person. The call always goes to a dead end call because y'all poor computer systems can't even understand simple English. It's so annoying and disappointing. I feel bad for senior citizens. Can't get through on a simple 1833 527 0259 phone number that this big giant money making company can't even get the phone number right. What a waste of time dealing with these companies.

This company - which I believe is part of Government sponsored Healthcare should be closed due to poor practices and non-existent customer service. All they do is send out invoices and then hound you on the phone for any and all invoices that aren't paid in full. Stay away. If you call them, they just blame the physician and tell you to take up your complaint w/ the billing dept at the physician's office. Terrible.

Paid premiums throng employers for 4 years, United Healthcare has never paid a penny on anything that I’ve had done. You get a plan discount but 0.00 plan payment. Better scam than the government has going!

I just enrolled in United Healthcare this year. I had an appointment with a specialist on January 3rd, which I had set up months before, so I called on January 2nd to ask if I should postpone my appointment until I had my primary doctor write a referral since my policy said this was required. The lady on the phone said to go ahead and she would waive the required referral. So I had my appointment and they denied it saying I didn't have a referral. I spent hours calling and each time they said they would fix it and pay. After 4 phone calls and about an hour each time, they ultimately said I would have to make an appeal, which would require me to fill out a lengthy form and a letter explaining everything. At this point, I paid the doctor bill because I just couldn't spend any more time with this. Terrible start to my new insurance. Will change insurance company at my first availability.

I purchased vision policy for my grandma. They logged me out of the account saying it needs verification. I called helpline. They said they can't access it until they speak to my grandma and she doesn't speak English. The rep said, "Sorry we can't help you, you can change settings on your end." I said, "That's the problem?" Provided no solution. So y'all gonna charge my card forever then? Worst service ever. I still have no solution.

UHC RAISED MY PREMIUMS, CUT MY BENEFITS AND REFUSED TO HEAR MY APPEALS. DO NOT USE THIS COMPANY AS AN ADVANTAGE PLAN. Stick with Medicare/Medicare. I had this insurance for 10+ years. The last year I paid for this "insurance", I was able to purchase my medical testing supplies cheaper on eBay than going through UHC! No exaggerating.

RUN AWAY!! I rue the day I joined UHC. In the past I have had Oscar and Blue Cross and never had as many problems as my 4 months with them. They deny claims for services they previously said were covered. They prey on old people who give up and pay. Trying to find a knowledgeable representative who can speak clearly is difficult and you will wait for a half hour for a supervisor who doesnt even pretend to care. They have no idea what durable medical supplies are and waste your time sending useless information. I am stuck with them until 2025 if I live that long.

Worst insurance ever. Denied my mother rehab and sent her to skilled nursing. When asked, they would not tell me why she was denied, the credentials of those who denied it or allowed me to speak with the claims departments. The doctors and therapists at the hospital stated to them that she needed rehab and not skilled nursing. They hung up on me twice when I tried to get this info. They are cheap and don’t do what is in the best interest of the patients.

In particular, their "Choice Plus Network" scheme, which was foisted on us by the pushy salesman who came to our company and not to put too fine a point on it, lied to us about the plan, what it covered, and how it worked. At this juncture I can make no conclusion other than this is a complicated scam. Take heed: What is being peddled here is NOT insurance. It is a "fixed price indemnity plan" which covers practically nothing and insofar as I am able to determine serves no function other than to bilk you out of a monthly premium while providing zilch in return.

Worst insurance, my primary doctor is not in the network, they take United Healthcare but not the Cr one. Tried customer service, gave me the PCP to see, that Doctor doesn’t work there, moved. Can’t get answers!

My daughter purchased travel insurance to visit me in US. While visiting she had emergency and we had to visit hospital to do blood transfusion. At the end of the day United Health Care refused to cover any charges and we were billed by the hospital for more than $13000. Please don't fall into this trap, don't use this insurance provider.

I absolutely loathe UHC. I'm currently in the process of having to file an appeal on the denial of my diabetic medication. They refuse to pay for it even though my doctor has submitted all the required documentation. This is a life threatening medication. They're doing everything they can to not pay for it. My husband and I pay over 800.00 a month for this insurance. Please please please do not use them. Go through BCBS or anyone else. Here's the thing, they are going to keep trying to deny it in hopes that I'll give up, but that's NOT going to happen I'll continue to fight tooth and nail and or hire legal assistance to assist with this appeal. This should not be legal, people pay huge premiums to have coverage and insurance companies think they can get away with denying people the right to have the proper health care/coverage needed. I've done some research and UHC is famous for not wanting to cover ANYTHING!!!

This insurance was forced upon us as an only option from an employer. It has taken over a year to get medically necessary services approved. This approval comes just as ties are severed between UHC and our provider. I truly believe that this insurance group does not care at all about its customers other that the money they get from them.

I have given up on reimbursement of a $150 "out of network" charge for a mental health therapist, out of personal frustration but also out of sympathy for the underpaid call-center employees who must deal with complaints/appeals. The appeals process is a Byzantine maze, I think intentionally so--to get people to drop their claims. I hate to give UH this victory, but I will drop my plan and go back to straight Medicare.

Poor customer service. My issue has been ongoing since February 2024 and still not resolved. No promised callbacks. The website was down on January 31 and I could not enter my rewards. I was told they could be entered afterwards. Now I’m told nothing can be done.

As a business professional, executive, I find UHC to be completely unprofessional and unethical. They have become like government. They're incompetent and unaccountable. Who other than government offices don't allow the sharing of their employee names or contact information so you can actually get customer service? Their premium and deductible rates are astronomical and practically unaffordable and they deny many claims and or make you pay for services out of pocket that it seems should really be included and covered.

I would like to know why iCare Health Solutions have the contract for Vision. They giving patient allowance of 500.00 and paying provider 5.00. You can call ICare health and no one can answer your questions or return call. One is the worse vision vendor in Miami.

This is the absolute worst insurance company on the health care side to deal with. Their App and Website are a joke. Everything is shown not needing a pre-authorization, this is the rarest thing from the truth. If you are on their cheapest generic drug already you are goood to go, but if it is not on their list it is a total battle to get it covered. The other game they play is if they do not hear back from a doctor's office the day the request is sent in, they deny and cancel the order. Do not even bother calling the United Health Care call center, they are clueless and can't assist in any fashion whatsoever. I at least now know how not to contract for Health care going forward, you have been warned!!!! Stay Away. So many other great choices for health Care.

We absolutely hate United Healthcare! We were told that it is a great insurance company, and that they cover many things, even our prescriptions! We pay almost $900 a month for this insurance. They hardly cover anything on our prescriptions. My husband went to pick up his prescription for his daily inhaler, and his out-of-pocket expense was almost $400! I just got a bill for my lab work, and I have to pay $243 out of pocket!! Why the heck are we paying so much for insurance when we are having to pay so much out of pocket for prescriptions and medical service?!

For years as an insurance producer I recommended United Health Insurance and AARP as a plan B Medicare Supplement Insurance Choice. I did this for many reasons as I thought they would have stable rates, quick claims payments and I always thought and was told they had cross over claims payments with Medicare. Crossover means that once medicare pays their claims they are submitted directly to United Health for reimbursement. After years of believing this I now find out they they are one of only a few carriers that only crossover with Part B claims and DO NOT cross over with part A claims. This leaves potentially a big headache for elderly people to have to deal with a cumbersome claims filing process on all hospital claims.

Waste of time and money. Even though they say in network, so many labworks will be done that charges more than $100 and they will say these are from third parties, they don't know about it. Even though you know you hit the deductible they will take more than two months to process the claim and if you have any doctor in between, you will end up paying out of your pocket saying that you didn't meet the deductible even though you did, it's because UHC takes a long to process them.

A month has gone by, they cancelled 8 valid prescriptions, they sent me 2 pills out of the 90 I supposed to receive. Customer service is based in India now, and they have no training in anything remotely related to healthcare. UHC needs to drop this service. I keep calling, nothing gets resolved.

Waste of coverage. Do not get United Healthcare for coverage... They do not cover none of my medications. Their answer to me is pay out of pocket. So they expect me to pay to have them and also cover whatever I need anyway... a year ago they covered with no problem, this time it’s well pay out of pocket for your doctor visit plus medication plus for the coverage I don’t get. Highly highly would never recommend and I will be dropping them.

The United Healthcare Insurance Company is affiliated with AARP and is amongst the worst insurance companies I have ever encountered. This insurance company is the company that provides coverage for my part D Medicare drug coverage. However the plan has been denying most of my medications leaving me in a position that I am not taking prescribed medications. I pay a very high monthly premium for this insurance costing me $80 per month. It’s really a shame that I am supposed to pay for something that doesn’t even benefit me. What is also annoying is that their customer service is located offshore and many agents cannot properly communicate using basic English. United Healthcare in my opinion is running a scam that preys on the elderly and those who are disabled. I have stopped payment with my bank and I won’t be paying these crooks a dime.

I signed up with dental coverage 50.00 a month. I went the dentist they submitted a claim. It was rejected. I said, "That's impossible. I got this coverage because I knew I was going to get an implant." Anyway I read under Dental, Comprehensive Services, Implants, teeth whitening, etc. would not be paid if appointment was missed. I called UHC 18665798774. The first person I spoke apologized when I told her that the person who sold me the policy lied about Implants being covered. She said she was going to write an appeal for me. I know that was going nowhere.

United Health Care's mission is to make it difficult to use the coverage you pay for. Their customer service is a joke. Their employees are poorly trained and therefore appear uneducated. Bottom line: only their bottom line matters! The worst insurance company in the US. Avoid, avoid, avoid.

United is the worst. At the "indoctrination" meeting they avoided questions. The company should be shut down. This is a prime example of corporate greed and thievery. The company I worked for gave us no choice for health care. I assumed they were getting a kickback from United. United SUCKS.

Worst Company - The Kmart of unhealthcare. Paying to pay... What a joke. Horrible coverage, horrible service, horrible prescription program. If you have a choice don't choose this company. You'll be happier with any other company.

This company is the absolute worst. Nobody knows what they're doing. If you are considering United Healthcare, please don't. They deny claims, their coverage sucks and customer service is atrocious. Employers: please do not do this to your employees.

United is a greedy corporation with a facade that claims to help people get medical treatment. United actively contributes to an outdated, ineffective healthcare system that puts poor people in debt to fill their own pockets. They are part of a large, dysfunctional structure that most of us would agree intentionally prevents their citizens from receiving help.

United Healthcare has the worse customer service you can ever experience. 1 month calling about my ID cards, 1 hour over the phone to access an online account. For now, I don't have both. Kyle was the person that I talked to. Simply doesn't know what he is doing. Run from this company.

My company recently switched to UnitedHealth Care from Harvard Pilgrim, a company under their umbrella. My prescription drug cost has increased 87% just for the prescriptions they actually cover. Other medications are being flat out declined. Of course this wasn't mentioned in the sales pitch. I hope their shareholders are enjoying their wealth. I wish there was a lower than 1 star score to give.

They are unable to send me an email with providers in my plan. I can't log into my account bc they have old info! Been trying for 3 hrs! And today: second time they put me on hold and didn't come back. Passive-aggressive! AVOID!

Switched from Medicare supplement to Medicare Advantage. I was assured that my autopay was discontinued on old plan, not the case. Upon calling, couldn't find my old plan! Said I would have to SNAIL MAIL proof from bank that UHC took money from my account. No email and snail mail is very slow for them. Finally they found my account. Said 7-10 business days/refund. I am stopping payment ($25) on my autopay because I don't believe them. Reps can be hard to understand and they don't understand me sometimes. I believe they read from a script. I wonder if I will get my refund. I expect to have to make more phone calls. Not happy.

As an American physician, I hadn’t heard anything good about United Healthcare from my patients but had no first-hand experience until I enrolled in United’s Medicare Advantage plan. A few days after enrolling, I moved to a different state and subsequently found out that United does not provide coverage to people living in my new zip code. I was disenrolled because of my new address but still billed for my premium though they had provided me with no services at all. This is how their CEO earns his $21M annual salary. I would never recommend them to my patients and would never consider enrolling with them again.

I used 60$ of the benefit offered to pay on my electric bill. Electric company says they did not receive it. Filed grievance with UHC. They even confirmed with electric company during a 3 way call that they did not receive it. Grievance ticket was closed without Even updating me. They say, "Sorry, our records show it was paid." I lost 60$ and they won't offer any kind of resolution or compromise. Electric company says if UHC would show a copy of check they could trace the payment. Uhc says they don't do that.

It has become increasingly clear to me that United Healthcare OptumRx is deliberately avoiding processing my ** prescription, likely due to its high cost. A manager at United Healthcare explicitly stated that my ** prescription would never be approved. I am a 63-year-old woman who has lived with severe Atopic Dermatitis since birth. Despite trying various treatments such as creams, ointments, phototherapy, steroid injections, and numerous other remedies, my condition persists. United Healthcare has denied my request for ** and is insisting I restart the process from when I was two years old. This disregard for my health needs is deeply disheartening, and it raises concerns that United Healthcare OptumRx may prioritize financial considerations over patient well-being. I deeply regret choosing this healthcare provider. It is crucial to highlight that OptumRx, under United Healthcare, seems unwilling to process prescriptions with substantial price tags, leaving vulnerable patients like myself in a worrying position.

Upon retirement UHC is the company my former employer contracts with. I've been with UHC 2 years. It is extremely difficult to resolve any issues. They have a high denial rate. Each member needs a different email address. My spouse does not use email. UHC requested a credit card to unlock my online account. A credit card should not be required for unlocking account. The site does not offer an email option. I had to google UHC to find an email address. UHC gives different answer for the same question. UHC is the worst medical insurance company I have ever experienced. UHC never explains if if medicare parts A/B or medical advantage is responsible for payment. Saint Paul, MN

This company is pathetic. They offer almost no help, their website of recommendations is out of date, and their plans are a legit ripoff. I am almost paying more for this horrible plan than I'm paying my doctors outright for the actual care. DO NOT EVER USE THIS COMPANY. If my employers offered any other healthcare, I'd have switched years ago.

My husband's employer changed insurance to save money. They went with United Healthcare. They have not once but 5 times told me different reasons why my prior authorization prescriptions have been denied. None that was a legitimate answer. They went as far as saying it wasn't FDA approved and it is. Then my prescriptions I'm currently taking they're now only paying partial when they've been paying majority of it. I've gotten the runaround with their representatives trying to answer my questions to my claims, benefits. Terrible services. We used to have Anthem and never had this problem.

On Feb. 12, 2024, I called Dr. ** at Ohio Pain Clinic for an appointment. I had to leave a message for a call back. No one ever called back. When I called again and again, I was finally told that UHC had denied a precertification. I've been to Dr. ** many times with Anthem and never had any problems. UHC is new this year, required by my former employer. I can barely walk right now and the pain in my hip is excruciating. I've called UHC several times and was told the pre cert was in process. Dr. ** person says it was denied and resubmitted. UHC then told me to have Dr. ** people expedite it and then it would only take 72 hours. I told Dr. ** person that and she said that expediting it never works. It is now March 2 and I still cannot get an appointment. I am 70 years old with extensive arthritis. Dr. ** keeps me moving and I really need to see him. I am at a loss as to what to do.

United knowingly takes monthly premiums from all, and take in funds from government for Obamacare, and yet know there will be no Doctors accepting new patients at all...Three months, four advocates, searched and still no Doctor appt. We went to three only. Appt. confirmed only to be canceled on due to me not being in their network? United sent me and I set up appt that was confirmed by all only to get sent home. Still no Doctor accept United for not being paid it appears online...Take the money. Leave them hanging ....Lovely group of folks.

We recently switched from "Select Platinum" to "Core Platinum". Do not do this (employer provided). The coverage may look the same but the in-network facilities/doctors are a lot smaller. None of my current doctors accepts this insurance. We are paying more than last year to have this plan but I have no doctors or facilities covered in my neighborhood. Even Urgent care we would need to go to a different city. I am scrambling to find new doctors for my family. Their website to "find providers" are out-of-date, some do not exist, or some have moved out of state that are still part of the search which is making things much harder. We just have to hope nothing happens this year, and change to a different one in open enrollment.

I've had United Healthcare Preferred care for about 10 Years now and have had the best Drs and customer service than from any other coverage I've had from anyone else. Seems like only complainers giving feedback here.

When I changed to a different carrier, they continued to auto deduct my payments. When I contacted them, they stated I needed to call and cancel even though Medicare said it would be automatic like it has been with the other five plans I have used. $ 320 for absolutely nothing...

UHC does not pay 90% of my claims. I get all the proper referrals, jump through hoops, go only in network, call for preauth and then they refuse anyway. I have about 10K in medical bills because they just do not pay claims. I have appealed about 15 claims and spent over 40 hours fighting this company. It is better to self pay and as I don't even feel like I can get medical care.

I tried UHC at 65 for two years. They charged me $345 for a tier two drug, plus refill January 2nd. Two days later they sent a letter saying I was no longer eligible. They would not refund my annual fee. They sent bills charging more than my share till I complained. They are a phone tree and lie about sending EOB's. Aetna has been way, way better now.

United Health Care is the WORST insurance I have ever had! My employer pays over $2000/mo for my "coverage". Aug of 2023, I had purchased DME, which UHC paid for, out of network, and I paid $2568 for my share which more than covered my annual deductible. Had a regular Dr visit right after this, I paid my part, UHC paid theirs. Come Jan '24, UHC changed their mind about covering my DME and thereby rendering my deductible not met... And thereby pulled their payment back from my Dr for the other appointment, making me 100% responsible for BOTH. Now I owe over $4500!!

UHC has slashed benefits in 2024. Specifically on hearing: last year's benefits were over $4500 for two hearing aids, this year, $2500. UHC Ucard went from $240 per year to $160. ER cost went up and I'm certain this is not all. Plus, I live in an area that does not have access to doctors and hospitals (90 miles away). They've all left UHC. There are a couple of dentists left and Optometrists. But I don't have access to the perks such as exercise classes that others can avail themselves of but still pay the same premiums. I am not reimbursed for mileage to visit doctor (180 round trip). And now there is the loss in benefits. I should have read the changes when the open enrollment was in effect.

I joined United Healthcare specifically for the UCard benefit to help buy food. Stuff that is supposed to be covered is not. I have had to pay out of pocket for things that were listed in the catalog as covered. Sure, you can put the card toward rent and utilities, but restrictions are likely there too. I have had nothing but trouble since I joined in November of 2023. I thought this was the right thing to do, but it clearly was not. I will be cancelling my policy with them effective immediately. 0/10 do not recommend.

My PCP doesn't accept NYS health workers??? Seriously sick!!!! No PCP after 15 years with my provider because you can't pay them!!!! I am a health care worker that's been thru pandemic but now nobody can help me!? Just wow!!! I PAY For sg.

My husband and I both got on Medicare UHC advantage plan in the last few months. BIG mistake. I've been more stressed in the last few months than in the last ten years. Everything online about the UCard says it can be used for certain foods at grocery store. WRONG!! I was depending on it to purchase my buggy of groceries today. It was flat denied. When I called customer service I got two people that didn't know their head from the other end. I was told my plan didn't cover food. They said info online incorrect. Is there a way to sue UHC for false advertising?