UnitedHealthCare Reviews

This is the worst business I have ever dealt with, even worse than businesses are located in the third world. They try to make your life hard in order to make you give up on appeal. Their customer service provides no help. I really wish someone will Instivgate this company.

Worst healthcare experience ever. I applied for coverage, never received an approval letter, and then they charged me for 18 months without ever even letting me know I had coverage. When I went to contest it, they ignored my letter to Appeals and Grievance Administrator and now say my account is not active so I can't do any more appeals. Horrible, will never use them again.

We reinstated a policy last year (2020) and they put in the information incorrectly. The first payment they took out two months so we were paid up to the end of the year. Then around Christmas time they took out a whole year instead of the monthly payments that were supposed to be set up. After days and hours on hold and being tossed back and forth between departments and told one thing and then another and another and another, I finally get someone helpful that gets the money refunded and the policy set up correctly. Or so I thought. Apparently they had to cancel our policy in order to refund but when they went to reinstate the policy the system automatically denied it because there was a policy already within 24 months. NO **. So our policy was never reinstated and never taken care of and the address is still wrong on it. After calling again I find out I have to fill out the paperwork all over again in order to reinstate the old policy.

My wife had a recent gynecologist procedure, which involved an outpatient stay in our local women's hospital and for her to be put under anesthesia. I delivered her to the hospital in the morning and picked her up in the afternoon. All was coordinated and facilitated by the caring doctors and nursing staff. To include calls prior and calls post op. The procedure was a success and kept my wife from needing a hysterectomy. Thus it was proactive. Additionally, all of this was covered with no copayments for either the hospital visit or the associated medical prescriptions. Overall, we're 100% satisfied.

I've been with United Health Care for quite some time, I only use it as a backup insurance for when I can't be seen by the VA, United healthcare has taken care of me when I needed them to, although my primary insurance is the VA, I still use United healthcare somewhat, they do a good job on providing me with good healthcare, I feel pretty comfortable with United healthcare as my secondary insurance.

The plan I have is their PPO. This covers most all physician visits without deductible, small specialist deductible, good hospital coverage, wide provider access, very good drug coverage and OTC ($40 per quarter) that offers many good products sent to your home, all at no additional cost except for the normal part B premium.

Have been very please with the services offered to me thru this healthcare. Great benefits. Easy to reach customer service. Has covered all the health issues I have had without any problems. Easy referral to specialist's with a list of several doctors to choose from.

The insurance company don't really cover all the expenses. You are limited to where you can go. On a whole I can say that they cover visits whenever I am out of town. The customer service is great. They respond quickly and seem very knowledgeable.

This was an added Insurance because I am older and nearing retirement. This Insurance was easy to apply for with many benefits worth looking in to. There are no hidden agendas and all online staff are great.

First grievance: customer service rep, who was VERY unknowing about EVERYTHING lied and said she was mailing my benefits info...must have gotten lost in the post election pre-Christmas mail. Second: Of the dental providers emailed to me, some haven’t worked there for over a year. Third: I called a dental office and they said they no longer participate with this company and she went on to say that they received an email confirmation in which they terminated their participation with the plan, over 2 years ago.

I used to love this company. I only used it for regular visits and such. Now when I need them for an actual procedure, they fail me. I have been dealing with a closed lock TMJ for months now. My jaw opens less than an inch. Can barely eat. Even have to turn my toothbrush sideways to get it in my mouth. I am in constant pain. My oral surgeon has been trying to deal with the third party company that UHC sublets the MRI pre-Auths to for months to get approval. They keep denying it. Saying I don’t meet the criteria.

UnitedHealthCare is a disgrace and a joke in every sense. Forget whatever they self-describe themselves as, as a consumer of a good or service, I find them to be not only woefully incompetent, but they lie, have out of date data, and I cannot understand how this does not equate to FRAUD. If you charge for a service – to provide medical resources for allegedly QUALIFIED, IN-NETWORK entities – and the database they allegedly maintain for subscribers (paying customers) has companies in it that are closed, have moved, or otherwise don’t exist (primary doctors, orthopedists, radiology), how is that not FRAUD?

I could not find dental claim info online. The chat function was disabled. I had to call customer service. Long wait. Horrible connection. My calls were repeatedly dropped. After redialing the nth time, I was finally connected to a live person, Josh. However he kept saying he could not hear me; and that if I could hear him, I should hang up and call again. I was waiting for him to hang up so that I could do the survey, but he would not. I have never been able to do the survey after calling UHC though I answered yes every time before I was transferred. I believe they intentionally not hang up so that callers could not do the survey because they know we would give very low ratings.

The myuhc website is very confusing and my coverage has extremely limited options. It uses I've had untreated injuries for months now while trying to find accessible care in my area that doesn't have awful independent reviews. The limited selection of quality primaries in my major metropolitan area is absurd. In speaking to numerous facilities, communicating my coverage is always met with confusion. The obvious goal of their "service" is to confuse and frustrate the vulnerable, limiting payouts and increasing profits. Haven't we had enough of this middleman shake down already? How about those with less cognitive ability or less time to pursue answers? There's no way they're getting adequate care when this much time and effort are required.

I am a diabetic that uses Dexcom, which is a blood glucose monitoring system that allows me to know my blood sugar immediately and will alert me to any low blood sugar levels. My birthday is in November, and when I called United Health Care I was told they can only begin coverage at the beginning of the fiscal year. I told them how I could receive my life dependent Dexcom supplies and I was told Medicare will cover this. After two weeks of being passed from one person to another in Medicare and being put on hold forever, I pleaded with United Health Care that I really needed coverage. I had thus far gone into a grand mal seizure and had woken up low on blood sugar various times.

Their Medicare advantage insurance is great. This web site is horrible. First of all, they have several sites. You try to sign in and you keep getting transferred to a different site. Customer service is very poor. Nice people but clearly not trained by their company. Putting the blame where it belongs.... with the management. Escalating to the top, still untrained people. I spent over 2 hours today trying to find out what blood glucose meters I could get. Still no answer. So simple, but impossible to get an answer or even help me find it on one of their web sites. Time to find another company that understands that a company is only as good as its service.

It's a reliable heath insurance with a great plan and coverage, I would recommend it to friends and family as it is important to have a good health insurance in today's day and age. I also love the customer service as they are friendly and helpful to answer any questions you might have.

Very easy company to work with. Recently received offer of ** and home covid test to be shipped to me. They offer a lot of extras that other companies do not. I will be staying with them again in 2020 - 3 years in a row. I would highly recommend them.

You are able to set up an account and they will send you updates on claims processed and possible amounts you may owe for services provided. Their website is fairly easy to use and I notice they continue to make improvements to usability to make my coverage and claims easy to understand.

I have been a UHC customer since 2017. I own the company and this is the policy that I can afford to offer myself and my employees. Before moving to UHC my insurance was a grandfathered policy with BCBSNC from before the ACA. My experience from day one with UHC has been horrible. In the first month after the change in policy UHC deigned most of the medications I was on and wanted me to restart the process of proving alternatives were not an ok choice. A process that I had gone through years before and with BCBSNC to finally reach the meds that worked and had the least side effects. This process literally cost me and the insurance company thousands of dollars as we tried the medications required as "approved". Lost time, countless blood test, visits every few weeks to review and make changes only to land back at the original starting point.

Will not help you get the care you need. Would NOT recommend this health insurance company if you need care out of state. Just wants their money and does not care about you. I need to see a doctor out of state for a procedure and will not help me get my care I need. An useless company. Now my health is getting worse.

Always answer questions, always helpful and great service. Easy to contact company, Helpful in finding a primary care physician, specialists. Good at explaining policy terms. Helpful in explaining prescriptions. Good at reminders.

My experience with United Health Care insurance has been great. I have been able to find great Doctors that accepts United Health Care. My choices in Doctors are not limited. I am also happy with the prices I have to pay for my prescriptions.

United Healthcare has a very polite and kind member service personnel. They always answer the phone. They even called the doctor for you and find providers like therapists and psychologist. They send you reminders about what preventive test you can have according to your age.

Good coverage, great customer service reps. My doctor is accessible and his staff is good and caring. The formulary covers all of my scrips at no cost. The pharmacy has set up automatic refills for scrips and supplies. I get a $50 per quarter allowance to buy over the counter medical supplies, drugs, vitamins and supplements.

During the last 2 years, I have had serious health issues, requiring numerous hospitalizations and an organ transplant in 2019. United Healthcare was there for me every step of the way. Coverage was phenomenal, customer service was outstanding. They provided an RN to monitor my case and work with me throughout my journey. They provided T&E expense reimbursement for my travel to my hospital - Jefferson U. Hospital - which was a center of excellence. I can’t say enough about how fantastic UHC is. I will be sorry when I have to switch in January, 2021.

We have an AARP Medicare Supplement plan that is with United Health Care. It is a great company to work with when you have a problem with a bill or coverage. The CSRs are knowledgeable and willing to help you. The plan we have is no longer available but if you had it when they discontinued it because of a new government regulation you can still keep it.

I would recommended because they offer a lot and have a great copay that's not too expensive. It's very affordable. I'm happy to have them and a peace of mind. I would tell everyone to get this insurance.

They are pretty good to deal with. Always let me know when there is a new claim. We have HSA so it is pretty straightforward. But they also have a way to pay claims through Instamed right on their website.

This Insurance company has denied every claim I submit. I pay almost 200.00 a month for basically nothing. The doctors I have seen so far have all said the same thing, this company is the worst, steer clear.

They have been a great insurance as far as handling emergencies, to flu shots from the local pharmacies. They also have wellness checks with nurses for you to be able to discuss your own health or ask questions.

My first 3 years with UHC were good but this year has been awful. Twice my medical practitioners have given me a referral to see an orthopedic surgeon for needed treatment for severe shoulder pain. Every name the UHC customer service reps have given me have answered that UHC no longer covers them. I have not been able to get the help I need.

I recommend UHC because of low copays and a great selection of participating physicians. They also screen their physicians and allow our reviews, in order to ensure we receive the best ones available.

United Healthcare has friendly people. They call regularly to check up on you and see if you need help. They remind you of shots should get to stay healthy. Their prescription plan is unbelievable, extremely affordable. The extra money for over the counter supplies are good to have I save $60 every 3 months for daily necessities. You get rewards for Dr. Visits, mammograms, flu shots. So many extra benefits!!

United Health Care is insurance that makes you sick. Their phone representatives are rude. Every claim will be initially denied. Surprise billing. Huge bills far above the estimated cost. I have contacted the state insurance commissioner for assistance. I ran out of chiropractic benefits before I met my annual deductible. Think about that for a moment. You will run out of benefits before you meet the deductible. The only reason I have an United Health Care policy is that it’s part of my salary package.

Great United Health Care's contract rates with doctors/laboratories/hospitals to keep them low as much as possible. Got up to 75% off billing charges. Great customer service despite takes time to respond. Sometime vague excuse forcing me to pay more.

I have a lot of experience with United Health Care. The good is that they are accepted at a lot of places as being in network. However one issue I seen with this is I had to take my son to the emergency room and when I got the billing back, the emergency room is in network, however the attending physician is not and is considered out of network. That is really sad cause I cannot say I want the emergency room but not the doctor. I have to watch their billing a lot cause they did not credit me for all of my payments for prescriptions but after I pointed it out to them they rechecked and found like three of them they never credited and then I got a refund for those.

I canceled my plan several months ago and every month they continue to charge me close to $100 just for Dental. I have called on several occasions and each time get assured it was just a glitch in their system and I will receive a full refund and a manager will call me back in 5-7 business days. Obviously I never receive that call and the cycle repeats.

Horrible disrespectful policies. Instead of looking at recent same year records I was refused evaluation by their doctor to establish primary care physician. I needed to find new doctor since previous went to Urgent Care medicine. Dr. Caesar ** held up his iPad and said he had to review a Emergency Room record from eight years earlier. He refused to let me see his screen or exact date. Optum was recent merger with health plan had ended more than 9 years earlier. I signed no HIPAA waiver. They believe they can access your medical records from any health group you ever had contact with, ignoring Federal Laws. He wrote a report that misrepresented our ten minute meeting when he only wanted to see ER report refusing to see current records. He wrote it taking old info from records years past. Bet he got paid for full office visit.

To go with them because of the Things that it covers. The advantage program is less expensive than all other companies advantage programs for what it covers, hearing aids they are covered. Eyeglasses are covered. Rides to the doctors.

Before the Affordable Care Act we had Blue Cross and it paid well. Now we have United Health Care Choice Plus (just don't get sick enough to use a hospital or their emergency room and maybe you can afford it). The premiums have skyrocketed and the services and payments have plummeted. Every year it pays less, we now have levels of generics! Even generic gout medicine you take during an outbreak of gout would have cost us over $60 even though that year our generic copay should have been $10 according to our insurance card, it was before the levels of generics was started. My husband declined the medicine opting for the cheaper heart meds he required.

My experiences with United Healthcare have been positive. The doctors have all been good although sometimes the wait to see a specialist is long. I'm not sure whether that is normal or if it is because of my policy. My biggest complaint is that it takes way too long to see a specialist.

I love the United Health Care from their choice of doctors to the easy app online. Its customer care is so helpful. Wouldn’t change my healthcare. They offer different plans for all income levels. My family and I all go with united health care.

They do provide insurance. However, they act arbitrarily with an attitude. They do not stand up for their insured. I had an issue with a provider who decided that he needed to raise my copayment. I called UHC and they did nothing. I pay more for a generic than I was paying for the brand. If you need customer service, forget about it. They know nothing and offer nothing. You are on your own.

Never had any problems with them paying my medical bills. I’ve been with them for many years and I am completely satisfied except of course the premiums go up every year but that’s to be expected. I would Recommend them. I don’t see any reason to change at this stage of the game.

Most doctors don't accept the insurance. My dentist and eye doctor does not accept this insurance. About from that I think the copay and the drug coverage is ok, but copays are on the high side. I used to have Cigna and it had a very good coverage and benefits.

Good coverage. Never any issues. Questions always answered satisfactorily. Co-pays are very reasonable. Accepted at most facilities. Claims are quickly available online, and easy to read and understand.

United Healthcare is alright. I wasn't the biggest fan of our benefits at the time. It was pretty expensive. They did have a great network for finding doctors easily which I enjoyed a lot. I would use them again, they're just not my preference.

Any customer service staff that I have talked to has resolved my issue on the first call. They know that I am calling before I talk to anyone. Every issue I have had has been resolved on the spot with speed.

I love the fact that we are able to use urgent care and virtual appointments. For that alone I would recommend to others. Another plus is medication prices are very low. They are also good about sending new insurance cards ahead of time.

I have been a member for more than 7 year, I am completely satisfied with their health care coverage. Health insurance is good, It has all the major service provider in-network. Its app is good and user friendly, customer care representative are helpful and good knowledge.

United Healthcare offered a new bind plan, which is an amazing program and the best insurance I have ever had!! It is customizable and affordable. I hope I can continue with this plan for years!! Normally I debate even bothering with health insurance but no more.

I have been having United Health Care insurance for, let's just say a very long time. Good insurance company to have but for the amount you spend to have it I think the percentage of coverage could be better.

United Health Care is very good at keeping me aware and paid. Even when I changed accounts I was still insured. Always sent me reminders of my medicines and doctors appointments. They have low affordable payments.

I enrolled in United Healthcare supplemental insurance a couple of years ago after Blue Shield prices climbed too high. United Healthcare premiums give a discount for a few years then climb, but not as much as others as far as I can tell. They have processed claims quickly so far.

United Healthcare seems to be very caring and encourages the subscribers to participate in House Calls or a Virtual visit which is what I did. They do follow up until they get you to sign up for an appointment. After the visit they reward us with a gift card.

My experience with United Healthcare suggests United Healthcare does not care about the customers. The Customer service line hold times exceed an hour. Then when they answer the agents don't have any way of helping solve your problem. Their only role is to take your information and send it to a "black Hole", where you never find out any resolution. I would strongly recommend another company. Anyone would be better than United. I am switching!!!

United Health Care customer service is BAD! They either don't know what they are taking about or they are rude and have an attitude. Today's experience [not the only bad one]. I read that Original Medicare covers 12 acupuncture visits for low back pain. I checked my Medicare Advantage Plan and there are no acupuncturist listed so I clicked on the button to ask online. It took 4 days but I got a phone call to call customer service and give them a reference number. I did that this morning. Unfortunately I got a representative that was rude, had an attitude and told me he didn't know what I was talking about that there was not one within 100 miles. I have to admit before I said something nasty I hung up on him.

Placed online applications for pre-certs for diagnostic procedures. Was blocked from site and can no longer do anything for UHC patients. Called the eviCore website and they constantly hung up on me and said the procedure has been denied. End of issue. Can not prior authorize anything for UHC patients. If you input the information of the patient and the doctor's office and they don't want to talk with you. The system hangs up on you. Meanwhile the patient does without.

After I was told one of my essential treatments for prostate cancer was pre-approved, United Health Group denied the claim. Testosterone lowering drug, my doctors prescribed, was denied after the injections.

I tried to use my United Healthcare Medicare Advantage for the first time today to get my flu shot. I was turned away at Walmart. They would not accept the United Healthcare card. Even though their web site and benefit documents show they cover flu shots, they apparently do not. The interesting part is that Medicare covers the flu shot, but not United Healthcare Medicare Advantage. I'm not sure how they get away with that.

I am a type II diabetic. As of September 1 UHC said they would no longer cover **, which my doctor says I really need. Instead, they want me to take **. So, first, tried to get last refill of 30 days worth of **. $622, but $122 covered. So generous! $500 for 30 days! Who has that kind of money? I blame Janssen, too. Ridiculous amount of money. So, got my doctor to sent ** prescription. Got a call from the pharmacy saying my prescription is not covered. After 25 minutes on the phone I finally got the rep (Ellen, who was nice, at least) to say the doctor had to come to UHC for pre-approval. Never a mention of that in the letter or the response from the pharmacy. I am recommending that my company go back to to Blue/Blue Shield.

The providers they list in my account and website either do not exist or are no longer a provider. Living in a town with mostly seniors you would think you could get basic services like a family doctor, dentist and or a Chiropractor. Not even at our Peace Harbor medical center do they have these services for United Health Care: no providers in the network. Spent hours on hold just to be told, "Sorry we no longer have any of those services for your insurance."

United Health Care has worst customer service of all major carriers. Call to obtain info on why I was billed for Telehealth visit when law clearly informs Waiver of copayments: simple error to correct. I was put through five (!) calls, not one rep could assist. The pattern: put on hold by rep to to ‘look’ up policy, an automatic hangup after a ten minute wait. Easier to pay the bill. Don’t try calling Grievance Line at 800-624-8822. It isn’t that at all, even though it states as much online. The last rep apologized for others then hung up on me. Here is LAW As stated on Google:

I was having a full blown panic attack about my daughter insurance as it has taken a LONG time to get it all figured out.. I just want to give a HUGE shoutout to Jackie who answered my call as soon as the phone lines were active and was unbelievably sweet and understanding with me. Thank you Jackie for making my day easier. Amazing customer service.

if you want to die get this insurance. I am change for next year. If you are in pain they will only give you drugs or surgery when there are things that work. Horrible insurance. I think they put a paper on the wall and throw a dart approve or deny. They approve for one Dr but not another. So much for do no harm. I guess that only applies to Dr. Silly me.

They have screwed up on billing on multiple occasions, and accidentally double-billed me then gave me check for it then asked for me to pay them back for it. A customer should not be charged for something that the organization made. I have called multiple times for the past few months to resolve this issue and they still billed me. This is absolutely ridiculous considering that's it been 10 months since my doctor's appointment. Don't ever use them for insurance ever!

United Health Care is a well-established health insurance company. They launched brand called Golden Rule which is aimed at consumers requiring short term insurance. The monthly premium is responsible... from $21 monthly and up. I signed up for a plan that was $80 a month for health and $25 a month for dental to research their services and business practices. I came to realize that their plan are don’t cover anything... nothing... not even the most basic. So whatever your premium is... you are simply wasting your money.

United Health Care offers $50 per quarter of free over-the-counter goods to members. Good idea. Walmart bungles and abuses their handling of the delivery of goods. 1. They change the amount of the product you want to purchase after you submit your order 2. They do not tell you that they will not ship what you asked for if the amounts are then different. 3. If you call them on it, they offer you a credit for something they decide is 'out of stock', but it's only good for a month, and can't be applied to the next quarter's order, even if the amount is too small to buy anything in the catalog during the time the credit is good. Good way to cheat seniors who can't figure any of this out, and offer no help if they call in. Sad. Pathetic, unfortunately typical Walmart.

I have been on the phone with this company in an attempt just to get them to input correct information in their system as to begin date and cancellation date of previous insurance... 5 times in 2 days (after registering and confirming over 4 weeks prior).... 5 reps - 5+ hours, hold times 30-45m+ and reps who cannot answer simple queries, They apparently are incapable of correcting incorrect input by their own reps or in relaying correct information to customers.

My husband went to a residential treatment (in network) facility for mental health issues and substance use disorder (alcoholism) with the intent on staying for 4 weeks (a typical treatment duration). Based on the professionals' assessments at the facility, they were recommending 6 weeks total. United Behavioral Health denied coverage after 12 days of treatment. We were notified of the denial until several days beyond the 12 days. We ended up paying for the additional 4 weeks out of pocket because he needed the help. Sadly, even with 6 weeks of treatment, the outcome was not good. I would hate to know what it would have been after only 12 days. The United Health People on the phone are very nice, but the powers that be appear to have no heart.

In a world where there are so many checks and balances put in place to verify a patient is the correct patient. It baffles me how erroneous and incoherent United HealthCare is regarding their record keeping of their members. For 5 years my son has always had his middle name on his insurance card. He and his Grandfather share the same first and last name. However, that is where the similarities end. They have different birthdays, different middle names, and obviously different social security numbers. Despite all these differences UHC since March 2020 has been denying my son’s claims stating that he has another insurance. (Coincidentally it's another UHC plan)

Advise no automatic payments with United Healthcare unless you want to contact them due to a problem after the death of your loved one. Try not to die till the end of the month in Arizona because you live in a state with no pro-rated refunds. They say my mother's death was recorded in the system, but the "other department" took another payment the following month. They say they will return it. If not there is always the banking system, the Attorney General, social media, TV news, and letters to AARP magazine.

If you live in New Mexico and access to fitness centers to you is important, DO NOT enroll in the Cadillac United Healthcare supplement program “F”. It does not cover fitness center membership in New Mexico. Really? This is a company that encourages us seniors to be active and exercise frequently. Must be just PR -fake, or they would quickly include fitness centers as a benefit to plan F. We had Plan F in Colorado and used various fitness centers in Colorado, Oklahoma, Texas or wherever we visit. Now-no fitness centers although our premium for husband and wife increased $60/month after moving to NM from Colorado. Stay away from Plan F in New Mexico if membership to fitness centers is important to you.

I inquired about a health insurance quote. Max quickly ran through everything faster than I had time to process. He then asked for my social security # and bank routing #. I said, "No I wasnt comfortable giving that @ this time." He got aggressive and said said he was not going to grovel for my business and called me nasty. He hasn't seen nasty... yet!

United Health Care has denied paying for a stress test for my heart. I’ve almost passed out twice and the doctor has recommended the test. UHC believes the test costs too much. The cheaper test isn’t available due to Covid-19. My option is just to wait to die. Thanks UHC.

This benefit is a joke! Not only did they reduce the benefit this year from $80 to $60. And not only that, they require you to use it each quarter or lose it. Since I only found this out on April 10, 2020 I called to ask for a one time credit. They agreed and told me it had to be used before June 30. To my dismay the credit was removed on April 30. They refuse to credit it back. It’s like they don’t want you to use it or at least make it difficult. The plan last year was a different group and it was customer friendly. Also, the catalog changed to Walmart and the selection downgraded. UHC needs to know what a joke this is.???

I have had Part D coverage with United Healthcare since 2018. I received a letter from them on June 4, 2020 stating my policy canceled as of May 31, 2020. When I called, I was told the cancellation was due to my move to another state. The move occurred in 2018 and United Healthcare had been sending me correspondence at the new address since 2018. One letter I had received several months ago asked me to confirm my current address. I called and spoke to a representative who informed me the had my correct address and everything was fine.

Thank you Mr Wichmann CEO of United Healthcare for giving us back the Houston Methodist Hospitals and their Doctors as in network provider. You have no idea what it mean to me and my health issues. Again, a very appreciative thanks.

The worst insurance ever! I paid for my insurance then got another insurance thinking that it would be fine to cancel UMR student resources. They refused to cancel my insurance!!!! This insurance does not cover anything except a regular visit to a primary doctor ....Please stay away. This is a SCAM!

July 2019 I needed two root canals done. Got my referral approved, used an "in-network" endodontist, went to office and was told the dental division of UHC said I did not have coverage. Paid cash since the pain was unbearable. $2500 out of pocket using a dentist in the network with coverage I have. Put in a claim in August 2019, UHC keeps going around in circles "not referred", to "no coverage" to "out of network".

After multiple years of paying for allergy shoots for our son, UHC decided in October of last year that "allergy shots are not medically necessary" and that basically anything to do with allergy medications or healthcare is junk science. This change occurred in the last quarter of our policy year, so it was a change midstream of coverage. We actually increased our policy in January and they still refuse to pay for allergy shots. The "Doctor" that reviewed whether allergy shots are medically necessary? A plastic surgeon!! How bad of a plastic surgeon do you have to be that you are sitting behind a desk reviewing paperwork?

Absolutely the worst health insurance I've ever dealt with. The whole notion of saving money by using a "preferred" provider is a "bait and switch" sales pitch as far as I can tell. They can't seem to provide accurate information about who my preferred providers are. They frequently bill me inappropriately, so every bill turns into a hassle. I was in accident and spent the night in a hospital. They hospital set me up with some follow-up appointments. Turns out there are no "preferred" providers within a 50 mile radius so I'm stuck paying higher fees, or traveling long distances and experiencing delays getting appointments. It's also a hassle getting referrals from my primary care provider (which United Health Care just dropped) to go see specialists. All and all, everything about United Health Care is a complete hassle and they're still just as expensive as their competitors.

44 mins and the 4th rep has dropped the call. No call backs. I understand this is a tough issue but this is unacceptable to have every rep ask my info, then ask the reason for the call, then dead air, then the 2 beeps and I look and then call has been hung up.

I have been sick with a severe respiratory infection for over a month. I can't hardly breathe, if I lay down I can't breathe at all. My pulse ox is in the mid 80s. My Dr. Prescribed a steroid for in my inhaler more than 15 days ago. He has filed several speaks to no avail. They say that

Yesterday, I filled a form to get quotation and see different planes. The lady on phone directly transferred to enrolment without asking anything. She only asked my age and if I could pay 300$ per month and she said “okay, 300$ monthly plan, debit or credit?” I told her that I want to learn about plans and want to see them written. She told “We DO NOT give written information (with an angry tone!?)”. I asked the same question again and she responded “If you’re not gonna enroll why are you calling?”. I hung up right away... Is this a joke? I have concerns that maybe UHC is forcing their employees to work by force. How UNPROFESSIONAL and RUDE. I have seen bad reviews about UHC but, I wasn’t expecting this bad. RIDICULOUS!

United Healthcare has some great workers but either they train them to lie or that are totally clueless. I had so many representatives assure me that they pay up to $1,000 a year for dental and that my dentist was in their network. Well, I went and had some fillings done and had an extraction of a tooth that the nerve was exposed. I sent the bill of $930, to them thinking they would pay at least $500. And to my surprise they sent me a check for $71.00 and said the rest was not covered and denied paying any more.

On March 18, 2020 I called United Health Insurance regarding they have not received my premium payment for health insurance for the months of January, February and March. I checked with my bank and the $192 premium was being sent out but discovered it was mailed to the wrong address. It was inadvertently being mailed to the address for prescription coverage through United HealthCare, which I was also sending a check in the amount of $33.80 for its premium. I requested my money be returned to me so I could pay my health insurance premium. I was told the money was applied to my yearly premium instead. I told them I did not want this to be applied especially since the amount was well over the yearly prescription premium. I was then told they could send me a request for reimbursement which would take about 7-10 days for me to receive and it may or may not be approved, which would take another six weeks.

They ignore all communications regarding Optum Rx, who insists they will send wrong rx no matter what you tell them over 10 times, tried to cancel account over and over, they just ignore me. I call them and they just forward me to optum who ignores me again, then sends email saying they will ship....

I know we don’t have a choice on which insurance provider to be a member when it’s an employer selected plan. However, as we all feel overwhelmed and helpless this is a sure guarantee company that you will wind up with medical bill denials 3-6 months after service with amount due immediately. The typical lengthy appeals process that is hours of paperwork via snail mail to only get the entire thousands of dollars denied is typical practice for UHC. They only care about their profit margins and nothing for patient transparency and support.

This is one of the worst companies you can deal with. They refuse to pay claims, having bills hit your credit report. When you call in to talk to someone, you get transferred to other people, hung up on and always told the person who can help is not here today.

United Health Care refuses for me the treatment my doctor has prescribed. I am suffering at home waiting for my doctor to convince my health insurance that I am worthy of treatments. I don’t know why United healthcare thinks they know more than a doctor but they are preventing me from getting better.

After a long time battle with United Healthcare Community plan, requesting and denying more hours for both parents 82 and 80 with Alzheimer’s. They had 25 hrs/ week for both of them, after my father is very ill at a hospital and he is going to a nursing home, theirs case manager approves 22 hrs for father. My mother’s health is declining fast, I sent a sms to Christiana (case manager) and again, she said there are not major changes for her to do a new assessment. Mother was at hospital for 24 hrs 4 days ago and her PCP is requesting more care for her. I’m the only caregiver, on permanent disability and can’t take care of mother 24/7. Will United Healthcare approve more hours for mother when she is critical ill as my father? My mother receives 15hrs/week, meaning 3hrs/Monday-Friday. Do you think it’s enough for Alzheimer’s patient? Mom doesn’t need help during weekends?

UHC only agrees to provide you with the cheapest options available to it and will deny coverage even if your hospital agrees to provide a better therapy at the same price! It is a huge bureaucracy which provides the minimal care required by law while its executives fly around in $50 million dollar private jets with private flight attendants to serve them (this is a fact, not an exaggeration).

I've been denied transportation to the doctors of my choice in Florida. When I call to schedule trips, they cancel my trips. I do not know what to do now that I can't use transportation services to get to my doctors.

I had to purchase All my medical devices without Any help from UHC. Mobil Hoveround, wheelchair, 2 4 wheel walkers, 1 2 wheel walker, 2 canes, bathtub slide chair, CPAP, etc. No reimbursement at all. This UHC company would Not Ok a consultation with USC Keck Hospital for hip replacement and femur bone rod removal. Lousy doctors and terrible managers and worst of all. Cheap. I now wait to pass on with ** pain pills for 1 more year to live. Don’t hire this company.

To all Employers who are considering United Health Care, please do not subject your employees to them. My company switched to them in October of 2019. At that time they said they required pre-authorization for a medication I have been on for over 10 years. They of course denied coverage. After three months of appeals, and many hours of work by my physician for which she was not compensated, they have given me a final denial. Please bear in mind, this is a very necessary medication due to a chronic medical condition with my lungs. I have been paying over two hundred dollars per month myself, plus my absolutely worthless insurance premiums. I have been with my Employer for many years, and we have had three other insurance companies before and this medication has NEVER BEEN DENIED. They should be ashamed of the way customers are taken care of.

I’m with providers office and I haven’t been able to get anyone on the line in almost 2 weeks to verify eligibility. Their hold times are over an hour and when they do answer, they just say they’re having system issues and cannot answer calls. The website is also not working. It’s beyond frustrating. I even tried calling a higher line for support, no luck. They just say they cannot help.

This company will take your money but will fail to provide the care that you need. Will approve a stress test for my heart but will not approve the second part of the test because THEY don’t feel I need it!! Hello chest pains seems like a good reason. Would Definitely try and find a different provider as these guys are only concerned about money.

I absolutely LOVE UHC! I call their customer service line for many patients. Being in the medical field it is important to be prompt for our patients' health. This is the best insurance ever! Hands down! They always answer my questions and concerns. They are very efficient and great customer service. I honestly wish all insurance customer service representatives were like UHC. They have everything organized, coordinated and situated. They always know where to send you and exactly how to answer your questions. UHC you are amazing and the BEST!!

I haven’t decided if it would better to be attacked by killer bees or have this parasite while being under the UHC Medical umbrella. I had them for almost a year and the best part is when United Healthcare UHC, knows you’re sick, you’ve been to doctors, the CDC, infectious disease specialist and in the 9th hour they deny medication that costs $29 in other countries but $1700 here. Now that’s some dirty BS. UHC, worst coverage, excuses and people ever. They’d stand there and watch you die if they knew it would save some cash and oh yeah let’s not forget their million dollar cash year end bonus. I’ll betcha if one of their children had this they’d be getting the good meds the same day. Discrimination at its finest. I swear people stay away from this company. You just stay sick and pay them a monthly premium for being sick. “Livin the Dream.”

First of all if I could give this company a 0 I would! I applied for their supplemental health policy along with the RX with United Health Care. They lied to me on 2 different occasions about the supplemental plan just to get me to pay $79 a month for the RX plan. NOW my healthcare coverage from another company was cancelled because of them! And they didn't even accept my application for their supplemental policy!!!! I have NO other coverage other than Medicare until March 1st. If you want a company that cares about you, call Humana!!! They are very easy to work with and DO care.

Pay these thieves over $400/month & every time anyone in the family goes to our local ER or Urgent Care they state that they accept UHC in their "network" however once all is said & done UHC states that certain individual doctors that may have seen somebody are not "in network" & flat-out refuse to pay anything claiming one would have to ask prior to treatment whether or not a potential doctor who may step in the room is in their "network". Well, here's a scenario for you UHC....what if I'm rendered unconscious & bleeding profusely & arrive at my local ER, how in the world am I supposed to ask anybody anything in regards to them being "in network" or not, then they commence to bringing my near-corpse back to life & I get hit with a $1,000,000 bill because none of them were "in network" even though the hospital claims they take your confusing insurance?? Answer me that!!!!

My 24 year old daughter developed mental illness. She was in her 2nd year of graduate school and at the end of summer break 2019, she went out of state with several schoolmates and her college roommate. The trip was across the country via airplane starting in Reno NV area and making their way towards San Francisco CA. The 2nd-3rd day of their journey, my daughter developed mental illness and is now in school again, doing well. Her roommates and classmates knew something was wrong and called 911 to get her help. She was hallucinating and believing things that they knew were not true, and for her safety she was taken from their hotel room to a Napa hospital nearby. The Dr had her sent to a crisis stabilization unit for a 72 hour hold/evaluation. The ambulance service, AMR American Medical Response filed a claim with United Health Care insurance for payment.

Recently switched to a new insurance AWAY from UHC. Thank god. Dealing with UHC was a nightmare. I'm 2 months into my new insurance and I have yet to receive reimbursement for 2 pharmacy claims I submitted 3 months ago when I was still covered by UHC. I snail-mailed in the physical claim form, as directed by a UHC representative over the phone, which is a very outdated and sketchy process to begin with. My original receipts are now in UHC possession and guess what?? They lost them! A few hundred dollars may ultimately be gone.

This is the worst insurance coverage I have ever had! The deductible is $6000/yr for 2 people so I basically have no insurance and am paying for monthly coverage while still forced to pay to see the doctor. They don't even cover prescriptions until the $6000 deductible is met, $95 for antibiotics is absolutely ridiculous. Next open enrollment I will opt out of this coverage, it's cheaper to save the monthly insurance cost to actually use towards your medical expenses. This is nothing more than greed and lack of regulations.

I recently took a new job and had to change my insurance along with it. I swapped from BCBS of Tenn to UHC. The change came with following changes: Increase from $25 to $40 for a copay- doesnt count towards your deductible. Increased cost for my medication. Example being, I was paying $4.68 for 2mg of **, they raised the cost to $26.58. This same type of increase happened with 4 medications. I was seeing a therapist as required so I could continue medication management. They didnt like that he had an LPE licenses and deemed him out of network netting me a $225 bill. They didnt even pay out of network costs on. All of this has increased my monthly medical bills to slightly under $400 from roughly $100 I was paying. I would not recommend this to anyone, and if I could give it negative stars, I would.

United Health care is the bottom of the barrel. That is saying a lot given the overall crappy condition of most health insurers. Everything is so difficult and they throw up multiple barriers to get your health care and medication. Plus, they charge a small fortune in premiums, co-pays, deductibles and co-insurance. This is not really health insurance. It's paying them lots of money to fund their bureaucracy to put roadblocks in your path. It is more like extortion. Stay far away form them!!

My company decided to change insurance companies on 9-1-2019. Prior to that date, a rep. from All-Savers and Daniel and Henry came to our office to go over the new plan. I immediately asked the reps. about an upcoming surgery I had planned on 9-24-2019. Since I had already met all deductibles and co-insurance with my current carrier and wanted to know how this was going to play out. The reps. told me that ALL deductibles and co-insurance would be rolled over. This was witnessed by my wife, the owner and 9 other people. On 9-24-2019 I had my surgery and did not expect any bills. However around mid December I started receiving bills from the hospital, doctors etc..

I selected these companies to provide my long term care medications which I like to buy via mail in every 3 months. My experience so far has been horrible as OPTUMRX is the outfit that takes care of such business. Had had problems with incomplete/missing shipments, errors in dosages, incorrect charges to my credit cards and, disjointed communications within United Health Care and OptumRX. In my first 28 days of relation I have spent hours on the phone, to no avail. AVOID THEM AS THE PLAGUE!

My medicare is through United Health Care & the customer service is very good. Few days back, I received a penalty notice from united health care for prescription coverage. I was advised to contact SS & SS told me that no penalty for medicare b hence prescription should not have penalty. Medicare sent a note to united health care on my behalf and advised a time frame of 4 to 6 weeks to get it resolved. Interestingly, united health care case manager Loretta ** called me next day & assured me to resolve it asap. She called me today (third day) & informed me that the case is resolved in my favour. Is it not an awesome service? Thank you Loretta! Thank you united health care!

SO, I wrote to United to tell them I can get my 4 prescriptions from Publix, the local store, for $12 monthly in TOTAL. United wanted to charge me $45 for a 3 months supply of ** ALONE! When I wrote them they said: "Sorry, we don't check our prices against competitors!" That's for sure they were and are happy with charging me 3 times the price I can get on my own. The fact that they said they really dont care is what pisses me off.

I can't stand United Health Care. They don't care about AHCCCS patients. My son had to leave Carefirst and go to United health care because ahcccs won't use Carefirst as a health plan for people with special needs. Ugh, I'm so frustrated already. Pharmacy (Walgreens) even stinks cause that's who united health works with. Man I wish I was rich I could get my baby on a health plan that cares about people with special needs.

Terrible experience with United Health Care. They basically costs us close to $2,000 to $2,500 above what we would expect for a normal birth (of our daughter). They charged a $250 deductible which applied to many routine visits for imaging that were recommended by our doctor. Total cost for imaging visits out of pocket was over $2,000. Also, if you ever leave the country they do not cover any travel vaccines, which you would think they would want to cover as a measure of preventative medicine.

Running a scam with NEGMC ER. Doctors are not in network so they take your money for the ER co-pay and then don't cover the procedures close to what they cost at all since the doctor is not in network. If my work offered anything else I would take it in a heartbeat.

I liked the old way. I sent in order and still haven't received it. I called to see if they got it. One lady said no and another one said yes but who knows when I will get it. The other company was fast and reliable. I love the ins though. Never had problems with them. Just this product change. Go back to the other place. Thank you.

I had to have an emergency hysterectomy at the age of 38, not ideal, but it was an emergency. I was basically bleeding to death and they won't cover the bloodwork or the surgery because they feel it was unnecessary. They also would not cover my Pap smear, HPV test, and pelvic exam. They also will not cover a mammogram that was ordered. So what do they cover? I keep asking and I get zero answers. Maybe they are going bankrupt or something!

I just tried to get an eye exam which was supposed to be zero co-pay according to my plan. They said that would be a co-pay but because it would be Medical not an eye exam. Also 1 prescription could not be filled at Optum RX because it was considered medical and not drugs which is ** for a nebulizer. When I signed up for this plan I was told the premium was $14. When I got my first bill the premium was $29. Between December 2019 and January 2020 my premium doubled. I am very unhappy with United Health Care and I actively looking for another plan with another company or dropping Part B all together and just waiting to die. It seems United Health care doesn't care if I live or die.

I have seen one PCP in 9 years, just for him to tell me he was leaving my network. Spent so long on phone with full charge till it died. The whole time while they searched for PCP, they waste tons of money sending letters with new PCP on card, and they don't accept new patients. I had a triple bypass in 2011, and I need to see a Primary doctor. They assigned me doctors in other cities, this company doesn't know what is going on in their own business. Why all the letters and new cards. What a waste of money, with no actual doctor's available.

UHC changed my health benefits amount from $ 275. Per quarter to $ 150. I did not change my plan. I am 70 y/o senior lady on SSA of less than $1000 per month. I have called, messaged on FB and no one in the organization can tell me why this was done. I am in Alabama and receive Medicaid as well! This company is the epitome of United "do not care" stick it to the old folks agenda!

If you don’t want to waste your money don't pick out this company. Last year they didn’t cover anything to me, I went to an urgent care because I had a fever of 104 and had to pay a full amount because they said it wasn’t an emergency because I had tonsillitis. Then I went to my gynecologist for my annual check up and I had to pay full again because it was a preventive care! Those rules doesn’t make sense!

We moved recently from MA to RI. My son has been on a certain medication for the last few years. They made my son's Dr submit forms and also made her call them. This still wasn't enough. She now has to send them proof of other medications he has taken and when for the last 5+ years. I have spent several hours on the phone with them to no avail. My son has 2 pills left which he takes daily and they don't care. This is wrong on so many levels. I am appalled by this absurdness. So, I have no options but to have to pay $200 a month for his prescription until, if, ever it finally gets approved. I don't understand how they can deny a 10 year old child medication that is needed. I don't understand how this is even legal???

Tested positive for Cancer, they cancel bone scan, they cancel contrast mri, the day before the procedure, these procedures are necessary to see if the cancer has spread, they still refuse, it's horrible, inhumane treatment of people to the core, what if it was their child, husband, wife. It is their policy to do this, and ask for peer to peer with your doctor to try to deny you, it's unbelievable. Thanks Obama.

HATE THIS COMPANY!! If it wasn't for the fact that it was chosen by my employer, I would leave them immediately. My doctor asked for a heart procedure - it was denied. A peer-to-peer review was done and it was denied. Finally an appeal by doctor for urgent review was also denied. They now have 17 days to make a decision. I believe they decided that it's cheaper for them if I die from a heart attack than it is to treat me.

I needed to get Physical Therapy done and I called a Facility close to me that confirmed that they are in network for my insurance. I also checked and confirmed that they were in network for UMR/UnitedHealthcare website. In addition, I also called Grand Rounds (3rd Party that helps with insurance questions for my employer) and they also confirmed that this facility was in network.

Been on the phone for 2h and 6min and still have not been helped. This is so disrespectful to customer that even the government should get involved and make this big profits company have a minimum wait answering service.

UHC has provided an array of quality products with an allotment covering 100% of cost until maximum amount is reached. Free shipping was a benefit, also. The online ordering process was quite simple and understandable for anyone familiar with PC or smartphone processing. Beginning 01/01/2020, that all changed. Though a member can still order by filling out and mailing handwritten orders, or calling an ordering by phone, the online procedure has become much more complicated and lengthy. UHC has partnered with Walmart, so the app sends the member to Walmart’s webpage to select items. Shipping is free with a set minimum $ amount. Rapid delivery is offered, but only on some products, and if a product isn’t available for quick delivery, then it will delay the entire order.

My son has blood in his stool and a large lump in his throat, they think he may possibly have cancer so the doctor sent him for some test and they denied them so he was unable to get the test done, something must be done about this company. If my son dies from cancer because of them I'm going to sue them.

Every time I go to the doctor or get medicine my claim is denied. I keep on calling for preauthorization and so do my doctors yet they keep on denying every claim. This is a fraudulent company. I am surprised they are allowed to do business.

I have NJfamilycare coverage until 12/31 but somehow United-healthcare managed change my NJfamilycare plan and made Medicare as primary where it shouldn't kick in until 12/31 since I have NJfamilycare which I get all coverage. But with Medicare I do not get prescription drugs since medicare didn't provide me plan D. I called united health care 15 times, wasted my whole day but they managed to not help and didn't change my coverage NJfamilycare from Medicare which they changed originally without my permission. I am still not being helped and got screwed over with it. I am planning on moving from united healthcare to another company. Thanks for screwing me over and change to medicare from NJfamilycare without my permission where NJfamilycare was covering for me everything.

I recently visited Peachtree Immediate Care in Fayetteville Georgia after being hit in the face during a sporting activity. It was a Sunday so my Primary Care Physicians office was closed, I figured I would go to the bottom of the priority list at the ER in addition to it being more expensive, and did not want to risk needing to have tissue debrided if I waited until Monday.

I scheduled a round trip to a doctor's appointment on a certain day with a week in advance. However, they never sent a driver to pick me up to the doctor's office nor they never sent one to pick me up from my doctor's office. After waiting for fifteen minutes for my driver, I called United Healthcare to let them know that no ride showed up to pick me up at my place. The rep who answered the phone said he was having difficulties getting a hold of the transportation company they utilize. After ten or fifteen more minutes on hold, the rep told me he was going to send a Lyft driver. AND, after another ten more minutes on hold, the rep told me he was having problems sending me a Lyft driver as well.

My daughter had eye appointment on 9/4/19. Well she lost her glasses in November. When I called the eye doc to get a replacement pair they stated that United health care has to deny the glasses and so that her secondary could pick up and cover the claim. Well here we are 12 weeks later from the date of service and all they do is send you in circles. All we needed was a simple denied letter for the provider. Horrible horrible experience after calling time after time and being put on hold time after time hopefully the my kids eye doctor resolved the issue and put the United health care representative in their place. My fiancé will be removing my children off his insurance after this horrible experience!

The worst insurance ever. Haven't been able to see a doctor since July. It is December. I am disabled. Sent me to 5 doctors that can't see me; too busy to see me; not taking new patients; 80 Miles Away; Not in Plan. Checked my phone bill since July. Have been on the phone with United Healthcare, still do not have medical care, over 90 hours? Have TBI; PTSD; Auto-Immune Disorder. This insurance company is making my health; disability worse and MY LIFE MISERABLE. If I could rate 0 stars I would.

I have had United Healthcare for the past 3 years including their dental plan. I recently had a wisdom tooth break and was referred to an oral surgeon to have all four molars removed as they are partially impacted and causing issues with my teeth. UHC refused to pay for all four to be removed because "it wasn't necessary." I inquired about the broken tooth and was told that I would have a charge of $90 for the extraction but the insurance wouldn't pay for some other stuff because it was just one tooth so I would also inquire a charge of $455. They flat out refused to pay for ANY of it.

I had called at least 6 other times in regard to a prescription being denied after being filled through this Insurance for almost 2 years. Unfortunately nobody I spoke to gave me accurate information. I tried one more time because I had to get this prescription filled and time was running out!! I got a customer representative named "Elizabeth" (she was from Ireland, I could tell by her accent). She stayed with me on the phone every step of the way. She took my number so she could call me back if we got disconnected!!! NO ONE HAS EVER DONE THAT BEFORE!!!!

I am a single parent of a son who was born with down syndrome. June and September, 2019, I had two back surgeries. I currently have severe damage nerves in my back. I also have a bad leg and I wear a foot brace on my left foot. I have restrictions on activities. During a follow-up visit with my surgeon he wrote a medical script for me to receive a house hold aide to come in and help around my home. This was submitted to United HealthCare on November 13th 2019. I followed up with United healthcare the same day and was told to have my provider to call the provider telephone number for United healthcare. I was told by my surgeon's assistant that no prior authorization was needed for the aide.

Had this insurance for 3 years on a short term plan. They were ok at first but after first year their customer service became horrible. They don’t pay any claims just take your money. Had a surgery last year that would meet my $10K deductible and United Healthcare GOLDEN RULE would not agree to pay the $1500 over on a 100% plan. I wound up going through billing and having them reduce the total amount to $9k and paid. Now the company denied my renewal for this year. Completely dishonest as their reason was too many claims? IT WAS JUST ONE CLAIM THAT I NEG DOWN AND PAID? Guess I’ll just have to give all my info and get on the Gov TEET **? Looking for changes in 2020 after re-election.

If you are unhealthy or overweight they discriminate against you. This is not a good company to get coverage. They say that I’m forced to get government insurance which is more expensive. Would not recommend on any level.

Before leaving a previous employer, I called United Health Care to determine when my last day of coverage was. I spoke to someone on the phone on 6/21/19 and informed her that I was leaving my position on 6/27/19. She informed me that I had coverage until the end of July. I asked her to double check and she confirmed. I later found out, on 8/1/19 that this was not the case when two visits were being billed in total of over $900. I called United and 8/5 and the supervisor I was referred to, Shirley, looked into my case and confirmed that the representative listed that I was covered until 7/28. She said she would need to listen to the recorded call and would follow up.

Overpriced compared to other Medicare advantage plans. I am in Marin County, Ca. To make it short and sweet United Health Care has no competition in the county that I live in. They offer very little for the premiums that they charge. We have Kaiser or United Health care...no other choices. We need more Health care companies in Marin.

UHC continues to pay for less each year we have them. We always stay in network and then are surprised when we receive bills that were once covered by copays, that are now coinsurance, with them only covering 20% until we reach our limits. It's very frustrating that each year you have to go through every service to see if it will be covered the following year. My insurance rates go up every year but they cover less each year. We've been with UHC for quite a while but this will force us to change next enrollment period for costs alone.

United Health Care is denying my claims due to saying they needed my PCP to send a referral through electronic through a provider.com website. I took the referral given to me to the specialist and I have no idea that was needed. United Health Care gave me the run around for months now. Telling me to fax or mail the referral and put my appeal on a piece of paper. They don’t even have an appeal letterhead for me to send to them. I don’t know what to do about this 1500 dollar claim out here. I’m lost.

UHC had done a lot to make a great website. I will credit them with that. However, when their claims coverage decisions are contradictory to what is stated, then that is cause for concern. My plan clearly states that MRIs are covered under my plan and they did cover the "MRI". However, they did not cover the dye injection required for that procedure to the tune of a surprise $1000 that I had to pay. How am I supposed to know how things are going to be separated out into separate "uncovered" categories? During any procedure you will deal with many different individuals any of which could sock you with a separate bill for an uncovered "category". This is madness and I feel that they arbitrarily denied my appeal because they can get away with it. The government forces you to get insurance and then they don't pay.

United Health Care Provider Services line is the worst customer services line in this world. For any kind of plan you will get connected to same call center somewhere in India. Representative and their supervisors are completely worst. Most of their different department phone numbers are not in service. I have been calling for one member since last 30 days. Member has Cosmos plan and UHC’s cosmos number is never working you will end up wasting time and efforts as they will transfer you here and there. Worst part is even supervisor Anthony transfers you to a number which is not in service stating that he will do warm transfer. Worst even provider service.

One month ago a rep from United Healthcare recommended that my wife and I change our Medicare Supplemental insurance from Plan f to plan G because we would save money. Got a letter from United 3 days ago that said my insurance cost would double if I switched plans. Gave me two sets of reasons: first they gave three diagnoses for illnesses I supposedly have, one of which I don't have and never have. Second, they gave me the names of three doctors they contacted, one of which I have not contacted in five years, and one I don't know and have never seen as a patient. Interestingly, they never contacted my primary care doctor who could have gotten all this straight.

This is the second time I’ve received a mail ad from this company. Both times it has said important Medicare information, second notice on the outside of the envelope. That’s exactly what I saw first both times. Important Medicare information, second notice. Since I have family on both Medicare and Medicaid I instantly thought it was something that I had missed and it was important and I need to open it up immediately, which I did. If this company truly cared about their clientele they would not send out envelopes like that. I have enough stress in my life. I don’t need an envelope that says second notice on it in my mailbox. Screw this company. I will never use them!

Every script needs a prior authorization. They want to tell the doctor what to prescribe. Where do they get off practicing medicine without a license. My wife worked the public school system for over 20 years and the only prescription service she can get is lousy Optum. I am contacting my state senator and my attorney to file charges against them.

Informed them over a month and a half ago of death of their member. They said they would prorate and refund the premium recently paid and close account, and that the refund will be to me as early as 3 days or up to 30 days... A month and a half later, no letter, no check, no nothing, except bank charges showing they are still auto-drawing out of bank for premiums from a dead person. I called to find out why and any other information to have this taken care of.

First I never received my insurance cards even though they said they would mail it. Then the hold time is 30 minutes or more. I actually was on hold for over 1 hour. I tried to register online and received an error message telling me to call the 800 number. The 800 number told me she couldn't help. I had to go online. I couldn't get it to work. I decided to cancel early and they claimed even though I cancelled 10 days early there was no refund. Worse experience ever.

My small company has been offering health care for 50 plus years. The past three years we have been offering United Health Care, Oxford. Two or so weeks ago I woke up Monday morning with a very heavy chest... Felt like the dog was sleeping on me, then left arm was tingling. Got up and issue dissipated. Went to work and called primary doctor at 9:00. Answering service gave me an appointment for 3:00. (Doc was later pissed at the answering service for not sending me right in!)

I have been with two companies that used nothing but UHC for employee health care. UHC was ok until about three years ago. I went for my annual physical in early 2017. Shortly later I started receiving bill for lab work. When questioned, I was told that the lab was out of network (same HMO I' gone to for 15 years). A few weeks later I received a bill for the doctor visit. Again, UHC responded that my doctor was "out-of-network". Appeal denied. A search of UHC website return that the city I live in (250,000+) had NO in-network hospitals, urgent care, provider clinics or doctors!?! Co-worker was forced to travel 60 miles to a "in-network" cancer treatment center even though there are two nationally recognized centers in-town.

This is the absolute WORST insurance company out there! For five months now, my husband and I have been dealing with an unpaid bloodwork bill for over $1000. The claim keeps getting denied by United Health Care, so I have to call them and every time I call, they tell me there’s no record of any claims and to have them resubmit the claim. This has happened 4 times now and the results are always the same. I even had them speak directly (a united health care rep and the billing company) and the company was told by United health care’s rep that the bill will be covered. They resubmitted and it was again denied.

My mom has this insurance for prescriptions. She has used Walgreens for 25 years and with this insurance. Because she moved into a assisted living home we now have to change pharmacy because walgreens is not a preferred for assisted living. United call assisted living long term care. AARP sucks along with United.

My mother had the AARP United Healthcare Medicare Supplemental Health Insurance before she died on 9/3/19. I called to report her death and to stop the automatic premium payment which was due on 9/4/19. They told me the final premium would be refunded if they made the debit to her checking account. They now refuse to make any refund despite my mother having coverage for only 3 days in the month she died. They say Georgia is a non-prorated State. Please do not patronize any Company that treats its customers this way when they die. This is a greedy Company with no moral compass.

Take it from me. I did medical insurance billing for a living for 20 years. All billing clerks agree that UHC is the worst. If you like hearing NO all the time then choose this company. They look for excuses to deny everything. Way more excuses and denials than the average company. All you hear is NO and CAN'T. Don't fall for their propaganda. Say NO to them!

Just like the last time I had UHC they want to tell you how much medication will be approved. What am I paying for?!?! My doctor writes me a prescription for a certain amount of medication and this useless insurance company tells me they won't cover that amount they only cover half! So every prescription I have received is a problem!! They don't really cover much of anything, my physician and pharmacist both told me that UHC is terrible!

My Doctors have been working on getting an insulin pump approved since May. They finally gave an authorization for a pump my Doctor says is a very bad choice. I have spoken with United Healthcare on many occasions. I think their insurance is totally useless and a waste of money! Please contact me. I will give you more information! Brian **

UnitedHealthcare was great when I had it several years ago. However, recently they decided to re-evaluate my daughter's coordination of benefits, and although they had been her primary insurance for years, they had come to the new conclusion that they were actually secondary. (She has coverage under her father's insurance as well.) This was done seemingly at random, with no notice. Suddenly we are getting denials on her health claims, in the thousands of dollars (she had a surgical procedure and other treatment related to that). Suddenly neither insurance is paying for anything, as they both argue that they are each secondary.

This year my 91 year old aunt was hospitalized and sent to rehab a couple of times. United Health Care denied her claim to stay more than 20 days! She was very weak so I contested it and it was again denied. She went back home with VNA services and her doctor agreed she needed palliative care to cover her. My aunt fell when she was alone so she went back in the hospital, AGAIN United denied rehab after 20 days. My aunt passed away while I was trying to find placement in a nursing home. United Health Care then sent a notice that NONE of her rehab or ambulance service was going to be covered because she was already covered for services through the VNA! I haven't even started fighting this awful company. I am still coping with the loss of my beloved aunt. Don't ever use United Health care for ANYTHING. They are a corporation that values Profit over People's lives, Period!

So many problems with this insurance! Firstly, let me say I have major expenses (medical and prescription) while the others in my family rarely go to the doctor. I understood I would have to pay 100% and the plan wouldn't start to pay until my deductible was met. HOWEVER...

UHC is the only insurance provider in Texas that refuses to cover intermittent catheters. My child needs an intermittent catheter every 4 hours to prevent kidney failure and ultimately death. UHC just sticks the bill to the customer and since my company just changed over from BSBC of Texas to UHC. We now have this additional expense (on top of a more expensive UHC insurance premium per month) to pay. I may have to seek employment elsewhere... not joking... as far as I am concerned an health insurance company that refuses to cover medical supplies to prevent life threatening situations is highly unethical.

UHC will do anything to increase their bottom line. They posted earnings of more than $5 BILLION in the 3rd quarter of 2019 yet they screw their customers and their physicians. I have been a UHC physician provider for 29 years. I am no longer a Provider for them this year (as of 2020) because they want to cut the community physicians out of the practice of medicine. They have not allowed me to prescribe the medicines I know my patients need but rather say UHC will choose the 'formulary' that don't include the medicines that are necessary. If you want to have your medical care prescribed by the administrators at UHC, then get this insurance. If you want a physician to prescribe what you need, get a better insurance and run from UHC.

I have had UHC for several years. In August my monthly premium went up over $100 and today I went to refill my ** inhaler for my asthma which I have got before and it was denied. Said they don't cover it anymore. There is no generic either. My wife's ** is now $387 a refill. What am I paying insurance for? Makes me worry if I have to go into hospital will I be coveraged? Customer service also don't know their heads from their backside. Terrible company.

I have had United Health Care Medicare advantage plan for two years. For the first time I had a medical experience where I needed a prescription filled. The first prescription was part of United Health Care's formulary. After two days of using this prescription and returning to the doctor, the doctor voiced concern that the medication was actually exacerbating the issue, so told me to stop using it and prescribed a different one. United Health Care denied it. Told me to go back to using the first one. Yup! I challenged it, but it did no good. It's open enrollment right now, and you can be sure I will not be going back to United Health Care.

I encourage everyone researching medicare insurance companies to avoid AARP Medicare Advantage, United Health Care. I have had this company for a few years and have had the following challenges:

Run the other way if you can! The customer service is the worst. I have UHC as my health plan and I also do the billing for a large neurology group. I am also in charge of doing the Prior auths for medications. UHC will find any way to not pay your claim, they will give you an authorization and then cancel it a day later. When you call and ask to talk to a supervisor they don't allow you to. They will tell you "upon looking further into this situation..." They do not listen to the customer's needs or the doctor's office who is fighting for the patient's health. The only thing they care about is not paying out a claim by any means necessary.

I've worked in healthcare for over 25 years. Based on my experiences with United Health Care, I have to think all the positive review on here are fakes. UHC has become yet another company to outsource their customer service to the Philippines and/or India. These reps have no knowledge and even worse English language skills.

I work for a company that was absorbed through a merger into a much larger company. As an unfortunate result, my health insurance changed to United. For this reason alone I am stuck with this HORRIFIC insurance provider but I am currently working towards changing jobs just to be able to get proper insurance. (Not joking at all right not, that's how horrible United is.)

I lost my spouse and I have claims with this company which I am trying to retrieve. They are giving me the run around, very disrespectful, and lies about receiving or not receiving documents. I lost my spouse in May and it is now October. Nothing. No respect for you knowing what you have already been through. They told me to contact the employer because they need some more information. When I contact the employer they informed me that they have send in all the information they need. When I call to speak with the person that is handling my claim, I am told I can NOT speak to them. ALL I CAN SAY IS THANK YOU.

I have had United Health Care for over 5 years now and it is very rare that they get the claim done correctly the first time. Today I was on the phone 1 hour and 10 minutes on a claim that has been run thru 3 times now. They have issued the check to the wrong person and are now trying to get it back. One time in the 5 years have I talked to a person that seemed to know what they are doing. I don't know if they just don't have good structures in place or do not train their employees correctly but it is always a struggle to get a claim processed correctly.

I understand that sometimes you have to prove to insurance that you qualify for certain services, but it's very frustrating when those services are life changing and involve your new born baby. Our daughter was born with tongue tie that caused her to struggle with sucking, she struggled to gain weight after losing it the first week of life. Our pediatrician suggested to cut/release the tongue tie. With that, he explained we would need to re-teach the baby how to suck again and do exercises, massages & reevaluating with the help of a lactation specialist. Our lactation specialist already had patients who had the same insurance as us & she said they always deny the 1st claim and its a struggle, but they do in fact cover it. I also spoke to one of the representatives who also assured me that these services would be covered.

I recently signed up for Health coverage with United Health care. I paid my first monthly payment and was told they would contact me with a welcome packet. After 3 weeks or so, I never heard anything. I them called AMAC, the company that I went through to purchase the plan. She told me that she had just gotten a letter saying coverage had been denied. I asked if she knew why. She said they did not provide her any information.

This company is awesome. They go far and beyond to serve you. Rep. Ronald opened my account seen what I needed and even called my Dr. While I was on hold. Info was transferred and approval was done in minutes. I dont know his last name but RONALD was his first name. Very professional. Spoke clear with confidence takes care of business. Very helpful. I've been treated awesome by the employees that I've dealt with. 100% professional people. Being 60 years old I've had quite a few insurances before. United Health Care is by far the best hands down. Thank You very Much.

If you are an elderly, pls do not sign up for United HealthCare. I’m not an elderly, but based on my experience with UHC. I have to fight with them most of the claims, because they refuse to cover a lot of them. They would always blame on how the provider filed the claims incorrectly. Most of us either don’t have the time to check with insurance or to make an appeal. Thats what they want in order for them not to cover the claims. A lot of us might not also understand the Explanation of Benefit. If you do decide to sign up with UHC. Their main goal is to not cover what should be covered.

This is open enrollment time, so beware that AARP Medicare RX plan thru United Health Care uses OptumRX as pharmacy and OptumRX does not inform you of recalls of tainted drugs in a timely fashion. This has happened twice to me with Optum and it is apparently never going to change its system. So do not buy AARP RX plan (United Health Care) without ensuring that it is NOT thru OptumRX. I do not know if all AARP rx plans use Optum, AARP does not tell you this when you sign up. SO YOU MUST ASK. Here are the details on Optum's failure to inform me that I was taking recalled drugs.

I've found many prescriptions not covered and two are generic medication for bipolar disorder. They are generic for pete's sake and I need those medications. Actually I'M looking for a medicare supplement plan that covers the bed I desperately need!!!!

Updated on 01/19/2020: I wrote a review about United Health Care on 10/1/19 about my daughter needing the Nuss surgery. I wanted to update you on what has happened since that time. UHC continued to deny my daughter. I did email/contact BBB. They concluded that since my daughter did not meet their criteria they could do nothing. They do not cover the criteria of insurance companies. They did advise me on where to go to get help in that area.

Have not had to contact them for anything - visits/items are covered as described. Anything that does not take up additional time is a bonus! Other pans can be a battle - I know as my wife is a medical provider - this one seems to be no hassle - although we are going on 7 months for a wheelchair - but I think that is medicare thing.

It is insurance form company I presently retired. I have never had any problem with the customer service. They always have been helpful and trustful. My co-payment is very low. So far I like this insurance.

United Health Care has exceptional telephone service as there is always one to answer my questions and willing to assist me with my questions/problems! The rates are very cheap and I only pay 4% after Medicare and UHC pay their share! I can go online anytime and review my claims/payments made through UHC’s website. In addition UHC will send a booklet explaining everything plus annual changes to my policy.

Very, very client oriented. Aging, the last two years, has brought me in contact with the services of many different doctors and a hospitalization. United Healthcare along with Medicare has been my saving grace because the coverage has kept me out of the "poor house". Medical care is very expensive and without my United Healthcare coverage, along with Medicare, I am able to take care of my health needs easily.

United healthcare is great. The only reason I gave it two four's is because of the cost of prescription tier 3 drugs. The coverage, doctors and service are excellent and they resolve any issues I might have. It also includes vision and dental cleanings/Xrays.

I'm a 75 year old male in petty good health. My insurance company has raised my monthly payment to now over $200 dollars and for what? I'm on social security and from what l can tell their 20% is nothing.

The plan I got was cheaper than a part D plan and covers more. You receive a $40 credit every quarter to order drug store items online. Also receive a monthly magazine which always includes a list of new doctors.

My husband lost sight of his right eye and movement of 2 fingers. He went to the emergency room. His carotid artery was blocked. This was what was causing this to happen. They did emergency surgery on it in the morning and had to perform integumentary system surgery, not just carotid endarterectomy but also repair the artery and an ulceration going towards his brain. United Health Care Wellmed has the audacity to deny the claim to one of the surgeons because stating due to claims editing. I cannot believe an insurance company of this caliber would not review all the claims associated with it. They only paid the hospital but not the people who saved my husband's life??? This is disgusting...

UHC is the greatest. I have their plan F. I have an immune deficiency condition that is incurable Alpha1 Anti-trypsin deficiency and UHC has shown unbelievable compassion and understanding with regard every aspect of treatment and nursing help. Their patient coordinators are there when needed and are familiar with all aspects of my condition, they make my living much easier and they understand what Alpha-1 does and how difficult it makes my day to day living.

My experience with this insurance company has been terrible. Although they are pleasant on the phone they will look for every possible reason to turn down a claim and when they run out of reasons, they tell you a mistake was made, therefore putting it off as long as possible. I needed a pre-auth for an MRI due to worsening neck/nerve pain after having 2 sections of my neck fused. I was turned down and it took weeks before a denial letter was sent out. Because I had to cancel my appointment I found out about the denial and was immediately proactive in starting an appeal. My doctor handled the appeal and sent them countless records.

Horrible customer service. They don't know how to find answers. They all say different answers to providers and me. Please put them BBB. I call about what's what drs are covered then the dr calls and they tell them something different and bill isn't being paid. I called 9.24.2019 and I was told to call Medicare part b. Medicare tells me to call United health care AARP's.

I switched from Aetna to United Health 2 years ago. I have no copays, no bills to pay outside the monthly premium. No issues with any of the healthcare providers for my husband, who has chronic health problems or with me. No issues regarding tests we have had to undergo since we changed plans. I hope UH does not alter this plan—we love it.

They offer very competitive coverage and customer support. They provide the coverage they promise. I would always recommend them to a friend. I considered other carriers and they could not offer the same services.

I have never had issues with any other dental plan except for United Health Care. They are to have 50% coverage for a dental bridge. They denied coverage and would only pay for a partial. The dental bill was $3500. They paid only $250. Then as I appealed the denial they in turn have canceled my policy with them. I guess the insurance company that is provided by my employer which is a school in Broward County, they only want to take your money, make it sound as this coverage is the best thing since sliced bread. Yes it is only if you don't make or have a claim. The basic thing they only want to do for you is give you a dental cleaning twice a year.

I think this company is mediocre, I've only had to use it a couple times, but I guess there's always room for improvement on health insurance. The coverage is fine, cost is effective, customer service is great, and I guess overall I'm satisfied with them. I don't plan on leaving the company any time soon.

Every time I go to doctor I’m out of pocket for everything. These ** only collect a premium. I was even told at one doctors my office visit is less without insurance. The health insurance industry is a sham and should be abolished!

Feel well covered and well protected. Great customer service with friendly people. Yearly wellness visit a plus along with gym membership. Emailed updates and news are informative. Opportunities to win rewards by taking surveys and quizzes.

Although it's an HMO, I have been very pleased with my doctors, never had to wait long for a referral to a specialist, and they have been very thorough, and informative. I receive a phone call informing of results after every test.

UHC has denied the only effective treatment for 2 of 3 children - they approved 1 (2 sets of twins) that have the *same* diagnosis from 2 different doctors (The medication is $14k per month per patient). They cite one result in one test (there are multiple tests, multiple results) as the reason, as well as a refusal to recognize the doctor's diagnosis. The test and specific result are not definitive for this diagnosis. In refusing to recognize the doctors' diagnosis, the "reviewer" cites a different diagnosis in their report. Isn't it illegal, or unethical at best, to render a diagnosis without having seen, let alone even spoken to a patient?

Unfortunately, United Health Care Medicare Complete doesn’t cover any more than traditional Medicare alone covers. They have made it difficult to find coverage where I live in rural Utah for the summers. They disputed every single claim from every doctor or hospital I have been to this year.

Only had since january. Seems to be ok so far. I do like the buffet type of insurance. I choose what best suits me. Plus I have an awesome agent. I like much better than what I have had previously.