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Last year, I received an ad in the mail saying that United Health Care AARP Medicare Advantage was coming to Maui and Lanai. At the time I had Humana and was very unhappy with them, so I looked into the AARP plan and it seemed like a good deal. One of the highlights for me, since I am relatively healthy, was the vision coverage, which listed a dozen participating providers and a "0 copay on one pair of lenses and frames every two years."
Well, I made an appointment with one of the in-network doctors listed on the website for an eye exam. Waited two weeks for an appointment, and when I got there they told me they didn't contract with "Spectera." I told them I didn't have Spectera, I had AARP Medicare PPO. They said I was wrong. Long story short, three hours of phone calls later I discovered that I do have Spectera, and not one optometrist on the island of Maui contracts with them. The UHC rep did give me one name, located 40 minutes away. But when I called to schedule an appointment they told me they only accept Spectera for glasses or contacts... Not the exam. AND the "0 copay every two years" is total fiction. Spectera pays no more than $70 towards any and all eyewear. Even the UHC representative couldn't explain why the plan materials say that when it is patently untrue.
I think UHC should be held accountable for listing dozens of in-network providers on their website who actually do not accept their insurance. It's not just misleading... In my opinion it's fraud. Suppose I had gone ahead and gotten the exam? I would have been stuck with the bill because I relied on the information they provided. And I'm quite certain UHC's response would have been "too bad so sad." I've made an appointment at Costco for an eye exam and will pay out of pocket. Meanwhile, I will file a complaint with CMS about how UHC misled me and thousands of other Medicare recipients about their coverage.
After five days of repeatedly calling UHC for an explanation on why no pharmacies within 50 miles of New York City were in network, I reached a man in the prescriptions department who refused to help me because I said the f-word after continuously being denied coverage for my medication. He then transferred me back to the department I’ve been dealing with for 5 days that refused to help me. I assume this guy goes by Chad and thinks mayonnaise is spicy. Don’t work in healthcare if people’s emotions and the words they use to convey them offend you, bro. This is my health and well being you’re dealing with, not me calling Neiman Marcus demanding another refund on an argyle cardigan.
The Missouri Medicaid Director, in an effort to save money for the state, decided in 2017 to farm out vision services to three companies: Home State Health, UnitedHealthCare and March Vision. Although the patient's ID card clearly says UnitedHealthCare, they will deny the claim, saying it must first be sent to Aetna, who will then also deny it, then that EOB denial must be sent to March Vision in California to have any hope of paying (less the $2.00 charge for paper claims). March Vision will NOT send EOBs. You must call them and hope to get a supervisor to answer any questions on claim status and even then you may get a wrong answer. First claim took six months, four phone calls and three mailings to get paid $40. Second claim is going on four months so far, three phone calls and four mailings. I will never accept any of these insurance companies as payment again.
Spoke to someone named Jean about conflicting coverage and wanted to verify the coverage I was using was still valid (issues with my company paying for it). When I input my subscriber ID number, the automated phone computer told me it wasn't found, so of course I asked the live rep if the account was still current. She gave me a snarky response and said she was able to pull it up but didn't specifically say yes or no. When I asked another question about calendar year coverage vs. employee fiscal year, her answer was still equally ambiguous, and when I asked to clarify, I was again given attitude again. I asked her to hang up so I can take the survey at the end, which is my right due to poor customer service, and she just stayed not the line for several minutes, refusing the hang up! I've encountered bad customer service, but this woman is a piece of work! Should be fired or at least reprimanded.
My provider discontinued using UHC/Spectera because of reimbursement problems & now use them as out-of-network. Sent bill/receipt for exam of $40 to PO Box 30549 & received reimbursement. Sent receipt for eyeglasses to same PO Box on 2/12/18; followed up on 3/15/18 w/ Alan & told could not find anything in the system, so just wait. On 3/23/18 w/ Nancy who couldn't find anything yet in system; asked what address it was sent to & was told I used the wrong PO Box. Gave me PO Box 30978; resent the info that day. Can't understand why there would have been response & a check for the first claim & the second claim would be the "wrong PO Box"???
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UHC and UHC Vision are technically incompetent. I have been working with my HR department and UHC customer service for over 6 weeks. My HR department has corrected the eligibility date multiple times with UHC yet their online systems for providers and patients still reflect the errant date. On top of these issues they also fail to log customer calls and can't track work done in previous phone calls with the support teams. So my HR team and I start from scratch with each new call. Their systems fail to reflect eligibility per the contracts they have with employer. If I could give negative stars for a rating I would, they don't even deserve 1 star.
I contacted UHC Vision for list of providers - as I live in a very rural area in Virginia. I was sent a list of 100 providers that were supposedly within a 30 mile radius.
The mileage to these providers listed is nowhere near being correct - DON'T KNOW WHO DID THE CALCULATIONS. Of those 100, 91 were OUT OF STATE in Md. The mileage may be correct if travelling by boat across the river, but by land, all were well over 100+ miles away. As well, 2 of the providers listed were in WEST PALM BEACH, FLA with travel distance showing 31.47 miles. Florida is 4 states away - not sure how that is showing in my 30 mile radius - but I was assured this listing was the MOST ACCURATE and UP TO DATE listing.
I have no providers available within a 75 mile radius that participate and that is just to get an eye exam - does not include getting glasses - which would require additional trips back somewhere else to be fitted, etc. The closest provider found is ONLY available Fri 9-12 - and ONLY does eye exam, does not have glasses available - meaning another 70-80 mile trek somewhere else, w/ add'l trips to get glasses/contacts. It's pretty much pointless to even have this insurance as it's worthless to those of us living in this area. With as many employees as Bon Secours has in this area, something needs to be done to accommodate these employees and families with this insurance. I AM VERY DISAPPOINTED AND FRUSTRATED.
I have had UHC through past employers and found it difficult to deal with their customer service representatives. In this situation, I went to my "authorized" eye doctor to get a new prescription and new glasses early this year (2016). During the appointment the doctor noticed some vision problems and recommended I have further testing done to determine if surgery may be needed. I was tested for blepharoplasty, a condition where the eye's vision area is obstructed by heavy tissue above the eyelid pushing it down. This causes poor night vision, progressive driver safety issues, headaches, squinting when in bright sunlight, and low quality of life due to poor vision. The original doctor referred me to a surgeon to confirm this was necessary to correct my sight. This was not solicited by myself, this was diagnosed by eye doctors and surgeons who found a genuine concern for my future eyesight.
In a letter received from UHC, the insurance company considers surgery on the eyelids to be "cosmetic" and will not cover "cosmetic" surgery under their policy. They further are denying the payment for the doctor appointment to the surgeon who confirmed the original diagnosis. UHC paid an expert to say the surgery was unnecessary. I believe the paid "so called" experts UHC uses are denying me coverage through this policy, through direct orders from UHC. I pay UHC a substantial amount of money for health insurance from each paycheck not counting the amount contributed by my employer. It is not fair that the exuberant fees I pay purchases only substandard coverage for my medical needs. Denying treatment is how UHC makes much of its money. UHC is unfair and greedy.
Because of Obamacare, I am legally bound to have health insurance. The insurance companies can charge high rates, cheat their customers and are protected and endorsed by Obamacare Federal Laws. Due to this unfair legislation if I had a life threatening disease or trauma I may not receive proper care through UHC. From the articles I have read, other complaints on this site, and through past experience with UHC, it is likely they would deny benefits in almost any case and let patients die. UHC appears to charge the highest rates and provide the least coverage for the money. I definitely do not want to waste any more time with them nor do I want to continue using them as my health insurance. I will be speaking with my HR person at my company to change health insurance carriers and will make my recommendation to the company to discontinue use of UHC.
I spoke with three representatives with United Health Care Vision because they did not pay for a vision bill from an in network provider. When I asked to speak with a supervisor, it seemed that they just passed me on to another lower-level customer service representative. They stated that they were "paperless", but required that I write a letter to appeal their decision. Additionally, they stated that their name was "spectera(?)", but later one of the representative said that they were United Healthcare Vision. It seems very odd.
I called to get a list of providers and was told of a doctor near me. The system changed or for some reason the MD did not show as in network and I paid out of pocket. I sent my receipts via UPS, requesting a signature. My package was received and signed for the next business day. It's been 17 days and nothing. I've phoned several times to check status and was constantly informed my package wasn't received. No one could tell me where or why and I had to start all over. The money I paid out of pocket a waste. I am canceling my vision plan - no accountability and no expedition for my claim.
My employer offers voluntary vision insurance and I have purchased this coverage for the past four years at an annual cost of approximately $300. Each time I've incurred vision expenses, I've discovered that the provider I chose was out-of-network. This year I visited UHC's website to learn who was in-network and exactly what benefits I would receive. I had my contact prescription in hand while viewing the website and discovered that UHC offers contacts by mail for a reduced cost. I used a link on UHC's site to the contact provider and was required to acknowledge that I was leaving a UHC site. I arrived at a webpage that read "Welcome United Health Care Members". I made the selection of the contacts that would result in the highest level of reimbursement, 100% coverage for up to a year's supply.
I was surprised to find that I needed to provide a credit card for this purchase despite my coverage with UHC and the convenient link between UHC's site and theirs. If I have coverage for 100% of the selected contacts, why wouldn't the online provider receive payment from UHC? I called the number on the website and while on hold I listened to a message stating that independent ophthalmologists could partner with this provider to provide their patients with contacts and receive commission (kick back) on all purchases made by their patients. I thought to myself that UHC was likely receiving some kick back for my purchase but if I receive the same contacts for less cost with the convenience of online ordering, what harm would additional revenue to UHC cause me?
When the representative came on the line, I explained my confusion. Why must I use my credit card to purchase contacts that are covered at 100%? The representative explained that I needed to pay for the contacts and submit a claim to UHC. I accepted this as reasonable and paid $180 for a six month supply of contacts and then went to the UHC website to find a claim form. No such claim form existed so I phoned UHC and was instructed to use an out of network claim form and mail or fax the claim to UHC. They processed my claim as out of network at $105 of my $180 expense.
I went back to the web pages and on the last page of the contact provider's website (as you are paying), in a tiny font where you would normally find the name of the software/application used to write the website or find trademark details, there is a statement that the provider is out of network with UHC. So much for that convenient link on the UHC site and "Welcome UHC Members". But if that wasn't bad enough, I submitted the claim on 1/30/2014 and still have not received payment. Their explanations/excuses alternate from one call to the next. The first call is "We will issue (or have issued) a stop payment - we can see the check has not cleared. Here is a confirmation number for today's call".
On the next call, if it has not been 30 days since the previous call, they say "we have 30 days after the stop payment to re-issue a check. Please wait 30 days and call back". If it has been 30 days or more since my last call, their response is "I see record of your last call but a stop payment has not yet been issued. We'll do that now and issue a new payment. Here is the confirmation number for today's call".
I need an Explanation of Benefits to file an appeal of the manner in which they processed my claim - Out of Network. Interestingly, they've revamped the UHC website and there is now a clear disclaimer that the Online Contact Provider is Out of Network. Fortunately, I saved screen shots of the site as I experienced it - only disclaimer in a font of approximately 3 pts. and only on the last step of purchasing (not on a UHC web page). I suspect UHC is not paying vision claims to insureds and I'm certain that many more MEMBERS experienced the same deceptive link between the UHC site and the Online Contact provider. If they save $80 on every claim, plus make some commission on each sale, UHC is collecting quite the little bounty. Even better, from what I am able to tell they simply do not pay claims. I would like to find a class action attorney who needs Plaintiff #1 against United Health Care Vision Insurance.
Today when I phoned, I was escalated to a supervisor, Kyron, who asked if anyone has yet explained to me that UHC's recent system conversion is the reason for these delays. I pointed out to Kyron that during their conversion they continued to accept my premiums and therefore had an obligation to pay my claims. Kyron responded that his department just pays claims and has no responsibility for collecting premiums. Wow. Kyron doesn't split atoms in his spare time.
Earlier on 7th of July '14, I called up United Health Vision Care for knowing my benefits for Out of Network. One of the Customer Representatives informed me by pulling up my account, that I'm eligible for total of $400 ($200 - Frame & $200-Lens). Now when I see my claim status it shows that paid by plan as $175.05 instead of $400. I called up today asking about the claim status amount. One of the representatives has again told that my plan is eligible for total of $400 ($200 - Frame & $200-Lens). When I asked the Representative - then how come only $175.05 paid instead of $400, then he transferred the call to his supervisor. Supervisor says that the information provided by their representative was wrong and my plan is only eligible for total of $200. Can someone please help me in this regard?
I signed up with United Health Care in December of 2013. No Complaints with Services they provided. Until after a Routine Eye Exam. I tried to use my eyeglass discount at the Providers that UHC had listed in their manual. To no avail. I was repeatedly questioned - did I have vision care? Apparently I did as I was able to have the eye exam with no problem. I called UHC several times and of course talked to about 10 different operators (Because you get a different one every time you call) explaining the same issue which was I was unable to find a Provider who would allow me to purchase eyeglasses. I got the standard run around and excuses.
Same Problem AGAIN with finding a Dentist. I was told that I was covered for routine Dental exams. Contacted the Provider and made an appointment. One day before the Scheduled appointment I was contacted by the Secretary of the Dentist that she had contacted UHC for my coverage information and was told that I was not covered. I then called UHC and asked, "Was I covered?" and I was told yes. Called the Dentist office back and stated this to the Dental Asst. The day of the appointment I was called again by the Dental Asst. and told that I have OON (Out of Net Work) Coverage and they did not accept this plan.
It states clearly on my card that I have a PPO SNP Plan. I then asked for a list of Providers who take my Plan. I was given the same Dentist names and address who declined my plan in the first place. The excuse when you speak to the Representatives is "Well huh, that's odd because they are in our network." Maybe they are but they say they aren't. What does that mean for me? No service and not getting the benefits that I was promised when signing on with this Wretched Company. This is the only place to lodge a Complaint unfortunately as I have been told that they have no Official Complaint Department. I will never use them again and would not even recommend them to an Enemy.
I had an appointment with an eye doctor for a routine vision exam because I believe, but not 100% sure that a representative told me that a routine vision exam was covered under my policy. Because the claim was denied, I requested that they listen to the recorded conversation which they allegedly did. I was told that the representative did not tell me that the routine vision exam was covered; and therefore, requested that I listen to the conversation. I was told that this is proprietary information that they could not share with me. I was not happy when the company I work for changed to United Health Care because I was told doctors do not like this company because they have to fight with them and consumers would have to appeal claims due to mistakes they make. I don't know if there are any laws or regulations regarding a citizen's right to listen to a recorded conversation and was told to file a complaint with the Attorney General’s Office.
Without notice, UHC dropped two of our children, claiming they had another provider. Now, UHC has dropped my daughters, a twin, from the vision plan without reason. There has never been any contact from UHC to explain the changes or that they had occurred.
After discovering we were being denied coverage, a call was made and the children were reinstated for healthcare, but not vision. Nobody at UHC has any documentation why this is happening.
UnitedHealthcare Vision Insurance expert review by Cyril Tuohy
UnitedHealthcare, a top insurer in the United States, offers stand-alone vision insurance or as a “rider” to a United Healthcare dental plan. (Not all vision plans are available in all states.)
Plan options: UnitedHealthcare Vision offers a Plan A for glasses and contact lenses, or a Plan B for glasses and contact lenses.
Providers: Consumers with UnitedHealthcare can choose from a national network of eye doctors and eyewear retailers.
No waiting periods: Coverage kicks in within hours or days of premium payment.
Vision Benefit Rider: For an additional premium payment, dental plan members can add vision coverage to boost the value of their dental plan.
Best for: Individuals, families and employees in search of stand-alone vision coverage or looking to add vision coverage to an in-force United Healthcare dental policy.
UnitedHealthcare Vision Insurance Company Information
- Company Name:
- UnitedHealthcare Vision Insurance