3.44 / 5 based on 300 Reviews | Submit Your ReviewSatisfactionClaimsCostBillingService
UnitedHealthCare is an old and well-established company which includes more than 100 subsidiary companies. The company has more than 70 million customers worldwide, and specializes in health insurance for the elderly segment of the population. UnitedHealthCare is also a participant in providing health care to underprivileged persons through government sponsored programs.
Company Information185 Asylum Street
Hartford, CT 06103
Last Updated: 2018-04-22
Company Reviews (300)
Horrible Health Insurance. expensive. Bad coverage, June, 2017
I have United Health Care through my company. I HATE it. It is so expensive out of my pocket, and I know my company pays a lot more than I do. The coverage is not great. I have a family of 3. The claims for my son and my husband routinely get denied. They seem to think that they know better what to provide you than your doctor does (the one that actually met with you, examined you and determined the right treatment). I have had to make several appeals for denials of service over the last year and a half. It is crazy all the work you have to go through to have them pay claims. Plus the recent two appeals got denied again. So more money out of my pocket! The larger items, are only covered with 50-60 % so you have to pay a bunch there too. Don't even get me started on the prescription coverage (it's even worse!). I have tried to look at new insurance, but because my company offers health insurance, I was told that when I went to the marketplace, I would not qualify for any credits. Really tight spot to be in. I wish I could just "fire" them. Beware of United Healthcare. Not a good insurance company to deal with.
If they pay zero every claim, what am I paying for, February, 2017
Unfortunately I can only get UHC through my employer. I have found that the RX program is a complete scam, and that they indeterminately do not cover medications taht other companies do, or their tier structure is backwards. For medical claims, I had charges for 200 for an xray, they right off 130 (pay 0) and I have to pay 70. When going to urgent care, it would have been cheaper to be un-insured and use the billing structure then to submit to UHC> I paid 54 dolars more than an un-insured person would have paid. I am not sure what my premiums are paying for. They pay zero for every claim, and I get stuck with the bill and the monthly premium. And the quality of doctors that they cover is SUBSTANDARD. I have started looking for a new job that offers a different health insurance carrier.y
Very disapppointed., May, 2017
I have had United Healthcare for at least14 years through my employer and have been very satisfied with my health care coverage until now. I have sought treatment for alcohol dependence through an intensive outpatient program to get sober and save my life and my family. I am in my 8th week of a ten week program and have been sober for 30 days and feel the best I have felt in years. Last week I was told by my treatment program director that United Healthcare has only approved 19 sessions of a 30 session program and they felt that this program was just like an inpatient program and they wouldn't approve more than 19 sessions. My program director said that this is common with United Healthcare and they often deny full coverage for substance abuse recovery programs. I had to already pay $640.00 out of my own pocket for this program to meet my out of pocket maximum and I don't know how im going to be able to pay for the 11 remaining sessions. This is very frustrating I have always felt that I had the best health insurance around that cared about its customers. But in this instance they clearly do not. They pay to get my started and well into my treatment than they say sorry we will not cover you for the remainder of your treatment that in my case if very important for my well being. I guess they only care about making money off me not fulfilling their responsibility to cover me for treatment I so greatly need. Im so disappointed in you United Healthcare.
UHC has highest premiums but pays NEXT to nothing., May, 2017
Surgery: UHC did not pay anesthesiologist-we checked and double checked that we were getting in-network facilities and doctors. One anesthesiologist had to cover for another unbeknownst to me (I was under) - UHC refused to pay. UHC also did not pay my mammogram radiologist. Our premiums tripled this year; we have doctors and hospitals that were dropped by UHC in January, so we have to pay out of pocket to them. UHC's CEO made record profits this year because this is how they treat their members: charge them outrageous premiums, refuse to pay when members need to use their insurance; drop hospitals, facilities, and doctors mid-year so members are forced to pay UHC and pay out-of-pocket to doctors. UHC is unethical; they force you to hold their insurance a year, yet they drop your doctors and hospitals soon after your contract begins. They do not honor your contracts-if there is another insurance option for you, choose the other option.
Difficult to use, January, 2017
Just incredibly difficult to get any help if you need it. Their website is terrible and they are closed on weekends.
Horrible, December, 2016
The claim process is archaic. Long waits on phone calls then get bounced around without getting questions answered. They do not respond to emails and are the epitome of customer NO service.
Worst Insurance EVER, December, 2016
Company stinks - canceled my insurance with no warning and kept on accepting my premiums for months without telling me my insurance was canceled! What a bunch of crooks! Warn everyone you know!
Worst ever, June, 2017
This company is one of the worst insurance companies I have ever dealt with. I cannot believe how they treat their customers!
Avoid like the plague!!!!! BEWARE, December, 2016
Worst company in every way. They sure know how to collect premiums but provide NO service whatsoever. Nowhere to get a script for my daughter filled in the entire state of Michigan???? On the phone for literally 8 and one half hours and no results.
Never again would I pick this insurance, June, 2016
Awful, we had problems with them the whole year. First my son was born at the hospital where my doctor has his office, that’s the only hospital he delivers babies. When I asked if we were covered I got the confirmation only to find out at the hospital next day after birth of my son that the doctor was covered but not the hospital stay! Later he needed a surgery, took me a long time to make sure that we were covered pick the right doctor and the hospital, everything was covered, we only had $369.00 out of pocket, than a year later we are getting a bill $2600.00, insurance paid but then took money back from the anesthesiologist who is reverse sending bill to me!. You can’t have someone, a year later keep responsible for the bills that you paid! I went through very long process to make sure we were covered. I have had insurance for 23 years, never have I ever experience something like that with any other insurances.
Great if you want to be bankrupt., January, 2016
Avoid like the plague!!! 9 hours of phone calls to PHP and 15 transfers. They sent me to their preapproval PCP Doctor who preapproved the ortho removing an arm cast? They then denied payment to the specialist they preapproved for removing the cast. The PCP and Specialist both resubmitted and showed me the denials. UHC denied receiving anything or denying anything.
Warning!!!!! if you choose United Health Care, January, 2017
As of now have been on hold for 2 hours 12 min. , 25 sec. and counting. At this point I'm just waiting toes how long they will actually take. When I first called they said that the wait time was 8 mins!!!!! They charge A LOT for very little coverage. They denied medical equipment that my Dr. prescribed!! Very high copayment for drugs. I don't have the time to talk about all of it. Do not even consider it.
Inadequate, September, 2016
I set up autopay and it worked for 2 months. A couple months after that, I find out my account was terminated. No notice. Nothing. I get the account reinstated...or did I? One person tells me yes, another tells me "technically no." 3 conversations later, I'm told I am covered through this month, but my account hasn't been reinstated. What? Poor customer service. Terrible business practice. Unacceptable.
Gabage, May, 2017
Now I understand why UHC has bad reputation. I only got routine eye exam that is covered by insurance company. But later they said that the eye exam fee will be covered when the exam result shows the eyes are perfect. I have to pay exam fee because I got diagnosis myopia even though I did not get any treatment. Policy never mentioned that exam result should be perfect to get coverage.
Dropped my drs and hospitals in mid year, August, 2016
I do NOT recommend United Healthcare. They dropped our doctors and hospitals in JULY of my annual contract with United. Had they been transparent about negotiations with my regions hospital, I could have made a more informed healthcare decision. My doctors and hospital are now out of network. And they pay 0 towards my appointments. When choosing my insurance I checked that my doctors were indeed in network. I placed calls to united to verify, and was assured they were.
New nearest hospital and drs that are in network are 2 hours away. They have no concern for patients, only their profit. It is unethical and unacceptable to treat patients as they do. We are stuck with virtually no insurance for 6 more months, yet we continue to be charged monthly dues.
STAY AWAY FROM UNITED
Disgusting, October, 2015
Today UnitedHealthCare refused to cover any costs associated with my daughter's residential psychiatric/DBT treatment. My 15yr old daughter has bipolar disorder and has had multiple psychiatric admissions over the past 12 months. She has had 3 suicide attempts and is failing outpatient psychiatric treatment. Somehow they denied ANY coverage and believe she should continue outpatient treatment despite the obvious need for a higher level of care. As a board certified physician in Texas I am very familiar with medical decision making and the indications for psychiatric admissions. Today, I am thoroughly disgusted with UnitedHealthCare. Now we are posed with a difficult financial choices regarding her psychiatric care with no help from our insurance company. In healthcare we all have to take a financial loss from time to time while caring for patients, especially in life or death situations. Unfortunately UnitedHealthCare is more concerned about denying care and reporting profits than taking care of people.
Bait and switch, January, 2016
While United Healthcare seemed to be a reasonable choice, I will never go back to these scumbags. Arrogant representatives trained to be judge, jury and executioner, and comfortable, even happy to say "NO", as if to say tough luck!
I pay them gobs of money, never use the insurance, then get screwed when asking for the very thing I pay them for. They have a very bad attitude toward their customers. Drop me without any notice 24 days ago, and explain that they didn't have to notify me, it is buried in the legalese of a 40 page contract, that they don't have to be fair, or reasonable to their clients.
These kind of companies must go to lengths to find hatchet men to do their dirty work. Except in my case it was an arrogant mean woman who seemed to enjoy telling to effectively, GO "F" yourself". They don't have to be reasonable, because they can do anything they want and hide behind lawyers, and the fine print, to escape their responsibilities. They give their customers "attitude" instead of respect and the care you pay for. Stay away from companies like United Healthcare who find these miserable people to do their dirty work for them and leave customers holding a bag of crap, spending money on a system of corruption.
Worst claim service ever, April, 2017
My policy states I have no maximum number of visits for chiropractic care, but then they deny claims stating I've exceeded my maximum number of visits. I filed an appeal only to receive a denial response that says my appeal was not an appeal. What an incompetent company. Policy clearly states coverages and they come back and deny coverage. Call customer service and they tell me there is no one I can talk to about this I can only send a letter. This has been going on for 4 months and yet I can't talk to anyone about it, they refuse to let me talk to anyone when I ask to talk to someone who can help me. Complete incompetence.
SUCK, March, 2017
Impossible to get a hold of the right person, company is a joke have to make sure they bill it and not denied
Buyer Beware!, January, 2016
I will never buy insurance from this company again. Too much to list here, but I didn't get my card until the 29th day of the 1st month of coverage, and then it was one run around after another for everything. Consider yourself warned.
Worst Provider on the Market, June, 2016
There is no generic of my birth control available. Under the Affordable Care Act if this is the case the insurance company must provide the brand name. They made me file an appeal. I get all the details of exactly what they need, I then contact a woman's rights law office to make sure I do it correctly. It took a month for them to process (even though it was marked urgent). I call regularly to get the results asap- they cannot tell me anything over the phone. I finally get a letter in the mail that my appeal was denied and they need a letter from the doctor. My doctor had sent them a letter almost a month prior. They tell me there's nothing I can do- I can't speak with the appeal department. In the mean time I try to get a list of birth controls available at no cost to me. After an hours I am provided with one. (getting disconnected, having to call back, one rep can't figure out where the list is online and can't email it or fax it to me, then their manager is finally able to guide me to it). I get my doctor to prescribe me one that is on the list. Then call the pharmacy the next day and the charge is $77.99. I call UHC back- they say there is no list. I have been on hold now for 30 minutes trying to find out what is available to me at no copay.
Beware , do not use united health!, April, 2016
they do not and will not pay any claims, I don't know how they can get away with this. I get a different excuse from them every time I call to see why my claim is not being paid, literally a different excuse each time. I will not renew , and changing insurance is the worst financial mistake of my life.
very expensive, November, 2014
Always over rides the doctors recomendations
You'll receive minimal care, November, 2016
You'll never know what your missing unless you've worked in the health care field as a manager,provider, or director. United covers only minimal poor quality care and services. Even with one of their top plans, they must approve EVERY doctors recommendation for such things as surgery, diagnostics etc. You will get the run around and the denials will make no sense.
Diagnostics must be provided by their network labs and imaging services, which are typically bottom of the barrel. None! None of my doctors will contract with United. Among Healthcare professionals United Healthcare is everyone's nightmare.
For a middle-aged couple, a mid-grade plan will result in out-of-pocket expenses as high as $44,000 per year. We can thank the government for some of this but they are not solely to blame. I could not in good conscience work at, nor recommend United to anyone.
Find a provider that offers flexibility. By this I mean things like, no pre-approval, a full sleep study, ice machine after surgery, longer stay time in a care facility, seeing a doc daily or when needed as inpatient, getting the right amount physical therapy instead of a set number of days, and medication that is consistent ( even generic meds can change monthly because the pharmacy will buy from a different manufacturer- the medication is equivalent but not the same and can have unfortunate effects.). These are just some of the things that you will be missing and you won't even know it until you need them. United Healthcare is the worst worst worst worst. Don't use it, not even as supplemental.
Horrible insurance, March, 2016
Worst insurance company ever!! They don't want to pay for anything, they play the blame game on blaming the doctors office for everything. Things that are supposed to be covered 100% they refuse to pay. Blue Cross Blue Shield is a whole lot better company. Never had these issues when we were with them. I would not ever recommend this company to anyone ever ever ever. For almost 2 years now it's been the most horrible fight with them to do anything. I wouldn't give this insurance to my worst enemy, that is how bad it is. Pay a fortune for it, and they don't pay anything. Doesn't matter that they are in network. 180 dollar doctor bill and they paid 3 dollars. Don't waste your time with this company. They are worthless as they come.
Worst insurance EVER!!! , October, 2016
I got stuck with this plan united health care and it is horrible they hardly cover shit and no one accepts them I woyld never in my life choose them again and definitely would Not recommend it to anyone.
railroad policy through husband policy running out do to his age 65
companie dropping group insurance, December, 2013
i had no problem with UnitedHealthcare. It's just that our company dropped covering us with any insurance leaving us to find insurance on our own.
THE most expensive ripoff in health care, August, 2016
I am an amputee, have been for 26 years, I have had 5 legs built in that time, never a question or problem until I had united oxford as my insuror, I wont bor you with what had to occur over an 18 month period to get my nw leg but I had to hire an attorney at my expense to finally get it done. All because SOME IDIOT DICIDED IT WAS NOT MEDICALLY NECESSARY !!!!! i WORK CONSTRUCTION, RUN HEAVY MACHINERY MY LAST LEG( 2 YRS PAST ITS LIFE EXPECTANCY WAS FALLING APART, aND IT WAS NOT NECESSARY !!! So i should sit home in a whelchair? The worst bar none !! $ appeals later my lawyer brought them before the state to make them give me a leg, Thats what I pay almost 2k a month for? Stay away from this BS company
The worst insurance ever, July, 2016
The worst insurance company I have ever dealt with. My family plan had only $250 deductible and 1500 out of pocket. However that their claims give us a very hard time, they usually refuse to pay any claim and usually find a non-sense excuse.
I have no issues with UnitedHealthCare, October, 2016
The reason why I am considering a chang is because I have recently lost my job and paying the Cobra fee is very expensive.
Great company , August, 2016
My wife's company was bought out and we had to move from Cigna to Unitedhealth care. Shortly after the switch I had major brain surgery at a top neurological center in Phoenix by a world renounce surgeon. I received 2 bills in the mail one for the neurological institute and the other from the hospital. After my deductible was met I was responsible for about $600.00 dollars total. The hospital bill was 145k and the surgeons bill was about 20k. Had non problem with United at all. Great company wasn't sure how the switch was going to be, but very satisfied.
Would like to stay with them, October, 2016
Moving at end of month to NJ. address will not be cover by PA Access card Need to find policy for NJ Would like to stay with United Health
Good, July, 2015
Was a great health care program my company I worked for at the time went out of business
Mr Mavrik Ohanjanyan, June, 2014
First of all cost was less, than other options.
Policy provided better coverage and more policy options available. Easy personal assistance from agent so far. It was recommended by a friend and I am very thankful himâ€¦ Thank you.
I just want a quote, November, 2014
All I am trying to do is get a quote, this is the 3rd page of filling out my personal information and I still do not have a quote. This is getting ridiculous !!!
Wished premiums were less, October, 2015
Very good insurance . wished the premiums were less
Dropped by Obamacare , November, 2016
We were dropped by Obamacare an have no option in the county where we live now.
POOR SERVICE, April, 2016
I am waiting for an authorizaiton! Im in alot of pain and cannot walk very easily. I called 3 days after doc submitted and UHC put a "rush" on it. 5 days later - still nothing. now they say it takes 2-15 business days---so even with a rush it will take the full 15 days! It is not good service when UHC just lets people suffer! Dont get this insurance ever!
aarp united health care is dropping my doctor.
Why am I being charged for using my insurance?, May, 2016
The thing that I cannot understand is the amount of money I am paying for insurance; and that money does not even go to what I need insurance for (doctor/hospital visits). I pay a weekly fee for coverage along with a co-pay every time I go to the doctors, and if they need to run some test. United Healthcare only covers about 50% of the costs. Do not use this insurance unless it is your only option, like most other insurance companies they are greedy.
UHC is criminal - hateful, greedy, October, 2016
They "change formularies" when they think your medications are too expensive. They decide (not YOUR DOCTOR) which medications you should/should not use. Their query responses are arrogant and condescending. They gleefully reject claims.
Waste of money, September, 2016
I have never had to file a claim with UHC until March 15, 2016. I was hit by a driver who never stopped while riding my bike. UHC refused to pay my medical bills until I was able to hire a lawyer, then they payed only a minimal amount. My lawyer was able to get a small amount of money from the state for people hit by uninsured drivers. Now UNH has put a lien against me because they are assholes. I was out of work for 6 months and made it threw living on my savings and credit cards. Now they want to take what little money I have left and what the state is giving me to help pay my bills. Why did I bother to get insurance? Do not buy insurance for this company you can't trust them.
Very unpleasent expeirence , August, 2016
I had the worst experience ever with UnitedHealthcare. During the year 2015, I was covered by Aetna health care and I would say that I had a pleasant experience with them. Unfortunately, my employer made a contract with United Healthcare, choice plus plan at the beginning of 2016 and that was the beginning of the nightmare to every employee. What happens (half the time) is that they will decline the claims and then, you will have to fight to get them to pay for basic covered services by your plan. They will request information from you and they will claim that they have not received anything so they do not pay and will continue to do that until you give up and pay it yourself. Since the beginning of 2016 until today, I spent more than $6000 from my own pocket for claims which UnitedHealthcare refused to pay because I have not provided them with the requested information from January until today :). If you can find another insurance then, do not hesitate ever, this is the advice from my providers.
Bait and Switch, June, 2016
Beware of UHOne. Although it terms itself United Health Care (individual health policies), these policies are actually administered by Golden Rule insurance, which is known for providing more limited coverage and has more restrictive networks.
The UHOne policy claims to use the UHC Choice Plus Network, but only once you sign up do you find out that their version of this network, although named the same, has a more restrictive provider list than other UHC Choice Plus Networks. Now you are locked in for a year with less coverage than you thought you were paying for. Also, you have to pay for all drugs up front and submit bills for them to reimburse later. Don't trust what their customer service reps tell you--I have had 4 different people mislead me in the same way as their web info does--they do NOT use the full UHC Choice Plus Network!
They find ways to stall, October, 2016
My wife hurt her back in April 2016 and finally got an MRI went to see Dr and he said bone spur against nerve needs to be removed. That's when United Health care started stalling. If you are a CalPers member go somewhere else nothing but trouble here.
COST HAS BECOME TOO HIGH, August, 2015
SECURED INS.THRU AARP. VERY SATISFIED WITH SERVICE, BUT INCOME HAS BECOME SMALLER AND, WHILE WE MAKE IT W/ITHOUT TOO MUCH PAIN, IT DOESN'T HURT TO ASK.
IT Specialist , October, 2013
I don't have any problems with my present insurance. However, I am concerned about the direction insurance my be headed due to the Affordable Health Act ushered in by Obama.
It is the worst!!!, October, 2016
The company tends to delay my claim for my reimbursement and make the process fairly hard!!! They should know what goes around comes around. Go to hell!
A bunch of scammers!!!!, August, 2016
On August 8 I found out that my coverage had been cancelled in April, when I called and asked why they said because "they had not received any payments" even though I paid every month faithfully. So I told the representative that they would not be receiving another dime from me, hung up, and called money gram to see if the money order possibly got lost. The money order was listed as "outstanding" on the 8th. On August 18th I called money gram again and the same money order that "they had not received" was listed as being cashed on the 9th of August, the day after I told her they wouldn't be getting any more money from me. Coincidence? I think not. I think they were just hoping I'd repay! Do not do business with these scammers! The insurance is crap and so is the customer service. Now I'm waiting to see if they'll really send my refund
Healthcare, November, 2014
I have used United Healthacare at work and was satisfied with the doctors and coverage and how my inquiries were handled.
Billed even after notice of cancellation, June, 2016
My premium increase after 1st year and again for third year until the cost of the insurance was more than a full years supply of medications. I sent a cancellation notice. No Response just past due bills. I called. NO help there. Just a run around. I wrote No Response. Finally I wrote to Attorney General of Georgia. Got a response from there. They have many complaints. I told United to sue. They could not face me so threatened with collection agency.. Over $142.00 that I never owed. Beware. They are the worst ever.
Great short term coverage, November, 2014
1 or 6 month short term insurance options that are super affordable and offer great coverage
Truly awful at handling wrong claims, August, 2016
I have spent so many hours on chat and on the phone with over 7 different people who seemingly can't understand my problem. I've had to explain it so many different times. I'll give you a couple examples.
Today (the final straw), I finally got through to a supervisor who understood my issue - that the bill I received from my doctor was billed as medical, not preventative. The UHC employee said they'd handle it. They called the doctor, and when the doctor said it was medical, they *just accepted the doctor's word for it*. They didn't try to argue my case (that it was my annual physical, it was obviously preventative). They just said "oh okay" and called me. When I said they were wrong, they acted all surprised even though I had *just explained this to them on the phone*.
Other times I have completely explained my problem in chat, with dates and bill amounts, only fifteen seconds later to have my chat representative ask for the dates and bill amounts. It's like no one is listening at all.
I had to end up paying the claim because it had been four months and was about to start hitting my credit score.
Good service, June, 2015
cost, October, 2013
When I got this insurance it was cheaper than the one I had and they didn't ask any medical questions. Now they are expensive.
Pharmacy through OptumRX is useless, October, 2016
The UHC pharmacy portion is a joke. 5 prescriptions medications, 3 are the same price with or without insurance (I used a coupon, rather than submitting through insurance, for a better price). The mail order feature that "could save you hundreds of dollars a year," and "trips to the pharmacy," after 3 weeks I had to give up on. OptumRX doesn't accept electronically submitted scripts from University of California Davis, Medical Center? Of the 2 remaining prescriptions, 1 is not covered at all ($1296.00) for a 90-day supply and the 5th, (last) prescription is not eligible for mail-order? My out-of pocket prescription costs went from $120 a month at my local grocery store to over $1400 a month with my own coupons at 2 different locations. The only money and time saved is at UHC's end. They don't have to do anything, which I am sure suits them just fine, collect my premiums and provide no services? If you want to pay for your own prescriptions and clip coupons to redeem at multiple locations this is your company! If you want prescription drug coverage I STRONGLY urge you to look elsewhere, this company is slow to respond, "cherry picks" what is and is not covered, and in the long run the policyholder pays much more out of pocket. The medical portion of coverage I can not yet comment on, aside from the co-pay is 33% higher for a family practice office visit. Thankfully I was not due for my annual screening labs and mammogram. Summary: I would be better served if I applied for "California Care;" lower premiums and lower deductibles/co-pays!
need quote for grandson - I will be retiring soon and will have medicare. he is currently insured under my insurance thru work will need individual policy for grandson - I am his guardian
Searching for affordable health insurace, August, 2014
I need to save money so I am cutting down costs everywhere
GREAT COMPANY, October, 2013
I HAVE BEEN VERY HAPPY WITH UNITED HEALTH CARE
Canceled PCP , April, 2016
Canceled Ochsner in our state as a health care provider after they couldn't agree on a contract. This is the only real healthcare option in our area and has been for a while. This is after only 4 months being with them. No warning , nothing. Seems disingenuous at best, fraudulent at worst. Why didn't they tell us this was a liklihood before signing us up.
HORRIBLE, lost premium for a whole month!, April, 2016
Lost our first payment for a whole month. Offered to move effective date to Feb 1st which I don't want
I am confused. Just looking for an insurance company. Don't know what is best. I am cancer free now but want a company that is accepted by sloan Kettering.
Don't know if my answers are correct. Need to speak with someone.
I gave 5 stars for all but really have NO clue
retiree insurance running out, January, 2015
I need some short term insurance to do me until my medicare starts from march until june or july
I want to remain with United Health Care, November, 2014
I want to stay but the plan is ending. Call me. 301-775-4632. I live in Maryland
WORSE INSURANCE, February, 2018
This COMPANY (before my signing contract with THEM) told me (male agent) "That NOTHING would change from my OTHER plan from ANOTHER INSURANCE COMPANY (ie: Cigna Health Insurance), and YET is DID (ie: medication covered by Cigna Insurance, UnitedHealthCare Insurance sent me a letter stating that medication would not be covered by them (yet NOTHING was SUPPOSE to NOT CHANGE), in CONTRACT signed with THEM UnitedHealthCare I was PROMISE (in SIGNED contract) of a Productions of over the counter meds (etc. medical) and NEVER received the card (called the persona agent whom came to my home for signature on contract - NEVER RECEIVED a RETURN CALL from HIM), upon THEIR CONNECTING to the PERSONS (Company) it is in the mail (YET NEVER RECEIVED), also UPON calling UnitedHealthCare Insurance about it, it was ALWAYS NOT THEIR DEPARTMENT (but THEY are THE ONES whom offered THIS and TOLD of IT. NO-ONE ELSE TOLD OF IT! SPOKE with THREE PLACES about it to THEM and TWO OTHERS (they UNITEDHEALTHCARE transferred me to and YET EACH gave SOME EXCUSE. When ONE get a lot of EXCUSES (especially from different people for the same thing) THERE IS A LIE FORMED SOMEWHERE. DO NOT TRUST THEM!!! I NOW returned to my PREVIOUS Insurance Company (for MY GOOD)!!!
terrible claim service, February, 2018
just awful! they routinely deny treatment. they denied a routine test ordered by the treating physician saying a biopsy was needed first because that is their protocol. treating doctor said test was needed before biopsy to see if disease had spread--possible implications for life or death. Doctor did peer to peer review and it was still denied. Doctor is one of the preeminent surgeons in the state and department head at major university. apparently the UHC peer to peer person knows more! this is only of several issues we have had with United. They make Time Warner Cable look good!
High cost, no benefit, February, 2018
We have an HSA plan. It is the only option available to us. We do not choose it on our own. The cost goes up every year, but we really receive no benefit at all from it. We have a 4000 deductible so everything up to that point is all on us. I had to recently go to the ER and was billed by an out of network doctor (illegal in some states). When I called to see what my options were, the customer service person kept giving me conflicting answers. First she said the doctor was in network, then she said he wasn't. First she said my personal deductible was 2000 then she said we just have a family deductible of 4000. I went to the ER upon referral from the urgent care and now all the bills are costing me about 2500 and the problem was not fixed. I still have the same problem, five weeks later. I still have the problem, could just up and die from it, and now I'm out 2500. I don't see how this is fair, or legal. This is a sad, sad state of our healthcare system.
Chaos or Indifference?, February, 2018
This is not my first go round with United Healthcare, just the most recent. The previous legitimate and correctly filed claims took a full year of going through eighteen of their representatives and supervisors before I finally got paid. The chaos and buck-passing was truly awesome, and to give UHC credit, they have perfected the art.
The most recent scam involves a simple yearly Well Check visit for a child, $185.00. The contract states there is no charge for these visits and they even sent out flyers reminding us to have the checks performed. I have been fighting with them since June 2017 and it is now February 2018. Payment is promised, never shows up, then denied, then promised again. That's okay though... I own my company and when renewal time comes I will laugh out loud when they come around to re-sign. All for $185.00.
*So if anyone is paying attention in United Healthcare Land and would like to address these shameful business practices with me, my phone number is 843-826-6121. Leave a message with your name and a direct line phone number, because if I never have to talk to your representatives again, it will be too soon.
HORRIBLE SUPERVISOR BECKY K 154, February, 2018
My son has medicaid and he had an appointment to bee seen by his dentist. We don't have dentists nearby that accept Medicaid so I had to schedule transportation services, considering that I'm disabled myself and that the facility where we had to go is an hour away. So I did, I called Medicaid and they booked the service for the right day. However, they called me back the next day to tel me that I had to book it through United Health Care and that's when my nightmare started. So I called United and they told me that because it was not a medical emergency, they couldn't book the trip, that it was too late. I explained to Dotty H and Becky K that the delay was because I was not given the right information and that I couldn't reschedule the appointment for a near date, considering that they take forever to schedule an appointment for Medicaid patients. I also explained to them that even it's not a life threatening event, my son has a real problem with his teeth and that he also had already a cavity but they just didn't care at all. I'm changing my son out of United Health Care because they are actually United We Don't Care. All their customer service people are trained to not give their names and their service is all but caring. Very horrible and frustrating experience. That's when you see a different treatment when you're a disabled person who sadly depends on Medicaid.
Do not purchase, January, 2018
I recently registered for UHC. Very poor service. The technology the insurer uses is antiquated: freezes etc. : was told they were "having problems". All I have been trying to do is find a internal med doctor. Newly moved. I spent hours trying to find someone who would take the insurance and was accepting new patients. Every bit of information UHC provided on phone or on-line was incorrect. One provider told me that UHC's information is totally out of date. I went with UHC because of AARP recommendation. Have come to realize that AARP is just sales company pretending to be a service company. Cant wait to leave UHC and AARP.
Waste of money, January, 2018
Costs me around $300 a month, and they have not paid anything. They play the blame game and with the doctors, and don't like to be called out on thier lies. I'm a manager in charge of 30+ techs. I guarantee they will know of my dissatisfaction during open enrollment. Waste of my money, can't help but feeling robbed.
CHOOSE ANYONE ELSE , January, 2018
Called United Healthcare twice prior to visiting the doctor for a birth control consult to ensure it would be covered in full. I was, assured it would be. Got a $250 bill in the mail. Spent months trying to get it fixed only to be given several contradicting bogus excuses about why they are not responsible for paying it. I am switching providers and urge others to choose anyone else besides this awful company. THEY WILL SCREW YOU OVER. I'm just thankful I learned on a bill that's only a couple hundred dollars, not several thousand....
Useless, January, 2018
First and only words this carrier knows is deny. With this insurance company you will spend more time on the phone getting bills covered than what the insurance is worth. Another 2 missed hours of work today to pick up a family prescription only to have United Health deny coverage of the prescription and I am sure an hour on the phone tonight to get them to cover it.They make it impossible for anyone to get any value from their health coverage.
Do not trust United Healthcare. They do not c, January, 2018
Do not trust this United Healthcare. They do not care if we suffer. They do not care if we are in pain. They only care if you pay them.
I get migraines sadly a lot. The Rizatriptan pills helps so much that I don't loose work or suffer. Up until this year I could only get 12 pills a month. I could cope with that. But now I can only get 4. Yeah just 4. So suffer very much and be in pain? They have made it very clear that they could care less,.... And oh I have to pay them to do this to me.
They said to contact my doctor to get him to give me more. That makes no sense at all. !2 pills a month is not many, not many at all. So why force the doctor to add more to the 4 limit. They probably will only allow him to give me 5 pills but never 12.
Plus I strongly strongly suspect that the 4 or 5 pills will cost what the 12 before did, about 150.
Do not trust them, they could care less about us. They really only care about us paying them to be mean to us.
Wish there were negative stars available. If my migraines take over my life. I may decide that it's time for pain to end. Thanks United Hate Care ............. United HeathCare. You've made life so bad and you probably laugh all the time.
Denial of Needed Medical Service, November, 2017
United Healthcare denied a program that I need in acute rehabilitation. I am told by the facility that they are the only insurance company denying this same request. Have left me to suffer pain and immobility. Ignoring Rheumatogist and Physical Therapists.
They donot accept many prescription drug medicines, May, 2017
They would not cover my asthma mefication. They only provide one medication that may be ok for me. I will not be keeping them after this year.
Bad if you choice to get short term disability , January, 2017
Have a surgery,hoping that I have short term disability wish is suppose to help paying bills,cars etc. Till u come back to work but no is been a month and have recive anything the lady that have my case was caned of forcingme to go back to work and do my job with restrictions she also call my empleyer to tell them to put me to work with restriction,doctor gived me 6 weeks and United healthcare wanted me to come back to work 2 weeks after I had my surgery so they dont have to pay me anything wish is not fare for me been paying this insurance for 5 years and when I need it dont get anything,I just come back to work and still waiting have to go with doctor to get a note to come back at early time couse my bills and stuff was on top of my haed already.
Billing is SO SLOW, June, 2016
Your billing process is SO SLOW. The web portal is horrible for companies trying to print out bill, it will rarely let me on. i have to call the number almost every time.
Good, June, 2015
Nothing bad to say about it except it has been good insurance. Out of work now and need new insurance. Looking for new insurance due to unemployment
Railroad Insurance, November, 2014
My husband worked for the railroad for 40 years with this insurance. It was wonderful. Now he's disabled and my insurance runs out Dec. 31, 2014.
MY INSURANCE, November, 2013
INSURANCE I HAD RECEIVED WAS ADEQUIT BUT IS NOW GOING OUT OF MY AREA AND I WILL NOT BE COVERED BY THEN AT THE END OF THE YEAR.
changing because of Obama
no comment, October, 2013
Cost comparison, October, 2013
I've been with United Health for over 5 years and had to go with Cobra due to lost of employment 4 months ago. Rates are really high and I'd like to compare rates with other health insurance companies.
u, April, 2015
What your email address is the way you
keeping Medicare just need a suplimental
very good, January, 2016
Simply, I like the coverage I have with this company.
good, January, 2016
Want to retire I am 62 years old can't get medicare to 65 years old got to add my wife to plan.
Wonderful , December, 2015
okay, June, 2015
i received it thru work, now on cobra,which will expire soon, i had no real problems except last 2 years have a deductable then only pay 80 percent
Employer provided insurance.
It was insurance provide by my college that is no longer avaliable
Please note that I am on Temporary Disability and will be not be returning to work after the 6 months is up in March 2015 as I have just applied for SSDI.
Cobra expiring, November, 2014
My cobra insurance with this company will expire at the end of November 2014. I need to get new insurance for medical, pharmacy, and dental.
Great service/rising costs, October, 2013
I have been pleased with United Health Care which is offered by my employer. However, my rates will increase about $200 to cover my two children. I can't afford the increase.
Denied my husband, April, 2018
In November I sign my self and husband up for insurance. I sent in papper work. I did not here,from the company. In the beginning of January we got our cards and the took money out of my pay check. The end of January I got a letter saying they were dropping my husband for insufficient papper work. I called the number. I was on hold for ever. I finally talked to someone who told me the papper work was there but my marriage was a little blurry so the system flag it. I was yo send amother copy I did. The still have not reinstated him. It is end of April. I called several times all they can tell me is the papper work is there they can see but he is still denied. I can not talk to the depart that made the decision because they do not talk to customer only Customer service people do and they can only tell me what the computer says.
No Company should treat their customers the way th, April, 2018
It is the School districts choice for insurance. As far as I'm concerned they are waisting their money as well as that of the empoyees by having this cut rate insurance. They love having their customers embarrassed, humiliated, and in pain.
healthier without it.to many reasons to turn down , April, 2018
you turn down almost everything even spe ialists.I have liver disease and I found I do better not haveing you .disabled and am not getting results from you or dr s
.something going on when you denied help then te'll me my appeal can't happen when I get you're notice before in the mail before i get the noti e about the appeal 2019 will be a better year.
The provider denies most prescriptions , March, 2018
As a NC state retired employee, my only option was United Healthcare. Since I’ve been on this plan, my prescriptions have been routinely denied. I am also forced to pay copays even for nurse visits. Customer service is nonexistent with this mega company.
Mrs. , March, 2018
Worst costumer service ever ! Be willing to wait over an hour every time you want to talk to a live person! I would give them zero stars if I could.
Zero stars for requiring PA for BCP, March, 2018
Zero stars for putting company profits over patients. UnitedHealth CEO's compensation swells in 2016 to $17.8 million. UnitedHealth Group CEO Stephen Hemsley made $17.8 million in total compensation in 2016 for running the nation's largest health insurance company.Apr 21, 2017
United Health is very reliable., September, 2017
I do not have to have any referrals to see any doctor/specialist. I have no co-payments at any doctor's office. Very helpful with any problems which is usually something that I don't understand. I have a registered nurse who contacts me every 2-3 weeks to find out how I am doing, changes in meds, any new health problems. The nurse is very helpful and informative. My only problem is the high cost, but I guess it's goes back to the saying "You get what you pay for."
Worst insurance company I've ever had to deal with, September, 2017
This policy was chosen by my husband's employer and is the worst company I've ever had to work with.
We have been with them for a little over two years. They have paid one claim to each of two doctors I have seen during this entire time. I've called, the doctor's billing departments have called and they refuse to help. Every claim has been denied and they refuse to pay and none of can ever speak to anyone that can/ will help us understand what they need or why they're of paying. They keep saying they need full medical records and they have been sent repeatedly and denied repeatedly.
Yesterday I received a call from my doctor office and they are now refusing further medical care. I have a chronic health condition for which I am required to see the doctor once a month and they cannot by law treat or prescribe my medication without seeing me.
At this point I am unsure what I am going to do. This may possibly be a situation that ends my life. My doctor is going to turn it over to their attorney but I could be dead before they get a resolution.
If you have ability to choose your insurance provider please make certain you choose another company
Overall pretty good in all ares, July, 2017
If my company was not closing I would stay with the health plan.
United HealthCare covered my docotors appointments, April, 2017
UnitedCare did cover all my doctors appointments. My bloodwork & my port being flushed. It also covered my petscan that I needed to have.
13, November, 2016
Would like something cheaper than 170.00 a
Thet have given excellent coverage, July, 2016
United Healthcare has always been there for me giving me excellent coverage in times that I needed it. Their deductbles are very reasonable and their coverage is excellent. This is why I would to find out what it cost me per month.
overal the company was satisfactory, July, 2016
The policy was satisfactory but the company decided that it was no longer to offer insurance after the end of this year
Never again, June, 2016
They hung up on me
Very Good, June, 2016
They are very fair in covering their claims
Satisfied with present insurance company, May, 2016
Contract with school board final as of July. Checking to see what personal health insurance will cost in the future.
Lost coverage through employer, May, 2016
I lost coverage through my employer and am now in disability.
not eligible for medicaid, April, 2016
Not eligible for medicaid
im turning 26 need own insurance, March, 2016
I was under my mom's policy . now I am turning 26 yrs old . Have to get my own poilcy
excellent, March, 2016
its a great plan. covered all mr rxs specialist dental n optical.able to cover all my medical conditions. and all specialist I needed for my diabetes
Michigan Medicaid, February, 2016
I have UHC through Michigan's medicaid program. I now live in Florida and have medical issues that need to be address soon.
I will be filling for SSD once I am fully settled in Florida.
cost very high, January, 2016
i am looking for less expensive insurance because I don't have a job yet.
Good company, November, 2015
I have Medicare. So far of all the Dr appointments I have had the only payments were made by Medicare. I pay a high premium and nothing is being paid from that insurance. I would be happy to stay with United Healthcare would like the premium to be lower.
Love United HealthCare, April, 2014
Had policy through my job, but now I lost that job, so I won't be able to afford the kind of great policy that I had through that job.
my mom is getting ready to retire, March, 2014
My mom has carried me on United Health Care for 18 years. She is getting ready to retire and I need to find some insurance.
No written, March, 2014
I am asking you about applying with your company. Why are you asking me about an existing policy?
n/a, November, 2013
This insurance was offered through my last job.
AARP United Healthcare, October, 2013
Medicare Insurance helps with the care I need.
Cost, October, 2013
Would like to see if better rates are available. I'm on fixed income and my insurance costs keep getting higher each year.
better mental health, October, 2013
Looking for better mental health coverage
Saver 80 saves the day, October, 2013
The saver 80 an affordable plan that provides coverage for hospital confinements, surgery, and the more costly outpatient tests.
fINE, October, 2013
hAD NO pROBLEMS
Looking for best deal - Better coverage, October, 2013
Looking for the most cost effective insurance. See where I compare with other insurance companies. Have to save money where I can.
Losing Group coverage on 11/1/2013, October, 2013
I've changed jobs and will need health insurance coverage for apprx. 3 months until new employer adds me on their plan.
USInsurance-UnitedHealthCare, October, 2013
Due to pre-existing conditions, State offered insurance
Great compony. Always paid in timely manor
Looking for Updated Options, October, 2013
It is always a good idea to check on marketplace availability of updated or enhanced options to your current product. There is always room for immprovement.
Richard Frost, October, 2013
This company has alway taken care of any problems. Never had any issues. Been fare, etc. During current issues have been very helpful with Nurse Care, etc.
Customer service, notification of appointments, perscription notification, personal review of health condition, personal review and follow up, home visit by medical personel, advise on personal health care and ailments.
This was the company my husband had through work. We were very satisfied with the cost and the ease using.
PCIP, October, 2013
EXCELLENT COMPANY HANDLED CLAIMS FOR PCIP THE GOVERNMENT PRE-EXISTING HEALTH INSURANCE PROGRAM
Cobra from my company after I retired.
health, May, 2013
This is secondary insurance through my husbands work. Customer service is very polite & actually call back with the answers! Very easy to use automated & to get a live person if needed.
Premiums on the rise., June, 2012
My premiums are being raise 46 % and I'm required to have health insurance by the school I will be attending.