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United Health Care Ratings

1.5 coverage
2.0 cost
1.1 service
1.1 claims
1.4 overall rating

Based on 131 reviews - 1 is lowest, 5 is highest

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0.0 overall rating
by Anonymous

terrible

I started the process of joining UHC in January and still do not have an ID card, cannot get any information or talk to the same person twice. They have no problems cashing my checks.
0.8 overall rating
by Susan

United Healthcare

United Healthcare do not cover anything. Even after calling to confirm coverage. My son had an emergency situation. I called from the car and they assured me that Urgent Care was covered- I got there and it was not covered. We had to drive to an ER at the local hospital. Now we receive a bill 10 months AFTER- saying it is not covered. How can the ER not be covered ???? Do not sign up for this insurance plan.
0.8 overall rating
by Anonymous

Non Insurance....

Have kidney disease and my kidney doctor recommended a hospital that has an outstanding record of transplant work, and is 10 miles from my home. United DENIED this hospital as "they are not accredited" by them and wants to send me to 1 hospital in Boston, 80 miles from here. They also mandate I use only doctors from that hospital, not my current doctor. Their copays are a farce also, $1100 MRI invoice, UNITED paid $150. Ambulance invoice of $1200.00, UNITED paid $100.00 Non insurance IMHO
0.0 overall rating
by Anonymous

Mediacal Claims

UHC is the worst insurance for members & providers. they don't pay for either. I guess the only ones who are getting paid are the people who work for them. Maybe that's why their premiums are so high. Like everyone else have to call them several times to get anything taken care of right. Spend more time doing their job. They should be paying me fixing their mistakes & gathering info.
0.0 overall rating
by Ali

Transition of Care non-payment

I have been dealing with United since my company switched Insurance Providers. My daughter had a traumatic experience happen to her and I had no issue with my previous insurance company Aetna. Since my Company changed Insurance Companies I have had nothing but horrible issues with United. I received documentation of authorization for the transition of care that was good from January to April, which I did not even get that authorization till the end of April and I had been fighting with United from November to get before then. I then get the Transition of care and the 1st Dr. Visit that we have under the United coverage which was 1/19/2015. Since that time I have had 9 more appointments and I have paid my co-pay of $40 and my Dr. Office has sent in insurance claim form completely documented with all their information. My Dr. Office has receive no payment from United and we have had 10 Visits which at this time shows a grand total of $1,100 that United owes to my Dr. office. I have called numerous times and been on the phone with United for hours at a time my Dr. office has called numerous times and also been on hold for hours at a time and given incorrect information as have I. I have asked for a Manager numerous times and not transferred to a live person. I have been told one will call me back or transferred to a voicemail and no one calls me back. I have been laughed at and talked to like I am dirt and at this point I am at a loss of what to do. No one in this company will help me. Please if someone can help me with the issues that I am having I would forever be in your debt because as of right now I have been on the line with them for 58 minutes and counting. PLEASE HELP!!!!!!
1.8 overall rating
by Susan

Azzzzholes

My Lovaza, Morphine, Inhales, Bee Pen, and most life supporting medicine is NOT covered. I am on complete disability and cannot get all but one of my medicines. I am 48 and have seven young children, three step children in college, and three grandkids from my husband. We have about 1000 per month from disabilty and NO other income. Do not get this insurance, or Cigna, if you want to live !!!
0.8 overall rating
by Anonymous

Crappy customer service

I'm new to OptumRx. Mailed my prescription and check in a month early. Called beginning of next month and my prescription had not been orocessed because they stated I didn't call them to tell them to fill it. When initially registered with the specialty pharmacy I was not told this. I told the rep I spoke with I needed the medication for the next month. I was told to just mail in the RX and payment, that was it. Now 4 days into the month and no meds. I received no call or email about my prescription. So much for improving patient compliance and clinical outreach.
1.3 overall rating
by Anonymous

out of network claims

Worst insurance company to deal with EVER.
0.0 overall rating
by J.M.Fuller

United Health Care Is Horrible

We had United for the year 2104. HORRIBLE coverage, Worst ever. Cost approx $102 per month. Had charge after medicare, United paid $.29..yah, only $29 cents. Said co=-pays, deductions, etc, etc. Pure crap. Had another bill after medicare, $188.00. United paid $.19. Only $.19. HORRIBLE, all they do is promise with lies. This company should be closed for fraud and corruption. Do not use, RUN away from them as fast as possible. Do not get conned like we did. RUN.
0.0 overall rating
by Anonymous

Scammers!

Sign up with them at the beginning of Feb. and few days later got a letter in mail telling me that I need to confirm some information about me and if i don't get in contact with them my insurance will cancel. So I've been calling then and leaving messages and no one calls me back. They already charged my bank account and it feels like I lost that money. They seem to be more like scammers.
0.0 overall rating
by Anonymous

Telephone UnHelp

trying to get help by telephone is miserable. I was on hold for 20 minutes (after being told it would be 10 minutes) and then the person i talked to said she could n't help, transferred me to another, which was disconnected. Called back. waited 10 minutes for agent to be told she couldn't help me because i was in Virginia. Huh? Third person was less helpful. I give up. Will change providers when i can.
0.0 overall rating
by Anonymous

United Healthcare RX Plan

Every year I seem to have one or two questions on my Prescription drug plan I have through AARP/United Healthcare. So I have to call customer service. This year was no exception and when I called I was on HOLD for 39.35 minutes. Every year it get's worse, not better. I asked why the long hold time and the person indicated they we very busy and apologized. But that's what they always do, apologize, but nothing every changes. All told it took me almost 1 hour to get my needed answer in order to get a very important prescription filled. I'm very unhappy with the customer service I have gotten from them and find it unacceptable. Since they never change it evident to me that they really don't value their customers. I suggest that people call the customer service line of any prospective RX provider before signing up at least 2-3 times. That way you'll have an idea of how they operate. AARP/United Healthcare RX plan will not be the one I choose this year. Every year since 2011 it's gotten worse.
0.0 overall rating
by Anonymous

Impossible Company

After enrolling in Medicare Part D, and given a monthly rate, the premium suddenly tripled when the coverage began. After waiting more than an hour on hold, the company representative tells me that I have to complete some forms to cancel the coverage. The customer service is beyond horrible. I'm surprised that AARP endorses this hideous company.
0.0 overall rating
by Anonymous

advocate

I deal with insurance companies all day long advocating for health care needs of patient for treatment. UHC is the worst health insurance I have ever come across in my 20 years of experience. They try changing their name to OPTUM but under whatever name they use their only goals is to NOT PAY FOR PATIENT CARE. They care more about keeping money than helping their consumer all in the name of managed care. This company is the poster example that gives managed care a bad rap.. MY ADVISE IS TO NEVER OPT FOR THEM IF YOU HAVE ANY OTHER CHOICE.....
0.8 overall rating
by Anonymous

Holding prior approval until January

Surgery scheduled for late December, the approval was delayed and surgery had to be cancelled. Why was the approval delayed, because delaying until the new year dictates Client has to out of pocket and deductible. Makes Financial sense for the insurance company.
0.0 overall rating
by Margaret Roberts

Customer Service

I was on the phone for a hour and thirty minutes and spoke with 6 different representatives before I got my problem resolved. It seemed each did not know what the other was doing. Being transferred and kept on hold for this long is inexcusable
0.8 overall rating
by Anonymous

Dealing with United Healthcare Will Actually Make You Feel Sick

I wish there were zero stars. I have had nothing but problems with simple claims and UHC blames it all on "the way the bill was coded." Run away from UHC if you can. They are expensive on their premiums and they'll find a way to not pay. Then when you appeal.. they'll get a bunch of people from their company to say they see your point, but, nonetheless, the appeal was denied.
0.0 overall rating
by Anonymous

Dental Coverage Denied

Constantly denying dental coverage after contacting UHC prior to the dental work being done. It has been well over 3 months since the work was completed; a simple crown. United Healthcares Dental coverage is a joke and a disgrace. A UHC representative informed my dental office that my portion would be $500.00, so I agreed to have the work done; now UHC is denying the entire claim of upwards of $1,332.00. This type of treatment by insurance providers must end.
0.8 overall rating
by Anonymous

Pre-Existing Condition Difficulties

I have diagnosed sleep apnea from my previous carrier Blue Cross Blue Shield. My endocrinologist had a new sleep study completed recently which indicated my condition had worsen. My current CPAP machine is over 6 years old and does not work properly. It sometimes will not come on or stop working in the middle of the night. My primary care doctor was given the sleep study to order a new machine which was denied by UHC. They stated a peer review was necessary to authorize the machine. I have been on the phone for 1 hour and 5 minutes. I have spoken to 11 representatives including two in the Philippines who cannot deal with state of Texas claims.
0.0 overall rating
by Anonymous

Deny, Deny, Deny

Their mantra is deny deny deny....if you fight them and appeal for months on end you may win but...I cannot wait to go back to BCBS. I chose UHC instead of BCBS because they were a tad bit less expensive. Huge mistake on my part.
0.0 overall rating
by Anonymous

Withholding Lifesaving Treatment

Shame on your United Health Care! You are withholding lifesaving treatment because you don't want to pay $10,000 for it! Ridiculous! Plus, you weren't even going to let us know I was denied - we spent valuable weeks waiting on your response. If I do not survive, my blood will be on your greedy filthy hands. I hope you're overjoyed with your $10,000!
0.0 overall rating
by Anonymous

Difficult to Work With

They recently rejected a claim for a prescription my son takes and when I questioned the policy they said my firm changed my coverage. I called HR immediately and was told that that was untrue. United Healthcare lied to get my son to switch to a lesser drug which cost less. My doctor submitted a note and mysteriously the coverage was continued. The only change? They were found out. I am currently working on a claim that is from a November appointment requiring a full day battery of required tests. I only found out they wanted more information after they hadn\'t payed in 2 months. I got them their answer within 5 minutes. Suppose I hadn\'t called to check on the delay? Do you really think they would have contacted me? I got an appeal department fax number yesterday and 24 hours later the number is still not operational. The second fax number I was given today is not operational either. Are you kidding me? A major national insurance company having numerous representatives give out a number to customers that doesn\'t work? I called again today to speak with somebody in the appeals department to get a contact name or number or possibly a working fax number. The representative said there is no number for the appeals group just the fax numbers that font work.
0.0 overall rating
by Anonymous

Difficult to Deal With

United refused to cover a drug (Nexxium) prescribed by a Dr. for my husband few hours ago after surgery - and urgently needed; he\'s a cancer patient and it is needed for horrible side effects from chemo. United thought he should take something else instead and the something else doesn\'t do the same thing and is NOT the same thing per the Pharmacist. It is Friday night and they want a \"pre-auth\" done by the Dr. before covering it, so I just paid over $10 a pill to see him through the next few days while this gets sorted out, stating Monday.
1.0 overall rating
by Anonymous

UNITED HEALTH CARE

My 20 y/o son was diagnosed with Bulimia. United Heath Care does not think it is a serious enough issue to warrant a 5-day a week 6 hour program. They suggest that he should see a doctor 1-2 a week an hour each visit. It has been appealed 3 times and it keeps getting upheld by UHC (of course there is no outside appeals board). United Heath Care has refused to pay any of the $395.00 a day rate, which will have to be paid by me and of course i will pay it. I was one of the Officers of my company that help choose this new insurance company last year after they sold me a load of BS.
0.0 overall rating
by Schlueter

Illegally Started a Policy

United started a dental plan for us without our permission. They charged us 3 months and will not take the cost off of the records. They did take money from our Silver Sneakers account without our permission and applied it to the dental policy. I have been given multiple dates and broken promises about a correction that should take a few minutes.
0.8 overall rating
by Anonymous

They Pay Nothing

This insurance company is the worst. They pay nothing. Deductibles are high even with the lowest deductible.
0.8 overall rating
by Anonymous

No Options For Post-Knee Replacement Rehab

My friend just had knee replacement. Her choices for aftercare are to either pay $7,500 or go home alone without any care. She can\'t drive to physical therapy and lives alone in a multi-level house. She will not heal correctly without good aftercare!
1.3 overall rating
by Andrew

Customers Are Undervalued

I have never had to fight on claims with any other health care in the past. Explanations change to fit their needs. Don\'t expect to be covered for anything. Preventative is all in the eye of the beholder to this company. I spend more time on the phone with them than anything.
0.8 overall rating
by Anonymous

Terrible Mail Pharmacy For Meds

They want you to use their pharmacy to fill your prescriptions and if you don\'t they hike up the prices so high that you have to either pay for it or do without. You cannot depend on the delivery of the meds to your house either. The postal system is always late, someone will steal your medications or it will come damaged.
0.8 overall rating
by Anonymous

OptumRX Specialty Pharmacy

UHC is forcing me to get my anti-rejection drugs via mail order instead of my local pharmacy. They are delivered via UPS and left out where they can be stolen and are exposed to the weather. These drugs cost UHC over $1,300 a month. I have to take them EVERY DAY to stay alive. What if they get lost or don\'t get to me on time? If my dose changes, I have to wait days to receive the correct dosage. I have contacted them on several occasions about my concerns and they don\'t care. They won\'t even give me a supervisor to speak with about it. This is causing me extreme unnecessary stress at a time where I already have health problems to deal with.
1.0 overall rating
by Anonymous

Terrible Customer Service

UHC has terrible customer service. No one at this company seems to know what they are talking about when you call with a problem. I have done business with three previous insurance companies and this one is the absolute worst!
0.8 overall rating
by BB

I Payed, They Want More Money

UnitedHealth is the same as United 1, which is the same as GoldenRule/Golden Rule. Just 1 month after I paid for a 6 month plan, I was notified that in order to cover the last month, they now wanted an extra 2 months pay! I already paid the non-refundable administration fee. Is that even legal? When I later called for a simple request, it took me 3 hours to speak with a rep and get the information I needed. I was put on hold 7 times and left to wait for over 12 minutes each time.
0.8 overall rating
by Anonymous

Won\'t Cover Needed Tests

My husband is paying for this insurance through the company that he works for. I have had to fight them tooth and nail to have ANY prescriptions filled since we got the policy. I have gone to their approved doctor for the past 3 weeks about unknown swelling in my face and head. I was referred to the local hospital for x-rays to check my sinuses and so far have not gotten a bill that they will not pay. However, the x-rays did not show anything, and my doctor wanted to send me for a CT scan in case something more severe was going on. They have refused to pay for the CT scan, and stated that they will not pay for it unless it is stroke, or facial trauma related. I called their nurse line tonight because it feels like someone is stabbing me, and I have palm sized goose eggs on my head and face from the swelling. They tell me to \"call your doctor in the morning\". WTF?
0.8 overall rating
by Anonymous

Bad Customer Service

UHC has high premiums to start with. Then, when I switch jobs and got different coverage, they couldn\'t get their act together to send the proper paperwork to me. I\'ve called three times and they have the same excuses as to why it is not done. It seems that they are only trained to run you in circles.
0.8 overall rating
by james

Good Luck Trying To Find A Doctor

I\'ve been trying to find a Rheumatologist for the last week. Every doctor that they have listed will not accept anyone new! I called for help they just gave me the same list that was on the website.
1.0 overall rating
by G.Tello

Not the Same Kind Of Coverage I'm Used To

I was switch to United Health Care. I went to get a physical at my local clinic where I used to go when I was insure by my other insurance company. My doctor, after the physical, recommended a blood test. I got this blood test always thinking that my old insurance always covered this type of test. To my surprise, I received my first bill from United Health Insurance telling me that because the clinic was not part of their network, my claim was going to be denied. Now I am stuck with 100% of the bill. I went a whole year paying for this insurance and I am now being denied even the smallest claim!
1.0 overall rating
by Anonymous

Wouldn't Cover Physical

I went in for a regular routine check up. I had to pay $150 for a co pay just for a physical and pap. 3 months later I get a bill from Providence Hospital saying "your insurance provider denied paying for physical". I had contacted UHC and they said that they were going to look into it. One year later I'm getting my paycheck garnished. They are just a waste of time and money.
1.0 overall rating
by Anonymous

Terrible Prescription Coverage

Absolutely the worst coverage I've EVER had!!!! This company will do almost anything to keep you from getting coverage. I have been on two controlled substance meds for over 5 years, which I 100% need. UHC has a $3,300 deductible on meds which once you fulfill, they will only pay between 50-80% of that med. So, I finally reach my $3,300 deductible later and they now decide they will only pay for 8 days of meds at a time. I ask my pharmacist, who has gotten used to seeing me every few days now, why they are making me come every 8 days and SHE gives me some addiction rhetoric about LUNESTA being an addictive drug! "UHC recognizes that Lunesta is an addictive drug" is exactly what she said. I can't even fill my RX without someone treating me like a drug addict. We need to fix healthcare in this country(somehow) and stop being so judgmental of others.
0.8 overall rating
by Anonymous

No Coverage

Why have insurance at all? The insurance doesn't cover anything. Every doctor visit is followed by a two page letter requiring proof that the visit was not for a pre-existing condition. United Health Care spends more time and resources on try not to give you coverage than what they spend on actual coverage.
1.8 overall rating
by Anonymous

High Co-Pays

My mother was hospitalized recently for hip replacement and then transferred to a rehab facility. I believed that Medicare would cover all her rehab cost, which it would have if she did not have the UHC plan. Instead, she is paying $50 a day! This is because United becomes the primary insurer and medicare becomes secondary, and United's so called "benefits", come with a co-pay of $50 a day. This is her second round of care for this leg. Earlier this year she was hospitalized (couldn't walk, but no one found out why even after scans, x-rays, and an MRI) and discharged after a two day "observation stay" in the hospital. This meant that she had to private pay $10,000 to stay in the rehab facility since Medicare does not pay for rehab without a 3 day hospital admission, the private policies like United don't pay either!
0.8 overall rating
by Anonymous

Employee's POV

UHC has self-funded plans. "Self-funded" means that your employer decided on the medical benefits. UHC just administers them. If you don't like what your plan covers, call your HR department. They are the ones who make the decisions.
0.8 overall rating
by Anonymous

Nothing is Covered

I was satisfied with our insurance coverage via UHC until this year - when suddenly, without us making any changes to our plan, and without any notification - we start getting bills for things which were covered in previous years (even though we've used the same doctors, had the same tests, etc.). We find out we all (my husband, me, and our infant daughter) have LARGE deductibles out of the blue this year (and we're not paying any less plan-wise). Okay, distressing enough, but we deal with it, we figure times are rough for everyone. However, add to that we get a bill, pay it, and THEN, a month or two later, are sent ANOTHER bill for "adjustments" to the previous bill, which we had thought were all settled with our previous payment. Some of these "adjustments" are quite large, while others are in the realm of $8-$11, with no explanation. Okay, we figure, whatever, that isn't a huge deal, even if it IS quite annoying to think a bill has been settled and then get hit with ANOTHER charge. Then I show up for a doctor-prescribed test that I've had before with no problems, and I am told I can't have the test because UHC hasn't approved it. They've started requiring pre-approval ahead of time for standard tests that didn't require it before. At that point I began to lose patience.
1.8 overall rating
by Anonymous

Uncaring

This company does everything they can to not have to pay for medicine. My husband has Rheumatoid Arthritis. He has painful joint damage, especially in his hips. He takes Ebrel, an expensive, injected medicine. Without it, he has difficulty moving and is in constant pain. Every month when he tries to reorder, United Health Care puts up so many barriers that he often has to go without his medicine for several weeks. United Health Care has done everything they can to get out of paying for his medicine.
2.5 overall rating
by Anonymous

Not Bad

I have had issues with this company, but nothing like everyone else. Yes, the price is a bit high and it does get raised, but when it comes to approved surgeries or procedures I have had no problems with some getting approved on the same day (MRI). Every once in a while for some reason (sometimes I think to just test people to see if they will pay it out) they will claim something is out-of-network even though it is in-network and try and get me to pay the entire cost (out of network for me means I pay 100%). In general the people I talk too are willing to work with you with a few having issues (bad day's for them too). It seems to me that their customer service is in the USA and if not the people I talk too speak better English than many people here in the states. I am not sure if the negativity is due to individual coverage or through medicare as mine is through my work. However, my mother who I go over her medical bills has had not issue with them either and has only had to pay for one item through a few surgeries (knee surgery at 88) and that was a transfer from hospital to rehab center.
1.8 overall rating
by Anonymous

Poor Customer Service

When I call instead of just being put on hold they often have the recording say to call back later in the week! I'm usually on hold for 10 minutes before they can get me to someone who can't answer my questions. I find they're so poorly trained though that if you can spare the time to keep calling back you will eventually find someone who slips and reads the policy wrong. Write down the time, date, and that person's name, as you're sure to need it during the 6 month appeal process.
0.8 overall rating
by Anonymous

Provider's POV

I called to ask a simple question on behalf of a patient and after being transferred for the 3rd time, I finally got an answer. All I wanted was for someone to verify for me that a form letter meant what I thought it did. This was in relation to one of their Medicare Part D plans. Medicare has examples of typical letters they send to Medicare beneficiaries on their website. It was a general question - there was no need to give out any of the patient's personal information. Indeed, when I've called Medicare and Medicare Part D plans before, they will NOT give out information unless the client is present (a little thing called HIPAA). I told them they did not need any patient information - I just had a general question; all I wanted was to verify what a letter the patient received meant and that it was a typical form letter. When I've called other Medicare Part D plans, I've been able to immediately connect with someone who is very friendly, knowledegable, and helpful. I told them that their customer services were not very user friendly and they might want to list several different phone numbers for various types of questions if the number given for their Part D plan was not actually going to take a caller to someone in the Part D plan.
1.0 overall rating
by Anonymous

Terrible UHC Medicare Complete

Their "free dental" through Solstice Dental is also a joke. I have tried to get our mailing address changed from street to PO Box for 9 months, to NO avail.
1.0 overall rating
by Anonymous

$10,000 Out-Of-Pocket

I got insured by United Healthcare through work. With the supposed insurance I had to pay $2,000 for just 4 stitches. This when I thought I had a $500 deductible. It turns out you have to pay 80% of the bills until you reach $10,000 out-of-pocket.
1.0 overall rating
by Anonymous

Different Excuses

They tell me something different every time I ask the same question. They are terrible with out-of-network, gap requests, and do not pay claims!
0.8 overall rating
by Anonymous

Employee's POV

If it makes you guys feel any better they do not pay their employees claims either. If you obtained insurance through employer/commercial your calls go overseas. If you are on a medicare, medicaid, or medical assistance plan you will speak to a rep in the states. Extensive training program for their systems and just enough real info for them to TRY to interpret your claims. You get 3 different answers? Reps get 10 different answers when trying to verify through the channels. However, part of it is due to the "beast" and the other part, well yes...there are just some stupid reps out there AND if you have an overseas rep they really don't care about you. But reps have no knowledge that they are being trained to skirt the "system". if they are fine with being little drones the job is great and they don't have a clue. If they are a little more inquisitive they realize real quick whats up and jet, especially with the new healthcare plan coming up. The ones who understand and have ethics RUN.
1.0 overall rating
by Mary

Nightmare

I have been trying to get a prescription filled for 2 weeks. After another HOUR on the phone, they tell me there is a misunderstanding between my doctor's office and the local pharmacy, that my prescription does NOT require pre-approval.
1.0 overall rating
by Anonymous

Loopholes Galore!

Count on them trying to avoid payment in every possible situation where they can. They have given themselves loopholes and use them whenever they can. And don't bother appealing their claim determinations. It just gives them another opportunity to turn it down. It's not like the claim is reviewed by an outside source.
1.3 overall rating
by Daren

Poor Out-Of-Network Coverage

Out-of-network is covered in the case of an emergency with my policy, but I had to highlight it and mail it in. I am still appealing this over a year later on the state level.
1.3 overall rating
by Anonymous

Difficult To Work With

You have to jump through hoops to get pre-certified for a procedure or test. If the doctor refuses to do the peer-to-peer you stuck trying to get them to go ahead and authorize.
0.8 overall rating
by Anonymous

Former Employee POV

I worked for them and it was the worst job ever. We got no raises and no bonus. The big bosses keep it for themselves. When you contact HR, they do not have half a brain. Avoid getting a job here because they rip you off.
1.0 overall rating
by Anonymous

Poor Reimbursement To Providers

UHC's poor reimbursement rates to providers leaves members with the most uneducated providers to choose from. Just because your provider is on their list, doesn't mean they accept UnitedHealth care. The best providers are de-paneling because United pays them so poorly. Opt for an insurance company that takes care of their providers. The panel of providers is really what insurance companies are selling.
0.8 overall rating
by Anonymous

BAD Company

On paper this looks like a decent health insurance policy until you use it. Then their business model turns on you and denies your claims. Then you have to appeal while collection agencies go after you, threatening your credit rating. All the while, UMR takes It's sweet time to "look into" your appeal. don't believe them if they say you are covered for a procedure.
0.8 overall rating
by Anonymous

Slow Claim Processing

I've had four new insurance cards in one month and they keep dropping our coverage. It's taken two months and I just got a response that my request for reimbursement was declined and I have to start the whole process over.
1.0 overall rating
by Anonymous

No Coverage For Diabetics

I only had this health coverage for less then a year and they are terrible. Diabetics have to wait 1 year to get coverage as it is considered a pre-existing condition. They automatically turn all claims down and make you fight for what you pay for. They lose paper work, hang-up on you, and are down right BAD.
1.3 overall rating
by Anonymous

won't Pay For What Was Promised

We were told twice on the phone that something could be covered. When the claim was filed, UHC refused to stand by what they had told us. They rejected the claim in spite of what they had said. Who can you trust?
0.8 overall rating
by Jamie

Paying 50% Of Bill Instead Of 20%

My 3 year old son had surgery scheduled. I called UHC the morning of the surgery to pre-certify. They told me the provider needs to pre-certify. I called provider who told me they already called to pre-certify and were told it wasn't needed. The surgery was a success. Then the explanation of benefits comes in the mail. It shows that they are going to pay 50% and I have to pay 50% because a pre-certification was not done (my coverage is 80/20). I called and explained the certification process I went through. They said "no, It's the employee who must certify" and we have no record of your call. I told them I called and was told the provider needed to pre-certify and have cell phone records to prove it. They said to send all the information to an appeals board. So I did. I call 30 days later after hearing nothing and they said "were sorry it went to the wrong place". I read them the address they gave me and the rep said it was correct. So they had to resubmit and take another 30 days to review. Meanwhile I'm getting calls from the provider for the money due. I call the provider and they allow me to wait on payment. After 30 more days I call UHC and they say the appeal was denied and that the provider needed to pre-certify. I explained both myself and the provider called to pre-cerity and they told us it wasn't needed. She said "I will forward you to the rapid resolution center". The resolution center heard my complaint, reviewed it, and said the provider was paid correctly at 50% for not pre-certifying. I said, ok, that's between you and them, but why do I have to pay 50% when my plan only states I owe 20%? If It's the providers fault then It's out of my hand. She said I see, let me take 5 days to look into this and call you back. Four days later I received a call back from the resolution center and they said "you owe 50%" to the provider and if you want you can call the provider and get them to lower their charge. I call the provider and they say the EOB says the patient owes 50% so we want our 50%. So in the end, UHC lied about pre-certification (both the provider and I have proof) and they have consistently delayed and refused to pay. They get a discount by only having to pay 50% to the provider where as instead of me paying 20% I'm now going to have to pay 50%. I'm being penalized for the provider not per-certifying (which the provider has computer records that they did pre-certify and I called them the morning of the surgery and verified this).
1.0 overall rating
by Anonymous

Will Do Anything Not To Pay

United Healthcare will deny services and wear you down in 'customer dis-service'.
0.8 overall rating
by Anonymous

Canceled But Paying

I was told by and agent that a part of my policy was underwritten by Colorado Bankers. I canceled my insurance 3 weeks ago and now Colorado Bankers are still charging me saying that will not refund my money because the agent didn't do a good job explaining the cancellation process.
0.8 overall rating
by Anonymous

Every Claim Is Denied

They messed up or denied (at first) almost every claim submitted. They take forever to process their claims and their rules are confusing. If they don't have a rule excluding your claim, then they have processed the claims incorrectly and avoided paying me/the doctor when they should have. There are 2 deductibles - for in- and out-of-network care. My massage therapist was not in-network, but they applied an in-network deductible saying that all massage therapy was considered in-network. What? I submitted a claim for a naturopath. According to their policy they should cover it as a STD office visit, with no deductible. They messed it up 2x. Turned out that they "categorized" this doctor differently, as an acupuncturist, and therefore there would be a deductible applied before providing 60%. This was wrong; the claim was submitted correctly both times; it finally got corrected but not without a lot of effort. I'm still waiting on a claim to be processed 14 months later for a surgery and just found out that the claim is still being contested.
1.3 overall rating
by Anonymous

Frustrating To Work With

The City of Folsom just forced It's employees to switch to United Heathcare from Health Net. My first experience with UHC was the most frustrating I have ever had with an insurance company. Customer service wait times are long and the reps are inexperienced!
1.0 overall rating
by Anonymous

never Processed Cancellation

I wasn't happy with the coverage that I was getting with UHC, so I decided to cancel my policy. I sent in the required paperwork and thought that it was all taken care of. Apparently UHC either never received or never processed the paperwork, so my policy was never canceled.
1.0 overall rating
by Anonymous

Poor Customer Service

They take your money they don't cover anything. You call customer service and you can't understand a word that they are saying.
0.8 overall rating
by Anonymous

Cost Estimator Is A Joke

Their online cost estimator to determine your out-of-pocket expenses for a particular procedure is ridiculously inaccurate. I'm currently at 2x the estimated out-of-pocket and I'm still getting bills. Customer service is a joke too. If you ask 3 different reps the same question and you'll get 3 different answers.
0.8 overall rating
by Anonymous

Wouldn't Cover Bills And Forced Us Into Bankruptcy

They don't want to cover or pay for anything. My son ended up in the ER and admitted to the hospital because the asthma medication they told us was the approved substitute was in no way shape or form the same as the "brand". We are in the process of going through bankruptcy to cover the bills incurred from the hospital stay.
1.0 overall rating
by Anonymous

One Long Fight

My daughter had to see a pediatric neurologist, so I called to see who was in-network. They tried to refer me to a some kind of doc that specialized in nephrology. I had to fight for 6 months to get my thyroid test covered.
0.8 overall rating
by Anonymous

Expensive Pharmacy Plan

Their 3 tier pharmacy plan is a ridiculous plan. If you are unable to take a generic brand, they penalize you for it by charging you extra. I picked up 15 pills of Wellbutrin 150mg today and was charged $50. They also charge $50 for 30 pills. don't you think it would be logical to charge half the price sine you are only getting half the dose? I was charged $50 for a generic brand of Yaz,but only charged $30 for the brand name Yaz. Talk about inconsistent.
0.8 overall rating
by Anonymous

Denied Pre-Approved Test

I have UHC through my wife's employer. My doctor wanted me to have Ctmylogram. I called UHC twice to make sure this was covered. I even told the rep that I would not have test at this time if it was not covered. Both times the reps assured me that the test was covered. The hospital also verified that test was covered. After the bill was submitted, they denied claim!
0.8 overall rating
by Anonymous

Very Unsatisfied

I have UHC Options PPO through UMR and just switched to them a few months ago from First Choice though Meritain. UHC's network is significantly smaller, they seem to take FOREVER to process anything, and they don't seem to have that much actual care for their members. They denied me coverage on a transition of care to see an out of network physical therapist for a surgery I recently had. Do they even value my health!? Probably not... I am EXTREMELY unsatisfied.
0.8 overall rating
by Anonymous

Little Coverage

They take your money and give you nothing. I have faced multiple instances with them. First they declined my skin ointment saying that my age was not suitable to use it. Why the hell then doc would prescribe it? Second, they took more than 6 months for my claims to settle. Last but not the least, when I suffered a hearing loss, the company said that they cannot cover hearing aids.
1.0 overall rating
by Anonymous

No Coverage

None of the health care professionals that I need to see are covered under UHC. Why? Becausethey don't pay on time, if at all!
0.8 overall rating
by Anonymous

No Coverage

I have R.A. and Fibromyalsia. They refuse to pay for a new medication because it is too expensive. Instead they want me to take something that my Doctor hasn't ordered.
0.8 overall rating
by Anonymous

No Coverage

I got this insurance through my company, so I thought "why not?". What I didn't know was that they do not cover anything.
1.0 overall rating
by Anonymous

Terrible Doctors

We had no choice in health insurance. The doctor that we've been to for 20 years doesn't accept UHC. I went to doctors that accepted UHC and thought they were going to let me have a stroke! They were ER doctors in a box and couldn't prescribe the right meds to keep my b/p under 210/113. I had to go back to original doctor and paid cash. He corrected my meds in one visit. B/P was controlled.
1.5 overall rating
by Anonymous

No Coverage

They tell you that you have used all of your benefits when you have no limit for chiropractic. That is how they are saving company's money and company's are renewing.
2.0 overall rating
by Anonymous

Awful Customer Service

I had an interaction with UHC's "nurse line" through the University of Chicago. I had called a U of C number, but I was forwarded to United Health Care. The "service" person was testy and rude, and couldn't give me a direct line to the U of C's health care personnel.
1.3 overall rating
by Anonymous

Poor at Best

I would pay more for a better insurance company, but I am locked in as well through my employer. I have filled out loads of paperwork, received poor customer service, and gotten the run around only to be denied.
2.0 overall rating
by Anonymous

Poor Customer Service

They deny claims in error and it takes months to get them to correctly fix it. Customer service reps have very little knowledge and you can call 3 times and get 3 totally different answers.
1.8 overall rating
by Anonymous

No Prescription Coverage

Prescriptions that were $15 to $30 with a different insurance company, are listed as Tier 3 and are therefore $60 with a deductible. They arbitrarily added a $350 drug deductible. When I met it, they claimed that the deductible was now $500. Even for "covered" drugs It's often CHEAPER to use a free discount card. What the hell are we supposedly paying for?
2.0 overall rating
by Anonymous

What customer service?

The coverage for this company is next to nil for chronic migraine sufferers. They do not inform consumers about coverage options for migraine medications, nor limits on refills. There is usually a 10+ minute wait to talk to someone on the phone. Their 'automated system' is down constantly.
1.3 overall rating
by Anonymous

No Coverage

Just got United Health Care Choice HMO, and I am sorry I decided to go with this company. I may now owe $1,200 in bills. UHC will pay nothing and instead says that I owe "co-insurance," when my mammogram was supposed to be covered at 100%.
0.8 overall rating
by Jennifer

won't Tell You Costs

When I call them, they won't let me know how much any procedure will cost. I have even had my doctors office call them and they still aren't able to let me know how much things will cost. This is a big deal when you have a high deductible! Also there cost estimator is way off. I had something done that was $400 dollars more than the higher end of there estimator.
1.3 overall rating
by Anonymous

Poor Customer Service

If you can not resolve your issue with information from the website and need to speak to a person... It took me over an hour, 5 phone calls, 4 transfers, and 2 hangups before reaching a rep who was finally able to resolve my issue, I hope...
0.8 overall rating
by Frank K.

Terrible Prescription Coverage

I paid $60 for a three month supply of insulin. When I re-filled, the exact same prescription now has a co-pay of $120. It doubled. When I called customer service to see why the rate increase was applied, I was treated very rudely by the customer service agent. I was shocked to find out that on several of my prescriptions they paid between $2.50 and $4 while my co-pay was anywhere from $38 to $75.
1.5 overall rating
by Anonymous

Profits First

After 4 years of employment, my employer transferred our medical insurance plan to UnitedHealtcare. United Healthcare promptly let us know that they would not cover my son's medical injections which have cured his condition. They then told our Riley's Hospital pediatric endocrinologist -- one of the most noted doctor's in the world who also teaches at IU Medical School -- that her diagnosis wasn't good enough and that the drug is just to expensive to continue coverage. UHC's customer service gave us the run around and a lot of legalize for months and THEN said that if we disagreed with their decision we should have filed an appeal...but (conveniently) we were now past their own (arbitrarily) appeal deadline.
1.3 overall rating
by Anonymous

No Customer Service

They refuse to provide a single person to speak with about a claim issue, so you must constantly talk to different people each time and explain from the beginning the problem. They do NOT call back or contact you - you must always call their generic number to check on the progress of your complaint.
1.0 overall rating
by Anonymous

Terrible customer service

Endless phone loops to get a human being who can actually semi-answer your question. Last year UHC informed us that they would not longer cover my son's genotropin. The UHC Pharmacist did not agree with the conclusive test results, nor the Chief of Pediatric Endocrinology at the prestigious hospital in our area. They gave us exactly two weeks to respond. We went through a lengthy appeals process. They did not pay for my son's medication even though it was listed a "covered" medication on their website during this entire process. We won the final appeal. We received one delivery of the medication followed by a letter that stated that UHC would not longer cover this medication. They also nicely added this zinger "we hope this does not inconvenience you." Our second bad experience. For 3 months they declined all of our family's claims. We got a bunch of bills all at once. The UHC rep that finally tracked down why said it was because they had identified another source of health coverage for us. Nope, we do not have any other source of health insurance coverage. We got it straightened out after many hours on the phone, it was identified as a "system glitch". Had UHC sent me a letter 3 months earlier this could have been resolved with a lot less drama. These are only two examples. During our 7 years with UHC they have had no less than 10 "system glitches" that have cost us hours of stress and time.
1.8 overall rating
by Anonymous

Poor Customer Service

I've been following up on my prescription coverage for 4 months while the bills keep racking up. They rejected once because I filled out the claim form wrong (I don't see how I did) and then rejected a second time because it was a duplicate claim.
1.3 overall rating
by Anonymous

What a crap comany

I am in charge of the health insurance for about 80 employees. I switched to United Health Care based on promises of greatness and lower premiums. Although we had all of our apps and MONEY to UHC timely, they did not set up one of the companies I am in charge of, so I had over 50 people without health insurance as of our renewal date. Two days later we still had no insurance and no explanation. It took them 4 days past the date we were promised temporary id cards for them to finally get us set up. the customer service was a joke. No one could tell me what the problem was - only that someone had dropped the ball. No kidding genius. Since they finally got us up and running I get nothing but complaints that UHC won't cover my employees' prescriptions. Everyone has been scrambling trying to get on substitute meds to meet their needs. Now they have denied a retro claim made due to their failures to get us coverage timely. My employee had no way of knowing UHC didn't cover the medication he had been on for over a year. he had never had a problem with BCBS TX covering it. Now they won't pay it even though it was their fault he had to pay out of pocket in the first place. And just like everyone else says, their customer service is crap. The phone number they gave me to call for help and that is on all of my employees' id cards doesn't even work. I can not express how they have humiliated me professionally. I have my whole company mad at me now. UHC I hope you burn to the ground. You don't give a damn about human beings - just your CEO's billion dollar bonus. Screw you. I can't wait to fire you.
0.8 overall rating
by Anonymous

Your employer decides what healthcare services to cover not Unitedhealthcare!

It is unfortunate that after decades of healthcare claims being paid by health insurance companies on behalf of employers that many employees still do not understand the basics of how their healthcare coverage works. It is youre employer that decides which benefits they will cover and the healthpaln administers those benefits per the contracted BENEFITS PLAN! So if you cant get your claims paid for injections or othotics or youre blephroplasty talk to your employer, they are the ones that contracted for the healthcare services they wish to pay for.
1.3 overall rating
by Anonymous

Very Poor Coverage

I was forced into a UHC plan by my employer. Most doctors hate UHC and will not accept new patients who have UHC. They have very poor customer service. There is little or no explanation for their arbitrary decisions. They make medical determinations over-ruling your own doctor even though they obviously have never examined you.
1.8 overall rating
by Anonymous

Prescriptions Not Always Covered

United health care denies claims and passes the blame. They refuse to refill my 10 year old child's medicine which they have paid in the past.
0.8 overall rating
by Anonymous

Expensive

They have $50 copays and huge deductibles that don't pay anything.
0.8 overall rating
by Loretta

Non-existent customer service

I have tried since last year to get the mailing address changed for my employer. We continually get notices that we are either behind on payments or have paid more than 1 month in advance. We try to send our payments at least 1 week prior the due date on the 1st, always including the payment coupon indicating which payment we are making. For some reason we are only having problems with the medicareRx plans.
1.0 overall rating
by Anonymous

misrepresented benefits

Changed in mid year by employer, and they said they would honor deductibles and told his to get info from previous insurer and fax to them. Called ten times, faxed three times, and they never applied.
1.3 overall rating
by Anonymous

Poor Customer Service

Awful service. Lots of red tape. Had my claims continually denied for over a year because they insisted I had other coverage when I didn't. Mistakenly, canceled my Rx insurance for 2 weeks without warning. Even the providers don't like dealing with them.
1.5 overall rating
by Anonymous

Bills Unpaid

Unfortunately, I am unable to discontinue service with UHC as this is my company's chosen provider. I have been contacting them for over 1 year to get a claim paid with the most recent conversation being a 2 hour call today in which I was disconnected twice. Of course, you can't call in and reconnect with the individual to which you were speaking. You have to go through the entire automated call routing process. Each time that I have contacted them regarding this claim, they have assured me that the issue has been resolved and there is no need for me to do anything further and that the payment would be remitted. Well, what do you know, the health care provider has now sent me to a collection agency!!
0.8 overall rating
by Anonymous

Rate Increases

Our premiums were raised 11% this year, up to $17,000 for a family of four. Our deductible got raised to $2,500 PER PERSON. Our co-pays went from $30 to $50, with even less coverage than before, no out-of-network coverage at all, and half the medications my family takes is no longer covered.
1.3 overall rating
by Anonymous

Incorrect Charges

They try whatever they can to avoid paying claims or try to slap me with incorrectly applied coinsurance charges. When called to make fixes nothing happens until maybe the 3rd or 4th call if that. By that time the charges are sitting with a collection agency.
1.5 overall rating
by Anonymous

No Coverage

My oral and maxifollacial surgeon stopped taking United Health Care because they were paying 25 cents on the dollar, so he is now out-of-network. I had orthodontic jaw surgery in 2006 and my out-of-network max was $4,000. I exceeded that amount BEFORE surgery. They never reimbursed me, nor did they cover 100% after the $4,000. We ended up paying him over $6,000 from out of our own pocket.
1.3 overall rating
by Anonymous

Extremely Poor Service

Failure to respond to letters. ZERO customer service. No one EVER returns calls. Poor claim handling appears to be endemic to their corporate culture.
1.5 overall rating
by Anonymous

Complicated and Expensive

United Health Care has created a complex process that makes me question if they're just selling health insurance for their own sake of making a buck, and not necessarily providing a reasonable insurance to their members. Just a regular visit is a significant co-pay. .
0.8 overall rating
by Anonymous

Poor Claims Process Practices

I am a college student. Unfortunately this was my school's option as a reasonable health care plan. UHC continually claimed that they did not receive the bill from the hospital. The bill finally showed up in my United account as being received and even partially paid.
1.8 overall rating
by Ryan

surgery not covered

I started a six month process to have gastric bypass surgery with my doctor. United Heathcare pre-certified me for approval for this surgery if I meet certain criteria and went through a six month program with my doctor. After completion of the program, it came time to schedule the surgery and United Heath denied my claim stating there was an exclusion on my policy for this type of surgery even though both myself and my doctor called United to verify that this surgery was covered under my plan. After countless hours on the phone with reps, the best explanation that they could come up with was that the reps that my doctor and myself spoke with over 6 months ago were wrong and had given us misinformation about what was covered under my policy.
1.5 overall rating
by Joscelyn

No Coverage for our newborn

After they raised our insurance prices we continued to stay. Then after having our newborn son, they refused to add him to our insurance, making us find his own insurance.
1.3 overall rating
by Anonymous

Deplorable Customer Service

My husband's company switched to UHC the beginning of 2008 and we have had NOTHING but problems with them. Extremely poor customer service (can never talk to a supervisor without arguing first), even worse claim review and reimbursement. Incorrect information is repeatedly given out by their representatives.
1.5 overall rating
by Anonymous

Does not pay claims!

Over the 6 month period that my company used United Health Care, not one of the claims was paid. They were simple doctor office visits, to physician who were listed on MyUHC website as participating physicians. Got different reasons from customer service reps. Each time I called for each of the three employees that were denied benefits, I was met with these same tactics.
1.0 overall rating
by Anonymous

No refill

Nothing is covered. If it is covered, It's tier 3 = super expensive. Their customer service is unhelpful. I'm pregnant and I lost my pre-natal vitamins on train. They will not refill the prescription. That's $500+ out-of-pocket.
1.3 overall rating
by Anonymous

Unhappy And Worried

They'll may pay one month and then very next month they won't pay for the same type of visit.
1.5 overall rating
by Anonymous

Not Covered

Even though I have coverage, they still try to find reasons to not pay even when my policy covers it.
0.8 overall rating
by Anonymous

Please pick a different company

Please save yourself the trouble, they will lie, cheat or steal to make their bottom line. Please Please Please buy from another company
1.3 overall rating
by Anonymous

Horrible customer service

I have been trying for the last four days to speak with a knowledgeable rep. I have been getting transferred from one person to another and at last I am getting transferred to an automatic reply which says "there is an issue with the system and they wont be able to take my call".
0.8 overall rating
by Anonymous

Wrong Info

I wish I could change to another health insurance company. The coverage isn't that good and they are expensive. The information they have on their website (as far as providers) is WRONG and they won't fix it if you try to tell them!
1.0 overall rating
by Anonymous

Poor Customer Service

They continue to fail to provide coverage to the East end of Long Island and they discontinued coverage for the drugs that work for some cheap generic substitutes which make the patient ill!
0.8 overall rating
by Anonymous

Refused Prior Authorization

United HealthCare is arrogant enough that they refuse prior authorization requests for medication from the National Cancer Institute. Refusing the prior authorization request means they never have to issue a paper denial, which in turn means I can never file an appeal. My asking for a supervisor has been repeatedly denied - eventually they just hang up. I have been through every possible avenue trying to resolve this, and UHC continues to refuse to accept anything.
0.8 overall rating
by Anonymous

No Coverage

Their service is terrible. They are refusing to cover my claim.
0.8 overall rating
by Anonymous

Disappointed

I've been on PPO HSA. I am now on the more expensive plan and somehow don't feel like I am getting anything more. The service still sucks. Next year, I might go outside of my company (which is cheap, probably why they use UHC) and buy my own family plan independently.
0.8 overall rating
by Anonymous

Little Coverage

I recently had a pre-approved preventative screening that was supposed to be covered at 100%. I am now so tired of arguing with them that I will be paying the $225 that they are refusing to pay for.
1.0 overall rating
by Anonymous

Worthless

UHC is the provider for students at WVU. This company will not pay for any medications doctor prescribed or not. They will also not cover previously diagnosed injuries or illnesses. They still refuse to pay for injuries having to deal with every day college living such as inter mural sports, and anxiety medication. Even if your doctor whites a script for brand name drugs or their generic they will force you to change your drugs to the cheapest generic in the class even if it is not the best for your ailment.
0.8 overall rating
by Anonymous

Disorganized

Their billing system is awful and disorganized. I keep getting different bill amounts each time. They don't separate dates of services if It's an ongoing illness. I reached my maximum out-of-pocket yet their system doesn't show what that is or that I paid it. They still keep billing me even though THEY owe ME money.
0.8 overall rating
by Dave

Paid Out-of-Pocket

They seem to have the policy of losing/denying claims until the one year rule applies. They will not take claims over one year from date of service. This lead to a $900 out of pocket payment for a pre-approved dental claim.
1.0 overall rating
by A. Clinician

They Do Not Pay DOCTORS

I am a neuro-psychologist and was asked to see a UHC member for neuro-psychological testing. I filled out all of the appropriate forms required by United Healthcare and received a telephone call authorizing me to test their member. They gave me a cap on the hours (13 hours total) and an authorization number. I provided the services as promised and then sent the appropriate claim to the United Healthcare offices. When they sent me the check, there was a note on the Explanation of Benefits saying I had agreed to a discounted fee, an approximately 50% discount. When I called United Healthcare, they said that they had authorized this treatment in error and paid me in error AFTER I HAD RENDERED THE AUTHORIZED TREATMENT to their member. They then recalculated the claim form and decided that I actually owe THEM money! They have asked for the entire amount back $966.68.
1.0 overall rating
by

does not pay claims!

In the 8 months that they were my service provider, they only paid one claim. I have hundreds of dollars of unpaid claims. I am a stay at home mom and finances are tight. I have called and faxed things for months, and all I have gotten is the run around.
1.0 overall rating
by Anonymous

Poor Customer Service

They ignore provider contracts and not only do not process claims in a timely fashion, and they have customer services reps overseas with zero capability of doing anything but answering the phone and submitting claims for "reprocessing". They have little understanding of contract issues, claims problems and have no ability to handle anything. Multiple calls required to resolve any issue.
1.0 overall rating
by Jon

Stalled and then Denied

It took them 8 months and 40 hours of my time on the phone to get my Cobra benefits setup properly. I had medical expenses in month 1, so by the time they figured out my enrollment information and the claims could finally be submitted, everything was denied because it exceeded the window of submitting claims. After submitting evidence that claims were attempted within the window, they still denied the claims.
0.8 overall rating
by Anonymous

Poor coverage and customer service

My employer changed over to this company last year and I have had nothing but problems. You have to carefully review ALL of your EOB's as they are usually ALWAYS incorrect. You then have to call their customer service department which has no idea what "customer service" is.
1.0 overall rating
by Anonymous

Poor all around

Take forever to process my claims. They put all my regular office visits at specialist copay's and took them forever to fix it. Dont pay anything for RX's. Poor customer service.

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