United Health Care
Nothing is CoveredOct 11 2012
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.