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UnitedHealthcare

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7.1

Overall Score

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LAST UPDATED: December 6th, 2022

UnitedHealthcare offers Medicare, Medigap, Medicaid, and plans compatible with Health Savings Accounts (HSAs). UnitedHealthcare also offers excellent member resources.

Before purchasing a health insurance plan, it's important to know if UnitedHealthcare is good insurance. While different UnitedHealthcare plans have different premium rates and cost-sharing rules for medical expenses, customer reviews offer great insight into the quality of the insurance coverage and customer service.

Overall, UnitedHealthcare is a well-known health insurance carrier and worth considering.

View UnitedHealthcare Reviews

UnitedHealthcare insurance company is a health insurance provider that is owned and operated by its parent company, UnitedHealth Group. This company was founded in 1977 and, with almost four decades of experience, offers a really wide variety of health insurance plans.

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The Good

  • Customer Ratings
  • Coverage Options
  • Medicare and Medicaid
  • Short-Term Health Plans
  • Dental and Vision Insurance
  • Supplemental Insurance
  • Employer Offerings
  • Helpful Tools
  • Support for Healthy Living
  • Customer Service

Customer Ratings

UnitedHealthcare ranks in the top ten health insurance companies. This high ranking shows that UnitedHealthcare is a reliable health insurer. While it could have a higher star rating, it's star rating is average for the industry.

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Customer Review: Kimberly from Hurlock, Maryland

"United Health Care is definitely my choice for health care. All bills are quickly and competently dealt with. In addition, when I have called for more information or to check the status of a medical provider, United Health Care has always had excellent customer service. The representatives are intelligent, extremely polite and very anxious to help. Their attitudes are very positive and cheerful. They are one of the best companies in any area that I have ever had the pleasure to turn to."

UnitedHealthcare has received many positive reviews on BestCompany.com. These reviewers mention satisfaction with the claims process, provider network, and coverage.

Coverage Options

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Customer Review: CoachTrista from Englewood, Colorado

"I love the plan options I have with UHC. They are the most complete and comprehensive health care our family has ever had. They have helpful programs that can assist with finding providers and plan benefits."

Some of the plans at UnitedHealthcare are open-access, and others are in-network only plans. In-network only plans cover patient care received from professionals UnitedHealthcare has contracted with. If your preferred provider is out-of-network, you'll pay the full cost yourself.

In addition, UnitedHealthcare offers Consumer-Directed Health Plans (CDHP) options that are compatible with Health Savings Accounts (HSAs).

As is typical for the industry, you'll need to work with UnitedHealthcare to learn more about options available in your area.

When considering a health plan it's important to look at the covered services, premium rates, and out-of-pocket expenses to make sure that you find an insurance policy that meets your needs.

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Customer Review: Jordon Patton from Pflugerville, Texas

"UHC has been great for us through covering us when we had a baby and when my wife needed a new hearing device. Very widely accepted, so easy to find providers."

Common health insurance plan network structures include Health Maintenance Organization (HMO) and Preferred Provider Organization (PPO). HMO plans only offer coverage for care received by network providers. PPO plans offer more flexibility because they offer coverage for out-of-network care.

Often, in-network service has lower out-of-pocket costs than out-of-network service. You can get the most value out of your health plan by visiting in-network doctors. This will help keep your medical bills lower.

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Customer Review: Debbie Stringham from Garden City, Utah

"I'm grateful for their large director for healthcare providers. I appreciate getting a choice."

Because the cost of a health plan varies based on several factors, including the number of people insured and the kind of policy chosen, those interested in a UnitedHealthcare health policy should research plans on its website to understand more about how much you'll pay for medical services with different plans.

Medicare and Medicaid

UnitedHealthcare also offers Medicare and Medicaid plans for consumers seeking Medicare or Medicaid services. It also participates in the Children's Health Insurance Program (CHIP). UnitedHealthcare's Medicare plans include Advantage plans and prescription drug plans. Individuals seeking a Medicare supplement plan (Medigap) can also find one from UnitedHealthcare.

Original Medicare is not available through any private insurer because it is managed by the government. A Medicare Advantage plan covers the same medical services that Original Medicare does. Most Advantage plans also include qualifying prescription drug coverage, which means you don't need to buy additional coverage.

Plan offerings vary by state. Specific information regarding available plans, premiums, deductibles, and out-of-pocket expenses can be found on the UnitedHealthcare's Medicare site.

Short-Term Health Plans

UnitedHealthcare offers short-term health insurance to people under age 65. These plans are great if you need temporary health coverage. They offer low premiums and primarily cover preventive care and emergency services. They also cover care related to any new illness that you develop while the plan is in effect. Most of UnitedHealthcare's short-term plans also cover prescriptions.

Keep in mind, however, that these plans do not cover pre-existing conditions.

Dental and Vision Insurance

The dental and vision coverage at UnitedHealthcare is also good. The company has websites dedicated to both dental and vision insurance. For dental coverage, there are employer-sponsored plans, individual, and family plans.

These are great resources for individuals buying insurance and employers seeking to offer good health benefits to employees.

As far as individual and family dental plans work, preventative care is generally covered fully without a deductible or waiting period. The cost-sharing for other kinds of dental work varies by plan. Dental benefits differ for every state, but even if the dentist you want to see is out of UnitedHealthcare's network, it still has some plan options for you.

Vision insurance typically includes 100 percent coverage for an eye exam, glasses, and frames, including an option to add a scratch-resistant surface to your lenses. Other benefits depend on the individual plan.

Supplemental Insurance

In addition to health care insurance, UnitedHealthcare offers disability, critical illness, accident, and life insurance.

A few other health insurers offer similar types of supplemental insurance, so these offerings make UnitedHealthcare competitive for those interested in buying supplemental insurance plans.

Employer Offerings

UnitedHealthcare offers group plans for small businesses, large businesses, and national accounts. However many employees you have, UnitedHealthcare offers plans to meet your needs.

UnitedHealthcare's offerings vary by state, so it's best to work with UnitedHealthcare directly to learn more about your options.

Helpful Tools

Most healthcare insurance carriers offer their policyholders member resources. United Healthcare's offers competitive and helpful tools. When you enroll in a UnitedHealthcare plan, you sign up for a personal account in the online portal, myUnitedHealthcare.com.

Through it, you have access to any of the following:

  • Downloadable forms
  • Tools to help you locate a network provider (primary care doctor, mental health professional, dentist, etc.)
  • ID card resources
  • Claims management (for filing a claim and checking its status)
  • A list of the prescriptions you take
  • An explanation of the benefits of your health plan
  • A tool to estimate the costs of various types of medical care with your insurance plan before you receive treatment

Many of these features are also available through UnitedHealthcare's app.

The ability to estimate healthcare costs based on your plan and search costs by service, health condition, and doctor are advantageous. It allows you to understand costs, avoid surprises, and budget for out-of-pocket expenses like copays and coinsurance.

Through this tool, you can also view quality ratings for in-network providers. You can use this tool to find high quality and cost-effective care. This kind of tool and cost transparency is difficult to find in the healthcare industry, so its availability makes UnitedHealthcare stand out from other providers.

Members also benefit from an online glossary of medical terms, a Healthy Pregnancy app, and access to Virtual Visits (telemedicine).

Support for Healthy Living

Members also benefit from support programs that help them live healthy lives. Programs support behavioral health, disease management (e.g. heart disease and diabetes), addiction, weight loss, and fitness.

If you're eligible, you can also access UnitedHealthcare's Employee Assistance Program (EAP) to get referrals for assistance with life situations.

Many health insurers offer support programs to their members, and UnitedHealthcare's support resources make it competitive.

Customer Service

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Customer Review: Brent Bishop from Layton, Utah

"The customer service there has been very professional. The wait time has been good"

UnitedHealthcare is a subsidiary of UnitedHealth Group (UHG), which has decades of experience. Backed by this insurance company, UnitedHealthcare puts an emphasis on technology and innovation. It strongly encourages both individual and societal health.

For five years in a row, Fortune named UHG one of the World's Most Admired Companies in the insurance industry. In addition, the company won a Stevie Award in 2015 for its customer service model, called Advocate4Me. All of these facts about the company add to their overall positive customer culture.

UnitedHealthcare is dedicated to helping people. To contact UnitedHealthcare, people can use phone numbers and a tool to provide feedback to the company online.

UnitedHealthcare further demonstrates its dedication to helping its members live healthier lives and have better health outcomes with its Health4Me app. The Health4Me app contributes a lot to customer service as well.

Through its 24/7 nurse hotline, its tool to refill a prescription, and its capabilities to estimate costs and check medical records, UnitedHealthcare has removed many hassles associated with health insurance logistics. The app even allows members to let customer service know they want to be contacted-making it possible to avoid being put on hold on a phone call to customer service.

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The Bad

  • Negative Reviews
  • State-Specific Health Plans

Negative Reviews

Unfortunately, UnitedHealthcare has a substantial number of negative reviews. Having negative reviews is common for the industry. Reviewers who left poor ratings mentioned difficulty with communication, coverage, and claims denials.

As you read negative reviews, pay attention to where reviewers are from. Consider your situation and medical needs with what reviewers share about theirs.

If you're in a similar situation or in the same area, you may want to weigh concerns more as you make a decision. Even if you are in the same area, remember that UnitedHealthcare may offer multiple plans in your area, so you may still be able to find one that meets your needs.

State-Specific Health Plans

One potential disadvantage here is that some health plans and their benefits are state-specific. UnitedHealthcare's website filters its offerings by state. It's easy to see what's available in your state when you look at health insurance options online.

You should make sure that you understand the fee schedule (premiums, copays, and coinsurance), out-of-pocket limit, how the plan covers pre-existing conditions, and prior authorization requirements that are part of your plan.

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The Bottom Line

Choosing a good health insurer and finding a good insurance policy will help keep your medical expenses affordable. UnitedHealthcare is easily a recommended health insurer. UnitedHealthcare has lots of plans to choose from, which makes it easy to find affordable medical coverage. UnitedHealthcare offers health plans across the United States. Moving to a new state may require enrolling in a new health plan to ensure that the benefits apply.

UnitedHealthcare takes especially good care of its members, providing lots of resources. These include logistical forms, health education, discounts on health products, and several ways to contact a health professional for individual assistance.

The pros outweigh the cons with this health insurance company. Plus, UnitedHealthcare highly values quality and tries to bring convenience and ease to health insurance. We recommend working with UnitedHealthcare.

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Star Rating

3.1

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513 Reviews

Review Breakdown

5 grade

34%

4 grade

19%

3 grade

6%

2 grade

6%

1 grade

35%

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Louis Romero Arvada, CO

UHC is false advertising the Colorado Doctors Plan. The Colorado Doctors Plan is sold under the UnitedHealthCare umbrella. This plan only covers a fraction of the health coverage of the parent company. My previous PCP accepted UHC. The Colorado Doctors Plan is not included. Additionally, the 500+ doctors they claim are In-network are either retired or not accepting new patients even though they claim otherwise pm their website. Read the fine print and you’ll find out that Colorado Doctors Plan insurance is subpar.

3 days ago

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KenNCarrie Jackson

After many calls trying to get my card to help with food and prescriptions,I got it the very last month of the year.So I get to use it once.Just like United I used them once never again!!

1 week ago

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Tonja Christopher Philadelphia, PA

The customer service representatives are horrible and not well trained plus communication is very bad as most if not all are from a foreign country so English is not their first language. Every issue takes close to 1 month to rectify I really regret getting this insurance and it's only been 2 months.

1 week ago

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Barry Spotts Austin, TX

We had UnitedHealthcare Medicaid Dental insurance.. The choice of dentists in the area are extremely limited, and they would change your main dentist to benefit them, so you would need to be on top of them. . We found them to be extremely limited in providers and the ones they provided were not fixing all the problems. For instance we had a child with 4 cavities, and they would fix 2 and say come back in 6 months...

1 month ago

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Mario Martin Montgomery, TX

Unfortunately, I unexpectedly needed surgery 3 months into my insurance policy coverage. I was filled with anxiety and stress because of the surgery, and wasn't quite familiar with my insurance policy. In the past I had experienced some inconsistency with other insurance coverage, and expected more of the same. After the surgery procedure was explained, I was overwhelmed with from stress about whether my insurance would cover the expenses. Once I arrived at the hospital, I was assured by the staff that not only would my surgery be conducted by a experienced surgeon, but my medical cost would be covered by United healthcare. I was visited by a representative of UnitedHealthcare representative, and my policy was explained to me with patience, empathy, and caring professionalism. I had never had to be concerned about my UnitedHealthcare policy again!

8 months ago

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Melissa Nesterenko Jakarta, JK

I found UHC to be extremely difficult to work with. In fact, the worst insurance companies we have EVER dealt with. There is no clear explanation of coverage when a UHC representative is asked. On SEVERAL occasions, I was told one thing (with regards to coverage), then when the claim was made, it's now suddenly different. We are also passed from department to department and have difficulty getting a straight answer - at that. We are Expat Insurance members, and several times I've received a reply back from UHC saying: "Please MAIL (?!!) your claim to this American address". Do you know how long it would take to mail something to a PO BOX from overseas?? This is constantly a problem. Local departments dealing with International claims. Also, sensitive documents seem to become "lost" over at UHC. For example, I submit a claim with all the supporting documents, and then I have a request to RE-submit these documents again. Where are these personal SENSITIVE documents going? Are they being intercepted by a third party? Overall, I would NEVER recommend UHC to anyone as there are serious disorganization problems within UHC and sensitive documentation is being lost.

2 months ago

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PISSEDOFFCONSUMER Fort Collins, CO

We have had UHC for several yrs through our employer. They are the worst health insurance companies we’ve ever experienced!! The list untrained unprofessional and rude reps ever. Long hold times - MANY times I am finally disconnected or they just never answer ! They will not know what they are doing and if they say they are transferring you just hang up. They show no apology for being hung up on or hold times in excess of 25 min. They simply don’t care and NOONE at the top cares or they would appropriately train their service reps. Also every rep will tell you a different thing- so document date and what they said and employee #. Go do a search on the unethical fraudulent background of the leaders of this company. UHC tops the list for consumer complaints. I am in the midst of fighting them on a common sense claim they are sending me through circles on. And no one seems to k on why it isn’t being covered and the phone call drops after them trying to find a supervisor to help me. I asked them to have a supervisor call me directly due to the HOURS I’ve spent on this and they claim that’s against their policy. They are designed and taught to play dumb, deny claims or pretend they never received them or that their system isn’t working correctly. We are dropping them at open enrollment and have reported back to HR how abysmal their service is. They should be shut down !!

2 months ago

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Tanya Falls Mouser

I just signed up through Mr Benjamin P to united health he was awesome and the plan he foun for me was perfect.i look forward to using united health so far they have got to be an amazing company.and I've had many referrals to them that says alot thank you Benjamin and thank you united healthh

3 months ago

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Brittany123

Worst customer service I've ever received in my life. They canceled my insurance because a payment didn't go through. Notified me only by mail, which I never received. I had to provide multiple payment methods which I have never had any issues with. They make you wait 6 months before seeing a doctor and told me I would have to reapply for insurance and restart the waiting period.

2 months ago

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jamee emens Scottsdale, AZ

I have been with UHC for about 18 years. We have great coverage! Their website is easy to navigate, and claims are easy to submit. They offer a generous mental health program which is incredible.

4 months ago

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jram79

Becareful they will lie to you.. I had humana getting $75 for healthy benefits united called me said I would get $100 to switch to them so I switched now only gives me $40 a month. When I call them tell them what happened they say o well sorry. It says $40 nothing they can do

2 months ago

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Michele Foran Redwood City, CA

I would give this company 0 stars if possible. When they make mistakes I get an apology call but they will not put the apology in writing and snail mail or email me the fact that they are very sorry for all the mistakes they made. I wanted an email or letter so that I would have written documentation regarding all the wasted time my dentist and I experienced, but the apology was a phone call. Probably from someone in another country who works for $1 per hour. Their mistakes caused over 10 hours of wasted time.

3 months ago

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Sammy Clement

I will be switching away from UHC as soon as I possibly can. It takes about 25% of my paycheck on top of me not saving all that much money on visits. My therapy out of pocket is $75 and I pay $50 with UHC. I just found out that my therapist is fighting with UHC to get their portion. This year, on top of them raising prices on the plan, they are now covering LESS than last year. I recently discovered that I have Sleep Apnea due to a deviated septum, and need surgery to fix it. I started the process two months ago, and UHC approved it. My surgery was supposed to be on Tuesday. They didn't let my provider know until the Friday before my surgery that I will owe over $5,000 BEFORE my surgery. Mind you, I've paid for 2 doctors visits at $50 each, and bloodwork / lab work for this surgery which I didn't get a bill for yet. They were notified and approved the surgery 2 months in advanced. They gave me 2 business days to pull together over $5,000. That's my entire $2,500 deductible on top of over $2,500 in coinsurance. When I called UHC, I was basically told to suck it up. They won't do anything to help. I now have to cancel my surgery less than 24 hours in advanced on Monday. The surgery out of pocket is not much more than UHC is covering. At least if I was out of pocket, I would have had some warning as to how much I was paying, and would be able to plan accordingly. I wish I heard about all of this nasty stuff about UHC before I signed up through my employer

4 months ago

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John Hudson San Antonio, TX

I pay very high premiums for the best care United has to offer and it is horrible!! My doctor told me I need a heart catheterization performed and set up appointments at the Methodist Hospital. The night before the doctor's office called and stated the insurance would not cover. The insurance made me have a CT coronary angiogram first, which costs me $500 out of pocket and the insurance company much more. The CT recommended a catheterization, so the doctor's office sent an emergency request to have prior approval. This was denied as well and still waiting on approval. The disclaimer on the United web page states "This is a benefit determination, not a medical decision. Only you and your doctor can decide what medical care you need." It is sad when the insurance is acting as the doctor! In addition, my wife is having a tumor removed from her brain next week and was asking that I was healthy enough prior, no thanks to United. Fact is, heart disease remains the top killer of both men and women and I pay a lot of money every month for no protection. I almost whish I would have a heart attack so I could sue the hell out of United. I suggest to everyone to stay away from United Healthcare Services and Rally Healthcare, Inc.

5 months ago

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Christopher Lee Berkeley, CA

I have UnitedHealthcare's select managed care plan through my employer and I've honestly found it below . Their coverage is great - almost no out of pocket cost - but the providers they do have in network are subpar. They also do not have an updated list of providers in their network which makes finding one very difficult. When I called to see if they had a more updated list, the customer service rep said they would email me a list of providers for my area and never did. It's interactions with companies like these that drive me a little crazy.

6 months ago

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Vanessa Butler Columbia, MO

I would recommend this insurance to anyone receiving government assisted income. No copays rewards that send you gift cards for taking care of yourself. Benefits, more than you could imagine. And I got my dentures and UHC paid for everything!!

9 months ago

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Kimberly Hurlock, MD

United Health Care is definitely my choice for health care. All bills are quickly and competently dealt with. In addition, when I have called for more information or to check the status of a medical provider, United Health Care has always had excellent customer service. The representatives are intelligent, extremely polite and very anxious to help. Their attitudes are very positive and cheerful. They are one of the best companies in any area that I have ever had the pleasure to turn to.

2 years ago

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Eddie Rios Ogden, UT

United Healthcare is impressive. They just care and treat all of their customers as they would themselves. I experienced first rate customer service through minor issues that were not their fault. Yet they took ownership and just made things better. You can't ask for better from the healthcare industry. They are an example of what can work well.

2 years ago

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Rob

All my statements are my personal opinion, based upon my personal experiences with United Health Care. Pre-approval takes too long. They should streamline their processes to make more rapid decisions. Also, their email system is cumbersome, difficult to navigate, and out of date in my opinion. Recently, according to the pain management physician with whom I was consulting at the time, they had arbitrarily decided to no longer approve a procedure merely by labeling it "experimental", despite MANY YEARS of approving it. That action denied me and many other patients an extremely effective treatment for severe pain, and which lasted 3 to 4 times longer than another less effective procedure. They gave no explanation as declaring it "experimental" doesn't require one. At the same time, they denied paying for a pain medication, Tramadol, which isn't actually an opioid, but due to the current opioid crisis still is deemed one. The combination of their two concurrent actions left me with having to live with severe pain while awaiting an ostensibly less expensive pain management procedure without any pain medicine. Now I will need to have 3 to 4 procedures a year instead of 1, and while I await an extended decision period the company operates within, I'll have truly effective manner to ease the severe pain I experience when the less effective procedure affects wear off. I leave to any reader to decide whether they believe this company is acting in the best interests of their subscribers or not.

4 years ago

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Jerry Dalferro

I have the most Respect for United health care, they have exceeded my expectations in all my contacts with them. When they don't know the right answer they will go to great lengths to call my PCP. or someone in the internal to their co. Until I am satisfied. I have been dealing with two of My Parents (Higher Rated) Companies and they don't convince me that they Care one way or the other about them.

6 years ago

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Carnan Fort Collins, CO

My husband's company used United Health Care as their insurance for many years and we were overall very happy with them. My favorite service was a program they developed called, REal Appeal. It was a total weight loss program complete with behavior, nutrition and exercise. It was such a great program and I felt grateful to be able to be enrolled in this program for free.

10 months ago

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Sirdriz77 Fairfield, CT

I had United health care through my former employer and it was great. I had coverage when I delivered my first child and everything went smoothly with all of the hospital charges. There were no surprises and it was easy to add her to the policy. This was probably the best health insurance I had with the least amount of hassles and I wouldn’t hesitate to go back if I had another opportunity.

11 months ago

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MLC Kissimmee, FL

United health care the short-term disability, very hard to explain how horrible this is. they make your doctor send medical records multiple times, they will not process the information and claim they do not have the records, the only objective is not to pay or delay payment. if you call, you will get the runaround, and an uninformed person will call you back and make up any senseless excuse for not processing your claim. government should get involved in this type of corporate behavior

4 months ago

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R. Wetzel Kansas City, MO

They hound you about sending their own nurse over to see you. They give you $150 to spend on groceries. My gripe? The same inadequate doctors I saw before this company are the only ones they cover. Can't get food from Walmart because those twits consistently do not have items as advertised. This is a money mining operation. They are not interested in care for the elderly, otherwise why give me grocery dollars impossible to redeem because their vendors don't have what they claim. I no longer see doctors. I no longer eat. These folks are charlatans.

5 months ago

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Bear St. Marys, GA

united health needs to fix there phone system its the worst try to get to ga united health dept and you have to go threw people who you can hardly understand and can't find your info asking you all kinds of ? try to get to your department and sounds like a scam to you then they say they will connect you and cuts you off unbelievable btw when i get to the right person they tell me i'm not the only one that's complaining on them well at lease i'm not alone

5 months ago

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S Jackson Hollywood, FL

Zero stars if I could. Was scheduled for a procedure and was called the night before to say they would not cover the in-hospital charges. The customer service reps barely speak English and sound like they are from Guatamala. No one can reach a supervisor and the reps claim that there are none. Each service rep will give you a different answer including, "you should read the manual that comes every year." Uggghh,, useless.

5 months ago

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Zach Warrell South Jordan, UT

I cannot get them to give me basic information about my account. My coverage is ending at the end of the month and I need proof of this for my new provider. The company says they cannot provide me with a document of this until after my coverage has already lapsed. I am currently injured and have been waiting for an appointment to see a doctor for 3 weeks and the first appointment is on June 1st. I will likely have to push my appointment back further so I can get this document and get enrolled elsewhere. Take your health seriously and do not work with these clowns. To provide a simple document should not take this much effort and to make an exception to help someone who needs medical attention should be the top priority of an insurance provider.

6 months ago

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Brian Jungk Austin, TX

United HealthCare will delay patient healthcare to look for reasons not to pay out on claims/care. 2 Examples. 1. I saw a surgeon who ordered an MRI for my wrist, UHC wanted to delay/wait while the care needed to happen so I paid cash and submitted the claim manually after the fact. Denied. After 8 phone calls, a reconsideration request from the doctor who initially ordered the MRI they finally paid. 2. A neck surgeon ordered an MRI after an initial visit and UHC will delayed until the surgeon can get on the phone with the insurance and explain why its medically necessary. Imagine a surgeon, after 12 years of school having to explain to a health insurance agent why the imaging is necessary. This can sometimes delay care by days/weeks, in situations that care is urgent (it happened to me). Still actually waiting for this to be approved. I used to have a different health care insurer. I paid for an MRI out of pocket with no doctor orders. My old insurance found out somehow (I never even submitted a claim) and reimbursed me. Run from UHC, they only care about fighting claims and collecting money.

7 months ago

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Bellissima Saint Paul, MN

RUN and NEVER look back. this is by far the worst healthcare provider I have ever experienced. They are horrific, they make you jump through hoops for everything, everyone does not accept them because they are lame and cheap. Ex: My daughter's menstruation was horrible, literally as heavy as an ocean followed by nausea, vomiting, and intense back pain. One of the things her doctor prescribed was birth controls pills where she would skip the placebo and take the pills continuous so that eventually her cycle would lighten or go away. United Health Prior Authorization Department denied her because as they wrote " It is not medically necessary" WTF!!! Yeah, If that doesn't speak for their character... I'm not sure what to tell you!

7 months ago

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Denise Zwahlen Hutchinson, KS

I take care of patients on skilled nursing. Thank his plan systematically cuts patients off too soon and does not have a mechanism for physicians to advocate for their patient once the party appeals the denial. It is an endless loop of transfers and not knowing what to do. It’s ok as long as you stay out of the hospital or skilled nursing. I recommend against it as people become more frail.

7 months ago

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Adrienne Hanagan Denver, CO

They seem to be denying a lot of claims lately. I am a cancer survivor and one of the side effects of chemotherapy has been a loss of balance. I slipped on the ice on my driveway and I fell on the sidewalk because I lost my balance. Optum said they would not pay for the claim for PT because it might be related to workman's comp or something like that. Then they would not pay for Botox injections for overactive bladder. That is the best thing for me because it does not interact with my cancer medications. Lastly they would not pay for the diagnostic mammograms that are recommended because I am at high risk for re-occurrence. What is the point of having UHC? The PT is relatively inexpensive, the Botox injections are about 1500 dollars for every 6 months and the diagnostic mammogram is about 600 dollars. I hate this company. I hate United Health Care. As soon as we can get off UHC we will.

7 months ago

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reg Bayonne, NJ

Adding rudeness to incompetence makes for a new low in UHC customer care. I, and other relatives, will likely not renew with UHC next year as a consequence. Briefly, I was told by my provider of a $345 estimated copay for a test procedure. I called UHC customer service to understand how that number was arrived at (and whether I should change anything such as facility ..) The first “advocate” I got was totally unhelpful, left me on hold for 8 minutes with no communication and when returning with no useful information abruptly put me on “music on hold” as I was mid-sentence. That level of rudeness is simply unacceptable. I called again and requested to speak with a supervisor. The much more polite person contacted a supervisor and asked me to wait while in parallel trying to sort out my very simple request. 30 minutes later, she was still unable to provide useful information and no supervisor was still available. I asked for a supervisor call back. 24hrs later I am still waiting Good customer service is more than relabelling agents as “advocates”. It is Not leaving customers on hold for several minutes with no feedback Not hanging up on a customer by rudely putting them on hold Having agents (advocates they are not) be able to answer simple questions regarding the breakdown of a copay Having supervisors available when a customer requests speaking with them Having supervisors call back when requested to do so I realize UHC treat customer care as a cost center whose cost is to be optimized ... but I suggest they look at top line cost of poor customer service as customers choose other healthcare providers

8 months ago

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bweabled Charlotte, NC

A simple visit will cost you a fortune under almost any of their short term plans. They sell it to you as a great option but they pay NOTHING until the deductible. They misled me about the plan to get me to buy it, signed up for a decent plan as they constantly tried to up-sell me, and then have a single simple medical expense that is going to cost me $1000 minimum. And not even all of it goes to the deductible because of how they manipulate the numbers--and they only cover up until $2,000,000 on their very best programs so you're screwed if you have something chronic or have a real colossal catastrophe. Horrifically bad medical insurance and deceptive sales tactics, I regret doing this so much. It's basically only emergency catastrophe medical service, in which you're better off doing another health plan or trying one of the new things like sidecar. And if you ever had a problem, their customer service is downright incompetent. DO NOT GET UNITED SHORT TERM.

8 months ago

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Jim Andreae Scottsdale, AZ

This is one of the worst Health Care Plans I have ever been in and wish I could get out. The price is high and the coverage is terrible. I get a supplemental bill for everything after the fact. Trying to get a hold of someone on the phone is IMPOSSIBLE and take usually an hour of being on hold and they usually only cover about 60% of the bill and send you an invoice after the fact. Don't even think about getting any outpatient surgery - it will cost you twice as much out of pocket as what you are quoted. They have dropped testing labs without telling customers and you then get a bill for the entire amount. Valley Schools from United Health Care is just about the worst

9 months ago

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borzol Brooklyn, NY

I wanted to send a question to UHC however it does not work this way at UHC. I posted my question ‘Does UHC cover a Cologuard test?’ at Facebook UHC, the response was that they will discuss the question with me on phone. After I replied ‘What’s the problem to answer my question online?’ no response. Is it a top secret issue closed to UHC members?

10 months ago

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Rik Fremont, CA

Just got off the phone with a gentleman named Paul... I have never been treated with more respect or had someone go through the incredible effort that Paul provided me with, thank you for your help and extraordinary kindness...

2 years ago

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Scott

I had lung cancer and they truly took care of me from the beginning of my journey to the end. They continually followed up with me and made sure I understood what was to come next. At times it took a while to get an appointment but communicated along the way.

2 years ago

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janice

They call many times to determine if there is anything they can help you with. They have become more knowledge able as to what seniors need and want. The now offer medical response items free. The offer many services either free or for a minimum feel. The call and tell me about services that I might not know about.

2 years ago

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Barbara Luke Chicago, IL

I chose UHC after moving to IL because of it's link with Advocate Healthcare which I used while in WI. If I should choose to, I could still see my WI doctors as well as IL docs. I don't like that there is an additional monthly premium for the Advantage Plan I have. There are other plans out there with better benefits at a lower cost. But I did not want to change after only one year with them.

11 months ago

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Bx Chick Yonkers, NY

I have had United Healthcare through the years and have had awesome coverage and great customer service. They have provided coverage for medications that some of the other companies would not. I recommend them to those who have diabetes or high blood pressure because their prices affordable.

11 months ago

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NewPatient North Brunswick, NJ

UnitedHealthcare Insurance pays shockingly less to PCP considering the time they spent. Though PCP doctors provide good care they will be reluctant to provide free phone service.

3 months ago

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Raquel San Jose, CA

I have UnitedHeathcare and have had it for about 6 years. We have had some major medical events and UH has been very helpful and understanding when it comes to the occasional dubious claim. We almost always hit our out of pocket max and then things get a little easier, pay wise. The claims are easy to understand and if I dont understand, I can call UH and talk to a person. I take a star off because I have called and talked to someone to help me understand why a claim was denied and they gave me wrong information, repeatedly. I called back and talked to someone else and they gave me the right information. When I called back again at a later date, I talked to the first person and again they gave me the wrong information about the same claim. I fought this claim for about 3 months and was ultimately paid back every cent, but I could have done without the runaround.

2 years ago

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Cynthia Putnam, CT

I like United Health Care because it fits us better than any other health insurance. They are cheaper than the other health insurance but that doesn't mean they are bad. They have actually been very good to my family. The rates for prescription and health insurance is better than what I was paying for with other companies. They have co-pays that are very compatible to other companies.

2 years ago

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Dustin Marx Brighton, CO

We have had United Healthcare insurance through our employer for many years. We had a PPO plan for many years and have had a high deductible plan in recent years. One of the biggest advantages of United Healthcare has been its large network of providers that accept it as insurance. The myUHC.com website makes it fairly straightforward to see one's insurance claims and to look up in-network providers.

3 years ago

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kristin Gneiting Pleasant Grove, UT

I have UnitedHealthcare and it has worked great for me and my family. There is a high deductable, but this supplemented through work and my HSA. They do all of the needed checkups and preventative care that I need. When I do need care, there is an extensive list of doctors available and they are easy to work with if I need to go to a specialist. The claims are easy to process, and I can track things online, even the results of my exams and visits.

3 years ago

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Mary West Jordan, UT

United Healthcare has been a great insurance. I've always had great experiences with their phone representatives whenever I call with a question. I've never had trouble finding a doctor that I want to see on their list of providers. We didn't necessarily choose them for our health plan because it came from my husband's work, but I don't have any complaints!

4 years ago

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Kim Millett Lindon, UT

My husband is a computer programmer for a large company and United Healthcare is our provider. We have found them very reasonable. We have six children and have had a variety of medical issues. We have found that they have paid all the claims promptly. They have always been great when we have called in with questions. Our Doctors have always accepted this insurance.

4 years ago

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Lingqi Luo Brooklyn, NY

This is the insurance company that you should definitely stay away. There is honest issue from the customer service. They told me my pending calm issue is clear and solved when it was not at all . I had to call back again and return to the point zero of the endless loop, same questions each time, but different agents without any progress. All they will do is to put you as emergency and do nothing.

6 months ago

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Iraj Roshan Dallas, TX

United which also owns OptumRx has a near monopoly on commercial insurance. It practically rations the dosage of medication and the number of physical therapy sessions that I can get (under the pretext of needing prior authorization). As a retired physician ( now on my wife’s plan) I can say that United treats physicians and patients far worse than Blue Cross Blue Shield does.

6 months ago

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Michael Nelson Minneapolis, MN

UHC is by far the worst customer experience I have ever had with ANY company. period. And it was at the expense of my wife's mental health. Incorrect information given multiple times, un-ethical practices with changing coverage mid-year, hours on the phone, and appeals unanswered after weeks of being submitted The only way i can understand that they are still in business is that they offer low prices because they absolutely do not care about customers and with health insurance laws we are helpless to make any changes outside of open enrollment. I am filing a formal ethics complaint with the my state.

8 months ago