Name: UnitedHealthcare
Rating: 2.3

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Jenn D South Jordan, UT

The coverage has been good. The claims process has been a nightmare. I tried to pay through their portal and the provider never gets it, I get double billed, I get my portion paid from HSA listed as insurance portion, I can't get a statement easily (kicks me off HSA site), and list of claims is a mess. I had Cigna before with almost same coverage, and paid bills as I got them. Easy peasy. UHC is an administrative nightmare.

5 years ago

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Jes Slow San Francisco, CA

Weaker than expected in technology, but very wide network and approved expensive biologic drug without a fuss (in California). I have inflammatory bowel disease (Crohn's) so I use healthcare a lot more than most, and they haven't fought me yet. My plan is Select Plus.

5 years ago

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Floyd Wilder La Verne, CA

They have been very helpful in most areas. One area that I have experienced frustration is requiring a referral for Everything, cause if you need immediate action from your prim. Care and you can't get in touch with him, serious consequences can resulta

5 years ago

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Carolyn Redfearn

They have always been there for me.. They have never questioned my bills, and have extra perks for me. I have beenwith United Health Care for years, and and so thankful to have an insurance company like them.

5 years ago

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in the middle

I love, love this insurance coverage. Their customer service is excellent, their nurse hotline is something every company should have. The only thing they could do better is pay me for participating.

5 years ago

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Linda Jensen Newberg, OR

United Healthcare is okay, better than some but not better than others. It seems every time the policy is renewed it costs us more for less. This last time policy was renewed they have inputted our co-pay wrong. It has been 4 weeks and they still don't have it fixed. They know it's wrong, confirm that it's wrong - but haven't fixed it. You would think it would be an easy fix.

6 years ago

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Terra Eagle Mountain, UT

United Healthcare is by far the BEST insurance we have been on. My husband's work is changing to another company and I have done nothing but cry about it. I would love nothing more than to stay with them until I die!

6 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.

2 years 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.

2 years ago

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Chris Milke Olney, MD

United has been our provider for years. Online access to claim history is great. Suggest updating amount due as it often doesn't reflect payments made by the patient (that were made directly to the physician's office or lab).

3 years ago

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Bessie B Gilbert, AZ

We had this insurance company before retirement and I really liked them. This was over 20 years ago so i don't know how the services has changed but when we had them, they had wonderful coverage. With our plan we were free to see specialists without approval of a primary care physician. They covered a lot of services and medications. Great customer service.

3 years ago

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Mason Allen Provo, UT

Best coverage I have had. They are contracted with great providers and make it easier to get the help I need. The customer service is trash and I have a few problems where I just keep getting transferred from person to person and never get help. One time they refused to put an emergency room visit in network because the hospital was contracted but the emergency room doctor on shift was not. If I am on my death bed, I should not have to ask if the only doctor available is in my network, especially since everything else in the hospital is contracted.

3 years ago

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Melanie J Presley Seattle, WA

Having a nurse come to check on me 1 a month or every 3 months is great. Now my 80 year old father has United also and he loves them too. Answers to all our healthcare needs is fast and discreet and they help my dad with all of his healthcare needs.

3 years ago

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Cassandra Slatton Tuscaloosa, AL

UnitedHealthcare is my current insurance provider for myself and my children. I’ve had nothing but good experiences with this company. My benefits are affordable and any time I need something explained to me, customer service is always willing to help.

3 years ago

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Pika Linderman Las Vegas, NV

It's easy to find good physicians in network with United Healthcare, both for primary care and specialists. Despite multiple options through my job I choose United Healthcare every year because of the quality of the physicians in their network.

3 years ago

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Natalie Drewery ,

We've had UnitedHealthcare insurance for a long time now and have been really happy with the coverage and customer service. We unfortunately had a terrible experience with a hospital and the customer service rep was so patient and helpful with working to get things figured out.

3 years ago

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Dorothy Omaha, NE

I have been a UnitedHealthcare customer for 2 years and highly recommend this reputable company. I was enrolled in their student health insurance plan and the plan's details were easy to understand, the plan was accepted at all of my providers, and customer service was always helpful!

3 years ago

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Dali Dallas, TX

I was with UH a long time ago, and I never had any trouble finding providers that would take it. I was paying out of pocket for my own insurance, but also worked for companies that chose to use UH for their group plans. It’s a solid company.

3 years ago

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Jennifer Wilson Pleasant Grove, UT

We have been very happy with our health insurance. We have been well taken care of. Thank goodness we have not had major health issues. We take advantage of regular check ups and immunizations. We have had some visits to the ER.

4 years ago

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Kimsreview Atlanta, GA

I have had Unitedhealthcare for over 10 years. I am very happy with the plan and the customer service. They don’t deny everything and don’t have too many things that need prior authorization so it is much more about making sure the member gets the healthcare they need.

4 years ago

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Syl North Port, FL

Member of United Health Care from 2003. United Health Care has very good insurance. I can pick my own doctors and that’s a good thing for me. I find it easy to get my medications at many pharmacies. United Health Care is being more accepted in Urgent Care places and most Hospitals.

4 years ago Edited September 14, 2021

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Anne Tallahassee, FL

I love my insurance, especially with Obama Care. Very affordable for a college student. My primary doctor, specialist, and prescriptions are very inexpensive. I do not need a referral to see a specialist. And almost every doctor that I like/want accept my insurance. The customer service people are also very nice and helpful.

4 years ago

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Aunt Cathy Bay Saint Louis, MS

we've had them years ago and have them again now. They seem to be fairly decent about paying on our few and far between bills. I usually only have bills for $300 - $500 to be paid by them for a year. Hubs probably the same. This year will probably be different .. our ages, we want to kinda check how our bodies are holding up. .Oh and I love the help we get with them paying some of our gym bill.. Now that is AWESOME

4 years ago

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Claudia Soto Park City, UT

I have been a UnitedHealthcare client for a while now and they have great coverage and great providers. I wish I would have switched over sooner. I recommend for any family who wants to have a wide array of services to sign up for United!

4 years ago

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Reese Pleasant Grove, UT

United Healthcare is what I have right now. I like that they try and do preventative care and take care of that for me. It is easy to find an in network doctor and I also like the online access to the results. easy to use my HSA with it as well.

4 years ago

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Rochelle Thompson South Jordan, UT

We have had united healthcare. I have had an excellent experience with their customer service. They are prompt with my requests for lists of providers. Payment of claims has been excellent. We have been able to get the doctors that we have needed.

5 years ago

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Rischelle Mikkelson American Fork, UT

United is one of the better payers. If you have a denied claim, their appeal process is fairly easy to navigate. They also have one of the better out-of-network plans so you still get some coverage even if you are out of network. The one down side is that it is not all my doctors are accepted as part of their network so I have to pay out-of-network rates when I see them.

5 years ago

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Lydia Arnold Alpine, UT

We have never had a bad experience with United Healthcare. Our claims are taken care of as they should be and we think our coverage is very fair and adequate. When I've had to call customer service for billing inquiries, they've been very helpful.

5 years ago

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Angela Nelson Pleasant Grove, UT

We have had UnitedHealthcare for 2 years. For the most part, the coverage is pretty good. The premiums are very expensive, and there are certain coverage areas that need improvement (like chiropractic care) but they are not any worse than other insurance companies. I know from friends and family who work there that they make money hand over fist and spend it on boondoggles for their employees, so I believe that is another part of healthcare reform that should be addressed.

5 years ago

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Kimberly Maddock Pleasant Grove, UT

We have had United health care for over 5 years and they have been great. Their customer support is great with our claims or to answer any questions. They also have been easy for our providers to contact and get any information that they need.

5 years ago

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William South Jordan, UT

United Healthcare was the best insurance I have ever had. They covered everything I needed them to with no questions asked. They are accepted everywhere and their customer service is exceptional. I would recommend this company to anyone looking for insurance.

5 years ago

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Lesa Burgess Pleasant Grove, UT

I love UnitedHealthcare. We had to see a doctor in a different state and because of my great insurance with them, I was able to see the doctor and have a procedure done all in network. It was such a relief that I was covered. I also love my prescription insurance with them. Saves me a lot of money.

5 years ago

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Kerilyn Englis West Jordan, UT

We've had United Healthcare for about the last five years, and they've been pretty easy to work with overall. The only issue we've run into was when we had dual coverage at one point, and I had to spent a lot of time on the phone trying to get everything sorted out. But other than that, we've had no problems! I also love that United Healthcare is accepted at most medical facilities. I do, however, wish their website was a little more up to date regarding doctor and facility information.

5 years ago

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Calista Huber Mesa, AZ

We had our first child under UnitedHealthcare and had a great experience! Luckily our job paid most of the monthly premium. The deductible was fairly high but our out of pocket max wasn't bad and the hospital worked well with this insurance. We were able to pay up front at the hospital and weren't bombarded with extra bills after the baby was born. I also had great prescription benefits and copays! The customer service was pretty good and they were always very patient as I asked a million questions before any procedure or doctor visit.

5 years ago

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Scott Olson Fort Lauderdale, FL

When I poop, the toilet is filled with blood. A colonoscopy (which was covered by United Healthcare) revealed polys which need to be removed. United Healthcare is denying coverage of the surgery to remove the polys.

5 months ago

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Amanda George IL

I have united healthcare through the state I live in. The coverage is good IF you can find a provider that takes it. They also will let doctors bill you when they aren't supposed to.

9 months ago

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Michele Dezuzio St Louis, MO

I really enjoy contacting my Healthcare company. They go above and beyond to help me find the care I need. I recommend them for insurance needs.

11 months ago

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cinjef Ann Arbor, MI

I have found that their website is convoluted, and the names of hospital systems are not up to date on the website, so if a health system has changed names it may not be up to date and it is hard to find out if a proceedure or test is covered at a specific facility. It will say a system is in netowrk but then the lab at the office may not be in network because it may be owned by a different company but is still within the same building. The website is not intuitive and therefore is not user friendly. It's never a simple trustworthy answer to any question from anyone. There is no peace of mind with this company. I have been told that proceedures are covered at a facility only to find out later that they need to be done through a Designated Diagnostic Provider Program which is nearly 20 miles away. This is unacceptable because I live in a town with 2 major hospitals and many facilities. If I get a CT scan locally, not at the designated provider in their program it would cost $500 as a deductible. Finding out who is in network is frustrating because their website is so piecemeal and unclear and calling the number on the card is just as hit or miss because the patient assistants who are all very sweet and kind but they are just following prompts on a screen. Some tests are ok to have at a facility in the hospital others need to be done at a free standing clinic. There is no clear predictable information on what is allowed and what is not too many caveats. I have spent hours on the phone only to be given the wrong information. I will not choose them again.

1 year ago

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gbrygent Uniontown, KS

Would give a ZERO to United Healthcare. Have had them for 2 years and their customer service reps are in India and are not only un-trained but considerably low IQ or COMMON SENSE. Over and over problems with claims being paid correctly and when you finally get a live person they are totally UNPROFESSIONAL. You have to be willing to tolerater their stupidity for 50 minutes before they "get it". I was told today that my prescription was not covered because my plan was terminated..OMG I changed to Blue Cross whose reps are in the US and that isnt effective until January 1st!!! He even told me if I wanted this prescription covered I would have to stay with United Healthcare. I asked for a supervisor and he sent me to an A**hole sales rep who scolded me for being upset..When I told him I was recording the call he quickly cut me off and sent me back to the Customer Service call que....Wow oh wow, I am so adamant about people being ripped off because of these idiots..especially older people who just cant or wont argue with them and give up. Save yourself lots of grief and stay away from this low life company!

1 year ago

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Juan Esteban Cuartas Chinkowsky Tampa, FL

You should not select this company. They doesn't back up their customers when the "professionals" on its network do something unethical. They seems to have no filters for the doctors that join its network. I had two really bad experiences and UnitedHealthCare didn't do nothing to help me up. I asked for an appointment with a dermatologist but I was attended by a Nurse Practiotioner SUSANA M in Pembroke Pines (but I paid the rate for an specialist). She just wanted to prescribe a really expensive medicine, UnitedHealthCare didn't approve it and she even let me know about it, she ONLY had interest in pacients that she can prescribe the expensive ones so I disappeared from the map to her. She even was able to find another solution for me or even to notify me. My second bad experience was with the Cardiologist Michael E who lied about the cost of a procedure just to avoid that I refuse it but I received an unexpected invoice as Christmas Gift... UnitedHealthCare? UNITES DOESN'T CARE.

1 year ago

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Owasa Osda Tampa, FL

My kids have been members for 2 years but have never seen a doctor or received any medical care. I've called and emailed several times to get my kids put on my member portal so I can choose their doctors and print out their cards but it's never been done. Sometimes they tell me they'll get them added no problem and just don't other times I'm told I have to call DCF to have them added but DCF tells me they have nothing to do with the United health care cards or website. So I've been getting the run around since joining they're receiving funding for having my family as members but saving money by not allowing us to access or use our insurance. They are out right scamming tax payers the government and worst of all the poor people they're supposed to help. Doctors openly talk about how much of a scam it is on them and patients. I'm paying around $500 out of pocket every month for my medicine because they do cover it but there's so many loopholes to jump through it's impossible to get them to do it. I'm disabled my total income is only $841 a month and I have 2 kids to support I have 0 copays and cost everything is supposed to be covered but they find ways to make patients either deal with severe pain and medical issues or have to pay out of pocket. I spent over 2 months in bed with my muscles pulling so tight they ripped screaming in pain because they wont cover my meds and make it difficult to even see doctors the only reason I'm getting my own meds now is because my caretaker agreed to pay for them because he said this is inhumane treatment of the disabled and poor. Almost all low income government insurances treat their patients with same you don't matter attitude.

1 year 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 year 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.

1 year 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 !!

1 year 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

1 year 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.

1 year 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.

1 year 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.

1 year 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!

2 years 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.

2 years ago