UnitedHealthcare

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!

Covers all necessary medical products at the best overall cost

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.

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.

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.

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.

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.

United Healthcare is absolutely awful. The first year our organization was with them was great the second year was universally horrible. They made it difficult and at times impossible to get healthcare or prescriptions covered. Their referral approval process has multiple catches and delays so the insured is in violation of their extremely limited time allowances. They dance on the edge of unscrupulous. The financial cost to individuals and families far exceeds any apparent savings. They are extremely difficult to deal with. Stay far far away.

These people only care about their bottom line. They deny EVERYTHING! Then you have to file an appeal, which takes more time. Meanwhile, you’re not getting the necessary treatment that you need. I think they’re being ran by a bunch of republicans who believe only the wealthy deserve healthcare. If you’re poor, too bad. So, I can’t get the medical treatment that I need, but the wealthiest people in America can get huge tax breaks? Somehow, that doesn’t seem fair. I can only hope that the people who deny everything have to go through the same process sometime in their life so they can see how it feels. And i hope they’re denied!!!

Been a medical insurance biller for 25 years and UHC has been the worst insurance I had to deal with. Since 2006 when they moved their provider services overseas it has been a headache dealing with UHC. Besides the language barrier, I have to tell the representative how to do their job and asking them to write exactly what I am explaining. When I call to have reconsider a denial due to UHC error they come back saying I have to send a reconsideration. Back before 2006, UHC provider representatives would know what they had to do. UHC denies expecting for providers to be overwhelmed and not question their denials and unfortunately due to lack of staff or experience UHC wins.

United Health Care is more concerned about their bottom line than it's customers. Example: I have insomnia. Two days ago my PCP sent a perscription to Walgreens for a generic verison of Ambien. An already reduced cost generic version. I received a notice from Walgreens there was some sort of problem with the insurance approval. That was in the afternoon. The next morning I went to Walgreens. They said UHC has not approved the perscription. I called UHC right there at the pharmacy. Had to do a similar thing a couple months for another perscription problem. The woman from UHC said I needed prior authorization for this perscription. Really, a simple sleep aide? Walgreens needed to send a fax to my PCP and the PCP needed to request it. Crap. Ok, Walgreens said they sent the fax yesterday and they did it again while I was there. At 4:21PM yesterday, I received a call from a guy named Rom about my perscription. He said the prior authorization was denied. I ask why. He said I had to call UHC at the number on the back of my card. I ask, aren't you with UHC. No, we partner with them to take care of these calls (to give out the bad news and force the customer to take yet another step to try to get information and try to resolve the problem). I ask more questions and he knew nothing and was useless. I ask what company he worked for. He would not answer. I repeatedly pressed him for the company name. I heard laughing in the background. Oh, they thought this was funny. Of course I had not been sleeping much and did not find it funny at all. He finally said he did not have to tell me. Fine, he was useless anyway. I hung up and called the UHC number on the back of the card. Got a very nice lady, Jolene. on the phone and despite me being quite upset, she remained very nice... I give credit where credit is due. But that's the only nice thing I have to say. I ask a number of questions. The gist of it was there were two other sleep aids that I had not demonstrated I was Intollerent and they were cheaper. Really, to save a few bucks UCH would not approve a generic brand of Ambien and sent me back to the drawing board. Ok. I ask for something in writing on this. Rom from the previous call said I'd they sent an email...nope. Jolene said yes, I'd receive something in the mail. Email I ask to clarify. Nope, snail mail. When I ask? In the next 30 days. Really, I'm not sleeping. I can't get the perscription I've had before and I know works and I can't get the rejection information to file an appeal until sometime in the next 30 days. They have no problem emailing advertisements frequently, buy a rejection, snail mail in a month. I received a robot call when typing this and it told me again of the rejection and said I'd get the mail in 3 business days. Ok, different info from the 3 sources. In the mean time, no relief for the patient. UHC cares more about the bottom line that their customers. I'll be changing to a new insurance company next enrollment period. Oh, one more thing. At the start of the call with Jolene, the robo system ask if I'd be willing to leave a review. You bet. It said to hold on the line when my call was finished. I did for 5 minutes...no review came on the line. Guess they knew it was going to be bad.

Pay a premium price for sub-standard care! UHC is putting small hospitals out of business by demanding lower prices than the hospital’s costs to operate. UHC refused to negotiate in good faith with the hospital system in North Georgia, which forces its patients to drive an hour away to receive care at a sub-standard hospital. This is not what we paid a great deal of money for! Since UHC is the “biggest bully” on the block, they feel they can demand whatever terms they want and have hospitals (including non-profit hospitals that offer indigent care) accept their terms, or they walk. This includes being able to change their pricing demands at any time during the contract. They also lost ALL of my claims from last year, and it took me hundreds of hours to try to get them back. I am sure many are still missing. Very, very poorly run company that doesn’t care about their customers, or other hospitals. We have been with UHC for over 20 years, and within the last 3 years, their customer service has fallen to the bottom of the pile. There is no customer service! Save your money and go with a reputable healthcare company. Hopefully this one won’t be in business for long.

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.

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!

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.

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.

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...

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.

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 !!

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

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.

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.

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.

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!

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.

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.

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