| Reviewers Male / Female |
Recommend Yes / No |
Number of Reviews | Coverage | Claims | Customer Service | Cost | Total Average Rating |
| 8 / 9 | 1 / 16 | 17 | 1.88 | 1.77 | 2.17 | 2.01 | 1.96 |
| Date Submitted: | January 28, 2012 |
| Insurance Provider: | United Health Care in Iowa |
| Coverage: | 1 out of 10 |
| Claims: | 1 out of 10 |
| Customer Service: | 5 out of 10 |
| Cost: | 1 out of 10 |
| Recommend: | No |
| Review: | Good luck finding a provider! I am a provider and I am going to let you know that I wont work with United. They have horrible reimbursement rates so low they are not even considered insurance by my colleagues and I. Before you sign on with United, you better call your healthcare providers to make sure they will take United. Good luck with that. Comments [ 0 ] |
| Submitted by: | Dr, Mike 47 year-old :: Male Reviewer :: Boone, IA |
| Date Submitted: | January 10, 2012 |
| Insurance Provider: | United Health Care in Texas |
| Coverage: | 1 out of 10 |
| Claims: | 1 out of 10 |
| Customer Service: | 1 out of 10 |
| Cost: | 1 out of 10 |
| Recommend: | No |
| Review: | United Healthcare SUCKS I had Lung Cancer and UNITED HEALTHCARE will not pay for the scans my doctor orders,they say the scans are not medically necessary. They only care about the money not your health. Should be UNITED RIPOFF CARE. It is the only insurnce my company offers or I would change. Comments [ 0 ] |
| Submitted by: | khog 58 year-old :: Male Reviewer :: Texas |
| Date Submitted: | October 10, 2011 |
| Insurance Provider: | United Health Care in Florida |
| Coverage: | 1 out of 10 |
| Claims: | 1 out of 10 |
| Customer Service: | 1 out of 10 |
| Cost: | 1 out of 10 |
| Recommend: | No |
| Review: | never ever to UHC They really suck your money and give you nothing. I have faced multiple instances with them. First they declined my skin ointment saying that my age was not suitable to use it (Why the hell then doc would prescribe it??), second they took more than 6 months for my claims to settle. Last but not the least, when I suffered a hearing loss, the company gave away saying that they cannot sponsor for hearing aids..Please please dont ever think of enrolling with these guys..... Comments [ 1 ] |
| Submitted by: | Anthony 34 year-old :: Male Reviewer :: Miami |
| Date Submitted: | August 5, 2011 |
| Insurance Provider: | United Health Care in Texas |
| Coverage: | 1 out of 10 |
| Claims: | 1 out of 10 |
| Customer Service: | 1 out of 10 |
| Cost: | 1 out of 10 |
| Recommend: | No |
| Review: | Horrible company FORCE use of mail order prescription service which is a bunch of incompetent nincoompoops. My heart daily meds were NOT shipped to my home because they had a question even though they had shipped meds the day before to the same asddress. Has to be the most expensive premiums for the coverage you get. Comments [ 0 ] |
| Submitted by: | Sick & Tired of insurance company ripoff 64 year-old :: Male Reviewer :: Livingston, TX |
| Date Submitted: | August 1, 2011 |
| Insurance Provider: | United Health Care in Utah |
| Coverage: | 1 out of 10 |
| Claims: | 1 out of 10 |
| Customer Service: | 1 out of 10 |
| Cost: | 1 out of 10 |
| Recommend: | No |
| Review: | In my opinion Fraud! I have had extensive experience with this company over an eight year period and following is my honest opinion. Claims no matter how legitimate, get automatically rejected. It was always a dogfight to get them to pay. Customer Service Reps seem to be very skilled in stonewalling ultimately being no help what so ever. I came home from work one day to see my sweet hearted wife totally red in the face screaming over the phone begging them to be honest and pay the honest claim, there’s still a dent in the washing machine where she kicked it. That is how frustrated you could be if you do business with this company. I honestly considered quitting my company and working for someone else just because of this insurance. But nothing takes the cake like the time when I lost my job and we had no medical coverage for the family. My son had played eight years of football and wanted to play football his senior year of high school. The school only offered United Health Care as an insurance option for those who are unemployed. We really had to scrape together pennies just to buy United Health Care’s insurance. Well you guessed it, the last game of the year and our son got hurt, right in front of 2000 witnesses and hauled off on a stretcher. Well you guessed it again; they just refuse to pay the Dr. Bills. So who pays? The doctor or the unemployed. Comments [ 1 ] |
| Submitted by: | United Health Crap 49 year-old :: Male Reviewer :: Salt Lake City |
| Date Submitted: | April 25, 2011 |
| Insurance Provider: | United Health Care in Pennsylvania |
| Coverage: | 10 out of 10 |
| Claims: | 10 out of 10 |
| Customer Service: | 10 out of 10 |
| Cost: | 7 out of 10 |
| Recommend: | Yes |
| Review: | Worked fine for me... I had this insurance from an employer, and then continued that plan under COBRA after I was laid off. I used the insurance in 2010, for a leg problem mid-year, and for a physical and lab work at the end of the year. This is the first time I had used med insurance in over 8 years, so things have changed insurance-wise since I last had medical treatment. UHC handled all claims promptly and properly. The physical and lab work, billed at $800, cost me nothing as preventative care. The leg procedure bills totaled about $4300, and I ended being responsible for a bit over $1500, due to my deductible and coinsurance. I was happy with this plan as consumer, I can't speak of how UHC is to deal with as an employer or as a provider. Many of the complaints I've seen here seem to be from people who are unhappy with their coverage. But you (or your employer) choose your coverage when you choose your plan. If you want a policy that will pay for everything with no questions, then you have to go buy one that does that. As an aside, I rated the "coverage" above as a "10" not because the coverage was great, but because UHC covered everything they said they would. Comments [ 1 ] |
| Submitted by: | SB 42 year-old :: Male Reviewer :: PA |
| Date Submitted: | April 21, 2011 |
| Insurance Provider: | United Health Care in Pennsylvania |
| Coverage: | 1 out of 10 |
| Claims: | 1 out of 10 |
| Customer Service: | 1 out of 10 |
| Cost: | 1 out of 10 |
| Recommend: | No |
| Review: | Better not get sick - ever... At first you think it's a good plan - covers all well-visits and annual exams. BUT if you have to go for further testing, or get sick, then nothing is included and they start charging you. Our plan is a 4k deductible, so after UHC pay the first 2k, we have to come up with the next 4k, then they pay 80/20. I have outstanding bills from last year, collectors are calling but we don't have 4k laying around, and some bills are $1200 for this, $800 for that - and they all want paid now. I hate this insurance - for trying to raise a family of 5 with this insurance - just don't get sick. makes you question if you're "sick enough" to have to go to the doctors - for then you get a big bill if you've already used your deductible. And they charge you $300 deductible on drugs too - SUCKS!!!! Comments [ 0 ] |
| Submitted by: | PA resident - family of 5 39 year-old :: Female Reviewer :: Cranberry Twp, PA |
| Date Submitted: | April 16, 2011 |
| Insurance Provider: | United Health Care in Texas |
| Coverage: | 1 out of 10 |
| Claims: | 1 out of 10 |
| Customer Service: | 1 out of 10 |
| Cost: | 1 out of 10 |
| Recommend: | No |
| Review: | They suck!!! This company sucks!!! U will have to pay for everything as if you didn't have a health insurance and that's coz they apply almost everything towards the deductible. Every diagnostic test including labs get applied and so even tho I already paid 50 dollars for a specialist co pay I have to pay 100 more for lab draws. So if you're sick expect to pay a lot more to have your symptoms diagnosed . But, that's why we usually go to the doctor right coz were not feeling well. Their deductible is so high even tho the monthly premium is already very expensive. Customer service is not great either. They didn't want to help me get estimates for my labs..they wanted me to use their online estimator. When I tried to go to that page on their website..it was unavailable. Finally today it was up but then I coul,dn't find the services that I'll be needing..very frustrating. No one there seems to want to help and they couldn't care less! For all you out there looking for an insurance, do not get this one! This will give you a big headache, will make you sicker instead of healthier and will make you spend all your money on medical bills. And you'll realize it only later when you receive the bills. Consider yourselves warned!!! Comments [ 0 ] |
| Submitted by: | Pissed off 35 year-old :: Female Reviewer :: Austin,tx |
| Date Submitted: | March 11, 2011 |
| Insurance Provider: | United Health Care in Maryland |
| Coverage: | 1 out of 10 |
| Claims: | 1 out of 10 |
| Customer Service: | 5 out of 10 |
| Cost: | 1 out of 10 |
| Recommend: | No |
| Review: | Covers NOTHING!!!!!!!! This company does not allow you to satisfy your deductible by paying copays and coinsurance like every other insurance I have ever had. I owe every single penny of a series of doctor visits and x-rays for Plantar Fasciitis which total over $800. Basically, I pay EXTRA to have health insurance. I am currently sick - have had a fever for 2 days but can't go to the doctor because I can't afford it even though I am "insured." This compnay is a joke. Comments [ 0 ] |
| Submitted by: | Furious 28 year-old :: Female Reviewer :: MD |
| Date Submitted: | January 27, 2011 |
| Insurance Provider: | United Health Care in California |
| Coverage: | 1 out of 10 |
| Claims: | 1 out of 10 |
| Customer Service: | 1 out of 10 |
| Cost: | 1 out of 10 |
| Recommend: | No |
| Review: | Idiots I ended up with this lousy coverage after my professional organization's insurance switched to its program. There is a single contact number where I am and it is only open at limited hours of the day, as if health emergencies only happened at set business hours. The people in the network are ill-informed about coverage and idiotic regarding medical conditions in general. I was told an entire hospital would be covered under my plan so committed to going there for my care but when I arrived at urgent care, too late to make another appointment, I learned I would have to pay out of pocket. This will cost me a minimum of one-half of my entire quarterly premium. I would like to personally hand my own illness to the director of this program, remove any coverage from them, and let them see how it feels. This amount was equal to more than half the cost of renting my room for one month. Comments [ 0 ] |
| Submitted by: | Katharine 42 year-old :: Female Reviewer :: San Francisco, CA |
| Date Submitted: | October 29, 2010 |
| Insurance Provider: | United Health Care in California |
| Coverage: | 1 out of 10 |
| Claims: | 1 out of 10 |
| Customer Service: | 1 out of 10 |
| Cost: | 1 out of 10 |
| Recommend: | No |
| Review: | Thieves They take your money/premium for years, month after month, and as long as you don't need any medical care there is no problem. The problem is that you may pay them a fortune for "insurance" that does not really exist because they find some bizarre loophole to get out of paying. It's like putting money into a bank account for your medical care, but they take it out of your account just when you need it. Sort of like paying charity to a bank. Comments [ 0 ] |
| Submitted by: | Disillusioned 40 year-old :: Female Reviewer :: CA, USA |
| Date Submitted: | July 1, 2010 |
| Insurance Provider: | United Health Care in California |
| Coverage: | 1 out of 10 |
| Claims: | 1 out of 10 |
| Customer Service: | 1 out of 10 |
| Cost: | 4 out of 10 |
| Recommend: | No |
| Review: | United Healthcare's Questionable Tactics I just read an article that says, “Hospital executives rank United Healthcare as the worst insurance company in the United States.” (It is available here: www.allbusiness.com/health-care/health-care-facilities). This will come as no surprise to many members and providers alike. Like many others, I want to share my recent experience with United Health Care so that people can decide for themselves whether or not this is the kind of health insurance they feel they want to purchase for their families. I am a neuropsychologist and was asked to see a UHC member for neuropsychological testing. I filled out all of the appropriate forms required by United Healthcare and received a telephone call authorizing me to test their member. They gave me a cap on the hours (13 hours total) and an authorization number. I provided the services as promised and then sent the appropriate claim to the United Healthcare offices. When they sent me the check, there was a note on the Explanation of Benefits saying I had agreed to a discounted fee (an approximately 50% discount, mind you) through an organization called MultiPlan (If you haven't heard of them, you're in for a treat. They contract with insurance companies to try to persuade clinicians to agree to a reduced fee and they get paid a percentage of what they "save" the insurance company.) Needless to say, I do not and never will have an agreement with this company, as I do not support business practices such as this. When I contacted United Healthcare to straighten this out, they told me I had to deal with MultiPlan. Multiplan never answers their phone (I wonder why) so I got nowhere until I filed a complaint with the Better Business Bureau. This got the attention of Cindy Hernandez, a Consumer Affairs Advocate for UHC (1-800-842-2656). She researched this issue and came up with a fabulous solution! She decided that United Healthcare had authorized this treatment in error and paid me in error AFTER I HAD RENDERED THE AUTHORIZED TREATMENT to their member. They then "recalculated" the claim form and decided that I actually owe THEM money! They have asked for the entire amount back ($966.68). They have a very fancy way of explaining their "logic" and have added that the original error was with their processor and they have arranged for her "to receive additional training or other intervention as appropriate." With a second patient, they attempted to get me to accept a reduced fee through MultiPlan for another member and I declined. After that, they refused to pay me AT ALL for the services I provided to the other member while he was in the hospital. United Healthcare also authorized these services and the correct authorization number was submitted with the claims. In both cases the services were requested by a physician and approved by United Healthcare. The services were rendered as authorized and the appropriate claims were filed. Unfortunately – and this really is the sad part – both of these claims will have to be paid in full by the members. These claims total thousands of dollars. As I'm sure many of you know, United Healthcare is the focus of a Class Action Lawsuit in New York because of their questionable business practices. When I Googled “United Health Care reviews,” I was SHOCKED at the number of complaints against this company. How is it that they are getting away with this kind of behavior? Comments [ 0 ] |
| Submitted by: | nah415 37 year-old :: Female Reviewer :: California |
| Date Submitted: | May 21, 2009 |
| Insurance Provider: | United Health Care in California |
| Coverage: | 3 out of 10 |
| Claims: | 1 out of 10 |
| Customer Service: | 1 out of 10 |
| Cost: | 3 out of 10 |
| Recommend: | No |
| Review: | It's not worth it! United HealthCare is notorious for their customer services. If you are put on hold or transferred to another extension, expect 3/5 times you will be disconnected and nobody will follow up. The phone is always directed to voicemail. I sometimes wonder do they just hire some part-time or housewives to work for their customer service. Since they are infamous for unresonablely rejecting doctor's claim and poor reimbursement, most doctors do not accept United HealthCare insurance. As such, even you have their insurance, it's no use if you cannot follow the doctors that you like. I ended up changing my insurance to other companies. Overall, the experience is BAD. Comments [ 0 ] |
| Submitted by: | Frustrated Patient 34 year-old :: Female Reviewer :: Pasadena, CA |
| Date Submitted: | November 1, 2007 |
| Insurance Provider: | United Health Care in California |
| Coverage: | 5 out of 10 |
| Claims: | 5 out of 10 |
| Customer Service: | 4 out of 10 |
| Cost: | 3 out of 10 |
| Recommend: | No |
| Review: | Headaches, frustration, with some silver linings. I pay a lot to be in their Definity Gold plan (the best my company offers) which requires that you use doctors, Labs, and hospitals in their preferred provider list or you pay an additional 20% out of pocket and anything that is above their payment for in network providers. They had a reasonable list of doctors in their preferred list. Since they were purchased by Pacific Care they are reducing their payments for service and we are getting letters from our doctors that they can no longer accept their coverage. If you go to a doctor who is in their list or was in their list their list last time you went to the doctor there is no guarantee that they would be dropped from the list while you’re driving to your appointment. My Family has been bit twice this year by that. If your lab work isn’t sent to a lab on their list you pay the penalty. You can get an out of network exception supposedly if they have no provider in network within 30 miles of you. But, if they have a provider on their list even if they don’t exist or don’t do what it is you need you’re screwed. I wasted a day and a half on the phone with them trying to get this done and they lost all five (5) requests that they entered in their system. If the condition is serious or an emergency it will not get done and you’ll be the one paying. I am trying to get an out of network exception for something that is not immediately life threatening. It’s taken three weeks and they agreed to pay the doctor (whatever that means) but they lost the part about the device the doctor is fitting to me and we are resubmitting. They do pay about 80% of the time without all the hassles. But they are slow. So if your time has no value at all. This might not be a problem. The silver lining is. They do have nurses you can call any time of the day or night for advise and if you have major surgery a nurse is assigned to you who reviews what the doctor has done and is planning and our nurse actually suggested requesting Physical Therapy., and has given good suggestions on fighting the bureaucracy of trying to get a bill paid. Comments [ 1 ] |
| Submitted by: | Roper 50 year-old :: Male Reviewer :: Orange County |
|
|
Related Sites & Information |
|