United HealthCare Services
Reviews and Complaints

Have been Contributing since March of 2014, this company is by far the worst I have ever had the displeasure of dealing with. My wife is an eligible dependent on my Dental Benefits, I submitted the claim for reimbursement for expenses. it's been over 3 months, I have spoken to 4 Supervisors and over a dozen Representatives. All i get are constant lies and promises of return phone calls which never arrive. When they do call you and you attempt to call that number back it comes up disconnected, to add injury to insult, they do not provide you with last names or Rep ID numbers or an extension number to call the agent who is supposedly helping you with the claim. Thus far I still yet to resolve this. I imagine they are prolonging it so they can keep the funds after the expiration date. This should be a crime.

Let me start with this I have been dealing with this issue over two months. My mom has dementia and is unable to handle things on her own. Back in June they cancelled her insurance an her premium went up because marketplace said they didn't receive papers. A new application was filled out and her new effective date was 8/1 united healthcare messed up and put it for 9/1 this was the first issue to may more . it took three weeks for them to update the effective date . mean time we are unable to see a doctor and I had to pay out of pocket for her medication because her insurance still isn't fixed. I called almost daily talked to many many people and all seemed that they wanted to help but no one has. after effective date was fixed the next issues is they messed up billing. so they took money out of my moms account (wire) when they wanted to . so for april may and june no payment came out. July 127 came out. then nothing more came out. so I was told in order to active her account again I would have to pay 580 bucks. I told them she lives off social security there was no way. we no one was helpful so I had to pay my moms insurance so she could go see a doctor. I paid it and was told that her insurance would be active within 3 days. her. Here we are 9/20 and insurance still not active I called the last two weeks to see why spoke to may people about 7 within 5 days and on Thursday on her doctors appointment date I told them I wasn't missing another doctors apt because they are charring me 25 dollars for cancelling and changing the dates . the person I spoke to Friday said well its not active for 60 cents, yes .60 cents. I was like you got to be kidding me. I mean I paid what you told me over the phone how is it short .60 they guy was like you have to pay it.i paid it still the account is not active, I really need to know what I can do . this is going on two months and nothing is fixed and not one seems to care or want to do anything except open ticket after ticket that takes almost weeks to review. this is just the half not to mention all the hours I spent on hold daily and transferred because they didn't want to deal with it. This insurance company is a JOKE and have no customers service . They only want your money and still could care less of what all they have managed to MESS up in the last two months that still is not fixed .

I spent hours trying to sign my wife and I up. They are divided into subsections that refuse to talk to each other, canceled my wife's ins. without informing us, signed me up in a plan totally different than the one my wife was supposed to have. A total wast of time. I now see that they are refusing to pay for covered expenses for their customers.

I was tricked because AARP "endorsed" them. Turns out AARP sold their name to the crooks and are tricking their members. Now we're stuck trying to get ins AFTER we turned 65, a seemingly impossible task, especially as UHC refuses to provide the information we need. Run away from this outfit. They show why America is the most expensive health care system in the world yet provides care that would be substandard in most third world countries.

On the 1st of June 2015 my insurance company, United healthcare, deducted $287.58 instedad of $95.86 due to technichal issure. Somehow, my bills were doubled for the past 6 months i was with this company. As i was going to vacation, i just had enough money on my account for automatic payments, including UHC payment. But because they charged me more that they were supposed to, and i did not have sufficient funds on my account, my back charged me $76.99 for overdraft fees! It took me 3 weeks to get $191.75 refund (amount that i was charged extra). Throughout these three week i called 3 times to find out were my case stands. My concern was not only $191.75 i was charged extra due to technichal problem, but also 76.99 my bank charged me for OD fees. Clearly, it was the insurance company fault. A bank statement wass also emailed to the company about the OD fee. All agents i talked to admitted the fault and promissed that the refumd will be granted. In July I started to call the insurance compamy again because of OD Fees refund. The agent i talked to said that the refund was processed on June, 30 and check was sent. However, I never received the check. On the 30th of June, I called the insurance company again, and the representative i talked to said that the company does not return my overdraft fees even though it is the company's fault. When I asked her to put a superviser on the phone, she refused, but said that a superviser will call me back. However, i got no phonecall back. On the July 31, i went to my back to ask if the OD fees can be returned and the banker said that since it wasnot bank's faul she couldnt do anything, but she called the insurance campany again from my behalf and the representative she talked to (Jack) said the refund will be made. I would like to know why all the representatives i talked to say different story and why i was lied about the refund? Even though when i mentioned if OD fee refund will not be granted, i will have to contact my lawyer, the representatives ignored me and said "do what you have to do."

January 26, 2015 I set up automatic payment by phone. UHC took one payment out, (referenced on my financial institution statement as an automatic payment.

During the month of April 2015 I called UHC regarding the statements I was receiving from my health care providers; my providers had not been receiving payment. I was advised by the UHC representative that all would be paid and there was no problem.

June 17, 2015 I received a letter from UHC stating, "This is your monthly billing statement for your health insurance plan. Payment is due in full on or before 06/01/2015." The letter also states there I have an outstanding balance of $159, 93. I immediately called UHC remind them that I had automatic payment set up. I was advised that my insurance had been cancelled, they had no record of my automatic payment, nor the name of the representative I established the automatic payment. I said, "well let's resolve this right now. I will give you a payment now." I was advised they would not accept a payment. I was also advised that five previous letters were sent, (none of which I have received). Upon the termination of my telephone conversation, I signed in to my online account with UHC to discover that my health insurance had bee cancelled on March 31, 2015.

I was discussing the bama Care plan with my physician and was informed that written into the agreement with healthcare facilities accepting bama Care, that in the event a participant does not pay their premimun for three months, the insurance company will cancel the client and all funds paid to the physician will be demanded back to the insurance company.

Based on my personal experience and the thousands of complaints online regarding UHC, i have to wonder if this is not standard practice for UHC to rid their rolls of seniors not quite eligible for Medicare, or members with serious health issues.

Signed up for health care using healthcare.gov. Paid the premium during signup. Never received the "signup package" and never received the member ID card. Called 3 times totaling over 4 hours on the phone and emailed "Contact Us" several times. healthcare.gov has cancelled old insurance when we signed up for United Health Care... so now hospital will not admit us because do not have insurance card. I Have proof of payment, and even made a second payment, so now 2 months paid in advance. United Health Care help has been courteous "we will make notes in your account" & "I'll have to transfer you to..." It's now been 4 weeks - Customer Service sucks. I am filing legal papers; looks like that is the only way to get some response.

I have had UHC for years, and had an accident that was covered under my policy. They denied the claim. I asked to speak to a manager. They got me to a guy named Jay Low. Jay was a real jerk. He told me that I was unintelligent and that I should have spent more money on a policy. I told him that I would take the company to court, he laughed and told me I couledn't even afford a suit. STAY FAR AWAY FROM JAY LOW AND UNITED HEALTH CARE. THEY ARE SNAKES AND LIARS.

Decided to get insurance with United Healthcare effective 1/1/2015. I am in great health and had coverage for over 30 years when employed full-time, but figured 1.) I really should have insurance, even though I always pay my medical bills and 2.) the "wonderful" government has decided to punish us at income tax time if you aren't covered. I have "Silver Compass 250" which requires referrals to see a specialist, unlike some other UHC plans. So, I requested a referral from my primary care doctors office. They tried for over a week back and forth on the phone with UHC trying to submit electronic referral. . I also spoke with another physicians office and they stated that they did not know how to navigate the software either to submit an electronic referral for this plan.. Bottom line is my doctors office submitted a faxed referral for specialist visit which UHC will NOT honor, so now I have to pay out of my pocket. Take my advice - DO NOT GO TO ANY SPECIALIST unless you make sure UHC has an electronic referral.

I have been on the phone for one hour and 55 minutes with a "supervisor" with UHC Rx about my account and my husband's account. UHC sent us a bill for two months' premiums on accoun [protected]. The payment for this account for December 2014 was sent in the same envelope - but in a separate check - along with the payment for account [protected]. The payment on account ending 8681 cleared our bank on dec. 31, 2014. UHC IS UNABLE TO TELL ME what happened to the check on account ending in 33711. Aside from the ridiculous hold time (this is not my first time to hold in excess of 45 minutes), in order to TRY to pay for these two accounts today in order to avoid missing the due date, I have now been placed on hold AGAIN to make a credit card payment. I am now at two(2) hours and five minutes on the phone because UHC Rx's inability to resolve this matter, waiting to make a credit card payment. This is inexcusable. If you can do something, anything, to improve this very poor service, I would appreciate it very much.

1/2/2015
California Ins. Commission
To Whom It May Concern,
This is in response to United Health Care’s, Dec. 20, 2014 letter which I received Jan. 2, 2015.
I would like to file a complaint, for they have made it impossible to file into their appeals process:
1. The necessity for numerous MRI’s is because of doctor, surgeon’s error. 3 MRI’s to date. 4/2014, 11/27/13 and 11.24/14. Why should I have to pay because of the surgeon’s error?
2. I was not even notified of the co-pay until I was billed, 6-9 months after the MRI services where rendered. U.H.C. states you have to appeal within 60 days but if you do not know of the co pay till 6-9 months later, how are you to appeal?
3. I, only, recently, 12/2014, was notified by United Health Care that you have to appeal the services within 60 days of your medical provider, acknowledging the services, but U.H.C., also, notified me that I would have no acknowledgement of when that medical provider is acknowledging the services, so I would have NO WAY OF KNOWING WHEN THE MEDICAL PROVIDER ACKNOWLEDGES THE SERVICES. I have 60 days after medical provider acknowledges to U.H.C. of services but I am not notified when that is, so I can file an appeal, making the appeals process an impossible feat.
4. Since, I would have no way of knowing when the medical provider acknowledges the services, there is no way for me to know when the 60 days to appeal starts. Again, I am not even notified of a co pay until billed, by the medical provider 6-9 months after the services are rendered.
5. Example: I now had my 3rd MRI, 11/24/14. I immediately, after 11-24-14, MRI, appealed the co-pay (now that I know of the co pay) but United Health Care 12/2014 (see letter dated Dec. 20, 2014 & received Jan. 2, 2015) notified me that I cannot appeal the co pay until the medical provider acknowledges the services rendered but I will not know when that is. If I am not notified when the 60 day appeal time starts, then how can I appropriately appeal it within 60 days? In fact, I’m not notified until 6-9 months after the services rendered and only though billing.. The Appeals process is an impossible feat.
6. I have, already, appealed the 3rd MRI, 11-24-14, co pay but United Health Care refuses to accept my appeal. I am a Senior, I feel this is some sort of crazy making abuse upon the part of United Health Care.

AB 2347, authored by Assembly Member Lorena Gonzalez (D-San Diego) -Annuity disclosures
Consumer protection and helping seniors avoid possible financial hardship is paramount to the mission of the Department of Insurance. Seniors now have more protection with the new annuity disclosure requirements provided by AB 2347. The new law requires disclosure language on the front of the policy jacket or on the cover sheet for an immediate annuity that aligns with the disclosure language already required for the more common deferred annuity products. This bill will go into effect July 1, 2015
Thank you,
Rickie Hulsey
13342 Chestnut St.
Westminster, CA 92683
[protected]
Cc’d:
Untied Health Care
P.O. Box 6106
Cypress, CA 90630

My 13 year old daughter has suffered from mental illness for over a year now. Consistent suicide attempts, cutting, low self esteem, eating disorders, massive weight loss. We spent 4 days in the hospital last October waiting for a bed to open up in 1 of the 2 mental health facilities in the Phoenix Metro area because she swallowed a handful of Advil. That never happened and we were sent home. We sent her to counseling weekly and a psychiatrist monthly for medication. In March this year, she attempted to hang herself in the shower and cut her wrists. We took her to Aurora for treatment. United Health initially denied the claims outright and the facility appealed multiple times. Eventually they paid the claim but she could only stay for 7 days. Then she went to intensive outpatient therapy for 2 months, continued with counselor and psychiatrist. Two months ago, a concerned parent approached administration at her school that they were afraid she was going to hurt herself. A week ago, a local police department contacted her school with concern that she had made a suicide pact to [censored] on her 14th birthday in December. A report was created by the police department. Her meds had been increased several times over several months and all of her doctors have continued fears for her well being. We decided, we meaning us her parents, school administration, family and friends, and all of her MEDiCAL DOCTORS that she needs advanced help for her mental health issues. We contacted a residential treatment facility in California since there are none in Arizona other than acute care. Today her claim was denied after 2 days of working to get authorization. When the "case manager" Dennis finally returned my call today, he stated that my daughter is not suicidal. Really? With literally hundreds of 1 inch cuts and scars on her legs, stomach, arms, wrists, and shoulders, I would say that Dennis has no clue what he is talking about. Then he says if I have a problem, I should take it up with the facility...he was just returning my call and then the call ended...I am sure Dennis [protected] (is that Minnesota) and his "on staff medical doctor" know way more about my daughter than her multiple medical doctors, counselors, and psychiatrist. So if my daughter decides to attempt suicide again and succeeds, do I need to take her scarred and wounded body to United Health headquarters to give this multi billion dollar company a lesson in humanity? Somehow, I doubt that would matter to them anyways. She is just an ID number to them...their "case managers" I am sure are compensated well for keeping their claim dollars down. I hope you can sleep at night United Health behavioral health...what a joke...

I am still waiting for a refund check from July of 2012. I paid a doctor $1, 000 and I was only supposed to pay $20 co pay. Recently I was given a reference number of CO1401650223473 and told that I would receive my payment within two weeks. I never received it and called back. I was told a totally different story. I am so upset with United Health because of the lack of knowledge when you make a call. I just want to know what I have to do to resolve this issue. The date of service was February 7, 2012. The doctor was Mellisa Jenkins. I would appreciate your help in this matter. Thank You

Okay so I was an employee of UHC for 2 years, we were permanently laid off at the end of June 2014 due to outsourcing of our jobs so our positions were eliminated. We were told in May that this would happen by August, 2014 -- but it happened sooner than we were told. We were summoned to a mandatory meeting and fired, promised that our supervisors would "call us" after the meeting concluded and we would be sent a termination letter in the mail as well as information about severance packages and things like insurance and what would happen to the vacation hours we added up and never took. We were told not to finish out the day and our services would be eliminated within an hour after the call. The main person talking was named Jeremy and he didn't seem at all sympathetic and in the background the "main boss" Dom was talking in the background like THE EMPLOYEES did something wrong, and was very rude to everyone.
I understand they (UHC) wants to save a buck by outsourcing the jobs to India, so that they get bigger bonuses for the investors and the people at the top. The people in India were in our training classes and couldn't speak English to save their lives, and our trainers had to have them "type questions" into the chat box because no one could understand what these Indians were saying when they did try to speak whatever type of broken English they'd learned. It was horrible, but whatever- I'm sure consumers and doctors will love knowing that India now has acess to PERSONAL HEALTH INFORMATION including SOCIAL SECURITY NUMBERS and all that stuff. I'm sure no one has googled any of the India scams that are going on with stealing people's credit and information - but congrats United Healthcare I'm sure it will work out fabulously.
They let 45 percent of our department go, rough estimate like 100+ people across the United States, but I'm sure India needs our jobs more. So I'm another fool on welfare and getting unemployment, who cares. Anyway that's not the problem I had.
I was told I would get a call from my supervisor, who at best was an idiot in general and never could seem to follow up with employees, and never gave monthly evaluations like they were supposed to because they're not even qualified to be supervisors but probably work for very cheap. This person NEVER called me and today has been one week since I was let go. I also have all the equipment for UNITED HEALTHCARE including computers and such - and I was told that I would be sent a box to mail everything back and I was instructed to NOT BRING THE ITEMS TO THE LOCAL OFFICE. Well I never got this supposed box to return my equipment so I'm sitting here with tons of items and no way to return the equipment. I'm mostly pissed that the supervisor never called to tell me any additional information that might be helpful like I was promised.
To top everything off, I was told we had until July 10th in order to apply for jobs internally and print our pay check stubs. I called HR DIRECT to get access because of course my passwords don't work now that I'm no longer an employee. I actually talked to a ###ic girl from India who barely spoke English, told me I had to call the IT department, and then hung up on me because she couldn't speak English. I called the IT department and was told they'd open a "work ticket" and fix the password issues so I can print pay check stubs I need in order to collect FOOD STAMP BENEFITS (because my unemployment will only be $300 a week and I cannot support myself with this low amount of money. I also need the pay check stubs so I can file for state medical insurance because my United Healthcare insurance is over after 7/31/14, and I can't afford $300 a month in order to get their "Cobra insurance" for my family).
United Healthcare is a piece of crap company that oursources and doesn't care about AMERICAN JOBS or their AMERICAN EMPLOYEES. I will never, ever work there again and will continue to bad mouth these ###s every chance I get. I can't even print pay check stubs or get them sent to me, so I guess no food stamps or medical insurance for me and my children.

Dont ever choose this as insurance company. I have a claim 742081-1. For which in a very seviour condition i have to admit into hospital and they applied for cashless claim, for which they denied the case and when I called them they mentioned that have to file reimbursement. I have been in hospital for 2 days i have paid all the money and got discharged(closely missed an surgery). After I paid the bill and applied for reimbursement they have taken almost 2 months and said that they cannot do it. They say that doctor has kept in hospital for testing the patient. But the so called patient is in hospital and have paid the money from pocket. they make money for nothing. If you chose them at the end of the year you pay your hospital bills and pay for the UHC for surviving.

Spoke with 3 customer service reps who sent me different directions only to learn none could answer my question. They all said it's a huge issue but there is no place to address my concern. When I asked for the forum to discuss the $600 fee that UnitedHealthCare is charging more than everyone else, they said "there is no complaint department". No place to state my issue?! No. When I said the fee was ludicrous, the customer service rep stated, "So you think you will be the one person to change healthcare?".

I can deal with a lot, but the fact that they are one sided customer service with no way to get past the front line, and no place to state an opinion...all I can say is "wow". Not sure what I am paying for with healthcare...they are horrible.

These folks are the worst. When I submit a claim to them, I fax it, mail it, and submit it online. I wait 48 hours to let them get the fax, and then I start calling. Invariably, the agents I talk to are not able to see that it was received. I send it again. I work for the US Postal Service, and this is the type of vendor we generally work with- inept.

~Seniors are victims of conspiracy by Medicare insurance providers~ United Healthcare (UHC)

My doctor prescribed a motorized wheelchair (mine died after years of service)... so, I went through all the red tape to process the order; knowing I was going to have a hefty copay like maybe $2, 000. I found that the 3 collaborating agencies had very poor communication and no follow-up.

I made over fifty calls informing everyone what was expected to process the order (most was in the Medicare book.) By poor communicating, I cite an example:

My doctor’s office had to fax information 4 times for someone to confirm the transaction. Staying on top of it was tedious and frustrating. When I thought all was completed and received, I called for a status and behold I was told United Health Care had NO RECORD of any transaction.

I continued to call the 3 agencies to hunt for the black hole to find out where the paperwork might be. After many fabricated stories blaming each other, I finally got an answer! My provider, United Healthcare, requested (conspired) with their medical supply agency, Wheelchair Pro, place the paperwork on my expedited order on hold in "quality."

The more I talked to Wheelchair Pro, I learned UHC requested them to hold my paperwork until they felt sure I would stay enrolled with them as a provider. This AH-HA moment was verified by Wheelchair Pro and United Healthcare. So, I called them on their unethical conspiring to manipulate me.

Their cruelty made me angry that they would pull this on a customer. I spent all the holidays and January unable to enjoy any social activities. It put me in danger; Even though I had assistance, I fell twice transferring from bed to a living room chair, where I spent the months waiting. I was then told to call back in 48 hours to receive the nurse’s final sign-off.

I never received a letter so I called UHC back and get this, “ My paperwork has been cancelled”! I asked why and they asked if I would prefer to have their doctor call my doctor or did I want the cancellation letter instead. I asked for them to call my doctor.
Wow, what a slap in the face. No notification, no letter, no call. They told me I could appeal. Appeal what? I don’t even know the reason for the cancellation, so how can I appeal?

I guess I’ll call my doctor. By the way, I am still waiting for UHC to approve the final paperwork and send a letter with prices, give details on the chair, and allow me to buy, sight unseen, an appropriate chair. Help!

I have seen the underbelly of Medicare providers. Now I ask you, where is there an ethical and efficient provider? I have been in a wheelchair for years and completed all UHC process requirements. They lost my paperwork several times and placed it on hold through both Thanksgiving and Christmas just because they wanted to verify I was going to stay with UHC. In January I tracked it and made it an issue to continue the process because the hold was unethical and points to conspiring to hold service from their customer ~~ ME.

Take care to ensure you are not a victim of unethical practices. Please click like if you agree with the poor treatment of Medicare providers. I need your support to help me get the appropriate power chair so I can get around.

I had surgery on 11/25/13 before my surgery I made sure to follow all the regulations that my insurance company . I went for the required tests, the required amount of doctor visits and verified with my husbands work (where the insurance is through) and verified with my doctors billing dept. that I had to meet a $2, 000.00 deductible in doctor bills for the year first. Well with all the blood work and tests I was almost there. I was assured that with the hospital bill for surgery I would more than meet my deductible. Well the insurance company now states that I haven't met my deductible and I am responsible for the anesthesia bill, along with other bills. They now say that I have to meet $2, 000.00 for each procedure I had done? It really feels like the United Health Care is changing the rules in the middle of the game...because I'm lost...My husbands work is confused and the doctors office says they can't resubmit bills because the insurance company just kicks them back as duplicates.. UNITED HEALTH CARE LIES AND RIPS PEOPLE OFF>>>>DO NOT GET THIS INSURANCE...IT'S A FIGHT TO GET PRESCRIPTIONS IT'S A FIGHT TO GET BILLS PAID AND THEY TAKE YOUR MONEY AND WON'T PAY FOR YOUR CARE.