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United Healthcare is a NIGHTMARE to be insured with
Posted by Brynn on 09/21/2010
If you are considering insurances, DO NOT consider this one, you will pay the price. After visiting the doctor last month, I come to find out after receiving both a doctor bill and medical lab bills that I wasn't insured. I just about paniked, and I called them to have them tell me that even though I had paid my bill, had documents stating I was insured, I somehow happened not to be. After over 4 hours on the phone, (they don't have a universal computer system) and accepting I will have to pay my bills with no explanation, I received a letter from United Healthcare stating I had been insured that entire month. Now, I called back and they are claiming, oh yes, it was our fault, in fact you are insured. So, after being transferred many more times, I got someone who claims that they will contact all of the labs and Dr. offices and send a check to cover what they should with an explanation.
Now, this isn't the first time I have had a horrible experience. I am honestly expecting them to screw this up to, so I called the billing departments and updated them myself.
They seem to mysteriously uninsure people. My sister who had been insured through them gave birth, and found out a month later that they had decided to cancel her insurance claiming her labor and delivery weren't going to be covered by them. In the end- THREE YEARS later she won and was awarded that coverage, although she is still waiting for the $.
So, save yourself time, give yourself peace of mind and don't even consider United Healthcare for your insurance, you will be sorry.

     
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Posted by trp2hevn on 2010-09-21:
Is this insurance through your employer or did you sign up with them on your own? The reason I ask is, because my father's employer just switched to UHC and I hope he doesn't have to go through anything like this. It's hard enough to get him to go to the doctor as it is. If he has to jump through hoops, I'm afraid he won't go if he has too much BS to deal with.
Posted by Mrs. V on 2010-09-21:
I've had UHC for about 10 years without problem, but mine is through my husbands job (federal).
Posted by trp2hevn on 2010-09-21:
I wonder if they treat claims differently depending on if it is an individual plan vs an employer based plan.
Posted by Anonymous on 2010-09-21:
Several years ago, UHC was one of the better carriers. But, before our company changed to an equally horrendous carrier, Cigna, I had to go round and round with them about every claim. They were all covered, but they always found a way to delay payment. After many phone calls and letters, they would pay up. Ridiculous!
Posted by United Health Care STINKS on 2012-12-26:
Their customer service department is the worst I've ever had the misfortune to contact. Every time I call I get a different answer and am not allowed to speak with anyone in authority. RUN don't walk to a different insurance company.
Posted by I miss BCBS on 2013-05-22:
My husband's employer recently switched us to this horrible excuse of an insurance plan. UHC has by far the worst customer service, automated service and they also mysteriously could not find that we actually had any coverage. The "gentle"man treated me like an imbecile when I explained that this is not Medicaid and we are actually paying for this insurance through his work. He said we were not in the system and therefore do not have coverage. Then he offered to transfer me to the MI Enrolls office. This is a joke! I'm two weeks into a kidney stone that refuses to come out and supposed to have surgery tomorrow but find out that I can't because I'm not even insured!!
Posted by Paul F on 2013-09-11:
Started to go with UHC until they debited my account before my approval of accepting there company as a heath care provider. Beware folks, they will take the money out of your account before your paperwork even shows up in the mail. They do not tell you this up front, then you call there customer service and its like talking with robots. Never ever will I deal with this company, even if hey have the best health care on this planet.
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United Healthcare's Questionable Business Practices
Posted by Amazed415 on 07/01/2010
MINNETONKA, MINNESOTA -- 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?
     
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Posted by Venice09 on 2010-07-01:
I live in New York and when my father became ill, UHC paid for everything, no questions asked. It really helped reduce the stress for my father and myself, as we were already dealing with a lot. That was around ten years ago. I guess things have changed drastically since then. Your experiences with UHC are indeed very sad for you and your patients.
Posted by LenaSunShine on 2010-09-12:
We used to have UHC in AZ where legislators passed a law limiting the amount of time insurance companies could take to reimburse medical providers. We were continually squeezed between UHC and our medical providers, which isn't good medicine! After the law was passed, suddenly payments were going through more smoothly (all states should pass such laws). UHC was slapped with a fine in AZ too. Then we managed to escape them, but now we are stuck with them again via one of their subsidiaries contracted to process our employer self-funded insurance plan. We are again experiencing slow payments.

I noticed when the changes for all insurance companies started, about 8 years ago, and they've only become more predatory and worse about ripping off their members. Now, even employer provided plans exploit us and steal from us, as they seduce employers into signing on to more third-party services, marketed as a gift to employees, oh so helpful, all of which make a profit at our and our employers' expense.
Posted by LenaSunShine on 2010-09-12:
There are two reasons insurance companies have been and are getting away with robbing us and helping to tank our economy in the process: legislators and medical providers let them go unchecked until they became so rich and powerful, creating an entire industry of third-party industries just to pass our money from us to our medical providers, that it is now much more difficult to stop them. Physicians always had more political clout than did consumers and should have refused the invasions of our medical privacy and all that fine print and arm twisting as soon it started, protecting both patients and providers, but they didn't. As long as they were getting paid, they let the insurance companies create misery for patients and didn't start protesting until it became untenable for them too. Legislators bowing to moneyed lobbying interests did not protect us, which is why medical professionals should have banded together and fought back through their own political pressure. It still needs to be done, it is just much harder now than it would have been if it had been nipped in the bud, and many have suffered in the meantime.
Posted by Skye on 2010-09-12:
That is so not true. There are actually doctors out there, who went to school to help others. It's not always about the money for them. In fact, I know two doctors who have gone into private practice, and refuse to deal with insurance any longer. They are sick and tired of insurance companies telling them what they can, and what they cannot do. A person sitting behind a desk is in no position to evaluate someone's medical needs.
Posted by Anonymous on 2010-09-12:
I have to agree with Goduke some doctors Charge you a fortune for a simple procedure and you can't negotiate a lower price with them as what happened when I had my teeth worked on 5 grand for a couple new fillings and a cleaning highway robbery.
Posted by Anonymous on 2010-09-12:
The doctors also have contracted rates with the insurance companies. The insurance company pays much less than what the doctor may charge someone for the service that is paying cash. That's why so many doctors are not accepting medicare patients anymore. So, if your insurance company won't pay for a service, then you can still have the option of paying cash and most doctors will give you a discount for that (of at least 20%).
Posted by Skye on 2010-09-12:
Wally, if you are paying $5000.00 for 2 fillings and a cleaning, I think you better find a new dentist.
Posted by Anonymous on 2010-09-12:
Man, wally, that is highway robbery. As Skye said, find a new dentist. Angie's List has even added a physician's/dentist list. That is a good place to start if you don't know anyone who can recommend one.
Posted by Anonymous on 2010-09-12:
lol I know sky, I'm looking around cause those fillings fell out need someone who won't charge me an arm and a leg this time.

Posted by LenaSunShine on 2010-09-12:
@Skye; You missed my point. I did not refer to individual doctors or why they went into medicine. I referred to the bigger picture of physicians and other medical care providers as a profession. It is their profession and they did and do have more clout than the general public to stand up to insurance companies by organizing to protect both their professions and their patients' rights.

Our medical privacy is Completely gone now, with untold numbers of people with access to it that you and I do not even know exist, and with all of us answering to insurance companies about what medical treatment we can receive. It wasn't like that 15 years ago, but after physicians sided with insurance companies in the 1990s to blow the Clintons' efforts at healthcare reform out of the water, insurance companies took it as a green light for an all out assault in the name of greed. What we have now is the result. Physicians allowed that to happen instead of raising hell when insurance companies first started making moves to come between patients and their medical providers.

As for providers not accepting insurance, I live where many providers refuse to belong to any networks and some refuse to deal with insurance companies at all because there so few of them they don't have to, but that means only those of us with the cash can receive their services. In a system that has become dependent on insurance companies and their feeder industries, not accepting insurance leaves many out completely.

You're absolutely correct about insurance companies inappropriately telling physicians what they can do. My point is, just who has the power to change the status quo we've descended to? The medical providers, that's who, if they will organize and do it. If they did, that would be practicing good medicine because living with the daily stress and fear of illness and injury and fighting ruthless bureaucracies makes Americans physically sick. We need our medical professionals to join together and take medicine back to protect all of us.
Posted by Skye on 2010-09-12:
I did not miss your point. I was making a point about certain doctors I know, that are sick and tired of insurance companies, just like everyone else is sick of them. There is no such thing as medical privacy, and I know how the system works. HIPPA, ha joke, and just about every state now has prescription monitoring systems, so that people cannot doctor shop. They say its for medical reasons, but just ask the DEA who is in bed with insurance companies. I could go on and on, but I won't bore anyone with the details. Hubby's home after a 14 hour day and the twins and me want to hang out with daddy before their bedtime.

Night everyone!
Posted by Anonymous on 2010-09-12:
I truly believe that the doctor's hands are tied when it comes to dealing with the insurance companies. I can't tell you how much money we spent fighting back and forth to get some claims paid. Besides, the doctors are more concerned with medicine (at least the ones I worked for) than fighting the bureauracy.
Posted by Anonymous on 2010-09-12:
I agree Sing, and with this new health care bill the insurance companies are going to get away like bandits you are now forced to sigh up with them and since they can't deny claims for preexisting conditions anymore they will just jack up your premiums till you can't pay em.
Posted by LenaSunShine on 2010-09-13:
@Skye: I'm sorry, I thought you missed my point because you wrote, "That is so not true. There are actually doctors out there, who went to school to help others. It's not always about the money for them." You didn't say specifically what you thought was "so not true," and I did not make any comments about the reason doctors went to school, nor that it was only about money for all of them, it appeared to me that you were not responding to my actual post.

I know what you mean about the lack of privacy, the DEA, and so forth and I am the same: "don't get me started." It is enraging, and it is a colossal waste, interferes with our medical treatment, compromises us, and lines pockets other than medical professionals'.
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Their Golden Rule is to take before giving services
Posted by LuwandaDee on 03/22/2010
This company actually deducts a first-month premium when you submit an application, not upon approval as most companies do.

So, if you're shopping around, beware. You'll be out a few hundred dollars for nothing. And, if you ask to cancel the application, you'll be told that you'll receive a check in approximately 10 business days.

Not a great way to do business. Not an insurance company I want.
     
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Posted by Anonymous on 2010-03-22:
When you submit an application you are doing exactly that: applying for insurance. If you request a 'quote' then you shouldn't have had to give any financial information. A request for a form of payment should have been your first red flag that you were submitting more than a request for a quote. No offense but it sounds like you did not or do not understand the difference between quote (request a price) and apply (request coverage).
Posted by Slimjim on 2010-03-22:
Believe me, they are more reasons not to want United Healthcare Golden Rule as your carrier. One that comes to mind from experience is they don't seem to pay ANYTHING. Horrible coverage we had.
Posted by Anonymous on 2010-03-22:
That is very true, Slim. They've been in hot water with a few DOI's in different states. Hopefully they have taken corrective action.
Posted by FlShopper on 2010-03-22:
My brother took out a policy for himself with Golden Rule. The deductible was rather high, but he figured it was worth it. 2 years later he was diagnosed with stage 4 cancer. The coverage he has with them is awesome and it helped him to know that he didn't have to worry about the costs of treatments while he was going through them. He was able to concentrate on getting well.
Posted by Anonymous on 2010-03-22:
That is good Fls. Glad United is doing well by him.
Posted by Starlord on 2010-03-23:
United Health Care Golden Rule - Them that has the gold makes the rules.
Posted by ok4now on 2010-05-27:
This is a bait & switch company. I was quoted a price when the app was submitted. No health issues. They hit my checking a/c 2 days later for the premium before I was even notified of an approval. Underwriting then jacks up the monthly premium another $50.00 and sends me a letter that they will be taking more money out of my account. WRONG!! I immediately canceled the policy before they whacked me again. Ten days later they refunded the premium. Do NOT do business with these people.
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Make that "NEVERCARE"!
Posted by PCLady on 03/18/2009
APPLE VALLEY, CALIFORNIA -- After being told that my mom who has Alzheimer's would have NO premiums (turned out to be a lie as we got a payment book shortly thereafter) and very low co-payments on her meds, etc., and being promised that this company provided much better hospitalization coverage, I agreed to switch my mom from her previous healthcare. First off, they couldn't get the effective date correct. She signed the paperwork in January 09, and we were told it would be effective March 09. Then the sales representative called me back to say that was a mistake and it would be in effect February 09. Went to get RXs filled in Feb and was told she was still under her old plan, but the co-pays did not match what she had previously been paying. Spent over an hour on the phone with these people, who said her insurance wasn't in effect until March 09. OK, so paid the higher co-pays on her meds.

Waited until March 1 to get an RX filled for her dental appt, and was told it was not covered. Called back to Customer Service on Monday and was told that she was good to go for dentist and RXs (after being switched around the country and talking to at least 6 or 7 reps). My husband called from the dentist's office, livid, because they could not confirm her eligibility. Oh, and on March 1 we were told that her eligibility was to EXPIRE with NEVERCARE on Feb 29, 09 - THERE WAS NO FEB 29, 09! And why would it expire if it is a new account that had never been in effect yet? My husband tried calling and was told that there were multiple computer screens that had different data in them. Also, they lost the power of attorney that we gave them when we applied for this coverage. Had to send it again - who knows if they have it this time or not.

Then, when I went to get another of her meds refilled, I was told that the co-pay was $122.77 - that for a medicine we had only been paying $3.20 on before. So basically, I am convinced that the sales representative knew absolutely nothing about what she was selling or else was just flat out misrepresenting her product. Either way it is inexcusable to treat seniors with limited incomes like this! I have now switched her to CAREMORE (as fast as I could) and am praying that goes smoother, but still have to live the rest of this month with NEVERCARE and am not sure if they will cover anything at all or not. I am pretty sure they have NEVER paid a claim on ANYTHING for ANYONE before - that is how it sounds when I am trying to deal with this company. Thought Secure Horizons had a decent reputation, but I guess not this part of the company!

Terrible! Terrible! Terrible! Oh, and I can't even e-mail customer service via the web site - no e-mail address is listed! They can rot in you-know-where before I pay any premiums on this garbage! Don't believe their lies!

     
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Posted by Anonymous on 2009-03-18:
As terrible as the medical system is in Canada, I'm always grateful for provincial health care, knowing that my health will never be dependent on what an insurance company or HMO deems suitable. I really hope for you and your mother that the new insurance company works out. I imagine it is stressful enough dealing with Alzheimer's without having to worry about whether her medication etc. will be taken care of. Best of luck to you and your mother.
Posted by jenjenn on 2009-03-19:
Premium free insurance? Promised coverage? Did you once ask for a summary plan description? I would want to have the plan info in writing before I signed up for anything.
Posted by MaryBronnimann on 2009-06-05:
When I started having trouble with Secure Horizons, I went back to the policy materials they had sent me to find out what was covered....The material was so vague that they could probably avoid paying almost anything. What scam artists.
Posted by Lisarnccm on 2012-08-03:
CareMore is horrible
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United Healthcare Sucks - Worst Company There Is
Posted by Pppinaz on 08/29/2010
UHC is ridiculous. Does not stand for United HealthCare... more likely Unbelievable Hypocritical CRAP!!!

I am a Breast Cancer survivor and had one type of reconstruction that did not work because of 3rd degree burns from radiation. I am in constant pain, for multiple reasons and there is easily discernible visual deformity... I contacted UHC to locate a DIEP surgeon (this is the only real option if basic expander to implant surgery doesn't work) - someone from their nurse line called me back saying they did not have a specialist after they contacted 15 in-network providers.

Then they told me to file for a Gap Exception for consult - which I did. I located Dr's who do this procedure and gave them all the information as I was instructed to do. They denied the exception for different reasons (let's revisit - same procedure - same need - just different doctors) 1 was denied because they tried to call me 3 times in one day and I did not get back to them that day... (BTW I had told them I would be out of town - and they advised me to call and check the status in 4-5 days) and then one was declined because they said they have in network Dr.'s.. The first name they tried to give me was the doctor that did my original FAILED surgery - so I quickly explained they were wrong he did not do the necessary procedure.. they then sent me a letter with 3 names so I contacted the Dr's they gave me and the staff at each office stated they do not do that type of surgery.

So I sent a letter detailing this to UHC and expressing my concern that whoever is making the decision does not understand the procedure and that not all breast reconstruction after cancer is successful especially when there is damage from radiation. I also sent along a Clinical Gap Exception request (which one of their reps told me is what I needed to do) from my Primary Care Physician.

Still they are ignoring me. I do not understand. I have done everything you have asked. Believe me - I would just have assumed/actually preferred not GETTING Stage 3 Breast Cancer at 43 years of age and needing 2 rounds of Chemotherapy - a double mastectomy - 2 additional surgeries and then daily radiation that caused 3rd degree burns... But it happened. Now it is time for UHC to do what they are supposed to do - provide care.
     
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Posted by Alain on 2010-08-30:
Call your states insurance commission/agency for their advice on how to proceed with this. Also give the American Cancer Society a call at 800-227-2345 to see if the have some ideas since they may have seen this type of situation before.
Posted by Venice09 on 2010-08-30:
This is a good example of what people have against health insurance companies. They are not in the business of health.
Posted by Robin on 2011-05-27:
I have had this poor excuse for insurance since February, I was told that my Dr would take UHC option 1. My dr made a claim and it was denied, it was just a regular office visit. I decided since they would not cover a regular office visit I would cancel this, I tried to cancel but I was always sent to an extension that did not exist. it would just give a busy signal. I tried to call the # on the statement that declined my claim. The same thing happened I got a busy signal. So I called Visa to stop paying UHC, I also told them to do a chargeback for the previous 3 or 4 months. Visa informed me that I was probably going to lose my case. I don't understand why I am not protected by Visa, when it clearly is a case of fraud. They lie to you to get you reeled in, take your money, and don't provide service. I have a very limited income, as I am now disabled, why is it legal for them to take my money and not cover a simple office visit.
Posted by mable on 2012-06-20:
IN MY OPINION THEY ARE THE WORST COMPANY ON THE PLANET, THEY REFUSE TO PAY WHAT THEY ARE SUPPOSED TO EVEN WHEN YOU PROVE TO THEM THAT THEY ARE BY CONTRACT OBLIGATED TO PAY. HAVE BEEN BATTLING THEM FOR TWO YEARS. PEOPLE DIE WAITING FOR THEM TO PAY. STATE AGENCIES NEED TO INVESTIGATE THEIR UNSCRUPULOUS BUINESS PRACTICES.
Posted by Emily Jensen on 2013-12-11:
This is the worst insurance company ever. Even our Mayo Clinic doctors were given the run around until they finally gave up trying to get authorization for services that should have been covered according to our PPO. Many times we would call and just get disconnected. Optumrx is even worse as their new mail order pharmacy. Absolutely terrible customer service. I'm so glad that my husband's company dumped them and went back to Blue Cross Blue Shield. United Healthcare needs to be shut down.
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StarEmpty StarEmpty StarEmpty StarEmpty Star
UHC AND OPTUMRX
Posted by Johiki2 on 11/05/2012
IRVINE, CA, CALIFORNIA -- I CONTACTED OPTUMRX: MY MESSAGE TO THEM WAS THE FOLLOWING
Wondering why it is costing me more money to use mail order for my insulin than it would be if I ordered it from the local pharmacy? Local Pharmacy it cost $30 for one vial of 70/30 and through you folks it costs $41.66 for each vial! It would be cheaper for me to not get it from you folks. Is there anyway we can cancel or send order back?

Their answer was this:
Thank you for your inquiry. Your order for Humalog Mix shipped out on 10/24/12 with an order number of 83323294. The UPS tracking number is 1Z04W515NW44694700.
For safety reasons, once a medication leaves our facility we are unable to accept it back or refund any money. We apologize for any inconvenience this may cause
If you have any further questions, please reply to this message by clicking the reply.
NOTICE MY QUESTION WAS NOT ANSWERED JUST IGNORED.
Many of us cannot just change health INS companies when they control so much! Many of us are on fixed incomes so we are at the mercy of these money grabbers! But one day what goes around will come around I just wish I will be there to see it happen to them!

ACCORDING TO UHC WEBSITE IT STATES THAT USING OPTUMRX IS AND WILL DO THE FOLLOWING: OptumRx is your best choice for a mail order pharmacy because you will be able to receive up to a three-month supply of your prescriptions, convenient home delivery and potential savings. (I ask where is the potential savings?)
I also notice that it states that standard shipping is used: Standard shipping is provided at no charge and there are no additional fees.
(According to Optumrx they charge $75 for shipping my insulin. Where is the savings in that?)

Please realize I just retired and before had UHC but they used Medco Pharmacy. I was only charged $120 for 5 vials of the same insulin for three months. So you see where I am getting screwed.
     
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Posted by David on 2013-12-30:
I have been stuck with UHC for the past three years. Before (on Medco) I was paying $360 every three months on insulin. It is now $4,000 I'm a single parent with 2 kids. Someone is getting rich my friend, unfortunately it surely isn't us.
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Worst Insurance Company Out There
Posted by Cailinhsmom on 09/30/2010
I don't even know where to start!!! I have United Healthcare (NOT by choice, this is the only insurance available through my employer)and I am dumbfounded by the lack of knowledge of their representatives and to their policies. For instance, do you know that you are not allowed to call back any of the employees or the supervisors? I was told today that "we do not give out our numbers". Therefore, when someone attempts to help you with a concern (I say attempt because out of 12 people I spoke with, not one of them has been able to help me with something simple)if you want to follow up with this person, you cannot. YOU ARE NOT ALLOWED. I am filing a complaint as soon as possible. My daughter is allergic to milk protein and one of the benefits that is "covered" is her formula. Well, every single time we call there, we are told something different. I believe that they do this on purpose so that you will give up and not file the claim, therefore saving them money.

I have literally spent the last 2 weeks of my life on about 15 phone calls, spoke with 5 supervisors (all of which is a mute point because they give you the wrong information and then by the time you figure out this information is wrong, you can't call them back because you are not ALLOWED to). Every single time I speak to someone I am told something different. I still don't have the issue resolved. I will tell anyone and everyone I know how awful this company is.

Very Angry Customer and Nurse


     
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Posted by Slimjim on 2010-09-30:
We used them for a year in our company. Worst ever, nothing ever seemed covered. We went back to Humana and for barely a few bucks more, things get paid again.
Posted by Anonymous on 2010-09-30:
No wonder they have enormous profits, they don't pay out claims.
Posted by Do Your Homework Before you Sign Up with United He on 2012-12-26:
Your comment is right on target. I have called customer service over 6 times and received a different answer each time, was put on hold, was not called back, could not speak with a supervisor, was not allowed to contact any of the various departments the different customer service reps. relayed information from, and they refused to put any of the answers in writing. Received so many different answers that next year I will be changing insurance companies during open enrollment. United Health Care is the bottom of the barrel when it comes to customer service.
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Bait And Switch
Posted by Ultrageek on 05/26/2009
COLORADO SPRINGS, COLORADO -- United Healthcare has actually been very good for me. They have always been good when it comes to flexibility in my treatments.

However, after they merged with Pacificare, I have to get EVERYTHING pre-approved. I wanted the convenience of a PPO so that I could keep the same doctors, but now I'm having to justify all of my medications and Pacificare has decided that they know more about what I need than my doctor does.

Just because a particular medication is expensive, Pacificare decides that they don't want to cover it. Anything to pad their bottom line. So, now I have to come up with over $1000 / month for medication that United used to pay for. Pathetic!

     
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Posted by goduke on 2009-05-26:
I don't think having a PPO necessarily means that everything should be pre-approved. It seems in healthcare today, the consumers want to have the doctor be able to prescribe any medicine or procedure and have it covered, all while keeping it to a $20 copay and low insurance rates. It just doesn't work like that. Lots of MD's (not necessarily this one) have been caught just prescribing anything and everything when it wasn't really needed. It's a hard to figure out how to control costs but not lessen the care. Consequently, you see a lot more pre-auths needed for expensive stuff.
Posted by Anonymous on 2009-05-26:
Indeed, we should let paper pushing desk jockeys receiving bonuses for keeping claims down approve medical care and not doctors. Yeah, that makes sense.

In these parts Pacific Care is down right horrible. I hear complaints about them all the time especially about the pre-approval process on the other hand they are the cheapest option offered by my employer. What can you do?

Posted by Starlord on 2009-05-26:
When did you sign up with Pacificare? when I signed up with Secure Horizons, they were with Pacificare,many moons ago. Then the merged with United Health Care, and now have the banner AARP Medicare Complete by Secure Horizons, but is run by United Health. It was terrific in Arizona, but here in Washington, they couldn't find their butts with both hands and a flashlight. If I had what they spent on postage maiing me a number of ID cards that were useless, I could have a nice meal at Shari's.I am on SSDI which is administered by Secure Horizons. When you add all the levels of bureaucracy, it really gets aggravating.
Posted by Anonymous on 2009-05-26:
This isn't bait and switch
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Premiums Are Absolutely Not Competitive
Posted by Smalekman on 11/14/2010
I have had my Medicare Supplement coverage with United Health Care/AARP since I first became eligible for Medicare 4 years ago. I never bothered to check with other insurance companies to compare rates. I mistakenly assumed that AARP would not sell their name to an insurance company that was not competitive. Was I ever wrong!!! I checked around this year because my AARP premium was raised again for 2011 - $181/month. I was able to replace my Plan F coverage with Mutual of Omaha for $105/month - 40% less - $900/year less.
AARP members beware.
     
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Posted by tnchuck100 on 2010-11-14:
I am about to deal with Medicare supplement insurance. I am also a member of AARP. One thing I have discovered in my week of research so far is AARP is nothing more than a marketing tool for United Healthcare, The Hartford and a few others that bought the right to use their logo.

See also my review:
http://www.my3cents.com/showReview.cgi?id=89993
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The Worst Insurance Company-Providers/Insured beware
Posted by HC&WC on 07/20/2009
TENNESSEE -- I am a in network provider for United Healthcare, for now. UHC goes out of their way to avoid payment to providers by demanding clinical notes and records with no reason at all but to put up clerical roadblocks. I received denials asking for the patient notes because "information on the claim submitted is either missing, not ledgible or incorrect". When I called and asked what information is missing or wrong they can not answer. When the reason for requesting the notes for a patient is invalid, why are the notes still required for payment to be made? They also ask for Clinical Submissions to be sent in to ACN Group (owned and operated by United Healthcare) for approval. Sometimes it is required and sometimes not. However on my last 6 UHC patients who did not require Clinical Submission, all of the claims for these patients were denied because clinical submission was required. When I called to find where the problem is, they apologize and state they made a mistake (actually dozens) and resubmit the claims only for me to receive denials again for the same reason. Finally I found that Clinical Submission was required for all 6 patients and now are refusing to pay because of their error. I have many UHC patients that will be effected by me getting out of network but I refuse to continue to do business with such an unethical company and am filing a complaint against UHC with the Insurance commission in Tennessee. I sincerely hope all providers who are in network with UHC does the same if for no other reason but to make them answer for their behavior. PLEASE, if you have an option for which Insurance provider you use, chose ANYONE but United Healthcare. Don't make your Doctor go through what I have. You and your provider deserve better!
     
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