My daughter has seizures, and the original medicine she was prescribed (which UHC covered) caused bad side effects. She would turn into a different person for the first couple hours after taking her medicine. She was almost manic! As the medicine wore off each day she became depressed and mopey. Her school work was also suffering, and the teachers were asking us if there was a problem. She had previously been a good student and all the teachers loved having her in the class. This was at a low dose of the medicine, as the doctors were ramping her up to the normal dose for a child her size.
After discussing with the neurologist, he then prescribed a new medicine. The new medicine was the same as the old, except it was time release. With the new medicine she has gone back to her old self, and doesn't experience wild mood swings. Unfortunately, UHC will not cover the time release medicine. Because the time release medicine contains the same ingredients as the cheaper first medicine, they will only cover that medicine. We have appealed, with doctors and teachers writing letters to describe the side effects of the first medicine. None of this matters to UHC.
We will continue to pay the $650/month for the time release version. We are lucky enough to be able to afford this. However, I feel for those in the same situation who are being denied and can't afford it. We probably would take her off the medicine completely and risk further seizures if it meant going back to the first medicine. Prior to this happening, UHC denied my cholesterol medication. This medication had previously been allowed by Humana before my company switched providers. My specialist told me I was better taking an over the counter version instead of the medication UHC would cover.
However, he recommended I continue to take the non allowed medication. I did continue to take this medication until we had the issue with my daughter not being covered. At that point paying the monthly amounts for both was not an option, so I have discontinued the cholesterol medication. UHC has a well-earned reputation for not covering medical necessities. They offer lower premiums to companies, and then make up the profits by not covering items the doctors feel are important.
ARIZONA -- Prior to retirement I was bombarded weekly by printed material by AARP advertising United Health Care. Since I knew I was moving from TX to AZ at the end of 2015 I signed up with UHC in October so I could start getting coverage from Jan 2016 when I started living in AZ. I contacted UHC and they gave me the name of a GP physician I could see. I saw that person for a diabetic checkup Jan 18, 2016 and was told they did not accept UHC insurance after UHC indicated he did. I incurred a bill of $247.
Month after month I contacted UHC trying to get them to pay the bill only to learn I had NO coverage since Jan 1 due to a mistake the person at UHC made when they completed my enrollment. It was after April before they recognized their error and made my coverage retroactive. In the meantime I settled with Honor Health Scottsdale for $197 and paid it myself given verbal assurances from UHC they would pay.
It is now July 10, 2017 and still no payment! In Nov 2017 my coverage was made retroactive to Jan 1, 2017 and I go back and forth with customer service. First I had to fill out a written claim and send it to one P.O. Box in Utah. I did that--no response. Then someone else at UHC said I had to sent it to a P.O. Box in CA. I did that too--no response and also no way to contact anyone by phone at their claims office. Then I was told I had to contact LifePrint since they paid out claims. I did that and they said, no, they don't do that and I had to contact UHC again. I did that and got a new case ID.
Then they said it was sent to the wrong group. I called again and they said it went to the correct medical group. Now I hear that they need more information. This is totally insane. The company is so big and nobody has the power to resolve claims quickly. After 18 months this has become almost laughable if it was not sad. AARP should drop UHC completely. I am 70 years old and do not know if I will outlive this claim at the rate things are going!
SALT LAKE CITY, UTAH -- If you can find anyone else to get your insurance through, do it! I have them through my workplace and they are TERRIBLE! I have never had an insurance company make you jump through so many hoops to maintain coverage. Every time I turn around I have to verify that I don't have any other insurance coverage. Now I have to send in a marriage certificate, copies of tax forms, "proof of ownership", and birth certificates just to prove to them that I have dependents. What the ** do they think I am paying them for? If I didn't have dependents, I wouldn't be paying their inflated rates!
If you have a claim, then it gets worse. They deny everything and then make you do all the work to try to get them to approve it afterwards. They will never contact you first regarding any information. No wonder they had to refund money because they made too much profit. They make their profit by failing to pay out for coverage you pay them for.
FLORIDA -- I had to changed to my husband's insurance since I retired. I have taken ** for undiagnosed chronic pain. I have pain in my right shoulder, my lower back mainly on the right side and pain in my right ankle. During a trip to Wyoming, I pinched the nerve in my lower left back and had horrible pain shooting down my leg. I have seen two specialists and had three lumbar injections and two nerve procedures where they burn the nerve connections. I take ** and ** for the pain.
Now United Health care is denying my ** because I don't have nerve pain due to injury to spinal cord. Also they state if I can't take a tricyclic antidepressant or ** I am legible for **. Guess what! I can't take either. And I have chronic nerve pain. Go figure.
ATLANTA, GEORGIA -- Last year 2016 they covered my meds. Without notice for 2017 they denied all of it. Then they told me to have Dr's office send them more info on why I needed it. Dr's office did this and after 14 days they still denied me. I asked UHC what they would cover and my doctor changed it for me. They denied what they told me was approved. Went one more round with them on what they would cover. They also denied that one. W/O my medication I started missing a lot of work days to the point my employer terminated me. I am now unemployed. Stay away from this company!
WEST BLOOMFIELD, MICHIGAN -- I had a wisdom tooth that suddenly decided it wanted to come out and was poking through my gums. I looked online at UHC's list of dentists that supposedly carry my plan, and after 11 phone calls, only one actually accepted my insurance, within 30 miles! And that office told me I would have to have an initial consultation first, then they had to send paperwork in for approval, and that could take 10-14 days. And it will be another week before they can get me in for a consultation. So UHC finds it acceptable for you to wait at least two weeks in a good amount of pain, so they can approve a procedure that very obviously needs to be done.
I tried to contact UHC for help. I called at 9 am ET and the message stated that if I need to speak with someone, I should call back during business hours. But you can't find business hours anywhere on the website or on the message. And how is 9 am not during business hours? And this is just for the dentist! I cannot imagine trusting my health care to these people. Pray that you don't have any emergency that they have to take 2 weeks to discuss.
CORPUS CHRISTI, TEXAS -- First when I got approved on May 2016... I needed to get colonoscopy medical supplies... I got them all the way to October 2016! And I would pay a copay. Once November hit they started telling me that they weren't covered in my plan. Mind you I was getting them for May to October. No issues then for November and December. I couldn't get them do. I didn't. Then I needed hearing aids so I went to the ear Dr in November then it started. Dr is wrong. Wrong codes so they ain't covered. It was like that for a month.
Then December 20 insurance company sent a letter was approved. By the time the holidays kicked in the Dr was closed for then a week and another couple of days because of New Year's so I got screwed by this insurance company so I lost out! Cause for 2017 I had to change to a new insurance! It's not fair what these people were 2 months before saying it was out of network when in the beginning you were in network but they were still collecting my premiums! These people are jerks. I wonder how many did they do these to! They should get sued!
EVANSTON, WYOMING -- I am tired of dealing with the people at UMR. I am now receiving checks without EOBs which is fine. I do this with other insurances. But I have spent over 2 hours trying to download the EOBs. They have no record of the claim. So after all this time I have now spoke to 4 different people.
The first person (English was not their first language) would not listen to anything I had to say. He just kept reading from a script. Then he transferred me to the wrong line after holding for 35 minutes, the operator was unable to help me and transferred me again, where I again held for another 40 minutes.
I was finally able to speak with someone and she also could not pull up any information, by claim, check number, or member number. Apparently it is commonplace for them to send out checks with not entering them in the system. I deal with insurance companies all day, everyday, and this is one of the worst companies I have has to deal with. They are right up there with CNIC and IBEW, and EMI. I am tired of insurance companies outsourcing all of their jobs to other countries and having to fight to speak with someone that can understand and listen to what I have to say.
The absolute worst insurance company ever. I signed up with them on marketplace.gov. "ABSOLUTELY" pay for nothing!!! I HAD a $250 deductible and went several $100 the deductible and they said I had not met it. I spent many hours on the phone trying to get reimbursed for the several hundreds they owed me. My husband was in hospital for 4 days, they paid doctors, labs, blood work and physical therapy but refused to pay hospital bill. I got four different letters stating four different reasons why they would not pay.
Every representative tells me different stories. They keep telling me I am not responsible for the bill. They aren't paying, who is gonna pay it. Now I have collectors calling me... Why aren't all of us getting a class action lawsuit??? That is just one of the nightmares I have had with them trying to get claims paid... Do not ever get this horrible insurance, do yourself a favor. Get another healthcare insurance provider.
UnitedHealthcare is the worst insurance I have ever had. They are denying my blood pressure medicine. I then sent an appeal for which they also denied. Telling me what medicine I should take as they obviously know more about my health than my physician. They do not mind signing the $600.00 a month check though.
I am not asking for something frivolous. I am asking for a blood pressure medicine I have been on for 5 years. They are also denied a diabetic medicine a co-worker takes. I will have paid out of pocket $4420 for an insurance that has paid $0.00 in health benefits to me. At this point I am in no benefit from keeping this horrific excuse for a health insurance company.
I do however have some recourse. I am an IT Director. I will make it my mission to post this same response on message boards, blogs, websites anywhere there is public viewing. You are a disgrace. Denying medications that people need to survive to prevent strokes, heart problems, Diabetic coma. I suppose all of these would cost less. Well you would just deny those claims as well.
UnitedHealthcare CEO Stephen Hemsley took home over $66 million in 2014. UnitedHealthcare made $157.1 billion. Yes that is billion. I suppose denying claims and medications are a good business. I am in the process of appealing with the Illinois Department of Insurance. This should give them a little more time to pocket a few more dollars of mine. Mr Hemsley needs a new yacht. I will try and keep from having a stroke as I cannot pay for my medication. Go look at their Facebook page. There are numerous subscribers getting their claims/medications denied.