United Healthcare - Page 2

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73 reviews & complaints.

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Don't Use This Medical Insurance
Posted by on
Rating: 1/51
MARQUETTE, MICHIGAN -- I retired in December 2011. After retiring, I had to pick up my own insurance for my wife, son, and myself. Our premium was $560 per month with a high deductible of $2500. This insurance did not cover anything.

I had hand surgery. The doc schedules me for trigger finger surgery. Two weeks later, I have surgery. I then need therapy on the hand. The therapy was $3000. 3 months after hand surgery, I get a bill from the hospital saying United not covering surgery. I get a $2000 bill. A simple hand surgery cost me $5000 out of pocket plus my premium. I blame the hospital also for getting authorization for surgery, but not checking to see how much the insurance was covering. Only $500 was covered.

My son had a shoulder injury. United covered the MRI, but I got stuck with another $3000 in therapy for my son.

My wife had a bunch of women's testing. We get a bill showing United is covering $9.00, yep, $9.00 out of a $150 charge for a test.

I figured I spent about $6000 in premiums, and about another $10,000 in out of pocket money for things not covered. From what I guess, only about 5% of everything was covered.

I am getting a new insurance plan. This plan really sucks. You could do better putting your premiums in the bank and paying cash for medical cost.

Thank God nothing serious happened to any body in my family while we had this insurance. Golden Rule should be called Golden Shower.

I plan on researching to the penny what I paid and what United Health Care did not pay. It is amazing. Do not use United Health Care Golden Rule.

Marquette Michigan
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User Replies:
Alain on 01/15/2013:
Contact the Michigan Office of Financial & Insurance Regulation consumer hotline at 877-999-6442 and see if they can't give you some assistance in dealing with United Health Care. You may be able to contest their denial of payment.
Vinnie11 on 01/15/2013:
I also have United Healthcare @ $490/mo with a $3500 deductible. I feel your pain. My daughter was in ICU in August and somehow that $3500 deductible resulted in my spending $10k out of pocket. Then I became ill and had surgery and found out the deductible is $3500 INDIVIDUALLY so I had to shake the money tree and come up with some more. Their trick to delay payment is to say that the medical institution sent the claim to the wrong address or whatever and to resubmit dragging the process out for months and toying with my credit. What I REALLY want to know is what the heck is ObamaCare and how does it fix this? If you are not VERY poor, you're just screwed.
Obsfucation on 01/15/2013:
"Golden Rule should be called Golden Shower"

That alone made the review worth reading!

It might be worth pushing back a little and questioning their decisions, and document the reasons they denied payment. Sometimes you get surprised.
Susan on 01/15/2013:
Ultimately it is your responsibility to read and interpret your policy and verify what is covered and at what percent prior to utilization. I'm not saying your insurance isn't expensive and/or doesn't seem to cover much but unfortunately it is paying what you agreed to when you signed up for the policy.
Vinnie11 on 01/16/2013:
It's not that simple, Susan. There are all kinds of nooks and crannies not covered in the plan docs. For example, my mother and I had the EXACT same surgery with the EXACT same doctor. But after mine, they sent to the doc for my records and deemed mine "cosmetic" and not medically necessary and didn't cover it. I had to appeal. I ended up paying for it anyway but as a result of the appeal, it met my deductible for that year. Then you are punished with a rate increase. Individuals aren't protected under the umbrella of guaranteed group rates. They raise our rates and they raise them frequently. If they find out you have a "problem" they don't cancel you, they raise your rate until you can no longer afford it and cancel them. The industry needs regulation and they need it fast.
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I'm honestly scared for people with this provider...
Posted by on
Rating: 1/51

Let me start off with my family history, it's an important part of this story. My mom's mom died when my mom was 13 of a ruptured brain aneurysm. My mom's older sister had 2 ruptured brain aneurysms, the second killed her. Obviously any time my mom would go to a doctor and fill out paper work, that would be brought up.

My mom has had bad migraines her whole life (her sister and mom never had any apart from feeling their ruptures) but the last 7 months she's been having the worst headaches of her life. Any time she would go to her Pacificare assigned doctor, (we're on HMO here) her doctor would tell her it's just bad migraines and probably menopause but would assign pills for migraines and muscle relaxers. 2 weeks ago the pain was so bad my mom went back to her and after she again tried to prescribe more pills my mom demanded an MRI because of her family history in which the doctor replied "Well it's not like they died of migraines." Thank you for your input doctor.

Anyway, we finally get an MRI on a Saturday and as feared there is a substantially large aneurysm that thankfully has not ruptured. The people at the MRI place gave us a CD with her images and told us to go to her doctor on Monday and if you get another bad headache this weekend, go to the ER with said CD.

Monday rolls around, we go to the doctor at 9:00 am, see her relatively quickly and she says we have to go to USC Keck Medical school for an "emergency consultation". She tells us to wait for her call. 4:00 comes around and she finally calls us to tell us OK go they close at 4:30. Well, thanks, Keck is in East L. A. we live on the Westside. On top of that, the paperwork the doctor or Pacificare sent to the people at USC had nothing to do with my moms brain but instead was sent paperwork on a recent mammogram.

In theory a PPO sounds a LOT better but I can't really speak for that because I've been HMO my whole life, but STAY AWAY from HMO at UnitedHealth/Pacificare
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JISCal2 on 08/29/2012:
You are blaming the insurance when you should be holding the doctor accountable. During this time did you or your mom call member services at PacifiCare or United and explain to them the situation and explain to them that you feel the quality of care being provided is inadequate and that your mom's health is being compromised? PacifiCare may have assigned a doctor, but I know from past experience with PacifiCare that your mother is free to select a different provider within the network and the change is usually effective the following month.
clutzycook on 08/30/2012:
I agree with JIS. Have your mom complain to the insurance because it's the doctor who is incompetent. If the insurance refuses to help you, well then you have a valid complaint.
CowboyFan on 08/30/2012:
Anytime you think a situation like this is life and death, you can always pay to have an MRI yourself. Its better to incur the expense, then die waiting.
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Health Care Partners Violated Company Policy Re Second Opinions
Posted by on
Rating: 1/51
CALIFORNIA -- It was the worst experience imaginable. Although Secure Horizons/United Healthcare policy allows a second opinion, my authorizations for a second opinion with an in-network provider were repeatedly denied by Health Care Partners, who were apparently connected with them. I had a cancer diagnosis & wanted to see another in-network doctor for another opinion. It was only when the case was scheduled to go before an Administrative Law Judge that they relented. They did everything they could to make it difficult for the second doctor, such as refusing to turn over results from previous tests. After a great deal of difficulty (& after almost two months,)I was allowed to be operated on by the second doctor. As soon as the new enrollment period came up I enrolled with another company.
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Alain on 05/14/2012:
It looks like Secure Horizons/United Healthcare/Healthcare Partners did everything they could not to honor your policy. I'm glad to see you took the time to fight them and win. Hopefully, your new company will serve you properly. Thank you for letting other consumers know that this company may be untrustworthy. Best wishes for your recovery!
Ginny Thomas on 10/12/2013:
They have been bought out by another company but will probably continue the same policies. They generally go with the doctor that will cost them less money. For instance, if one doctor's policy is not to give radiation after cancer surgery unless cancer is found in the lymph nodes, and another doctor gives both radiation and chemo whether or not cancer has spread to the nodes - Guess what, they will go with the first doctor. It's cheaper. They are more concerned with making a profit than what is best for the patient.
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Not Covered
Posted on
INDIANAPOLIS, INDIANA -- When my employer signed with UHC everything seemed to be fine. As time passed we found that UHC is very difficult to deal with. After a month they told several of the employees they would only cover certain prescriptions through the mail order service. I myself have been taking a name brand medication since 1980. The past insurance companies we have been with covered this script no problem. Well UHC won't cover it. They say I must take the generic brand which causes frequent stomach distress.

By the way did I say this medication is an anticonvulsant for seizures? No way I can stop taking the medication. Everyone I spoke with at UHC said they do care, but I somehow don't believe any of their scripted responses. This insurance company is the worst I have had. It horrible that they charge so much, deny so much, they tell you what they won't do and on top of that they transfer you from one "Peggy" to another. This company and their people are impossible to deal with.
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Anonymous on 01/19/2012:
It will create more work for you, which is unfortunate but you may want to ask your doctor to submit for a prior authorization. If the authorization is not approved, then go for the appeals process. There are stringent guidelines that an appeal must follow. Good luck to you and please come back and let us know how things worked out.
clutzycook on 01/19/2012:
Requiring mail order service for "maintenance" medications is not unusual. My job required this for several years. But so many people raised a stink that they repealed it this year. I used it once, but then Hubby and I decided to give Baby Clutzy a little brother or sister, so I stopped needing the medication I was taking. :)
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United Healthcare/Medco
Posted by on
I have had United Healthcare for over 10 years now. just a few years ago they made it mandatory for long term meds to go through Medco (90 day supply).. which worked OK- until this week..

I have been taking ZOLOFT and I need to take name brand cause I am allergic to the generic brand--I always paid $60.00 for 90 day supply.. all of the sudden I called to refill the med and they quoted me a price of $616.73 .. they said United Healthcare could change their rates at anytime...this is a medication that I need to take on a daily basis...

Also, Crestor which does not have a generic brand--I used to pay $40.00 for 90 day supply--now they quoted me $180.00... I had the lady price all my medications... even the generic meds went up in price..

I normally would pay around $300-$400 for my medication every 90 days...
She priced out all the medications that I normally get every 90 days with a price of $1250.00
what is going on here? I called benefits at the company I work for and they are supposedly working on it... I guess I won't get an answer till Tuesday since its a holiday weekend...
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laura_the_explorer on 05/27/2011:
The price of everything has gone up: meds, premiums, copays. Seems to be the trend in healthcare these days
trmn8r on 05/27/2011:
Absolutely correct. Your company is looking into it and you won't get an answer untuil Tuesday.

I had a similar problem myself today - called a company for help at 4:20, and they had left for the holiday weekend even though they are open until 5pm.

My guess is that this will be worked out in your favor once the two sides talk.
Kathy on 06/15/2011:
Republicans don't care and will let the ins co's do whatever they want. Obama made them take my daughter with asthma. Our ins in this country is atrocious
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United Healthcare Denies Much Needed Medication
Posted by on
I no longer find it shocking the lengths insurance companies will go to deny claims, I find it numbing.

Today Mike was denied his appeal for double dose Cimzia from United Health Care. The reasoning, 'medication is used at a dosage determined by us to be experimental, investigational, or unproven.' hmmmm If we do not experiment, investigate and try to prove then we become less than sloths in our society.

The case was determined by a pharmacist for the insurance company instead of a Licensed MD.

The letter was written to Mike with a tone implying he himself had decide to up the dosage of his meds. Not mentioning the Specialists whom have requested the dosage increase. They did c. c. the Miami Specialist.

Mike lives his life in a Crohns Flare regardless what meds he is on. He is on the toilet more times before 8 am then some of us go in a week. That is just the first round of the day. He is a sick man who constantly has to fight the system because of his illnesses. Which of course makes his over all health worse.

I am disgusted in our system. It sickens me that our government lets sick people go without medications, procedures, and funds at the hands of the insurance giants that rule the lives of unhealthy people paying them a monthly premium.

We have been left with our hands tied because of ERISA. Our government refusing to change these laws proves even more the stronghold insurance companies have over them.

So, here we are again. Another insurance company that we are paying controlling Mikes health, or lack of. Luckily he has a great staff (yeah staff, that is what it takes to try to control his illnesses) scrambling around trying to find a medication so he won't die. That is not drama, that is the truth, just ask Dr. Trope. He is from South Africa and still cannot fathom how when he writes a script it is not honored. Or ask Dr. Kermen down in Miami. He has his staff trying to find an alternate for Mike. Or you can ask Dr. Mackie, she is meeting us on Tuesday, trying to find Mike something to not let him fall into a depression. Or ask any one of the nurses who have been so kind to Mike. They all say our insurance system sucks.
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azRider on 05/20/2011:
So they are not saying you can't have it, just that they are not going to pay for it. you should still have the option to buy the drug without insurance. no? I mean my health plan can say they are not going to pay for my medicine, but I still have the script from the doctor, I can just go to Walgreens and get it filled. I may have to pay $120 instead of $20, but its my choice to do that if I wish and Walgreens is more than happy to take my money for it. I'm sure the same applies here, unless the drug is a experimental drug you can only get from the supplier. in which case I understand the ruling since the company does not want to be an accessory to a case that could show the drug had some bad side effect and then a class action followed. but if its a normal drug, you can get at any drug store, then you have the option to just buy it without insurance. if you have a host of doctors that say its not wrong to use a dose higher, and they are willing to testify to that, you may have a case to recover the money you spend for it out of pocket in a lawsuit against the health provider. so you need to look at your options, get the drug then look at recovery.
PepperElf on 05/20/2011:
Sophia Marie on 05/20/2011:
Common sense reply, azRider. And I just check - CIMZIA is a FDA approved drug but insurance companies will still put a cap on how much they will cover. I agree - - if it makes a major difference in your life and a doctor approves it pay for the extra doses yourself.
BEJ on 05/20/2011:
You have some options. You need to file an appeal with the insurance company. Have the physician of record write an appeal letter to send in to the company. Include the reasons for the increased dosage, other drugs that have been used and failed. Another option is to appeal to the drug company. If paying out of pocket for the medication is to costly for your budget, check to see if the manufacturer has help available. Some drug companies provide this assistance for costly drugs and for patients who have a financial hardship.
kimberlie on 05/20/2011:
Cimzia runs $7000.00 a month. Out of pocket is not an option. We simply cannot afford it. Mike has had several specialist for several years fight to get this approved. UHC did approve for one month then took it away.

We did file an appeal. We were denied for the reasons in my post.

In the meantime, like I said, the doctors are looking for a new med that will help Mike with his illnesses that will not put us on the streets.

This is not a typical situation. Mike has exhausted all other options for medications for his Crohns Disease. I think it is important to remember we pay good money for insurance. When a Dr. writes a script, an ailing patient believes it should be honored. So does his Dr..

The point I was trying to make in this post is that United Health Care is deciding what will be beneficial to Mike without reviewing his medical history. Without listening to numerous specialists.

I know what our options are, but why are you not looking at the fact of what the insurance companies responsibilities are?
jktshff1 on 05/20/2011:
Interesting observation. On a medication that is $10.00 co-pay. Without using insurance, the price is $8.69. It's a racket.
kimberlie on 05/20/2011:
Really jktshff1? Do share where you found this wonderful information. How do take it? Please share this knowledge with me. How do you obtain said drug for $8.69????
Venice09 on 05/20/2011:
Kimberlie, I basically agree with your way of thinking on this issue. I also agree with jkt because I have experienced it myself. It is sometimes cheaper not to use insurance with certain prescriptions. Our pharmacist usually brings it to our attention.
kimberlie on 05/20/2011:
I agree with that also Venice09. But Cimzia IS $3500 a box cash and Mike needs 2 a month. Believe me, we have researched. Mike is also on Methotrexate and it is less expensive for us to pay for it cash.
Venice09 on 05/20/2011:
Kimberlie, I am not talking about astronomical costs like Mike's. I don't know many people who can just pay out of pocket in addition to insurance premiums. I just wanted to point out that it actually is sometimes cheaper not to use insurance, but on a much smaller scale.
Starlord on 05/20/2011:
In Washington, I can buy insulin over the counter for $24.88 per vial. If I go through my insurance, the co-pay is $32.50. My syringes run me $12.48 per 100, unless I put it through insurance, and my co-pay is again, $32.50. Makes no sense at all, but that's how it's set up.
kimberlie on 05/20/2011:
I agree with you 100%
Starlord on 05/20/2011:
I could not edit my comment, but peoiple keep saying Medicare is supposed to pay for ALL diabetes related things. Well, they don't.
kimberlie on 05/20/2011:
I agree with both of you.
kimberlie on 05/20/2011:
Mike will be on Medicare soon. I have heard that you have to be real careful with the prescription plan you pick with them. This is a huge concern of ours Starlord.
jktshff1 on 05/20/2011:
Kimberlie, talk with your pharmacist and explain that you would like the price without insurance and shop the price.
Mrs. V on 05/20/2011:
I was on 6-MP before the Cimza. My doctor said that if the Cimza didn't work fully, he would try:

Cimza 1 inject every 2 weeks
6-MP at a maintenance dose
Corticosteroids for flairs

I know what it's like living with Crohn's. I also know what it's like having United Health Care as my insurance. Both suck big time.

Good luck and my best to you both.
Mrs. V on 05/20/2011:
Also, make sure that you get in touch with Cimza and ask for any info they have on the does that the doctor is requesting. If they have case studies using this dose, it may help with a 2nd appeal.
kimberlie on 05/21/2011:
I just wanted to add one more thing. Cimzia is not a drug you get at your local pharmacy. It is a drug from a specialty pharmacy through ones insurance company that gets shipped to your house in a cooler. Walgreens, CVS, etc do not carry it.
Anonymous on 05/21/2011:
Have you tried getting help from you State's Insurance commissioner and State and Federal politicians? Sometimes the squeaky wheel gets the grease.
kimberlie on 05/21/2011:
Thanks Mrs. V. Mike has been on the same inject 1 every 2 weeks with methotrexate injections weekly. Unfortunately he has developed an allergy to the roids. They are trying to get him on Ustekimab (Stelera). It is still in trials for Crohns but we have heard good things from his former GI who is out of state. That is a great point contacting Cimzia. Thanks again.
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Has to be the most deceptive company ever!!!
Posted by on
Only way to describe the service of this company is, they SUCK!! Take your money and pay nothing. If it were not my only option from my company it surely would not be happening. They are totally deceitful and one person to the next that you talk to answer your question differently all the time.

Something definitely wrong when you call and ask if a colonospcopy is a cover procedure and the representative says yes it shows it is a routine preventative procedure and is covered %100 per your coverage. So you have it done and the find a few polyps and remove them. Couple weeks later here is a bill for $4700!!!!!!!!!! NOW the insurance company says, well, being as you had polyps that changes the procedure to a "medical" diagnosis and you pay the whole wad yourself.. KISS MY %$$!!!!

They do not want to prevent cancer??? That would cost them a BUNDLE if that came to the forefront??? They are TOTALLY out of control and need to be investigated for deception and fraud!!!!

STAY AWAY from this company at ALL costs if at all possible!!!!
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Anonymous on 05/12/2011:
This is a complaint I hear everyday at my job. A routine colonoscopy is 100% covered. If they find something, like a polyp, then it's no longer routine. I don't get why people have a hard time understanding that.
trmn8r on 05/12/2011:
IMO, the routine exam should be covered.

However, if they find something, and additional tests and procedures are required, those are billed separately and covered as dictated by the plan.
LauraW on 05/12/2011:
So UHC is, in reality, discouraging people from getting colonoscopies, since there is no way of predicting whether one has polyps. If one doesn't have several thousand to pay for polyp removal, that would deter them from getting a colonoscopy.
trmn8r on 05/12/2011:
LauraW - Perhaps. I think the assumption is that if there is a problem, all patients would want to resolve it. Would a person want to walk around knowing that they have polyps?

I think my brother told me he found out routine colonoscopies aren't effective. He mentioned that one test is. I wrote this stuff down and misplaced it!!!
yoke on 05/12/2011:
So in other words the colonoscopy is covered but the removal of the polyps are not. That would be like saying a blood test to find out if you are pregnant is covered, but the delivery is not since you were pregnant when you came into the office.
Anonymous on 05/12/2011:
Depending on what their insurance coverage is, the removal of polyps should be covered under surgery benefits
Anonymous on 05/12/2011:
I have recently read that most of the insurance companies do this when it comes to colonoscopies. As shorty said, it should be covered by another portion of your insurance coverage and I would definitely apeal their denial. I know that in my coverage it clearly states that the colonscopy will not be paid in full if other medical issues present themselves. Makes no sense whatsoever.

The article I read said that it's a "glitch" in the insurance companies systems. Uh huh. They went on to say that if you appeal the decision, they will look into it and pay whatever your coverage is for surgery--80%, 90%, 100%. I hope you get this resolved to your satisfaction. The insurance companies are resorting to some slippery slopes of coverage and you have to practically question every single claim.
Anonymous on 05/12/2011:
I would suggest the OP call their insurance and see if the claim can be sent back for review. If they STILL deny it, then file an appeal. An appeal will take longer than a review. United porobaly still won't cover it at 100%, but they should cover a certain percentage
yoke on 05/12/2011:
Sometimes insurance companies are crazy. When I had my daughter we had Tricare. Had the blood test done at NAVCARE and then went to doctors office with the referral I got from them. They got the authoirzation (or they thought). About a month later I got a bill from the hospital for my daughter. Called them and asked why she was not part of the OB authorization the doctor and hospital got from Tricare. I was told that since it was preexisting I needed to get another authorization to deliver her. My doctors office laughed when I told them, they took care of it. Would the insurance company in the OP's case rather the OP go back for another procedure to have the polyps removed at a greater expense to them. Common sense insurance companies, common sense.
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Deceitful Practices
Posted by on
SALT LAKE CITY, UTAH -- My doctor office called to see if a procedure was covered by United Healthcare. United Healthcare stated I only need to pay my $20 copay which was great as I am in financial hardship along with the rest of the world. I even asked the doctors office again when I went for my appt. if I only owed the $20 and said yes per United Healthcare. I would NEVER of had the procedure done if I needed to pay more. I don't put myself into matters I can't pay for. I have my pride.

I get the procedure done and then get a bill for my deductible. I just about die when I opened the bill. How can this be I was reassured I only need to pay the $20 copay. Do you see something the matter with this situation? Then they try to tell me it was surgery. Surgery, a shot in the arm, implant placed by needle in arm, surgery are they on drugs? 15 minutes in the doctors office and they say I had surgery.

I can't believe that they can get away with being deceitful and rape people of their money. Doctors called, I double and triple checked that I only needed to pay the $20 and again told yes. I am so sick over this as I have to pick paying mortgage, gas to get to work and food. When the heck is something going to be done about dishonest practices such as this? I will never recommend United Healthcare to anyone.
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dan gordon on 03/23/2011:
I don't think you can blame United. The way the dr turned in the bill and the coding they used makes all the difference. If I had a cold and wanted a checkup if they billed insurance as an office call I'd have to pay, but if it was billed as preventative then it would be covered. Blame the whole screwed up medical billing profession but I think the insurance is the least of the issue.
tnchuck100 on 03/23/2011:
dan is right. I have had the same thing happen to me. The only way to resolve it is to keep telling the doctor that insurance WILL pay it if it is coded properly. Remain polite, but firm in the fact you will not pay your portion until the insurance has paid their part. In my case it took six months of hassles and finger pointing between the doctor and UHC. When the doctor (really the billing department) finally came to the realization that I would NOT pay until they got their act together and the insurance paid their part. THEN I paid my part.

Sometimes it takes plain doggedness to make the system work.
clutzycook on 03/23/2011:
I'm with dan and chuck. It sounds like a coding issue. You can request an itemized and coded copy of your bill so you can scrutinize it and see if there's something there that might not be. Question everything and get everything in writing is what I always say.
BEJ on 03/23/2011:
Call both United and your Doctor's office. More than likely it is a coding issue and the doctor needs to resubmit with the corrected code. At the outset, the doctor's office should have gotten an approval code for the requested procedure.
Anonymous on 03/23/2011:
Any procedure done at the Dr's office will be listed as surgery, no matter what it is. Doesn't mean you had surgery, that's just the category used. Check your benfits brochure to see if the deductible applies to injections done in the dr's office.
saj80 on 03/23/2011:
When I go to the doctor for a procedure, I pay my copay at time of the visit, and it is not uncommon for the remaining cost to be applied to my annual deductible. While this may be a coding issue, it could also be miscommunication between United Health, your doctor, and you. You may have been told that you needed to only pay the $20 charge, but that may have only been to get in for the procedure. Your doctor was probably told the procedure was covered, and his only obligation at that time was to collect the copay, assuming you knew that any additional charges would be subject to your coverage and deductible.
momsey on 03/23/2011:
I agree with the others who say that it's a coding issue and before you start complaining about United, you should speak to your doctor's billing office. They are the ones who verified your benefits and presumably they gave the correct information at the time they were verifying benefits. The onus should be on them to figure out why what they told you turned out to be untrue.
Anonymous on 03/23/2011:
I recently appealed my insurance company's denial. My benefits state that my doctor visit is a $25 copay. When the insurance company processed the claim, they said they applied it to my deductible. They were wrong and reimbursed the doctor's office for the balance THEY were supposed to pay.

I also used to check patient benefits for the neurology clinic I worked for. I could call 3 different times, ask the same questions and get 3 different answers. I always encouraged the patient's to call and also check their benefits too. I knew exactly what to ask the insurance company's though, and oftentimes the patient didn't. The insurance company's are tricky in that way. My guess is that the doctor's visit was a co-pay, but the procedure was part of the deductible which hadn't yet been satisfied.

My suggestion to you is to appeal the insurance company's decision. It is definitely not the fault of the doctor's office. They check your benefits as a courtesy to you. Every single insurance company I dealt with occasionally gave incorrect information or forgot to tell you how much of a deductible the patient had to satisfy. Sometimes I would be told there was no deductible, when in fact there was.
Anonymous on 03/23/2011:
It's not a coding error. The OP is just not aware of their benefits. Any procedures done during an office visit will most likely go to the patient's deductible.
trmn8r on 03/23/2011:
I don't believe "deceit" or "dishonesty" is at the root of this problem. I think it is a miscommunication. It sounds to me like you would have only been responsible for the copay if your deductible was already met.
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Worst Insurance Company Out There
Posted by on
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 moot 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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Slimjim on 09/30/2010:
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.
Anonymous on 09/30/2010:
No wonder they have enormous profits, they don't pay out claims.
Do Your Homework Before you Sign Up with United He on 12/26/2012:
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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United Healthcare is a NIGHTMARE to be insured with
Posted by on
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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trp2hevn on 09/21/2010:
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.
Mrs. V on 09/21/2010:
I've had UHC for about 10 years without problem, but mine is through my husbands job (federal).
trp2hevn on 09/21/2010:
I wonder if they treat claims differently depending on if it is an individual plan vs an employer based plan.
Anonymous on 09/21/2010:
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!
United Health Care STINKS on 12/26/2012:
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.
I miss BCBS on 05/22/2013:
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!!
Paul F on 09/11/2013:
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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