United Health Care-Golden Rule - Don't Use This Medical Insurance
Health Insurance - Complaint
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.