United Healthcare Complaint - Coordination of Benefits
Resolution Update on 01/29/2009:
UHC paid the claims. I still think this is a terribly ineffecient and wasteful process.
SAN DIEGO, CALIFORNIA -- United Healthcare (UHC) is my insurance provider and they are horrible. Luckily I am also covered under my husbands HMO. We mistakenly believed we were both covered by both the HMO and UHC because they issued cards with our names on them. My husband decided to use our UHC benefits for the first time this October 08 for an ankle issue he was having because the HMO couldn't fit him in for several months and he really wanted to have the surgery and recover before our daughter started crawling. I thought, great we can use our UHC benefits even though we will have to pay more out of pocket. To make a long story short we didn't get the proper authorizations beforehand (I am a neophyte when it comes to Health Insurance having been covered as active duty Navy or under an HMO my entire life), and UHC has denied and continues to deny all the claims. The HMO also denies them since it was not done through them. We have sent UHC everything they've asked for and tried to reason with them. I am now looking at a devastating bill that is 3 times what the UHC website estimated for a minor outpatient surgery. If you have a choice in Health Insurance providers do not choose UHC. I sincerely hope that our government will fix this issue once and for all. It is obvious that the regulations in the health care industry protect the insurance companies and not the consumer.
I am lucky to have health care and be healthy but it doesn't seem right that this inefficient system is allowed to continue. Lets take the profit out of health care and focus on covering everyone.