UMR Health Insurance Consumer Reviews - Page 3

SLC, UTAH -- My doctor now refuses to take UMR due to mishandling of claims. I've been with UMR 1.5 years and have had 2 providers tell me they will only take patient pay and that I will need to ask for reimbursement because they have had so many issues with payment. My current healthcare provider had 3 past due bills as UMR said my visits were not covered. I found that there was a main billing code and a sub billing code, the primary code was rejected and the secondary code was not attempted. I have had medications refused, although I have years of records why I cannot take certain 'cheaper' medications. I am working with several others at my company to pressure our employer to change from UMR. These folks seem to have the mindset of Reject first-no questions asked.

WAUSAU, WISCONSIN -- March 3, 2020

To whom it may concern,

We request immediate payment of the medical claim filed in February 2019. UMR has failed to meet all stated timelines in responding to the claim and the appeal. The UMR attached letter dated February 8, 2019 stated that UMR would respond within 45 days of receipt of the appeal. Since the UMR letter dated February 8, 2019 UMR has not responded one time to the documentation provided. Since February 8, 2019 numerous documents have been faxed to UMR as well as three certified mailings which UMR has failed to respond too. This alone is legal grounds for UMR to provide the payment immediately.

In addition, we have made numerous phone calls to Accolade who in turn has contacted UMR many times. UMR continues to make excuses such as we lost the documents, the documents were separated; the forms were not complete, etc. Each time we spoke with Accolade about the UMR failures we immediately mailed and faxed the required documents once again. The UMR excuses and response time failures are very unprofessional and will be addressed with the state of Florida medical insurance board if payment is not made upon receipt of this letter. Once again all required documentation is attached for payment to be made ASAP. We will be faxing and sending the documentation once again via certified mail.

Thank you,

Geoffrey **
Handle: **
Member ID: **

UT -- Multiple calls has not resulted in reimbursement as allowed by my insurance coverage. The claims process is to purchase prescription glasses, and then submit a receipt for reimbursement of $125. Each time I called, I was told that my purchase is allowed and I should receive a check in the mail. I called a third time and was told that my claim is showing that I purchased sunglasses, which is not allowed. Why did it take me three calls to be told that my claim was denied. Nowhere on my receipt does it say sunglasses. My receipt simply says poly lens, which is a type of material that is thinner and lighter than plastic. Now UMR is telling me to go back to where I purchased my glasses and get a receipt that states they are indeed prescription glasses and resubmit my claim. This is unacceptable.

NEW JERSEY -- To say this insurance company is a total mess would be an understatement. They routinely misprocess claims, fail to pay providers on time, reject claims for covered services, etc. I have to call and spend HOURS on the phone debating what's been paid (or not paid in many cases) on every single medical claim. UMR's customer service reaches an entirely new level of incompetence. More times than I can count, I've received information from one customer service representative that was then contradicted by the next. It is beyond frustrating. I would think twice before accepting a job again from a company whose health insurance provider is UMR.

I recently enrolled in health insurance provided by my job and regret every second of it. I opted for the flex spending account for medical and dependent care. Well they pre-loaded my medical card with funds which is fine. However, they make you put in a claim for how much your daycare expenses are which I can't pay and was given information as if the money would be reimbursed when the claim was submitted with 3-5 business days, but when I called to check with the flex department I was told by Julie that I was in the “red” or “negative” in my flex account for my daycare and I would have to have to wait until my payroll deduction equals the amount of the claim I went through hell to get.

My question is what would be the point of a dependent care flex spending account if there is no way for you to access the money when needed right away. I can't afford daycare at this point in which is why I opted for it and I haven't been able to get anything paid. I've just been given wrong information or information left out by each representative and I cannot opt out for the remainder of the year. This is the worse insurance company I have been with and you all have gravely inconvenienced me in regards to getting daycare for my son.

PO BOX 30541 SALT LAKE CITY, UTAH -- Ins. Coverage changed from anthem Blue Cross blue shield to UMR. Employer changed carriers which we as employees were forced to change as well OR decline health ins coverage. Needless to say my employer as well as 8 of every 10 members regret this change. Benefit/plan enroller very vague when enrolling and have been told 4 different dates that all the copays and deductibles previously paid into under old plan would coincide under UMR.

After being lied to and given 4 different dates it still has not been corrected and this has been since Oct 1st. We are being forced to pay FULL copay and deductibles even though we met our deductibles prior to change at 100%! The cost for member plus spouse almost DOUBLED and the deductibles INCREASED by $2000. In addition to COPAYS!, you are FORCED to use mail order and they DENY everything! 3 of my 4 medication that have been on for 10+ yrs and paid for by BCBS have been denied by UMR TWICE already and have been out of medication for 2 months now.

UMR is only about ONE thing PROFIT for them, they have NO desire, interest or concern in your health just your money. It is SO bad that I am going to cancel insurance And take my chances because why pay them $ 600 A MONTH for insurance YOU CAN NOT USE or HAVE ACCESS to. So beware if your employer offers UMR (UNITED HEALTHCARE) as your insurance carrier. Save your money and stress and DECLINE coverage, I promise you, you will only regret it if you enroll!!!

SALT LAKE CITY, PENNSYLVANIA -- I send my payment every month by overnight carrier with a signature required to prove I sent my payment. UMR is slow in processing the payments and nothing no matter when you send your payment is not posted to your account until the first day of the month. This means any authorization required for the beginning of the next month is not approved until they see the payment post to your account.
I was to have a vascular procedure on the first of the month. Although their accounting department can see the next month's payment the authorization department cannot see it. So now I have to cancel the procedure until another time. Which according to the doctor's office will not be until next year. I have to wait 3 months before I can get on the schedule again.

JERSEY CITY, NEW JERSEY -- UMR is the worst! I have a bike accident. Walk into the emergency room and I give all the accident details to the hospital. UMR calls me a few months later asking for the accident information. I give it to them again over the phone. A couple months later a receive a letter asking for the accident information. I fill out the form completely and mail it in. Now UMR is saying I'm denied because I missed the deadline to submit the claim. What?! So then I fax in my appeal while on the phone with the representative. It's been 3 days and they still haven't received my fax! This is getting super annoying.

MISSOURI -- I can tell this is going to be the worst insurance company I have that with. I am on my husband's insurance plan because I no longer have insurance. I set up an account when I first got the card. When I go to sign in a month later after you've signed in it asks you 2 questions who was your best man at your wedding and what do you like to eat if you can't get those two answers right or if you can't remember an answer if they lock you out and you have to start all over again with a whole other profile. But the problem is you can't use your and name email address or anything because it says it's already been used.

IOWA -- I can't download my Benefit plan document pdfs from their website. All that downloads is the pdf icon- not the actual pdfs. I can't double-click them to view online either. UMR Customer Service is horrible when you call them by phone. You are put on hold for a minimum of 15-20 minutes a shot until you give up and decide to try an hour later - then it happens again. Also, the operators can't seem to transfer you to the correct dept, as you repeatedly wait, get someone to answer briefly and apologize that this is not the correct dept and they have to transfer you again and again. Honestly, this is worse than a government agency.