United HealthCare Services

UHC will not insure you if you have pre existing conditions

https://www.gofundme.com/fighting-the-bulies-at-uhc?sharetype=teams&member=87882&rcid=r01-152407620391-f82b32f22b814606&pc=ot_co_campmgmt_w

My Medicare Advantage Insurance is supposed to provide vision coverage. I attended a meeting at the clinic (Sansum) around which the plan was organized. I was told that Sansum Clinic was the ONLY provider of vision coverage for the plan. When /i went to Sansum for a vision checkup, I was told after the visit that they would not accept my insurance and billed me for the entire amount. United Health Care told me "Tough luck, you aren't covered"

UHC changed my plan. When I went to get my Rx was told it wasn't on the plan now. Had to have doctor file an appeal., Which I did. Although talking to insurance companies is not the doctors job. He wrote the Rx that is what I should get. It shouldn't be the insurance companies decision to decide what medication a patient needs. I am so annoyed and frustrated. with United Health Care. I don't know what they expect a patient to do while they are deciding if I need the medication,

United Healthcare is denying my visit to an orthopedic for a shoulder injury.

- I had insurance with Blue Cross until Nov-2008.
- I took a new job and started coverage with United in Nov-2008.
- I injured my shoulder in Feb-2009 and visited the doctor in Mar-2009.
- I was told United denied my claim because it was a pre-existing condition.
- The doctor's office told me they did not tell the United that it was a pre-existing condition. It appears that United marked it as a pre-existing condition because of the type of injury it was - Rotator cuff.
- I supplied proof of my previous coverage to United.
- They have since sent my doctor a letter saying they are denying my coverage.

Any advice on my next steps would be appreciated. The bill is only a few hundred dollars but I want to fight this on principal.

I have been having headaches and neck and back pain and right arm numbness constantly for the past three months. I live in Oklahoma and have Choice Plus Network. I was referred to the neurologist by my PCP who had me do an MRI without contrast. The MRI showed I have either a Nerve Sheath Tumor or a Perineural Cyst on the nerve in my spinal cord in my neck and some bone marrow changes on my spine. It recommends follow up with and MRI with contrast, but insurance has denied it. My doctor appealed and it was denied again. I called and they said they never got any information. I called my doctor's office and she gave me the dates she sent the reports and who she talked to and the reference number. I called UHC back and after a long time on hold they finally told me it was denied because it didn't show I had been on pain medicine for at least 6 weeks and/or physical therapy, weakness or loss of function or plans for surgery. I have been taking over the counter pain medicine and most days I am having to lay down. The neurologist said there was a possibility it could be malignant. Now I am waiting to consult with a neurosurgeon who will then try to request the MRI again! I have two young children and take very good care of myself and my family and don't want to wait until it is worse!

My Father is in a skilled nursing home with a terminal disease. He has coverage under UHC through his pension plan which is suppose to cover this. He also has extended coverage with them. They have refused to pay! Each month it is a different excuse of additional paperwork they require. We have been paying out of pocket for the past 6 months. What can we do about this?

I was actually told I had to travel 125 miles to have an MRI for lower back--it was in the winter and over the mountain pass. After they sent me fro Bend to Eugene when the billing came in they tried to deny it. They will do anything possible to deny a claim so they don't have to pay for 4 to 6 months. They have never paid my chiropractor even as an out of network and they claim I have Medicare coverage which I only have hospital part A and they treat the doctors and clinics under the same guidelines.

1. You can appeal the decision. Everyone has a right to appeal. Get your doctor to write a letter to include in your appeal.

2. Visit this website to get info on how to write an effective appeal letter: http://www.advocacyforpatients.org

3. If you need help going to bat with your insurance company contact the people at that website - and they should help you free of charge.

4. Contact your state's insurance regulatory agency, which should be listed in your phone books' blue pages. Your doctor's office should know how to get in touch with them. Send them all the info you included in the appeal.

5. Contact your local Better Business Bureau office by letter explaining this situation. Include your appeal letter.

6. Contact your state's attorney general's office. Send them the appeal letter.

7. Important... because health care insurance reform is a hot federal issue right now, you should contact your federal representatives (senators/congressmen) and tell them about this. They are working on federal legislation right now, and hearing from people who've been screwed and defrauded by insurance companies who cheat people by denying claims for nebulous reasons will help them to better understand what we have to go through at the mercy of these greedy insurance companies.

This is fairly common... Insurance companies will use any lies or weak arguments to get out of paying claims. They'll lie and say a provider is no longer in their network... They'll say that something was pre-existing when it wasn't... They'll say a treatment, visit or procedure was not pre-authorized, when they didn't tell the provider of any such requirement when they called to verify coverage - or if pre-authorization was obtained, the insurer will lie and say it wasn't... and there is no limit to the other lies and inconsistencies they'll grasp for in an effort to screw policyholders over.

Please fight this. It may just be a few hundred dollars to you, but they're getting away with doing this to millions of people. If just 50% of policyholders give up and move on without taking action, just think of the money they're making, hand over fist, through BAD FAITH PRACTICES. This is ill-gotten gain; fraud.

Please pursue this with the agencies that I listed above and be sure to keep a copy of any correspondence you send, keep a copy of anything you receive - and document the dates/times of all phone conversations - along with the employee name. If you can, record the conversations. You'd be surprised how handy this can be! They'll tell you one thing during one call, and then tell you something totally different the next conversation! They'll lie and say that a certain conversation never took place.

It's a shame that we have to push for our rights, but the fact is - we do. They profit from people just giving up and not pursuing their right to appeal. You can continue appealing indefinitely; just keep copies of everything you send and don't rely on just phone conversations. Also, send everything either by U.S. Certified Mail Return Receipt or overnight mail so you'll have a signature confirmation of delivery.

Fight it! Don't give up!

principle!

You should call the Customer Service and ask for a copy of the Evidence of Benefits (EOB) for each of these claims. It will explain what the billed amount was, what the insurance company paid, and what you're responsible for.

They have dragged out approval of a drug I am on for weeks and weeks, only to FINALLY approve it, after over a month late. My new insurance company pre-approved the same drug such that all I have to do is answer the phone when the pharmacy is preparing to send it out. A WORLD of difference. Stay far away from United Healthcare!

10/23/2008

Even though they deny claims and make claims a paperwork nightmare for physicians, they turn around and WASTE $55 million on quarterly statements.

Recently implemented, United so-called Healthcare sends out a quarterly statement identifying health benefit plan activity. With about 20, 000, 000 subscribers, 4 times a year, and let say the minimum postage was the same as mine (34.6¢) the postage cost alone is $27, 680, 000. The paper, the envelope and the processing have to cost about the same. We’re looking at $55 Million wasted—not to mention the trees—for something of little value which could be sent over the internet IF the individual wanted it. THIS DOES NOT LOWER HEALTHCARE COSTS. Reminds me of their former CEO’s $124, 800, 000 one-year salary and $1.6 BILLION in stock options over 8 yrs.

To add to the waste on these statements, even if the subscriber is the only member, they list the member every time. For any Type if Service that’s Pharmacy the Provider is always “suppressed for member’s privacy.” The amount of unused space is amazing, the statements could be reorganized to take up much less paper. I complained and ask to opt out and the rep said I couldn’t. I asked to speak to a supervisor. The rep said that her supervisor would tell me the same thing. The supervisor said they were wrong—that I could opt out. He took care of it.

I’m sick of having to opt out of everything. UHC — do it right. Get rid of the waste and ask people if they want to opt in and if they want it electronically. And not where you have to sign in and verify who you are. Send it directly to the subscriber’s e-mail address as a PDF. If you cared about costs, you could send me a postcard ONE TIME offering me options and whether I even want the statement (which I don’t).

I was told by my rep to direct my complaints to UHC at 9900 Brenstreet Rd, Minnetonka, MN 55343. From what I have been able to ascertain the correct address to UHC would be 9900 Bren Rd E Ste 300W, Hopkins MN 55343, phone [protected].

I directed my letter after I initially posted this to Midwest CEO Kathryn Sullivan at UHC at that address. We’ll see what happens.

You want to call Ms. Sullivan, too? Call the same number and ask for Veronica Sanders, her assistant.

If you have coverage thru your employer, it is YOUR employer that chooses YOUR benefits, NOT UHC.

UHC is absolutely the worst "insurance" company I have ever dealt with!

They refuse to pay anything - they apply everything to a never-ending deductible and then they start pegging everything as a pre-existing claim.

They send out form after form, yet never seem to process the forms - they accuse doctors of lying and always say that the whole issue will be resolved in "24-48 hours."

They steal your payroll deductions and, in the end, you pay for everything 100% out of pocket!

Supposedly, someone is supposed to be monitoring them until 2010 because of issues such as these for the past FOUR years - where is the monitoring?

You are better off having NO insurance than paying UHC for pretend insurance!

They are AWFUL!

I have five more months before I can switch carriers - five months too long and thousands of dollars later I hope to be away from this nonsense!

Medco is "operated" by United Healthcare which also operates Prescription Solutions. United pipelines business to Medco while receiving a fee for services. The "operational separation" provides United immunity from decisions that Medco makes. Medco was owned by Merck until spun off as a close but independent IPO (Wells Fargo managed the transistion) where both companies could grow and prosper via their own strategies. It was either that or the kitchen was gonna burn down for all the greed and oil.

@elbanano J D Powers research now shows UHC with low satisfaction
http://www.jdpower.com/healthcare/ratings/member-health-plan-ratings/ohio/sortcolumn-/page-/#page-anchor

I do not know about being in cahoots but I am absolutely pissed. I have had United Healthcare for the last several years. I currently have united healthcare through resources at my wife's company (this started 1/3/11). The previous policy overlapped 2 months. I have been on several medication for quite sometime. One medication is androgel. Now I am out and waiting till they decide to preauthorize the medication.

Why am I so irritated about this?
1) I am tired of seeing and hearing about red tape, government intervention into medicine (Canadian government ordering infant off life support as an example), and non medical or at least non practicing company teams/units who second guess certified medical professional's lawfully written prescriptions, delay the lawful dispensing of medicine, and often 'cause' a longer duration of afflictions and their effects.

2) Aspects of low serum testosterone levels which I get to play around with
Behavioral: Decreased assertiveness/increased submissiveness; Decreased stress tolerance; Irritability; Depression or lowered mood; Anxiety;
Metabolic: Mild anemia; Headaches; Reduced muscle volume and strength; Reduced general vigor and hardiness

Medco Is not Owned by UHC or UHG...UHG Has their own PBM and its Prescription Solutions try them they are ranked # 1 highest in costumer satisfaction By J.D Power and Associates 3 years in a row

I just got off the phone after spending nearly 5 hours on the phone with these Medco clowns, they are the absolute most inept pharmacy in America. The problem is, nobody in their organization has clue that they are talking about, they constantly give you the wrong answer and when I ask to talk to a supervisor, they get upset and say they will tell me the same thing. Well I talk to a supervisor and I get an answer that is 180 degrees than what the subordinate told me. There folks can't read the computer screens, they are constantly looking and giving different answers. I don't think this is the intentional, but more so poorly managed from the top down. If anyone has a problem with these folks, please go straight to yoru State's Department of Insurance and file a complaint. Many states have this online, they do here in California and it took me about 10 minutes at the most to complete and submit the form. This is this will have impact on this lazy executive who not only do a disservice to United Healthcare clients, but they are flippinig of their own stockholders as well.

Medco makes it 's own rules I send in a script for previcid and they send me some BS generic type that don't work for me and they knew this from the past, then tell me it's my problem to fix. What a joke the whole medical and Ins bussiness. PS not picking on the Doctors or Nurses there the only ones that care about people.

Medco and United are in cohorts together? Considering UHC owns Medco, I would assume so. Stop being a little baby.

United healthcare delays aprovals for Cashless hospitalisation, and force the employee (policy holder) to make the payment. This payment will be 3 times the actual payment on hospital expenses. Once paid, they suddenly come up with an aproval with much lower amount than estimated by the physician.

Anil, Chennai
anilarkay@gmail.com

United healthcare service is the worst ever service you can get. Totally wrong kind of people in Health care.

I absolutely hate united Healthcare, they're very rude and disrespectful, to many foreign people working for them, this company is very misleading, I can't wait to drop them, I wouldn't recommend a stray cat to them.

the over the counter reps is not worth a damm

Hello...could you please give me anwers as to why i have a bill of over 20 thousand dollars and seperate bills for lab work and doctors bills...this is supposed to be affordable insurance,,,i need answers please,,,i work partime and this is ridiculous ...i feel i have to get an lawyer that i cant afford...Andrea Enni...[protected]

As a provider, i believe that no one in india should be handling medical issues. These people can barely speak english, let alone are competent enough to even understand simple medical terms. They are complete idiots, and sound like they are talking from a tin can. It is absolutely infuritating as a provider to speak w these idiots.

UHC Medicare Advantage is the worst insurance on the face of the earth. If I have to get it when I get Medicare, I would rather die. They denied my husband's PET scan, and he has LBD, I am taking him to the hospital and leaving him until they can help him get better. I hate this insurance and will NEVER get it. I'm not giving you more information.

United Health are Duel Complete claims there is NO copays for prescription drugs, whether they are name brand or generic.

They charge me a 2+ dollar copay for my prescription for Ipratropium Bromide.

This is:

False Advertisement

Financially exploiting an elder person with disabilities.

I closed my bank account and my payments were not able to be paid. Three months later June 1, I get a call from United saying I owe 300.00. I paid the three hundred dollars, on the same call, and they cancelled me because I was one day to late. This is not wright because they will not write me new coverage until October.

Customer service representative, named grace, said her id h2520, did not have the skills to address this issue and when I pointed that out became hostile claimed I was angry, and hung up. She needs to understand her limted training and knowledge and get more knowledgable people on the phone and not continuously blather from her modest knowledge.

I can't understand the call center representatives. Accents is too strong.

I am on COBRA effective 2/01/19. Every month, UHC terminates my coverage retroactive to 1/31/19 despite the fact that my premiums are paid thru 5/31/19. My third party administrator has correctly submitted the info to UHC. It will now take 24-48 hours for UHC to correct once again. Unacceptable incompetence.HELP
Mary Lou Johnston ID #[protected]