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1.4 465 Reviews

United HealthCare Services Complaints Summary

49 Resolved
416 Unresolved
Our verdict: With United HealthCare Services's very poor resolution rate, careful consideration is needed. Research their service comprehensively, and read up on how they handle customer disputes. If you face issues, be prepared for potential challenges in obtaining resolutions and explore other service providers as backups.
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United HealthCare Services reviews & complaints 465

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Newest United HealthCare Services reviews & complaints

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4:27 pm EDT
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United HealthCare Services awful service

I have never in my life dealt with a company as incompetent as United Health Care. Denying claims while investigating a preexisting condition that does not even exist. All doctors have submitted requested info over and over, and UH deny receiving the information over, and over. Everyday when I call to get an update, and of course never get the same rep, they all tell me something different. It is a shame you pay so much for health insurance, and they take your money, and try to hold onto theirs as long as possible, just to make their pockets bigger! Disgusted!

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jbfirebird
nowhere, US
Aug 02, 2012 9:49 pm EDT

the reason for the pre-existing condition investigation is to find out if there is a pre-existing condition. these types of investigations are done to ensure that people are not getting insurance to cover something that they were recently diagnosed with. with that said, i am assuming that you just got the insurance within 6 months or so of your first visit.
The investigations are done based on the diagnosis that the physician lists. if it is something that deserves the investigation, the insurance company will do it.
before you think of how greedy the company may be, think about how much money they spend in a day. also, if this is a policy that you got through your employer, you're actually paying your employer and not the insurance for the account you have.

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5:53 am EDT

United HealthCare Services charging for services not used

I purchased United Health Care in March. I am a retired single female. I added 2 extra one for sneakers other dental which would be 50 dollars a month I wanted it taken out of my social security. They sent me envelops and I called my agent and he assured me it was taken care of and to do the 50 dollars and from then on it would be taken out of my social security. Last week I received envelopes again and called my agent. He said they messed up and I owed them 200 dollars. I told them I had not used the dental and I had gotten only 3 times to sneakers. I told them I didn’t think I owed them anything. They did not want to work with me at all.

So I feel I will have to find a different insurance. I guess they don’t need my money. But why after 4 months they found this out. I don’t feel I owe them anything. I would of paid te200 dollars if I had used there services. But I did not use any of the insurance and I paid 50 dollars.

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Csuskind
, US
May 18, 2011 9:59 am EDT

I am trying to find a facility for MRI urgently, . after one hour on sat that is the only time that I have available for do my personal cares. I end of with nothing. Myuhc.com has my old record which does not do anything that the site won't allow me to do anything with the old ids and won't allow me to enter new log in. I wasted my precious hour for nothing. add insult to the injury, you can't find a place to put in a complaints. so do not use UHC for anything. they are the worse of kind for service.

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jbfirebird
nowhere, US
Jul 19, 2012 12:11 am EDT

exactly, you pay a monthly cable tv bill regardless of whether you use it. a premium for insurance is to pay to have the luxury of being insured. it is a monthly charge. plain and simple

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switzer29
Grimes, US
Jul 18, 2012 5:51 pm EDT

Um the whole point of insurance is to pay the premium and then they will pay their share when you use the services--just because you didn't use any services doesn't mean you are off the hook for the premiums. You were given a monthly premium for a service and now you have to pay it.

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9:03 am EDT
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United HealthCare Services health care costs in general

I am unsure as to why I even have health insurance at this point! My husband and I pay approximately $600.00 A MONTH for health insurance from United HealthCare...When my husband needed to have a CT Scan we go to the dr and they tell us we have to pay $300.00 TODAY for the test...I'm sorry what is my insurance for? Then he had to go to the hospital for another test and they tell us we will have to pay $500.00 that day for the test! OK AGAIN, what exactly is my $600.00 a month covering? I still pay a co-pay every time I go to the dr. If we were on welfare we wouldn't have to pay a dime! I had a baby in 2011 -- I'm STILL paying off the hospital bills for that...my sister in law, who is on welfare, had a baby and didn't pay one cent for the birth of her child! Tell me how in the world this is fair -- that people who go to work every day, pay their bills, their taxes etc...STILL get screwed when it comes to insurance. It's all a racket and something needs to be done about it. When the Dr says he has to send you to a specialists and asks what insurance do you have and the answer is United Healthcare -- the response is "Oh..well, in that case it's going to be at least a week before we can get you in" Or, we have to send you some where else for blood work because United HealthCare won't let us do the tests in house...REALLY?! No wonder the costs just kep going up!

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jbfirebird
nowhere, US
Jun 21, 2012 7:44 am EDT

and btw...blood tests are covered regardless of where they are done. your physician is giving you a line of BS

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jbfirebird
nowhere, US
Jun 21, 2012 7:43 am EDT

when you pay up front, it isnt because of the insurance. providers have the legal right to request payment up front to secure at least part of the cost. your lucky you only got charged 300.00. CT scans cost alot more than that. depending on the provider, they try to secure at least a percentage of the cost incase your insurance doesnt cover the service for whatever reason. Most times, they base it off of where you are with your deductible or out of pocket maximum.

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XenoMiang
Dallas, US
Jun 20, 2012 2:54 pm EDT

I completely agree with this post. I have insurance (not through United Healthcare) but a different well known insurance company and I can't even get them to help me with prescriptions costs because depression and anxiety are mental disorders and don't affect you physically (? I'd like to disagree with that) ... so on top of the 300 per month and the bills I already have for going to the doctors (I'm on a high deductible plan because I can't afford 600 a month) they want me to spend over 200 a month on prescriptions. Well I just can't do that, so right now I'm going without medications. It's unfortunate, I am willing to pay for my insurance and for necessary deductibles and whatnot, but I can't get any help with prescriptions. *sigh* I don't like complaining about thing but insurance is one of those touchy areas for me.

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12:00 pm EDT
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United HealthCare Services - annual check up not paid

I went to a network participant doctor with united healthcare for an annual check up & to check my cholesterol. The plan said it's 100% cover, but now I got a bill from the laboratory for $241. I called the doctor, but his nurse said it's not their problem and I have to deal with the lab. The lab said that the doctor ordered the two tests which I have not...

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United HealthCare Services customer service

I have AARP which works with United Health Care. I have never written an online complaint before until today and I am doing it because I dont want other people to have to go thru the same experience that I did with United Health care. I was on the phone for 2 1/2 hours trying to get some help. My AARP card says insured thru United Health Care. The first 2 people I spoke with at United Health Care said that I do not have coverage with them, actually the first man said that I did, then a minute later said that I didnt. When I asked which it was, he just kept mumbling, I told him a few times I couldnt hear or understand him and to please speak up but he wouldnt. I called back and after going thru a lot of prompts I spoke with another customer service rep and explained that I called AARP and they said that I HAVE coverage with United Health Care and they are afflicated with each other, however that rep I spoke with the second time at United Health Care also told me that I do not have coverage with United Health Care. I called back again and couldnt get an answer so I asked to speak with a supervisor. One called me back after spending another hour on the phone asking why my card says insured by United Health Care on it and they claim I am not insured with them. Fianlly, the supervisor from United Health Care calls me back and sounds nice in the beginning but never explained why 2 of their reps said I am not insured with them, just a lot of empty "I m sorry". I spent another half hour on the phone with her trying to find out where to send my bill to them, never got an answer after asking that 7 times, only told that I cant send it in until I receive a form from them to fill out that has the address on it. Then she tried to find out if they would even pay for the service my bill is for (by law they have to) but she was very unsure, I finally insisted after using up all my cell phone mins that they send me the form and still had to wait a long time for her to. I had already told her that by law their insurance company has to pay for this service but she just blew that off also. There are so many communication problems there and they don't even care, I asked if I could get reinbursed for all the cell mins I had to use, kelly said they would send me a reinbursement form but I m sure that I wont get reinbursed because of all of the confusion there is.

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5:27 pm EST
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United HealthCare Services will not pay medical bill

I had a procedure done at baptist outpatient facility by my cardiologist who's a network participant doctor with united healthcare and now united healthcare dosn't want to pay because no authorization was issued by them and it was done at a facility that they dont cover even though baptist is a participating hospital on other medical plans with united healthcare! my health plan is a ppo which allows me to go to most doctors of my choice but i dont recall not being able to go to the facility of my choice! this is a new health plan we have at work! and in my current condition of being on medical leave and not being able to work and not knowing if i ll be able to resume work, puts me in a real bad situation and stuck with a $29, 000 dollar bill from united healthcare! im a very healthy guy up untill November 2011, but for whatever reason the doctor cant find the reason why i was having cardiac problems with my heart, and i continue to have problems with my health since my cardic situation back in November, and now im going through sleepless nights and times of depression! with this united healthcare issue! i may have to through legal channels to resolve this which will be hard because money is hard to come by!

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jbfirebird
nowhere, US
Feb 22, 2012 5:02 am EST

working in the insurance biz, i can honestly say that your problem is common when people do not understand how insurance really works.
most insurance providers do not even go by PPO or HMO anymore. the type of plan that you have has in network and out of network providers and you are able to use a provider of your choice, but your benefit level will be based on whether or not that provider is in network or out off network. for the best rates, you will always want to stay in network because they are contracted with that insurance company. Providers that are out of network can balance bill you anything the insurance company does not cover.
you should always check your benefits, network status, and any other prior authorization requirements before having services rendered. All insurance companies make claims, benefits, and provider searches available online these days with the grace of the internet. not even to mention the ability to verify all of this as well with their call centers. if the claims have denied due to insurance error, the representatives have absolutely not problems fixing them if they are legit. Representatives are a working employee just as you are and gain absolutely nothing by not assisting you. if the claim is correct, it is correct based on the guidelines of the policy that your employer offered you and the policy that YOU chose. any and all insurances are not charities. they process things off of the guidelines set with the policy that you have chosen.
the bill that you say you received is definitely not from United Healthcare. United Healthcare and BCBS do not bill for services you receive. all billing by these two insurance companies, and i believe Humana as well, come directly from the provider that rendered the services.

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United HealthCare Services pattern of denying clains

In my 50 year working career, the worst customer service and claims processing experience has been with United Health. For the first time, dental work such as a simple crown has been totally denied as "unnecessary". This after the company refused to return my medical savings proceeds claiming it was for a different year. Fact is my company had changed benefits management companies in mid year. United Healthcare refused to make a simple call to verify the benefit year. I believe there is a pattern of encouraging customer service to deny, obstruct and throw as many hurdles as possible to paying of claims.
Such a pattern of behavior bordering on the criminal must have its roots in the corporate management of United Healthcare.
United Healthcare is THE face of CORPORATE GREED. If your benefits groups switches coverage to United Healthcare do not trust that you will be treated fairly. If you are a company looking for coverage don't make your employees suffer with these rapacious clowns.

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4:37 am EST
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United HealthCare Services stopping proceedures after they have already been approved

Lap Band Surgery:
I have been complying withe Medicare's requirements for nearly a year. After I finished my nutritionist appointments I should have been able to Seet my pre op appointment but theat I had to adhere to new requirements. I was told theat I had to loSee 20 lbs. and theat my MBI had to be 40 or more. Why would I need Lapland if could not loSee thee amount of weight when I was theere to take care of my healthe cauSeed by being obeSee. Well, I went therough having to get more information, and every time was told theat theey never received thee paperwork already submitted. Well I finally was approved for my surgery and received a letter stating theat. I had a meeting withe one of thee nurSees at thee lab band office. My doctor had Seent all of my information to theem to Seet up thee date for thee surgery which is January 9, 2012. I received anotheer notice saying theat again I was approved for thee surgery. It was going fine until I received a letter stating theat theey were not going to approve thee surgery on December 12the. I call thee lap band clinic and she told me theat she would get thee information on why. My doctor had also Seent a letter stating theat I had diabetes withe thee last approval.
The nurSee said theat she would do what she could to get me in on thee approved date Seet by AARP Medicare Complete. Not 3 days lated I was picking up some prescriptions, and found out theey had already called in my needed medication after thee surgery. I was so happy theat theis was going to go forward after all. Two days after theat a nurSee called to Seetup thee pre op appointment. They date we two days earlier and was scheduled to come in on thee 4the, but Seet a new appointment for friday. I went in on thee 6the and did all of my pre op test, and was told everytheing was great and theat theey would See me on Monday thee 9the at 5:30 am for my surgery.
I came home and found in thee mail a letter telling me I was declined on thee Seergury. I called thee nurSee at thee lab band office and said theat she would try to resolve thee problem. Medicare by waiting until thee 12the of December knowing theat I would not be able to get my surgery approved on thee date of thee original letter which would expire if not having thee surgery on thee 9the of January. This is a scam on Medicare's approvals and filing reimburSeement by dealing withe theis problem, and fought for eight monthes and finally I had no otheer resources to help me so I gave up. And now theis is happening again. PleaSee help me get theis resolved due to having medical problems in my back, blood pressure, high cholesterol, CMT (a Muscular Dystrophy), and am bi polar depresSeeion. The medications theat I have to take for thee rest of my life are not allowing me to loSee weight, and theis is why I needed theis surgery which my doctor has already told theem theat I needed theis procedure. After being on a liquid diet for two weeks did help me loSee 20 lbs and I was so have theat I could do theis. But was told theat to have only a liquid diet would deplete my body of thee food needed to keep me from malnutrition. All I ask is to correct some of thee ailments theat would go away by losing weight. I weigh as of today Saturday thee 7the is 245lbs. My original weight was 165 before I had to file for disability and unable to excerciSee to keep me at theat weight. PleaSee help me in getting theis surgery so I can at least get off of some of thee meds to get healthely.

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3:03 am EST
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United HealthCare Services unfair and sad customer service

I have called in uhc customer service multiple times over the past 1.5 years to get a copy of my bill ( that I mailed in to uhc) with no luck.
When asked for a reason on why can't I get a copy of my bill, they have wage answers ranging from security issues, policy issues, no bill available and everything else the agent can think of on that day...
I feel being cheated cause the company will have to pay me if I get a copy of my own bill back.
The agent will not transfer me to a manager or promises me that their manager is out and will call back and I never got a call back till date in the last 1.5 yrs.
UHC SUCKS! They are cheats!

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switzer29
Grimes, US
Jan 08, 2012 6:56 am EST

Above poster is correct--documents are destroyed--so the original has been in the trash heap for a year and a half--

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jbfirebird
nowhere, US
Jan 06, 2012 4:06 am EST

when insurances recieve mail, the originals are destroyed. the information gets scanned into a computer so that they can be seen company wide. at that point, there is nothing that gets sent out.. however, since billings are done by doctors and hospitals, you could get a copy of it from them.

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8:52 am EDT
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United HealthCare Services harrassment

I am a past employee of UHG. I was an employee for many years and subjected to teasing and bullying from co workers. Adults today need to stop and think what this does to someone. I almost thought one time of filing a lawsuit. My supervisor even knew what was going on and did nothing to defend me. I was the one who had to file a complaint. Working at UHG was a good learning experience for me as far as learning the different components of insurance. But as far as the moral goes it's horrible expecially if you are singled out for no good reason other than people don't like you. I am a very likable person.
These people were completely immature and lacked any self control over their immaturity. They should have been fired for all the anguish that they caused me over the time I was there. No one at all defended me. I even got laughed at and mocked at after I tried to defend myself. Like I was the big company joke.
I know that we shouldn't be saying anything bad about our former employers but when it comes down to someones ability to go and do their job everyday and not even wanting to come into work because of the harassment, then a supervisor needs to step in and set their employee's straight. Harassment policies are not being followed at this company. I look at it this way, I gained a lot of valuable learning experiences and knowledge that will stay with me for the rest of my life. It has taught me that you need to look out for yourself and that work is not the place to be making friends. It shouldn't matter whether or not people like you, not even your supervisor. You are there to do a job. And that is it.

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United HealthCare Services failure to pay

My name is Ray Roberson, I was forced to retire from Shell Oil Company in 2003.
I had Two heart attacks prior to my retirement and continue to be under the care of
a cardiologist.
Since 1977 until today I have never missed paying my health care premium this is
34 years.
Today I am told that Shell or United health care whoever is speaking will no longer
pay for my Doctor visits, hospital stays or necessary procedures because in 2011,
eight years after my retirement they think I may be eligible for medicare part B.

I contacted medicare and I was told by a lady named Holly that I do NOT have part
B and will not be eligible till I am “65”, I am 60 years old now.

I will run out of medicine in another month and need to see a doctor to get refills
for the numerous prescriptions I must take, it is past time for my appt. with my
cardiologist and I cannot pay for my last colonoscopy which I thought my insurance
would pay for.

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United HealthCare Services problems with the processing of claims

Three times last year after we had reached the out of pocket maximum required by our plan, United Healthcare began processing our claims as if the limit had not been met. It took many hours to be able to resolve this matter. In the meantime the doctors who had provided the services began billing us for what they thought was our portion of the charges. It is hard to understand why the processing system does not show when a person has reached their out of pocket limit when claims are being processed. Even efforts through my company arbitrator did not resolve the issue because they took the answer provided by United Healthcare.

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11:46 pm EDT
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United HealthCare Services useless medical programs

Ive been going to the Dr. for a few years on a medical condition. Two years ago I got a job that has (what I thought it was anyway) very good healthcare benefits. For my ongoing medical condition, I found out that the insurance claims they do cover prescriptions, but yet, 99% of the presecriptions my Dr. gives me are NOT covered by this medical insurance! And Im not talking about meds you might just need once in a while...Im talking about meds you need to LIVE! My Dr. gave me about 10 different prescriptions to fill, and was told "they werent covered", before I actually got one that WAS covered! Why they HELL doesnt this "healthcare" company just give Dr.s a freeking LIST of what they DO cover? SO much paper and time was wasted due to these ###s at this "healthcare" company...simply because they couldnt be bothered to tell the Dr. what they DID cover! F**K! I could have died, waiting for these freeking ###s to ok one of the many prescriptions I had in my hand!

And now, my Dr. tells me they have an allergy program that IS covered by my insurance, so I sign up for it, and I get my first two shots. Im given three prescriptions that go with the program, and when I tried to fill them, I was told they are NOT covered by my insurance!?!

WTF?!?!?!?!?!?!?!

What kind of ###ED, ###IC, IMBICILIC company pays for a program you cannot use?

The ###s that run these "healthcare" companys need to be denied ANY and ALL medical help for them and their families, and see how they like it!

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jbfirebird
nowhere, US
Jun 10, 2011 4:51 pm EDT

united healthcare deals with medical coverage. you would have a seperate vendor that covers your prescriptions.

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7:42 pm EDT
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United HealthCare Services denial of claims

United has denied numerous claims based on a 3rd party reviewing the claims. However, they refuse to give the reason for denial which prevents the doctor's office from correcting the problem or from appealing. That is against the Provider Agreement the insurance company signed. The 3rd party, meanwhile, are paid a percentage of claims they find a reason to deny. The doctor cannot successfully appeal and continues to file the claims "incorrectly" resulting in even more denials. Someone needs to file a class action lawsuit against United.

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Patrick12
, US
Apr 06, 2012 1:20 pm EDT

Ever since UnitedHealthcare Community Plan took over Evercare of Texas my once effective and progressive health care has come to an abrupt and unsettling halt. I have always strived to maintain compliance within the client guidelines of my plan and my position has not changed. I call my service coordinator and ask what information needs to be sent for a pre-authorization and where to send it. I provide my primary care physician the information United "tells me" they require. From that point it becomes a nightmare.

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United HealthCare Services bad customer service

What is your definition of explanation? UHC has their definition which is not in any dictionary I know. I just wanted to know what each line item charge was for - that's all. It took me three times on hold to get ahold of a "specialist" to finally tell me that their "Explanation of Benefits" (EOB) does not fully explain the charges. Further, they will not tell you what the charges are unless you spend an hour out of your day to go through their horrible voice-jail, then go from agent to agent to finally find out! This is their policy! They try to blame this on "privacy" protections! Then, because you are transferred, you cannot rate their service on the "#9" option at the end of the call. So this means most will not complain! And they over charge everyone in America for this amazing disservice! They tell me to go to my doctor and ask what the charges are for! This is like going to the grocery store, going home and looking at the receipt and seeing "food" repeated for each dollar amount listed! Excuse me, but what part of "Explanation" is it that they don't get?

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Update by irlab
May 04, 2011 5:03 pm EDT

Sent an email to me saying my "EOB" (Explanation of Benefits) was ready. So I go the the site using their link. I cannot get the EOB to display - I get an error message from the site that it cannot be accessed. All the other links work. I call their website support. I spend 3o minutes answering the same questions multiple times. I get another call and hang up. I solved the problem myself. THEY DO NOT SUPPORT TABBED BROWSING! That's right. I can get the EOB by navigating in the same window - not separate tabs for each EOB.

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jbfirebird
nowhere, US
Jun 21, 2011 10:28 pm EDT

an eob just explains(explanation) how your(of) benefits(benefits) applied to the service you recieved. it wont go into detail of the services you had done that day because of privacy laws. its an explanation of benefits. not an explanation of services

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United HealthCare Services labor and delivery

Long before have my second child I called the 800 line and reviewed my benefits online. Well to my surprise, after have an emergency c-section 3 plus stay at the hospital, I started to receive bills. These bills were not only for my, but my new born. You see the costumer services reps at United and my online benefits stated the mother and child were both covered under the mother as long as they discharged together, if baby stated, it would then assume its own identity, ocpays, and deductiable...HAHAHA! I had to pay my whole $4500.00 out off pocket for me and almost $4000.00 for the baby.
***Here is the kicker. Our work heard of this and changed the insurance plan. We were all assured by the salesman that this plan would cover mother and child completely under the new $2500.00 deductable. (I even asked if the back of the paper, in one of corners had invisible ink with disclaimers?) We were assured nothing would make the payment go over $2, 500.00 as all as mom and baby state and were discharged together...Guess what... This information was a big fact lie. I just called about maternity benenfits and was told by the benefits department that a normal healthy birth for mom and baby would be $2, 500.00. With complications you could reach a $4000.00 out of pocket for each. WOW! ONCE AGAIN HAVING A BABY WENT FROM ONE AMOUNT TO POSSIBLE MORE THAN DOUBLE.
Peopele be aware there are benefits exclusion, diclaimers and riders, that also play a part. When you look at you benefits package, you are only viewing what they want you to see. My own HR Dept. was shocked when the sale gentleman told me I should have consulted her for the exclusion/disclaimers and riders manual, She had no idea that there was such, nor did she know who to access it. I am glad to have insurance, but it would be nice the facts and not all the smoke and mirrors!

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United HealthCare Services will not reimburse fsa funds

I submitted a faxed request for reimbursement of a dental bill to United Health Care on December 30, 2010. My fax was acknowledged. When we did not receive reimbursement, I faxed the request and all documentation a 2nd time on January 24, 2011 (acknowledgement received). I checked the website and on January 28th and there was no documenation on the receipt of my request, so I faxed a letter and all documentation to the attention of an account manager on January 28, 2011, and again rcvd acknowledgement of receipt. Still no response. I called on February 3, 2011, and after waiting for a long period of time, I was allowed to speak with an account specialist. He (Richard) told me his our request had been denied as it appeared to be a duplicate request, but that appeared to be a mistake and he would escalate payment to us and we should have the money in our account with in 7 days. I asked him why it takes so long to put money in our account (my current flexible spending plan does it the next day). Not sure if that upset him or the fact that I voiced my opinion on not letting a person know if they are denying their claim, so that I would continue to send faxes with no response, , but found out today, he did not even bother to put notes in our file about his conversation with me. On February 9th, 2011, I called and spoke with Rosemary A (thought she was an account specialist, but apparently not, as she could not authorize immeidate payment). After I had spend another half hour on the phone with them, I was a little upset and advised I wanted a check overnighted to us, as it was uncalled for to wait this long for reimbursement of $132.00. She told me she would have this escalated and account manager would call me this morning. No call ever came. I called againt this afernoon and spoke with Sharon, who had advised me that Rosemary did not bother to escalate my request. I advised I was not hanging up until I spoke with someone that could help me because after waiting on hold for 30 minutes, she told me that our claim had been denied as a duplicate. She said that is not going to happen. I was so upset I hung up. It should not be this difficult to get the last of our funds out of this FSA account. *****This company has by far-----the worst customer service I have ever seen. They must have outrageous phone bills for the amount of time they make people hold on the line. Would never recommend them**************

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cindy2016
, US
Jun 17, 2016 2:33 pm EDT
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I submitted a Dependent care reimbursement claim on 17th Mar 2016 by post, My only mistake was of not sending it by registered post and simply dropped my claims documents in the USPS mail box outside my apartment. when I called UHC on 7th April 2016 they denied receiving my claim documents and said that they have not yet received any. So I insisted talking to the supervisor and then was directed to the person in charge one Mr. Brian who then gave me a fax number where I could fax my documents again. I had to call UHC continuously to confirm if they received my Fax. After that I received a letter from UHC saying that they have denied my claims and I could appeal again if I want to. I then appealed again and they denied it second time. Now I have received another mail denying the claim and suggesting that I can appeal for the third and last time if wanted to. I am not sure as I have tried connecting to my HR department and they got an excuse from UHC stating that its IRS guidelines that they could not pay my claims and cannot do anything more to help. The amount here is very large and I don’t want to lose it as I am working hard to pay check to paycheck with my daughter and was looking forward for this money to pay some of my bills. This is ridiculous as I had sent the documents on time what happens at the post office is not within my control. Despite that UHC has a heart to deny my legitimate claim. I feel cheated by them as i am following to claim my money, my hard earned money that UHC is refusing to give back. Please advise what should I do.

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frustratedbeyonbelief
, US
Dec 23, 2014 3:16 am EST

Wow, wish I could've seen these complaints before signing up through my employer for the dependent care FSA. We recently switched from another provider that has been nothing but great for the past 3 years! This plan started in October, and they have yet to pay a claim for child care, they keep saying there is a system malfunction and that they'e working on it. This is absolutely ridiculous, they're holding my money hostage! All the while I'm paying nearly double for childcare, between what comes out of my biweekly paychecks, and weekly childcare tuition! Had I known it was going to be this much hassle to get reimbursed for our childcare expenses I would've never signed up for this plan!

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frustrated many times
st george, US
Mar 19, 2014 2:24 pm EDT

I have been using UHC for years now and have received the same explanations: we did not receive your claim, the copies submitted are unreadable, IRS requirements, duplicate claim (when additional UHC documentation is submitted), etc., on and on and so forth. As a participant to my employer provided program I can not choose any other service provider. UHC needs to be FIRED. They are not capable of processing a claim efficiently without numerous submissions and hours of phone calls to straighten out their internal miscommunication. Mind you, they are scattered out across the continental US and can only answer your questions with info provided on their computer screens. If the info isn't on screen then you have not provided what is needed. Regardless of how many times you submit the claim with supporting documentation. If it were possible for me to get rid of UHC it would have taken place years ago. This is all about money and they will try to frustrate and delay you until you give up. This in turn is where they make money. Don't give up, prepare yourself each year for the never ending submissions and phone calls.

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GA Claim
Atlanta, US
Feb 17, 2014 6:13 pm EST

I submitted a claim reimbursement for $254 on 12/16/13 for a claim that was on 1/10/13. I submitted this using their on-line system (I have a copy) and they claimed they never got it. I re-submitted this on 1/21/2014 via fax. Today, 2/17/14, they informed me my claim was denied but never sent anything stating that. Their reason for denying the claim was that I was not covered by the FSA until 1/16/13, the card was printed on 1/15/13, and I enrolled as of 1/1/13. I should have been covered the whole year but a year later, the lost my claim and denied my claim without notification so that I couldn't even use my remaining FSA dollars. This is a shady practice by UHC.

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Concerns from NC
Rolesville, US
May 13, 2013 2:23 pm EDT

I have had nothing but challenges from FSA Claims submission to UHC. My latest issue was on 5/2/13 when I submitted for $324 and only got $274 back. I called today to find out why and I was told one claim receipt for $25 was illegible, but there was a unique receipt number on it. I was also told that one of my 2 pages of documentation for a $25 receipt was not legible, but everything they needed to reimburse was on the first page. Had the processor used common sense, the entire claim would have been paid. After expressing my frustration to the cust svc rep I got a supv who said yes I should have been reimbursed since the documentation received was sufficient. Additionally, one of the rejection reasons was insufficient funds in account, which the cust svc rep confirmed was not true. I have had continual problems with UHC's FSA claims processing. I am going to writing a formal to complaint and if I am still getting poor service, I will be in touch the Attorney general of NC and of TX where they are located. You should not have to go through such work to get reimbursement of your own money -- this is simply absurd.

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mel99
pittsburgh, US
Sep 05, 2012 10:13 am EDT

I will never again get a fsa thru uhc, ever... I just learned they have it set up automatically so when i go to a doctor or buy rx out of my own pocket, they are still Billing my fsa! I only set money aside in a fsa for dentist for my son. I call for info today and find out my fsa is maxed out! I an being reimbursed for all these things billed to the fsa, now i have to Wait for the checks so my son can go to the dentist. Thus complaint does not do thus justice, but i am ticked right now. I have a credit card to use for my fsa, why if the fsa is going to pay for whatever they want without my approval? In a month they billed $700 to my fsa that i was not even aware of. Insane.

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bridgeto
, US
Nov 30, 2011 6:01 pm EST

YES to all of the above. United Healthcare FSA is terrible. I've used Key Companies with my employer for years, which (with rare exception) distributed FSA funds in a timely and predictable fashion. I switched to the UHC FSA through my husband's employment this year. They take months to pay, they don't notify me when there are disputed claims, the fax numbers for submitting claims don't work, and the customer service is a major hassle. We're no longer covered by UHC, thank God. (On a separate issue: I'm participating in a class action suit against UHC, which I hope will recoup half of my emergency room bill following an auto crash, which they refused to pay in full because the hospital was not "in network." Unfortunately, the ambulance driver didn't ask me whether the closest hospital was in network. Sheesh! We need universal health care. Cut these guys off!)

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jayjnfamily
Las Vegas, US
Jun 10, 2011 9:40 pm EDT

When reading all your replies, it seems like you are working for the United Healthcare "jbfirebird". If a company like UHC can't manage their company/staff/workload, it is not our fault. I had Flexible Account with them last year and all my claims were done & paid in 5 business days most, which means it can be done. You are talking about how they have to process last year's claims first: I did all my claims & got reimbursed by December 31'st. Since this is the new year, UHC should hire a handful of employees just for the last year's claims, so others can process this year's to not cause any more delays. I never had to re-fax my paperwork last year; this year I was told by their own employees that how some of their staff made a mistake processing my fax/claim and how I have to re-fax it and how it would cause additional 10-15 business days of delay. What? Are you kidding me? They make the mistake and they expect me to be patient & understanding about having to wait even longer, so I can get my hard earned money reimbursed. You are talking about how they have to enter the claims in by hand; well if they pay attention to what they are doing, they might do it right the first time, so people like us don't have to wait months to get their money back. So far, they rejected some of my claims, stating it was a duplicate (when all my claims, receipts had different names as a patient, plus in some cases completely different dates), they denied some of them, stating it had a future date on the claim (and their processing date was a later date than the actual service date, which means it was already in the past), and their latest excuse is this: Our system has a problem that is causing for the claims to be in the "processing" status and not letting us pay for it. Really? What a relief to know that all their problems are caused by computers and the people who are doing their claims from last year and never by the United Healthcare employees. All my latest claims just sitting there, showing payment sent, but no date for the payment, which means UHC is stting on my money, earning interest, while I am suffering with my family. I know for sure that I am never having another FSA, if UHC is doing it. Having a Flexible Spending Account suppose to be convenient for the customer, not another hassle they need in their lives!

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jbfirebird
nowhere, US
Jun 10, 2011 5:25 pm EDT

your right. it isnt anything new. but it still normally takes 10 business days to do it if there wasnt a backup of claims. right now, there isnt a backup. so, the normal 10 bd applies. you wont be getting paid from any fsa/hra immediately. it sure would be nice, but regardless of the insurance, it wont happen. claims have to get entered in by a human then it processes by the system after its entered.

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fedup365
, US
Jun 10, 2011 4:54 pm EDT
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I completely disagree jbfirebird - this is nothing new. This is a seasonal occurrence. They need to staff their business appropriately to handle this. It's June - halfway through the year. Not seeing it get any better.

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United HealthCare Services mid mangement of complaint, approval then denial then approval then denial

I was a long term employee of At&t untill I suffered an injury
that put me on disability and eventually having 20 plus yrs with
AT&T they retired me. My disability is tough enough to live a quality
of life with the aftereffects of RSD
I the gall of 2010, I was coming up my deck steps
holding the railing, my knee gave out and my arm, causing me
to fall face first on the deck with nothing to break my fall.
I tried to get up but couldn't, my fiancé heard my scream
and helped me get up, not realizing the blood from my nose
and mouth. After finally getting the blood to stop, I had swollowed
a tooth and a piece of another. The pain in my mouth felt like
someone hit me with a brick. I called my insurance for help
because the pain was getting worse and my gums were swelling up.
At first, in calling my At&t benifits it appeared that there was help
under my medical for dental accidents, they got my to
uhc to help me through the process. Since there was no oral surgeon that was covered under both they approved me to see a oral surgeon assuring me that my coverage from the accident would be covered under my medical. It is a matter of co/pay being hard to cover bs impossible.
In seeing the oral surgeon there was so much swelling of my gums and
nose it was hard to determine a course of action. So he medicated and scheduled follow- up. Well as the healing progressed or rather
the result of the fall showing the impact the fall had on my mouth
was aweful. My upper teeth began receeding from the gums, bleeding
and bruising worsened, my lower teeth loosened, broke, chipped away.
What was once manageable with fillings and losing a couple
back teeth due to my heath, became a fact that all the time and
money I had to pay out of pocket over the yrs was wasted. My dentist
dr aiello's put an extensive plan together as required by my insurance
before treating. So months go by with pain and frustration and alot
of hours by my dentists mgr Patti providing medical -dental codes not
knowing as the recovery or disaster in my mouth
was going to continue. Well I faced the facts my teeth
had to go, there were no
guarantees, I heal slow due to my disability.
So, dr aiello's sent a comprehensive pkge in as best
they could looking at whY may occur in process, it was
finally approved, the next step was due to concern
of my health that an oral surgeon was required
by the knowledge of my dentist to do the extractions, so I
could be monitored in case something went wrong.
So know dr santerelli's office had to submit for
their approval for all remaining extractions, now as
many of the teeth were starting to decay, exposed nerves,
teeth becoming worse due to time passing. They got denial, then
approval, then at Christmas when the submitted for
pte approval for sedation, someone looked at it, rejected it
because sedation was already covered under medical. I called in again
so upset and was told we don't talk to patients we talk
to providers... Are you kidding me, my speech, ability to eat and pain were becoming worse and worse. I got a call from UHC representative
that helped dentist who was on special assignment
when oral surgeon approval got cancelled in error.
To sum this up, there iscno one person manage
my case and they were doing me a favor by talking to me.
They won't pay for sedation of 10 plus teeth being
removed with my gums still not healed. My dentist has ordered
a partial for on bottom, otherwise I wld have to
risk surgery to remove 2 bones in my my mouth
that are in the way. They will cover some removals but
not the ones that decayed or fallen apart since which makea
all of this insane, painful, unaffordable, unhealthy
for my condition and let's also not sedate her so
she can suffer more. I begged for one person to handle since
each piece of this was approved in parts, denied in
pards and then changed by someone else.

Had I not fallen, I would not require a partial on the
bottom of my mouth nor a denture on the top.

Even with coverage I am Struggling to find the
co- pay.., . And this pain added to my disability
is inhumainr and barbric.

Last words from UHC, your right this does not
make sense and I can't explain nor get you to
anyone that can... Sorry I guess you have to
appeal again... Goodbye

also covered under mefical

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United HealthCare Services covered, not covered, who knows?

My company is covering each employees using health insurance from UnitedHealthcare India.
Recently in november my wife received an operation for fibroids which have been causing her severe bleedings and the insurance covered the surgery.
The fibroids being too big, the doctor didn't take all of it in the first stage. One month later, bleeding started again and the doctor decided to do a second operation, to remove the remaining fibroids. But this time, the insurance denied the credit for some suspicious and non-relevant reason such as our wedding date, saying that because we are married for 3 years, and because they consider this as infertility treatment (?!?!), UHC is only covering it if you are married less than a year!?! then, they brought various topic regarding a 4 years old ectopic pregancy incident, again with no relevant links to this fibroids issue.
We and our doctor had to deal over the phone with some so-called doctor that hang-off the phone without listening to anyone, and just give a feedback by mail, denying the coverage.
Again, the same operation was covered 2 months before...
So it looks like UHC is playing really dirty tricks to not release money, in a very unprofessional manner.
I would strongly not recommend consumers or company using their "services" if it can be call like this. It is bringing more pain in such moment...

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United HealthCare Services won't cover typical medication

My infant has had regular ear infections. Every time he gets one, the doctor prescribes a typical amount of antibiotic. The same amount that my daughter was given when she had the same problem. I'm declined for coverage every time I go to the pharmacy, because United expects my child to receive an amount that is so low the doctor says it's unheard of. United is so cheap that they set limits on my child's medication that are unhealthy. I just go ahead and pay the full amount so my child can get well, and wonder why I have insurance at all.

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Marilynn Miedlar
Las Vegas, US
Feb 02, 2013 6:25 pm EST

I have paid for my United Healthcare Dental coverage for 3 years and now I have had to have a tooth pulled and get a bridge. A bridge is covered on my policy at 50%, I have that in writing in my policy. They will not approve a bridge. My dentist has written them a letter as to why I need a bridge but they will still not approve it. He says this has never happened to him before. Is this insurance fraud? I think so...

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FDL_HOU
Houston, US
Feb 01, 2011 11:10 am EST
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United Healthcare sucks. They have gotten worse. My dentist opted out of United Healthcare dental coverage because he felt to use their guidelines was an infringement on his ability to provide quality dental care.

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