United HealthCare Services

January 1, 2016 Member ID: [protected] Wanda Ray. BD 07/21/1954 Phone: [protected] United Health Care changed my policy without asking me. When it was time to refill my pain medicine was told the medicine wasn't on the list. I spoke to about six people to try to resolve this problem. Was on the phone for hours and hours without resolution. Told me to have doctor fill out appeal so I could get medicine. I talked to doctor two times and they faxed the into to UHC. My doctor has thousands of patients I am sure. Arguing with an insurance co, is probably not on his agenda. He wrote the RX. That is what I should be able to get. Then got a voice mail that request was denied., So I called Optum Rx spoke to more people who told me to call UHC. Called them again and was told to call my doctor tomorrow and have him call and say I had to have this medicine. But appeals take atleast 72 hrs. I need my medicine tomorrow. This company changed my plan, increased my premium and wont cover meds that I have been taking for years. Oxymorphone 10mg. I have had 5 back surgeries, have diabetes and severe pain and neuropathy. If I don't have my pain meds I cant even walk. Was told to appeal and wait. What do I do in the mean time? Go to hospital or suffer. This is so unacceptable. This company is messing with peoples lives. So corrupt. I plan to get in touch with the insurance commissioner and anyone else that will listen to me. How is this helping the patient?

The worst customer service experience ever! Every time you call or email, a different rep. Handles the case, so you have to start all over each time. Minimum efforts are expended by the reps., Who send you in circles, instead of figuring out the real issue and solving it. My problem remains unresolved after 4 months. Something drastic needs to happen here!

As a dental care provider, we do everything we can to help our patients receive the benefits they are entitled to. UMR has our claims in their system for months. When I call or access online, my only option is to receive a fax back or online status. I have completed these options for several claims over 5 times over the last 3 months. Every time the information says my claims are in-process. These are preventive services and should never take this long to process. It is impossible to speak with a live person. Worst dental insurance company processing to work with ever in over 22 years experience. Please call me for patient details if you can so I do not have to enter private info through this portal. Tammie [protected] or Mary [protected]

My 9 year old daughter was born completely deaf . She received cochlear implants on both ears as a toddler. The external parts of the cochlear device (the processors: one for each ear) malfunctioned in early August just as the school year was starting. My daughter put the processors on In the morning before school. She ran downstairs in a panic. She cried "I can't hear anything!" She was devastated! Both processors were down. I immediately called the manufacturers of her cochlear implant equipment and the audiology team that works with my daughter. After hours of swapping out scavenged parts we were able to get one processor to work although it was intermittently failing and would need to be replaced soon. The other processor completely malfunctioned and needed to be replaced immediately. Samantha had hearing in one ear only and that processor was not working well and could fail ANYTIME! She relies on this equipment to communicate with her teachers, her friends, and her family...her world The audiology team and the manufacture said insurance companies may take time to file the claim and give permission to replace the processors. The processors were over 5 years old and due for a replace and upgrade as well. My daughter needed the replacements NOW...so we scrounged up the money and paid over $11, 000 out of pocket. Samantha struggled socially and academically during the weeks we had to wait for the new processors. We are so thankful she is functioning again. I called United Healthcare (UHC) mid September to start the claim process. I am new to this process and didn't really know where to start. The UHC person on the phone was terse and seem annoyed with my questions. She referred me to the website and told me everything I needed was there. (You'd think she'd appreciate the job security calls like mine provide.) I went to the website and opened a web account. It was more helpful. I also relied on the insurance specialists for the audiology team and the medical equipment manufacturer for further assistance with my claim. While I was on my UHC site I noted my audiology team had submitted a claim for her visit in Dec of 2014. The claim had been rejected, resubmitted, and was only reimbursed this past August of 2015. I had hopes that isn't an indication of what to expect. While I was there I also triple checked to make sure cochlear implant equipment is cover. Yes! It is clearly cover! All the claim paperwork and supporting documents were sent via certified mail on October 2nd 2015. I contacted UHC on Oct 15 to request an update and make sure everything was in order. I was told they did not receive the claim for review until October 12 and it should take 10-15 days to complete. So I waiting until Oct 26 to request an update. I was told on 10/27 that upon review they determined the manucturer's invoice did not have an insurance code next to one of the 2 identical processors in the line items. This would need to be corrected by the manufacturer. (I guess that seemed reasonable enough.) I was told they would contact the manufacturer and take care of it. I requested another update to make sure they got the corrected invoice on 10/29. I was told they were unable to reach the manufacture and it could take another 10-15 days. I immediately contacted the manufacture and asked them to correct the invoice and fax a copy to UHC. It took me 10-15 minutes. I sent the chat transcripts from the equipment manufacture to UHC as well so they had immediate electronic confirmation the codes should be identical. I was told it may take 2-5 days before UHC is able to see the fax in their system. As of November 6, 2015, all of the correct information was in place and the review should take 10-15 days. On November 17, MyUHC website showed 2 claims (one for each cochlear processor) had been reviewed and completed. Whew!...BUT WAIT!? On November 18, MyUHC website showed 2 additional claims (one for each processor) that are incomplete. The web site has 4 different claims now. Obviously I am confused and I contacted UHC. Via phone I was told the insurance codes were wrong. Via MyUHC I was told the codes are correct but that medical necessity was yet to be determined. Regardless, both told me it should take another 10-15 days. It is now Dec 2 and I have no idea WHEN or even IF we should expect a reimbursement. I think it is ashame that a parent has to choose providing their child with needed medical equipment or pay the mortgage...DESPITE HAVING PREMIUM HEALTH INSURANCE.

On 3/31/2015 I went to have a "Well Woman's Exam" at my family doctor. A few weeks later I received a bill from LabCorp stating I owed $30.44 that was not covered by the UnitedHealthcare. I contacted my doctor and they confirmed the only requested the panel of tests for this exam and nothing more. I then I was turned over for collections and on several occasions I contacted UnitedHealthcare regarding the bill and they told me my doctor submitted it incorrectly, my doctor confirm it was submitted correctly. Then on a later conversation told me that LabCorp submitted it incorrectly, and on q subsequent conversation they basically told me I had to pay it because of my "summary of benefits". When I argued that I did not ask nor did my doctor ask for any additional testing they said, "Well we were not present at the time of service, so we cannot say how it was handled"? So how do I proceed, if my doctor submits the claim and LabCorp submits something different, how do I fix the problem? Extremely frustrated, as I have not been to the doctor, except for physical exam, in the last 20 years and have been paying health insurance premiums faithfully each month. At this point I have been turned over to another collection company and will have to pay it, or risk damage to my credit rating.

Mastercard issued is useless cannot use at doctors or dentist. Everything must be paid out of pocket first then you are required to submit a claim, can't even pay a copayment. There are only three things my card has been accepted for, copay for medicine, reading glasses and sun lotion. If you don't have an extra thousand dollars on hand to pay for a dental procedure up front your out of luck. I believe they make it this difficult so people won't be able to get all their money out of their accounts.

I purchased this Bronze Compass 5500 plan off the health care.gov site. If you would ask me why I choose this plan it was one simple answer: the co-pay for the pcp was 35.00 and specialty doctors with an electronic referral 75.00 straight out. There are no mention of any co-insurance. All the other services listed show after deductible, co-insurance percentage. There is no mention on all 4 different forms that say different. My original insurance card came with a co-pay 35-75 listed on the front. This was accepted by the participating doctors. After processing they added co-insurance of 30%. My booklet sent out states the same.You actually can still go to the websites and see it described as I stated. They offered to send me a new booklet and sent me new cards without the co-pay on the front. Somehow they believe this makes it okay. I bought a defined amount co-pay and this is exactly what I want. The Pa. state insurance department stepped in after I filed a complaint and had them paid the 1st of 2 claims in full but 3 months later reversed their decision. Now they are threatening me with collections. They should be held accountable for the printed policy. This was an ingenious marketing plan to get subscribers.

Have been Contributing since March of 2014, this company is by far the worst I have ever had the displeasure of dealing with. My wife is an eligible dependent on my Dental Benefits, I submitted the claim for reimbursement for expenses. it's been over 3 months, I have spoken to 4 Supervisors and over a dozen Representatives. All i get are constant lies and promises of return phone calls which never arrive. When they do call you and you attempt to call that number back it comes up disconnected, to add injury to insult, they do not provide you with last names or Rep ID numbers or an extension number to call the agent who is supposedly helping you with the claim. Thus far I still yet to resolve this. I imagine they are prolonging it so they can keep the funds after the expiration date. This should be a crime.

Let me start with this I have been dealing with this issue over two months. My mom has dementia and is unable to handle things on her own. Back in June they cancelled her insurance an her premium went up because marketplace said they didn't receive papers. A new application was filled out and her new effective date was 8/1 united healthcare messed up and put it for 9/1 this was the first issue to may more . it took three weeks for them to update the effective date . mean time we are unable to see a doctor and I had to pay out of pocket for her medication because her insurance still isn't fixed. I called almost daily talked to many many people and all seemed that they wanted to help but no one has. after effective date was fixed the next issues is they messed up billing. so they took money out of my moms account (wire) when they wanted to . so for april may and june no payment came out. July 127 came out. then nothing more came out. so I was told in order to active her account again I would have to pay 580 bucks. I told them she lives off social security there was no way. we no one was helpful so I had to pay my moms insurance so she could go see a doctor. I paid it and was told that her insurance would be active within 3 days. her. Here we are 9/20 and insurance still not active I called the last two weeks to see why spoke to may people about 7 within 5 days and on Thursday on her doctors appointment date I told them I wasn't missing another doctors apt because they are charring me 25 dollars for cancelling and changing the dates . the person I spoke to Friday said well its not active for 60 cents, yes .60 cents. I was like you got to be kidding me. I mean I paid what you told me over the phone how is it short .60 they guy was like you have to pay it.i paid it still the account is not active, I really need to know what I can do . this is going on two months and nothing is fixed and not one seems to care or want to do anything except open ticket after ticket that takes almost weeks to review. this is just the half not to mention all the hours I spent on hold daily and transferred because they didn't want to deal with it. This insurance company is a JOKE and have no customers service . They only want your money and still could care less of what all they have managed to MESS up in the last two months that still is not fixed .

I spent hours trying to sign my wife and I up. They are divided into subsections that refuse to talk to each other, canceled my wife's ins. without informing us, signed me up in a plan totally different than the one my wife was supposed to have. A total wast of time. I now see that they are refusing to pay for covered expenses for their customers.

I was tricked because AARP "endorsed" them. Turns out AARP sold their name to the crooks and are tricking their members. Now we're stuck trying to get ins AFTER we turned 65, a seemingly impossible task, especially as UHC refuses to provide the information we need. Run away from this outfit. They show why America is the most expensive health care system in the world yet provides care that would be substandard in most third world countries.

On the 1st of June 2015 my insurance company, United healthcare, deducted $287.58 instedad of $95.86 due to technichal issure. Somehow, my bills were doubled for the past 6 months i was with this company. As i was going to vacation, i just had enough money on my account for automatic payments, including UHC payment. But because they charged me more that they were supposed to, and i did not have sufficient funds on my account, my back charged me $76.99 for overdraft fees! It took me 3 weeks to get $191.75 refund (amount that i was charged extra). Throughout these three week i called 3 times to find out were my case stands. My concern was not only $191.75 i was charged extra due to technichal problem, but also 76.99 my bank charged me for OD fees. Clearly, it was the insurance company fault. A bank statement wass also emailed to the company about the OD fee. All agents i talked to admitted the fault and promissed that the refumd will be granted. In July I started to call the insurance compamy again because of OD Fees refund. The agent i talked to said that the refund was processed on June, 30 and check was sent. However, I never received the check. On the 30th of June, I called the insurance company again, and the representative i talked to said that the company does not return my overdraft fees even though it is the company's fault. When I asked her to put a superviser on the phone, she refused, but said that a superviser will call me back. However, i got no phonecall back. On the July 31, i went to my back to ask if the OD fees can be returned and the banker said that since it wasnot bank's faul she couldnt do anything, but she called the insurance campany again from my behalf and the representative she talked to (Jack) said the refund will be made. I would like to know why all the representatives i talked to say different story and why i was lied about the refund? Even though when i mentioned if OD fee refund will not be granted, i will have to contact my lawyer, the representatives ignored me and said "do what you have to do."

January 26, 2015 I set up automatic payment by phone. UHC took one payment out, (referenced on my financial institution statement as an automatic payment.

During the month of April 2015 I called UHC regarding the statements I was receiving from my health care providers; my providers had not been receiving payment. I was advised by the UHC representative that all would be paid and there was no problem.

June 17, 2015 I received a letter from UHC stating, "This is your monthly billing statement for your health insurance plan. Payment is due in full on or before 06/01/2015." The letter also states there I have an outstanding balance of $159, 93. I immediately called UHC remind them that I had automatic payment set up. I was advised that my insurance had been cancelled, they had no record of my automatic payment, nor the name of the representative I established the automatic payment. I said, "well let's resolve this right now. I will give you a payment now." I was advised they would not accept a payment. I was also advised that five previous letters were sent, (none of which I have received). Upon the termination of my telephone conversation, I signed in to my online account with UHC to discover that my health insurance had bee cancelled on March 31, 2015.

I was discussing the bama Care plan with my physician and was informed that written into the agreement with healthcare facilities accepting bama Care, that in the event a participant does not pay their premimun for three months, the insurance company will cancel the client and all funds paid to the physician will be demanded back to the insurance company.

Based on my personal experience and the thousands of complaints online regarding UHC, i have to wonder if this is not standard practice for UHC to rid their rolls of seniors not quite eligible for Medicare, or members with serious health issues.

Signed up for health care using healthcare.gov. Paid the premium during signup. Never received the "signup package" and never received the member ID card. Called 3 times totaling over 4 hours on the phone and emailed "Contact Us" several times. healthcare.gov has cancelled old insurance when we signed up for United Health Care... so now hospital will not admit us because do not have insurance card. I Have proof of payment, and even made a second payment, so now 2 months paid in advance. United Health Care help has been courteous "we will make notes in your account" & "I'll have to transfer you to..." It's now been 4 weeks - Customer Service sucks. I am filing legal papers; looks like that is the only way to get some response.

I have had UHC for years, and had an accident that was covered under my policy. They denied the claim. I asked to speak to a manager. They got me to a guy named Jay Low. Jay was a real jerk. He told me that I was unintelligent and that I should have spent more money on a policy. I told him that I would take the company to court, he laughed and told me I couledn't even afford a suit. STAY FAR AWAY FROM JAY LOW AND UNITED HEALTH CARE. THEY ARE SNAKES AND LIARS.

Decided to get insurance with United Healthcare effective 1/1/2015. I am in great health and had coverage for over 30 years when employed full-time, but figured 1.) I really should have insurance, even though I always pay my medical bills and 2.) the "wonderful" government has decided to punish us at income tax time if you aren't covered. I have "Silver Compass 250" which requires referrals to see a specialist, unlike some other UHC plans. So, I requested a referral from my primary care doctors office. They tried for over a week back and forth on the phone with UHC trying to submit electronic referral. . I also spoke with another physicians office and they stated that they did not know how to navigate the software either to submit an electronic referral for this plan.. Bottom line is my doctors office submitted a faxed referral for specialist visit which UHC will NOT honor, so now I have to pay out of my pocket. Take my advice - DO NOT GO TO ANY SPECIALIST unless you make sure UHC has an electronic referral.

I have been on the phone for one hour and 55 minutes with a "supervisor" with UHC Rx about my account and my husband's account. UHC sent us a bill for two months' premiums on accoun [protected]. The payment for this account for December 2014 was sent in the same envelope - but in a separate check - along with the payment for account [protected]. The payment on account ending 8681 cleared our bank on dec. 31, 2014. UHC IS UNABLE TO TELL ME what happened to the check on account ending in 33711. Aside from the ridiculous hold time (this is not my first time to hold in excess of 45 minutes), in order to TRY to pay for these two accounts today in order to avoid missing the due date, I have now been placed on hold AGAIN to make a credit card payment. I am now at two(2) hours and five minutes on the phone because UHC Rx's inability to resolve this matter, waiting to make a credit card payment. This is inexcusable. If you can do something, anything, to improve this very poor service, I would appreciate it very much.