United healthcare as one of many insurance providers in the United States are more interested in profit over patients well-being. The company I used to work for had Humana insurance company and in August they switch to United HealthCare with my 43 years of diabetes. It took me until the middle of October to get all of my information transferred and in sequence with UnitedHealthcare I went three months paying out of pocket. Expenses for my pharmacy and for my durable medical equipment until all the ducks were in a row I've now moved into a new home here in Texas and switch pharmacies same brand Walgreens but different outlet. I'm trying to refill medication's and they're telling me that the prior authorization expired on March 30 we're now in May 9 and why wouldn't your insurance provider reach out to your caregivers and request updated records to renew their six month prior authorization on a medication I've been taking for 15 years or longer. It's absolutely stupid to submit a six month prior authorization even if my medication were to change all they have to do it. That time is request a new prior authorization versus going through a headache every six months it sounds like to get a new prior authorization for the same medication. I'm taking over 15 years other medication. I've been on for 43 years, so why are they not submitting minimum one year or five year prior authorization what's the big F deal? So now that they're trying to fill the prescription now they have to go through the 2 1/2 to 3 weeks, which will take four weeks process to get the prior authorization approved, and then the insurance companies gonna deny the first approval and tell you to take a generic brand instead of the brand that you're currently on which was the brand that your other provider told you to take And then you're gonna lose another two or three weeks To get that brand approved meanwhile as I'm slowly dying here because of the incompetence of setting up tickers for the customers renew dates and be ahead of it, which is what I should be and typically I am, but with the headache of getting everything approved between August and October of last year Typically my prior authorizations are good for one year I had no idea that this one was a six month. It's absolutely ridiculous and you pay hundreds of dollars and thousands of dollars to your insurance company to do nothing for you other than take your money and raise your blood pressure every time you try to get something taken care of.
Thank God, I had my doctor visit last Friday when they ask you the questionnaire to find out your mental state because I answered that I was in good mental state and hadn't thought about anything dangerous to myself after today. It's like what the heck why?
Too bad I don't have the same healthcare. Our Congress has where I don't have to worry about paying for it. Anyhow United HealthCare is terrible Humana insurance is not so great and the worst thing about these companies is you have to get your durable medical supplies through a third-party supplier instead of direct from the manufacturer so now there's another hand in the pie taking money on your durable medical equipment you can't win no matter what you try or what you do we're in the month of May. There's no way I'll meet my out-of-pocket in time. To take advantage of the 80% coverage and last year the transition took so long I was screwed out of my fourth quarter shipment of durable medical equipment which physically cost me $1200

Do you not sign up with UHC if you want your healthcare co. To advocate for your best healthcare and prevention. I signed up December 2022, did not have an actual ins. Card until end of January 2023, which did not work due to UHC messing batches of barcodes on ins. Cards. I lost my healthy benefits for January and February due to receiving bad cards. I made several calls and was told I would be reimbursed for the months I did not have a car to use. Healthy benefits. I was never told about the UHC app where I could just scan the app to make purchases while waiting on a working card. I need expensive healthy foods. I am diabetic, on a blood thinner, have high cholesterol, & high blood pressure. I have to eat several different healthy ways that contradict each other. I need every dime I can get; being on disability. When I went to use my working card, there was no reimbursement amount on there. Later on, during the appeal process & after contacting UHC several times, was told that I was reimbursed, but I let them expire, and did not use benefits by end of Feb. For one, I was not aware I had a working card until February 26. I had just gotten out of a hospital stay in January for three days and going back subsequently to the emergency room in February for the same problem and was unaware that I needed to use my benefits that I didn't know were on the card by the end of February. That left me a day and a half to use my card. I have given the representatives my dates that I had to go to the doctor without insurance cards in the beginning of the year, my hospital stay information, & my subsequent ER visits to show that for one, although I was sick, I was advocating for myself and steady, contacting UHC with no success. I even had to contact Medicare and file a complaint. For two, I had to get my member ID number and group number verbally over the phone at the end of January, and for them to verify that I was very sick for two months and still didn't have my cards or the app information to use and they refuse to use that in the discovery of the investigation of my complaint of not getting my healthy benefits. I have put in appeals and complaints w/United healthcare & Medicare for my extra healthy benefits benefit of the program, and they continue to blame it on the third-party that they have hired to provide these benefits. My premiums are covered every month. They are being paid for everything that's part of the package of this plan. Why am I not getting my benefits that are owed to me. It's $110 and united healthcare is fighting it over and over again denying me my rights. They made up thatI activated my card when I didn't even have a working card yet! They still don't care that their paying customers need the most out of the plan they can get for preventative services. I have had to make several calls to get proper cards that work. They do not follow up about our healthcare. The customer reps seem very disconnected with customers. Went from $500 every three months with Humana to $165 of healthy benefits with UHC. They would not reimburse me for the two months that I did not get benefits. Will continue to make complaints to the state and to Medicare in regards to UHC. Did not even get a welcome letter till the third week of January 2023 after signing up in December 2022. Nothing like my Humana plan that followed up with me on a weekly basis, made sure I was aware of every resource I could utilize that was offered by Humana. I had all of my literature and paperwork I needed by the first of the year after signing up with my plan. If it wasn't for my doctor switching in-network providers, I would not have left Humana! The minute I can go back, I will! I will definitely be choosing another plan as soon as I can switch, and will leave UHC! I went from getting $400 of healthy benefits every three months with Humana to $165 every three months with UHC. I cannot believe a company who makes so much profit is fighting a customer who was not even given all of the plan literature and working insurance cards by a appropriate time over $110! They are at fault and continue to place blame on on the customer and on the third-party that they hire to work for them. Every rep will tell you something different. I am not the first nor the last customer that has dealt with this and dealing with other issues for the company to advocate and keep their customers healthy and happy. The health & pharmacy coverage is decent but when you are working with a company who demonstrate they do not have your back and does not back up there mission to provide the best care they can for their customers, it tells you that if there was ever a reason to have to fight for coverage; that you would not get it from this company. They are fighting me over $110. I can't imagine a doctor bill or hospital bill. They have no right to do this and I will continue to make sure that they are investigated for this! There is no continuity of care. As a previous healthcare/rehabilitation therapist, (OT) for 20 some years, I know what continuity of care looks like and it's not making your clients call several times & hours on the phone to get a simple $110 of their owed benefit when it was not their fault.

The only thing UHC is good at to be very honest and frustratedly honest, is acting innocent and then making you run around in circles talking to every department to eventually arrive at zero help/guidance/transparency to getting an answer or solution to your problem (such as prior authorization for a medication you've been taking for years for a chronic disease, which UHC covered for years, and suddenly decided to stop beginning of this year, and it's a disgrace, they have what looks like clear criteria's on how to get the prior authorization approved published online but when my doctor requests we immediately get denied, we appeal with additional support and the medical judgment of my doctor who I've been seeing for YEARS and it gets rejected by a random doctor that APPARENTLY knows better than my doctor about what's good for me and employed by UHC who also rejects the appeal with random counterpoints that ARE NOT OUTLINED IN THE PUBLISHED CRITERIA GUIDANCE for what's required for approval, that is not okay and is apparent that guidance criteria was just published as a PR stunt to seem transparent but really the total opposite all because UHC suddenly doesn't want to pay for the medicine this year and decided that I should take one of the alternative (aka inferior and outdated medications). They also BRAG about their pharmacy support programs which they do glowingly write about all over their website which includes a transitional refill whereby for any new members that enrolled or any existing members where a drug is suddenly no longer covered by UHC and requires prior authorization/etc., they will at least help to provide a one month override to provide a refill for at least 1 month while you go thru the prior authorization/exceptions process with UHC (which they'll undoubtedly deny I'm sure)…and guess what? THAT IS ALL A LIE TOO! I called in and had to even send screenshots of that from THEIR OWN WEBSITE to the UHC folks before one after another they said oh let me ask my manager, oh let me ask my managers manager, oh my managers manager, and then the big head honcho comes on the phone and says oh so sorry but this drug isn't eligible for transition refills WHEN THE WEBSITE OUTLINES LITERALLY EXACTLY THE SITUATION WHERE a transitional refill applies and it was my situation VERBATIM, they even write on a standalone bullet for this pharmacy support program that "you can simply call the customer support number on the back of your card and easily request them to provide the one month transitional refill," just explain to them that you're an existing member that was on a treatment which was covered before it became not covered and so you're eligible for at least a one month transitional refill…NOPE, and the crazy thing is, I don't believe…actually not, I am 100% certain, it's NOT THAT THEY DIDNT know about this program that THEY OFFER, it's that they have been instructed from the top down, do not cover another dollar more of this pricy medicine for any reason, that's exactly what it was. So it was them fumbling around and trying to figure out a way to get me to hang up and not keep escalating because I've caught them in their own lie, and unfortunately again after another hour of going nowhere, they win and I hung up with zero value add or help received. Fortunately for me I researched day and night and was able to find a REAL SUPPORT program outside of UHC to help pay for the medicine, it's a big shame how this company runs their business. It's borderline criminal, they should really be sued, and it's not the customer support folks, it's their management that's dictating these deceitful ways, and this is premium health insurance I get through a big big bank I work for, I will be complaining to HR to switch it because our company pays 50% of the costs for these policies, and honestly of all the big Wall Street banks I've worked for, UHC is by far BY FAR the worst, and most hideous and snake oil sales man heath insurance company I've had, I was honestly appalled I thought I was talking to lawyers on the phone instead of customer support, it really seemed that way. Aetna, blue cross, Cigna, you name it, never anything close to this experience, I am honestly so mad and I can't imagine for folks that aren't fortunate enough to find an outside program that helps, this is evil, we're left helpless they leave us helpless and that's their directive, their hope, that we just give up and cave in. I don't even have time for all this, but I will definitely be writing a complaint to all the govt agencies on them as well, if it happ to me like this, I can imagine others have maybe had it way way worst and had to suffer so so much. UHC should really be examined by regulators and govt officials for their conscientious intent and failure to act as a prudent and considerate service provider as a health insurance company who's great at checking all the boxes and seeming transparent and saying they offer this and that, but when it comes down to the single individual member they're able to bully us and know all transparency, honesty can go out the window and a loss for us the patients is a win for them whether it has health consequences to us. The only time a win for us is a win for them is if we're convenient customers.

Employer provided coverage. It's better than nothing, but you'll pay thousands for the privilege of paying thousands more before they grudgingly pitch in. They also do their best to deny or avoid paying out whenever possible. And even if you do everything right, if you have ANYTHING that gets classified as "accident" - after about 2-4 weeks, expect a letter threatening to deny coverage and payment if you don't rapidly confirm whether there is a third party that they can pawn the costs off on. Even if you already provided that information. Yes, that's right: you can fully document everything upfront, declaring that the injury was an accident, where it happened, and that there's no responsible third party or secondary insurance, and they'll move forward, then two weeks later they will IGNORE all that and REQUIRE YOU TO TELL THEM AGAIN, or they can and will deny coverage and send you the full bill. Congrats: you did everything right, exactly as they required, and you still get retroactively denied and stuck with tens or hundreds of thousands of debt because they figured out that they can "need to confirm" WITH YOU the information YOU already sent. But they expect the fact that it's "a different department that needs the information" will somehow make you okay with their blatant attempts to avoid doing the exact thing you pay them for: to cover unexpected illnesses and injuries, especially ACCIDENTAL injuries. Because seriously, how many ER injuries are planned? Most people don't wake up in the morning looking forward to spilling hot cooking oil on themselves or tripping over their own two feet and getting a broken bone or running into a pole during tag and crushing an ear. That's why they are ACCIDENTS! But apparently "accident" is the magic word for "if we play our cards right, we won't have to pay anything!" So be warned. If you're injured, likely accidentally, since most injuries are unintentional, they'll want to make it a third party problem. And if they can't do that, they'll do their best to make it yours. They'll start by sending a letter saying "UnitedHealthcare may be required to deny your claims (charges pended) due to lack of information" and hoping you miss the letter or the deadline. (Yes, even though you already provided all the information, they somehow "lack" it unless you say it all again, since apparently the information you provided the first time doesn't count - it has to be repeated.) And if you think it was a fluke that the letter came, it isn't. UnitedHealthcare confirmed this themselves - if anything in the communication indicates "accident", even if it was clearly communicated to not be an auto accident or due to a third party, they will send it to subrogation. Which is a different department, which requires their own gathering of information, which means they kick the claim back to you in a threatening letter, and you have a handful of days to give them someone else to go after or to re-confirm it needs to go through them. If you don't, or don't respond quickly enough, welcome to bankruptcy - they're off scott free.

I work in administration for an orthopedic surgeon's office. We accept pretty much every type of insurance you can imagine and utilize the provider portals and provider service lines to verify eligibility and request authorization for different medical procedures. UHC is by FAR consistently the worst Insurance company we've ever dealt with (this is a unanimous among all the admins at this company). Every time I call, I get transferred at least 3-4 times (minimum) and every rep I speak with tells me something different than the last person. Currently, I've been on the phone for over andhour and have been transferred 4 times. The first person I spoke with, Naki C *******210 (got this number from UHC provider portal), told me this was a commerical plan and I needed to be transferred to the UFB dept. I asked what UFB stood for, she was unable to answer this and put me on another hold long hold. Then she came back on the line and said I needed to get this auth through UMR. I asked her to confirm the pt's policy # and she was unable to read this number back to me. She then proceeded to tell me I need to be transferred to the "Oxford" dept@ *******353. She then gave me a 7 digit # and I asked her what this number was for. She said it was the patients policy number - this is not the policy number we have on file and the # we started the call with. So she transferred me and Shaqueda (not sure on the name) told me she needed to transfer me to the correct dept. I asked her what dept this was and she told me "member services" and I needed to go through evicore for this auth. I confirmed with her that this auth is for an orthopedic surgical procedure and she confirmed and said this goes through Evicore. She transfers me and connects me to Patricia with Evicore. Patricia says she cannot find the patients information with the policy #'s I gave her. She finally pulled it up and said that this is a commerical plan and Evicore does not handle authorizations for surgical procedures. She confirmed the CPT codes for this surgery did not even show up on her end. She said I needed to get this auth through United Healthcare directly which is where I began this whole thing. She said she was transferring me to UMR@ *******200. She transfers me over and it's an automated service asking for the patients policy number which I enter 3 times and it tells me it is unable to find this policy and says to "try back later" and disconnects the call. I mean... is this real life? I feel like I'm in a really really bad dream. 0/10. Zero stars for UHC. Have a great day.

No One at this Organization knows anything about the Insurance bussiness no actual Sales Producers were inside their hostile toxic work environment full of scapegoating tactics treating Independent sales producer like criminals withholding their Pay. Their Producer Help Desk has not helped me with one thing in Three years. They like to Argue and Rude and not help at all. Bad experience for sales Producers They really showed who they really are this year not a good company to be contracted with and shows no Support or Loyalty to their agents that bring in all the Memebers and Income They Intentionally Hire Indepedent agents to contract as a 1099 non employee so they can treat them with disrepect and intentionally Sabatage Harrass and Discriminate and tortore Sales Producers
I am investing my time into other Insurance Carriers like Centene Absolute Totale Care embraces such Diversity and Inclusive inviting workplace Positive working Environment, Cigna, Wellcare, and focusing more on my Property and causualty Life Insurance Home owners LTC Disability Income Life Insurance Annuities this year. You outgrow this Teenage workplace Drama with the employess full of mean women that enjoy harrasing women agents who have Disabilities. Humana is the worst place to work also full of backstabbing sabataging women in the South Carolina Office bad worst Horrable experience beware horrible team of uninformed about the insurance industry no support constant Emotional Distress

This company have violated my son and I rights for an entire year since we have been new members. My son had had 4 to 5 case coordinators who have never called him to check on him. I asked that they call every 30 days since we have had 4 deaths this year back to back. I have had 2 workers tell me to kill myself, most of them called to argue and force themselves into our lives with disrespect, I requested new workers but when they change we don't know anything. These people cut my OTC benefits card off for 6 months out of retaliation for telling on them in a few of the grievances and had my racist legal aid worker to tell me to accept $300 and it was best interest for me to sign a NDA and I said no. Because they will see us in court for all of what you did and still doing. You allowed all my grievances to be covered up, Logisticare labeled all my grievances with New Beginnings, 3MT, CMT as refused rides but one driver signed my names without my consent 2x and said her boss said she had to because of phone LIES and now she saying she didn't do it. Logisticare is lying for her as well and I have a recorded conversation where a worker admitted a coverup and a manager hung up in my face and had every worker to screen my call so they would not give me my confirmation number for my ride that day. I called 10 times and had to push other buttons to get another person just to help me. Like this company prides itself on helping and giving its members the best experience and that's a LIE... they got off calling and harassing me, telling me to kill myself, denying me grievances and the outcomes of these grievances. Til this day I have yet to receive anything in regards just a letter saying oh we are investigating it while everyone has a lawyer but none has called me. If you did nothing wrong why do you have a lawyer. It's my son and I rights you violated, I'm the one who's contacted legal aid you got my racist lawyer to stop helping me and you still are back at violating my rights. You racist have no shame and the black workers like were is your backbone like... Therapeutic Interventions, Changing Lives, Family of Hands all these companies committed fraud and violated HIPPA rights and all were included in those grievances and yet medicaid and United Healthcare says that ok keeping paying them. They dropped my son and got paid but you covered up the wrong doing. Why wouldn't I want reparations? We have not even had time to grieve just been dealing with you and all your violating of rights and layering up and avoiding what you have done to US!

I was OK with it, for years. I recently changed from one UHC plan to another, having been told by many it was better. And, yes, it looked better. That is, until I tried to fill a prescription that I had been on for more than 10 years.

As men age, they develop prostrate problems. In my case, BPH or Benign prostatic hyperplasia. Here are some of the "fun" effects of this.
Frequent or urgent need to urinate
Increased frequency of urination at night (nocturia)
Difficulty starting urination
Weak urine stream or a stream that stops and starts
Dribbling at the end of urination
Inability to completely empty the bladder

Less common signs and symptoms include:

Urinary tract infection
Inability to urinate
Blood in the urine

More than 10 years ago, I played musical chairs with my insurance to try and solve my problems. I went through at least four drugs with no effect. Then, I hit this drug, called Cialis, or generically Tadalafil. It worked, with one small side effect.

Then, every so often, I had to fight to get it re-approved. You see, it costs $1,000 a prescription. So, naturally, UHC doesn't want to fill it. But, until recently, they have. When I switched, they suddenly refuse to fill it. They claim it is medically unnecessary and there are other drugs that will work. These are probably the same drugs I tried 10+ years ago that did not work. Sadly, I am neither at that doctor nor have my prescriptions handy. However, UHC should, since they have been covering it for years.

You see, the problem is that Cialis is a sex drug. ED, erectile dysfunction. In other words, for the guys who can't get it up for sex. At my age, that is the least of my worries. My wife died a long time ago. And, that erection is a painful side effect. Ever walk into a store with an erection? Don't. When you're young and handsome, it is fine. Once you top 50, it's "sick." But, for me, it is a drug that helps me "pee." Imagine having to get up a dozen times a night to urinate. Or, not being able to finish and have to go back. How about having to go and not being able to?

But, United Healthcare gets to save money, so their holders make billions.

I even found out that they are involved in lawsuits over different things. Something about not disclosing fraud?

Interestingly, when I tried to register at their site, I couldn't. It seems my card is wrong. There is no such plan. Or, no ID number. Since I can't sign in, I can't complain. My doctor informs me that his hands are tied. I go off it, play musical chairs, and they still deny it even though they have covered it for as long as I have been with him. That is at least five years. When I checked my card, I also noticed that they had the wrong doctor listed as PCP. I hadn't used him in more than 10 years!

This is the most pathetic profit protection agency I know of. One woman commented on how they refused to cover her anesthesia when she had her baby! Guess they wanted Lamaze. It saves them money.

Seriously, if you see this company, run. It is most common with AARP and Medicare/Medicaid plans. It does sound good, unless you have medicines that cost them too much money.

No problems