UnitedHealthcare Arvostelua 518

Don't waste your time signing up for United Healthcare. The agents seem nice enough but the company as a whole is a waste of time.
First I was told that I was approved and to wait for my permanent ID card (10 days maximum).
When I called several times after the 10 days, nobody seemed to know what was going on.
Then I was finally told my application was pending. Now, more than three weeks after the policy was supposed to go into effect I received a letter of denial.
I will NEVER waste my time on another poorly run and poorly managed "company" with inept employees again.
I'll just keep my standard Medicare and hope for the best.

The rep mislead me when I signed up for this plan, I was told that uhc paid up to 4000. on dentures but when I went to the dentist I found out they only cover 50% on dentures. What's worse when I called UHC I couldn't even speak to anyone in the USA. I won't be using this next year. Don't know how ya'll get away with falsely advertising the plans.

If there was a way to leave a negative star rating I would. It is harder than hell to reach a real person that can actually help you on the phone. Avery, your AI assistant just sucks. So if running members around, helps your business, nothing I can do about that. You won’t pay for the $200 prescription, so I’ll proceed with the doctors orders of tens of thousands of dollars in diagnostic testing that’s going to result in the same thing that it did 10 years ago that this medication is the only one that works. I debated on whether renewing unit this year, might just be changing midyear.

Turns out effective 1/1/26 UHC (who is admin for my People's Health Choices 65 HMO-PPO Medicare Advantage plan) started requiring referrals & prior authorizations for majority of specialists like cardiologist, urologist, gastroenterologist, ENT, dermatologist, just to name a few. This is a major hassle for both patients and doctors offices. Referrals are only good for 6 months then have to be renewed. I found out today that even though 7 endocrinologists (all at same location) show on UHC app as in network, those doctors stopped accepting any new patients (only allowing existing patients to stay) with UHC coverage due to poor payment of services. So BEWARE, even if their app shows in network, you need to contact that doctor to verify if they are accepting. I found out about these issues too late. If I'd realized then I would have changed to a different provider by 3/31/26 deadline.

We have no more over the counter bennifits. My husband didn't even go to the Dr in January and it said he reached his max bennifits. Our dental was removed. Customer service doesn't even know what the VA is !!! Veterans hospital hello.

Worse customer service I ever experienced. Conflicting answers to every question I have had. As for quarterly OTC products covered - good luck. 99 percent of OTC products NOT covered. If you need 60 bottles of hydrogen peroxide every 3 months then you’ll be okay. Do not recommend this company or plan.

They deny claims keep using excuses saying doctor didn't send right documents but when I had employee insurance along with uhc it wasn't a problem worst insurance I have ever had

I purchased the plan and did biggest mistake. App is pathetic. You cannot access payment history. And every bill has past due amount to pay. When you reach customer service every time they have different statement. If you try to chat they cut off chat without resolving the issue. I have confirmation that I have paid premium but customer service says I hv outstanding balance. A big no no to these scammers.

My review should be minus 5 stars. This insurance sucks. They take your payments and they cover nothing. In November I had a 9 day hospital stay. My final bill was over $475,000!!! They covered next to nothing. Do not get United Healthcare Insurance

It is like pulling teeth to make your online payments with how confusing and frustrating it is and how their system is constantly broken.
You would think that it was almost malicious in nature.
I've done their little online chat multiple times and every time they try to assist nothing they suggest works.
The little circle on their site just spins and spins for hours on end.
I've tried refreshing it.
I've tried clearing my browser history.
I've tried deleting all of my payment methods and updating them. Nothing.

This company is the biggest joke I have ever seen and I have never experienced such piss poor Customer Service. You're the largest healthcare provider in the world. You would think that you're online presence and payment portal would work once in a while.

Charged almost 700 for the free wellness check please someone help me find way to get a class action lawsuit against this terrible company

I am trying to get a gap exception for an ENT doctor. There are none in-network for 100 miles. My husband cannot hear out of one of his ears. I have called them on 5+ occasions to try and get help with this. Each and every “advocate” have told me something different. One said to go to the ENT to have them submit the gap exception form. One said to call a phone number that was only for medical personnel. One said to just ask an in network doctor to submit it for me (with no other details). One said they have a form that I can fill out but that form will take 10-12 business days to send me. They gave me a case id for this, so I called them 3 weeks later, after not receiving said form, and they said “there was an update to your case that there is no form”… so someone updated my case and decided not to tell me about it??? I have been sitting around waiting for this stupid form. They have the dumbest customer service that they are clearly paying dirt cheap for in India, meanwhile making 450 BILLION dollars in 2025. Screw UHC. Screw America’s “healthcare”.

EVERY ONE WHO HAS BEEN TAKEN BY UHC SHOULD CONSIDER GOING TO THEIR LOCAL MEDIA TO REPORT THE AWFUL SERVICE THEY GOT! TIME TO NAME AND SHAME IDIOT UNITED HEALTHCARE!!!!

Having to deal with offshore agents make me want to gag! Tonight I had to call 3 different numbers to get an answer to my question. The 3rd call dropped my call entirely so I have to make a FOURTH call. The are hard to understand and do NOT listen when you ask them a question or ask for a clarification. I have to grit my teeth EVERY time I have to call United Health because the experience will ALWAYS be terrible! I am going to dump them like a hot potato in 2027 since I continue to experience disappointing contacts the UHC.

I added dental rider and pay extra premium when I was checking with the dental customer service at UHC. Yes, the plan will cover any works other than routing cleanings. And wait wait for 4/1, coverage got effective and had dental office to verify, then was told NO, no coverage for fillings. So, there is no way to get money back and just waste my time for waiting.

Incompetence at its finest. I’m on Medicaid after being laid off. Every time I order prescriptions or my doctor does it gets messed up. I ordered refills 3 weeks ago to make sure they came in time for my trip, and they managed to mess them up in two ways. Prescriptions cost me $0, yet they delayed shipping because they said they couldn’t verify my payment method. What do you need a payment method for??? Plus, you have my correct credit card information! One prescription my doctor called in was a dosage increase. They don’t cover it because they only cover the tablet form. So, they call my doctor’s office and say I need “an alternative”. They didn’t say a word about tablet v/s capsules, which confused my doctor and delayed it further, so I had to get it sent to a local pharmacy. Here I am unemployed, and I could do 100% better job than these bozos.

This is a very inconsistent provider. Depends who answers and it is very difficult to understand the person, I called 4 times in less than 1 hour and all of them were the same. It was a very dissatisfactory experience and I would not recommend this insurance to anyone I know. Very terrible service!

I spent over 30 minutes on the phone with the automated system to be transferred finally to a LIVE person, then switched to three different people then back to the automated system. RIDICULOUS!!!!!!! BAD BAD BUSINESS..... I WOULD NOT CHOOSE THEM AS MY PROVIDER.

I have been put out of many healthcare establishments because my untied healthcare community plan isn’t covering a simple urgent care trip for a sore throat. I’m not spending 300$ out of pocket for a sore throat. They have switched ALL of my medication brands because of this change as well . I will not be using untied healthcare as of 2027.

The worst ever. The rides for medical have left me stranded repeatedly. As a handicapped senior they offer nothing but stress. I have to walk 3 1/2 miles home from appointment if the return ride shows up 90% of the time they are drunk or extremely high.

If I could give zero stars, I would. This company takes your premiums every month without hesitation, but when you actually need help, suddenly everything becomes “not covered.” I spent hours dealing with their system, only to be bounced between departments with no clear answers.

Customer support is incredibly frustrating—long hold times, scripted responses, and no real solutions. It honestly feels like they are trained to delay and exhaust you rather than assist you.

What’s worse is the constant confusion around benefits. You think something is included, and then you’re hit with unexpected costs anyway. At that point, you start wondering what exactly you’re even paying for.

Overall, this experience has been stressful, time-consuming, and disappointing. I would strongly advise anyone to carefully consider other options before signing up.