Name: UnitedHealthcare
Rating: 3.2

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Bob Thorson New Port Richey, FL

After receiving LTD for about a year, I just received a letter that they wanted almost all of the money they paid me returned. $27650.00! When I was injured at work, I received STD for about 6 months and when that ran out and I could no longer work at any light-duty posts at work, I was forced to choose between retiring early or being terminated and losing my health insurance benefits. I chose to retire early. I could still survive but it would be tight. I got a call from UHC Specialty Benefits who handled the STD claim. She was asking me about LTD and I told her that I just put in my retirement papers so, thinking that was going to be the end of our conversation, she went on to tell me that I could still collect my pension and receive LTD up to 100% of my Pre-Disability salary. I said, "Sign me up!". Big mistake. After a year I got a letter stating that they had made an error and my pension offset my LTD payments and they overpaid me over $27,000. That was roughly 80% of what they actually paid me. So now that I had already spent the money, I had to borrow from family and they have made my life very difficult. I have no legal recourse since I guess it is in the policy that they can do this. They are the most dishonest,deceitful,incompetent boobs I have ever dealt with.

7 years ago

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Adam Tinley Park, IL

Quite Easily the worst healthcare provider I've had to deal with. Every other site also has hundreds of reviews that would agree with me, this is the only site I've found to have positive reviews which is weird to me. To start this, I have an HMO plan. So i expect to jump through a few hoops to get coverage on what i need. This being said, this has been the most backwards healthcare I've experienced. Expect to call their customer service department every other day to make sure your procedure approval isn't dropped or on hold. I was told they have received my lab results and the approval process is pending and it will take 10 days to process only to call back the next week and learn that those lab results are not in their system and that they have not received them at all. The nurses from my healthcare provider have said they've never had any other issues with this procedure from any other insurance provider. This is the third terrible experience I've had with them in a few short months. I cannot put any more emphasis on how mismanaged and unorganized United Healthcare is. I will be moving to my wife's insurance no matter how expensive it is.

7 years ago

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JC Leesburg, VA

UnitedHealthcare Health Insurance review Attention Women With Breast Cancer...UHC is NOT behind women with Breast Cancer and will fight you every step of the way NOT to pay when you have exhausted every provider they insist you see. I thought our company had excellent coverage and pay a very high price for it for each of us and now to only learn when it comes down to pay for services they will run the other way...Even our insurance broker is at a loss for words as to how I have been treated with my breast cancer...To the point where we have had to file a formal complaint with the Virginia Bureau of Insurance and the Virginia Department of Health!!! UHC will continue to put you through more hardship then just the pain of your cancer and treatments you must go through!!! I am fighting with every ounce of energy and life I have left in me for my care and it is falling on deaf ears. UHC only cares about their bottom line and not patient care!!! Additionally, don't even bother with their cancer support program...useless and a total waste of time!!!

7 years ago

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Dana

Do NOT under any circumstances sign up with United Healthcare. First of all they have hardly any providers in network and you are forced to pay $75 instead of the $45 in network price. If you want to get an approval to go to an out of network as if they’re in network it takes a minimum of an hour and a half on the phone to get that approval. Then when your provider calls to get the approval they say they have no record of it. This happens over and over. They recommend Drs. as being in network and then you get an expensive bill a few months later because the Dr. actually isn’t in network. They tell Drs. to bill you for copays you’ve already paid. They don’t pay for services they’re supposed to pay and you have to speak to person after person and each one tells you something different. As you can probably tell dealing with UnitedHealthcare’s mistakes becomes practically a full time job. They are an absolute nightmare. Stay away!

7 years ago

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Katannmag Austin, TX

THE ABSOLUTE WORST, DO NOT BUY THEIR BAD INSURANCE. First, super expensive premiums. Second, denied payment of medically necessary tests (MRI) that were ordered by Dr. - this was NOT an elective test. Third, they have an arbitrary and mysterious system for applying your out of pocket cost to the deductible, which is never explained. Out of $3,000 I had to pay out of pocket, only $500 was "allowed" and applied to my 3,000 deductible. This is really the worst thing since it makes this company a fraud, actually scamming us. Under their scam system, no one will ever reach their deductible or out of pocket maximum, and they will NEVER pay your health costs. Which is what is happening to me. We have been bleeding money since we've been on United Healthcare, and we can't wait to get rid of them. Plus customer service is some call center in the Philipines and you can never get a manager or anyone who is senior on the phone. Get the picture? Horrible.

8 years ago

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Alisa West Chester, OH

Per the ACA every expecting mother is able to get a breast pump covered by insurance. With my plan I am able to pick any pump I want and be reimbursed. Almost 4 months later and they are still having me the run around. First they didn't like the way Walmart had "med pump" on the receipt and wanted a letter from Walmart (which Walmart said they aren't allowed to provide), then they wanted a picture of the product with the upc, then they needed a tax ID number for Walmart (guess they couldn't figure out how to Google themselves), then they told me they needed more information from me but couldn't tell me what info they needed and now, after THEY recommended I buy it at Walmart , they are saying they won't pay for it because I had to buy it from a medical supply company, not Walmart. No one seems to know what they are doing there. If you have a choice, go with another insurance company.

8 years ago

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Ehla Springfield, MO

HORRIBLE SUPERVISOR BECKY K 154 My son has medicaid and he had an appointment to bee seen by his dentist. We don't have dentists nearby that accept Medicaid so I had to schedule transportation services, considering that I'm disabled myself and that the facility where we had to go is an hour away. So I did, I called Medicaid and they booked the service for the right day. However, they called me back the next day to tel me that I had to book it through United Health Care and that's when my nightmare started. So I called United and they told me that because it was not a medical emergency, they couldn't book the trip, that it was too late. I explained to Dotty H and Becky K that the delay was because I was not given the right information and that I couldn't reschedule the appointment for a near date, considering that they take forever to schedule an appointment for Medicaid patients. I also explained to them that even when it's not a life threatening event, my son has a real problem with his teeth and that he also had already a cavity but they just didn't care at all. I'm changing my son out of United Health Care because they are actually United We Don't Care. All their customer service people are trained to not give their names and their service is all but caring. Very horrible and frustrating experience. That's when you see a different treatment when you're a disabled person who sadly depends on Medicaid.

8 years ago

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Kent Jensen Newberg, OR

Cann't seem to get our policy correct in their system. Insurance cards and plan summary show $30 co-pay. On the back end to the doctors it shows $60. United claims it was human error on data input on their side when processing specific claims. Still have not resolved after 3 months. how does it take that long to correct a human error and why do all of the doctors office my family visits still show the $60 co-pay? That is not a problem with one claim, that is a system problem.

8 years ago

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MedDesk Miami, FL

Having worked in the medical field for many decades, I have personally dealt with dozens of health care insurance companies and medical plans. United healthcare is the scum-of-the-earth. Poison!! Literally, dealing with UHC is like dealing with organized crime. We're in South Florida, a location in which UHC has more than 20 different lines of insurance. Physicians' offices are fleeing UHC like rats from a sinking ship. The reason: UHC cheats, steals, and conducts themselves in a disgusting manner. Our office, long ago, quit/disenrolled as contracted "providers" with UHC (Reason: We got tired of all of the dishonest conduct. They were absolutely impossible to "work with"). More recently, UHC acquired a "good plan" that we do participate in. Now, in a few short months, this health plan is awful -- doctors, patients, and anyone else that I've spoken to hates it. Example: The surgical practice than I'm in knows all too well exactly how to submit any/all documentation for surgery preapproval/preauthorization -- we now have dozens of claims, for 100% fully preauthorized surgeries, in which (after the surgery) UHC "denies" the claim and does not pay-the-contracted-rate for the bill, and instead requests "documentation" (i.e. the EXACT SAME documentation that had already been submitted before the surgery, in order to get a preauthorization). It's shocking to me that this type of willful, criminal conduct is tolerated and sanctioned. UHC should not be allowed to conduct business in the State of Florida. Their pattern of abusive conduct is nothing short of willful organized crime. (Note: I certainly would have "rated" UHC as "ZERO Stars" but it was necessary to fill-in at least One Star to submit this completely honest and accurate review).

9 years ago

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PAUL MALEY

When I signed up for this product after continuous emails every week from AARP I assumed I was getting a tried and true product. But ever since that day I found myself with NO health care for 3 months due to a mistake by the person who processed my enrollment. During that time I saw a doctor for diabetic care on Jan 18, 2016 and incurred a bill for $198 which even UHC agrees they should have paid. However, after 18 months it remains unpaid by them and due to a series of processing errors or whatever they call it, I still have not been reimbursed for that doctor's visit which I paid myself since they threatened collection. Their blunders include the following: 1. indicating I would have coverage beginning Jan 1, 2016 after I moved from TX to AZ (not true) 2. telling me the doctor I saw on Jan 18, 2016 was enrolled in United Health Care (not true) 3. forcing me to lose effective coverage between Jan 1 and Apr 1, 2016, then admitting they messed up many months later and making it effective retroactively in Nov 2016. I would have had 2 months of extended coverage by my TX HMO except I was serviced in AZ and they do not cover service out of TX. 4. Even after this retroactive coverage, they have failed to reimburse me after 8 additional months after agreeing they made the error. They keep making excuses. As of July 10, 2017, their medical group is still processing it. This is a case seemingly without end. Based on my experience, beware of signing up for this product! It is to be fairly noted that the coverage was good, it is the reimbursement for expenses that they cannot seem to process properly or expedite.

9 years ago

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Pankaj Stamford, CT

I am Health Insured through my company with UnitedHealthCare Since April 1st 2016 till March 31st 2017. I reached maximum out of pocket December2016. After I reached maximum after of pocket, insurance company was liable to pay for my bills. After I reached maximum out of pocket, insurance company started denying treatment back to back. I was diagnosed with sleep Apnea in month of January(my insurance expires in March'17). From doctors stand point I was supposed to start using sleep CPAP machine but insurance company denied to provide me treatment. They told me that I don't meet the criteria. When I asked if I don't meet criteria then what is the treatment, I was told that they don't know, I should check with my health provider. My health provider consistently kept saying that you should use sleep cpap machine. Insurance company asked us to re-submit the results, my health provider did that but they again said that they will not look at the new results. I went back and forth multiple times but they were non- cooperative. They kept killing time so that next year starts and they can save money. I was not treated well, They also denied varicose veins treatment to my wife. Thanks PB

9 years ago

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Jillian Perry Warwick, RI

We had United Health for a limited time THANKFULLY! Their customer service is horrible - for a simple question you get bumped around and it can take upwards to an hour for an answer. What drove me to writing this review is their policies. I needed a proof of insurance letter to dispute an ER bill for my toddler that United should have taken care of. After requesting the letter I was told it would be 10-15 business days before it got to my address. After 30 days (today) I called back to see if A) it ever went out and B) if they can resubmit me a new letter. After being asked if I "check my mailbox sometimes" (crazy thing to ask since I'm calling to say it never came in) I was told it would be another 10-15 business days!! I asked for it to be e-mailed and they said they were unable to do so due to security measures (I understand this although a proof of insurance letter really should only have my dates insured and the name of the person so i'm a little confused as to how that breaks my security but whatever) The next alternative they offered me was for it to be faxed....this I was happy with - except for the fact that it would take 3-5 business days! This is not a joke but yet oddly hilarious that we live in an era with all this technology and to push a button to send a fax it will take 3-5 business days. I'm dealing with it. I'm waiting for it. And I will NEVER intentionally subscribe to go through any of this aggravation with this insurance company again!

9 years ago

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Chris Frost Marion, IL

UnitedHealthcare is the worst insurance I have ever had. They are denying my blood pressure medicine. I then sent an appeal for which they also denied. Telling me what medicine I should take as they obviously know more about my health than my physician. They do not mind signing the $600.00 a month check though. I am not asking for something frivolous. I am asking for a blood pressure medicine I have been on for 5 years. They are also denied a diabetic medicine a co-worker takes. I will have paid out of pocket $4420 for an insurance that has paid $0.00 in health benefits to me. At this point I am in no benefit from keeping this horrific excuse for a health insurance company. I do however have some recourse. I am an IT Director. I will make it my mission to post this same response on message boards, blogs, websites anywhere there is public viewing. You are a disgrace. Dening medications that people need to surive to prevent strokes, heart problems, Diabetic coma. I suppose all of these would cost less. Well you would just deny those claims as well. UnitedHealthcare CEO Stephen Hemsley took home over $66 million in 2014. UnitedHealthcare made $130.5 billion. Yes that is billion. I suppose denying claims and medications are a good business. I am in the process of appealing with the Illinois Department of Insurance this should give them a little more time to pocket a few more dollars of mine. Mr Hemsley needs a new yacht. I will try and keep from having a stoke as I cannot pay for my medication. Go look at their facebook page. There are nurmous subscribers getting their claims / medications denied. https://www.facebook.com/UnitedHealthcare/

9 years ago

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Aricel Westfall Slocomb, AL

Super helpful. The lady I was emailing to set up my new insurance was incredible helpful and made the process so easy. I simply told her what I needed and she was able to set everything up for me.

4 years ago

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Rod Jorgensen American Fork, UT

It’s very easy to work with and user friendly. I can find what I need to know about anything I am looking for and in very little time and for me that’s what I need when I have to get going.

4 years ago

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Ron Thurgood Denver, CO

I have had UHC for 15+ years. Overall, I have been happy with the experience. We have had babies, many surgeries and just general care. I have not had many issues with claims or the processes.

4 years ago

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Greg Francis Saratoga Springs, UT

Health care is an essential part of life, and United Healthcare has been part of that process for many years. While I am not a fan of dealing with Insurance companies, UHC has done a solid job in handling my claims. I do think their website, with claim details, and benefits is the most comprehensive I have used.

5 years ago

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daphjohnson Saratoga Springs, UT

I have loved United Health Care! They have a lot of providers and offer great plans for me and my family. After dealing with hip surgeries, car accidents, ER visits, and pregnancies, they always take care of us.

5 years ago

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CoachTrista Englewood, CO

I love the plan options I have with UHC. They are the most complete and comprehensive health care our family has ever had. They have helpful programs that can assist with finding providers and plan benefits.

5 years ago

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Brendon Haacke Kuna, ID

UHC has been solid and consistent. Claims are processed efficiently, correctly, and no need to fight for what is covered or not. They are much better to deal with than Blue Cross.

5 years ago

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Hailee Coleman Columbia, MO

I had knee surgery, and this insurance saved my parents so much money! Did not owe a penny after my 25,000 dollar surgery. Just paid copays for physical therapy! Overall amazing insurance!

5 years ago

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LBishop Logan, UT

I wish they had better coverage for mental health help. I have been trying to find a counselor for teens. There isn’t very many counselors that are covered to get them in to see when it becomes a crisis. More coverage of counselors would be great!

5 years ago

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Kibitzie Columbia, TN

I like the coverage but I pay way too much for it. the prices keep going up and up. I have this through my job. It does offer things like free gym and ways to earn "dollars" and other free services and discounts but still. the price is just ..a lot.. Not as bad as other companies but still. I shouldn't have to pay so much out of pocket when using their services for dental and health care. Maybe they should try bundling their insurance since some people have more than one of their services.

6 years ago

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Sks1969 Carlisle, PA

We have had United healthcare for a previous employer. Although we understand that it is the employer the pics the benefits and not the insurance company, it seems like the insurance company always wanted to argue if they thought a procedure was necessary etc.

6 years ago

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Cynthia Humphrey Wichita Falls, TX

Ong what is this in network but not tier 1. The difference is paying an office visit copay or having your entire visit go to your deductible and you unexpectedly get a bill from your provider. Only uhc understands this stuff and doctors think they're sitting pretty until you inform them that they are not. My pcp comes up at the top of the in network provider list whether I filter for tier 1 doctor or not, but she is not tuer 1. Ironically the only one in her practice who is not, but the most highly rated on their site. I'm appealing the claim. Even the insurance department and credentialing staff had no clue what I was talking about and they were just as surprised as I. Check your provider carefully, as for me I want to go #back2bcbs!

6 years ago

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Rob ,

We have been with UHC for 4 years with our company and I have been extremely impressed with their service and handling of claims. Customer service and sales are very efficient and easy to work with.

6 years ago

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Tiauna Anderson Salt Lake City, UT

We've used United for years and they've always done a good job with our insurance needs! My daughter's Pediatrician had a hard time finding our coverage and the customer service team jumped on the phone with them immediately and got me all taken care of. I definitely appreciate the personal touch they give!

6 years ago Edited September 14, 2021

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Dre35 West Valley City, UT

We've been pleased with the service that UHC provides. We use the HDP which works fine. All of our claims are processed quickly, and the app is intuitive. User friendly, and even allows me to sync my HSA account to it. I can also use my app to see and present my insurance card.

6 years ago Edited September 14, 2021

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HardRock65 Stockton, CA

United Healthcare has been my health insurance provider for going on 10 years now and they always pay claims I’m a timely manner and I have yet to have them deny a needed service or medication .

6 years ago

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Brittney Miskin Riverton, UT

Good health care option with a lot of added benefits. They have great programs that you can be involved in such as fitness plan and healthy eating as well as having the option to phone into a doctor or nurse when you are sick!

6 years ago

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Rick Austin, TX

We have the All-Savers product. Good network of providers. They pay their bills timely. Love their UHC Motion product which rewards individuals for the steps and type of steps taken during the date.

7 years ago

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Jaime American Fork, UT

United Healthcare is what my family's current health insurance is through. I've been happy with how easy it is to access our account information (like deductible status, explanation of benefits, etc) online. Their website for members is very user-friendly and easy to navigate.

7 years ago

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Miles Strother American Fork, UT

UnitedHealthcare is provided through my work and provides a great deal of resources for relatively cheap. It's online setup process was simple and provides plenty of resources for any of your normal health insurance needs

7 years ago

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Paige Baldwin Wellsville, UT

We have to change our insurance frequently due to my dads job but United is a company we stuck with for awhile. They had great coverage, affordable, and good customer service. We were sad when we had to change from them

7 years ago

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Rosann Stanko Logan, UT

We love United Healthcare. They are prompt with their correspondence and the customer service departments are helpful when I have a question. I just wish they would pay more of the bills because we often end up paying a lot of money for some of the procedures.

7 years ago

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Whitney Stanko Smithfield, UT

I’m under my mother. But I’ve had to deal with them on my own when it came to coverage out of country, more medication for leaving country, etc. they were always so willing to help me and explaining things so well. I really like them and there coverage plan we have is good! Highly recommend! Customer service is awesome!

7 years ago

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betsy fowler Lehi, UT

I guess i am still miffed with how expensive healthcare has become in the United States. I pay over $800 for myself and my newborn per month. That's a huge chunk of my paycheck! That being said, i have had a good experience with United this year. Thankfully they covered a large portion of the hospital expenses for the birth of our baby. We will certainly hit our out of pocket max this year.

7 years ago

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Amanda Olsen Eagle Mountain, UT

UnitedHealthcare is a great insurance company. I love how easy the website is to locate many providers in your area. It also gives you up to date information regarding EOB's and what is expected to pay for your portion. Their billing representatives are courteous, helpful and informative.

7 years ago

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JAKE American Fork, UT

We enjoyed having United as a health insurance provider. They were easy to work with. Their website and app make things very easy to be able to see your explanation of benefits. It was very nice to be able to easily look up remaining deductible and claims processed. Would recommend United to others.

7 years ago

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Erika American Fork, UT

We had a great experience with United. Their customer service was good and we never had to wait that long when calling in to speak to someone. Their explanation of benefits they always mail help a lot to make your charges clear. Also like really like their app you can use. That helped very much.

7 years ago

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Sunny Perry Springville, UT

UnitedHealthcare is a great insurance and has helped my family in a bunch of different situations. The company is very reliable. I can't say one bad thing about them. Awesome company; great service!

7 years ago

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Hannah Thompson South Jordan, UT

My parents pay for my health insurance but when we go to hospitals or clinics they rarely don’t have united health care. By fall of every year we reach our deductible so health care is free for a couple months for us. They fit our families personal needs! Overall very good healthcare.

7 years ago

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Lindsay Fritts San Diego, CA

I had United Healthcare when I lived in New York and I was pretty happy with them. I was able to pick which doctors I wanted to see, didn't need to get referrals which was great. I didn't love their platform for finding doctors- I ended up at some random places that I definitely never went back to.

7 years ago

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Sheryl Sabal Gilbert, AZ

Overrated and expensive. High co-pays...Maybe it’s my plan. Customer service wasn’t very helpful when I called to ask about my benefits. Long wait time when calling the customer service line. I’ve waited almost an hour then got disconnected and had to start again. Frustrating for someone with a debilitating illness that’s seeking medical care.

8 years ago

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mgillings

We have recently had a lot of medical problems that have required us to see multiple specialists. It could have been a very frustrating process, but the CS reps at United Healthcare have helped me navigate all of the pre-authorization and referrals required to get into providers in a timely manner! They have been so helpful at this stressful time!

8 years ago

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Amber Saratoga Springs, UT

United Healthcare has a convenient website where you can look up your account and the accounts of your family members and manage claims for all of them in one place. That has been extremely helpful for our large family to be able to keep track of everything.

8 years ago

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Lisa West Jordan, UT

I have United Healthcare for my medical insurance. They are very prompt at paying claims. I have not had any issues with denials or refusal of services. They are a great company.

8 years ago

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LAURI J CLARK Lindon, UT

Our family has been covered under United for about a year now. I have appreciated their customer service. They are friendly, quick to answer questions and kind. Because we are new I have had a lot of questions but I have always been treated with respect.

8 years ago

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tini mapu Orem, UT

I had this insurance for less then two years then I got a letter saying they were no longer going to be with my company. I was bummed because I hate switching to other insurance companies, it's a hassle and a lot of work. They were okay for the short time.

8 years ago

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NT Pleasant Grove, UT

monthly fee was expensive. my employer was taking out almost $650/monthly for a family. deductible and out of pocket was expensive. physician i had for many years was not in network. this was the only insurance my company at the time provided. the copay was high, cost of prescriptions were higher than other insurances. i was happy when i didn't have to carry this insurance anymore.

8 years ago