United Healthcare Complaints

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United Healthcare – An Evil Company That Cares for NOTHING BUT PROFITS

Dear readers, I strongly suggest that you file your complaints with your local Department of Insurance. There are also many websites which feature the inhumane, evil deeds of United Healthcare and its employees. I’d like to mention several of them as worth visiting and posting to.

More United Healthcare Complaints Boards

- Consumer Affairs
- Pissed Consumer
- My 3 Cents
- Complaints Board
- Glass Door – Employee Complaints!

UHC pays far less than Blue Cross – personal experience

Here are two quick examples of how UHC has screwed me.

1. Last year I had a basil cell carcinoma removed. That is essentially a pre-cancerous mole. The total cost with Blue Cross was two $30 co-pays (you have to have it biopsied and tested, which is one visit, then, if it turns out positive, you have it completely removed on the second visit). This year I had the same scenario. Total cost with UHC was two $50 co-pays, plus $232 in “surgery fees”. Same doctor, same everything. According to the billing clerk at the doctor’s office, this is the norm with UHC. Pay as little as possible for anything. By the way, their total contribution to the cause was $52. We (myself and my employer) pay a total of $1,200 per month for coverage for my family. When I actually need to use the insurance, they pay $52.

2. I am on two recurring medications. The monthly cost under Blue Cross was $11 for both. Under UHC, it is $27. Same medications, same pharmacy. And, to add insult to injury, I was just notified that I will now be forced to use their mail order service or they won’t cover the meds at all. It saves me a whopping $5 per month, but if you have ever dealt with these mail order pharmacies you know that they learned customer service from the same school as the DMV, the IRS, and the cable companies. I am not looking forward to this…

Oh, yes, and in case you are wondering, I am actually paying more per month for coverage with UHC than I did with Blue Cross.

Senator Udall has started an investigation of UHC

Initially posted on Facebook:

This is an update to let folks know that Senator Udall has started an investigation of UHC and thier actions on a military retiree family request.

TRICARE insurance by congressional law mandates the insurance as benefit “entitlement” to those who have suffered a disabling injury, or met duty requirements and retire from serving in the US military and protecting your country.
You are due this benefit and in my humble opinion; UHC is managing this insurance entitlement like a civilian health program maximizing a return of investment (money). I do not believe they are acting on your behalf or interest. I think they only care about the bottom line, money, not providing for you and assisting you to achieve the best care available, in my humble opinion.
The Congressional law states that TRICARE insurance is it is to provide the best health care possible to military retirees and family.
I encourage you if you are having problems and no one is listening, or helping you, to post your plight on the Facebook page, and then contact your Congressman to investigate and ensure you are receiving the care promised to you by law. In Colorado, Senator Udall is your point of contact. If you file a complaint with TRICARE it will be investigated by UHC! (surprise). Of course you can guess as to what the outcome will be.
Senator UDALL is investigating this matter for me, however you need to file with him or he can’t help you. He WILL help you.
Go to the website and you can start investigation in less than 5 easy minutes. http://www.markudall.senate.gov/?p=casework_form_standalone&standalone=1
It will only take a few complaints to have hem to see it is a very large problem requiring a full Congressional oversight investigation. Then we can get this fixed for all retires as a result of an unbiased independent investigation. Help yourself, and help your fellow warriors.

United Healthcare / Amil Complaints

Originally posted on our facebook page: United Healthcare bought the Brazilian well conceited Amil and the complains already started. I Worked at a company that was coverage by Amil , deciding to leave the company , I called Amil stating that I would stick to the plan as an individual . The same referred me to a broker who negotiated the best modality , did the contract , paid , Amil cashed my check days after signing the contract, which happened on 14 / 02 . The termination of coverage would end on 01 / 03 when it should start the new contract.
Today , 06/ 03 my wife was taking an exam and the hospital didn’t accepted, we called Amil to request understand what was hapenning and for my surprise I was informed that the plan was not in the system, I questioned that I had not received any return of the broker and my check had already been cashed. After calling broker , she went to investigate. I just received a return of the manager of the broker stating that Amil was declining the contract because my daughter 6 years old had consumed much of the earlier plan . previous contract, my family of 5 members almost didn’t use the plan . That consumption of my 6 year old daughter , it was a crisis , the first and only, acute bronchitis where she was hospitalized for a week. Then I ask Amil and United Healthcare what does It cover?, Why have a plan if a simple fact that a child be hospitalized for a bout of bronchitis is enough for AMIL deny the renew of a contract? We live in the third world and we now United HealthCare came to sell for us services of the third world, where profit , speculation and lack of scruples is prevailing more than the quality of the service.

Terminally Ill 6 Year Old – Our Battle with UHC

Posted by Jasmine:

My daughter, Kai, is a transplant patient.

We started receiving benefits through United Healthcare on February 1st. At the time, my husband was switching companies and our old health insurance, through Cigna, overlapped for a period of one month. My husband went 1099 with his company in August and we enrolled in COBRA to continue our benefits through United on Sept 1st. His company renewed the plan on April 1st.

I believe in July they started denying claims, saying that we had a secondary insurance (referring to the brief overlap, in which Cigna was used as the primary insurance). I called and explained that the Cigna coverage only overlapped because we had already paid for the month before my husband switched companies and that coverage ended March 1st. It appeared to be resolved but I’m not certain if it ever was. We were receiving $1,700+ bills at the time for my daughter’s routine lab checks, as well as denied claims for pediatrician visits, etc.

Next, I started receiving more denied claims stating that we hadn’t met our deductible. Normally, our deductible is met very early in the year due to my daughter’s very high, frequent medical bills.  I called them and they confirmed that we had not met the deductible, went over what my deductible’s were and how much I had left to pay. Confused, I started paying those bills because I didn’t have the information to refute it – the EOBs were only online and I didn’t have the log-in information. My husband had to contact his company to get it, but the business that they contracted to administer their benefits was very difficult to communicate with.

In the meantime, they also denied authorization for a surgical procedure for my son, my daughter’s medications, forced us to go with their specialty mail-order pharmacy to get the medication that is necessary to keep her alive and then made it difficult to refill on-time with no ability to escalate to any kind of manager, consumer advocate or appeal the situation.

My family and I started posting on their social media pages and I began blogging about how they were denying us coverage that we are paying $1,200/month for. Initially, United contacted my mother and asked for my contact information. They pointed the finger at their specialty Rx devision, Optum Rx. A woman from Optum called me and told me that, though her hands are bound by United’s policies, she would do anything in her power to get Kai’s medicine to her on time, even if she had to bend the rules a bit, and gave me her direct line.

Then, my daughter was hospitalized for pneumonia for about 5 days and she was denied her medication (a tier 1 antibiotic) upon leaving the hospital. I still can’t tell you exactly why or what exactly happened on the United side with that, but the discharge nurse called the Rx (levaquin, which she had been receiving via IV and it was the only antibiotic she had responded to) to CVS. When I called to see if it was ready, they told me it would be nearly $800! I called United and they argued with me, saying it should only be $10. I agreed and the representative called the pharmacy, then she told me it wasn’t covered because they didn’t have it in stock. I then called my daughter’s old pharmacist and asked him to run it for me. He also did not have it in stock but he said it would be $60 (not $10 and not $800). After contacting my daughter’s transplant team, they decided to write her an Rx for a less expensive antibiotic and hope it worked because, at that point, she just needed to get the dose on time so the the pneumonia didn’t reestablish (being immune suppressed, it can be very serious for her).

I took to social media, again, and an executive from the United Healthcare corporate office in Connecticut in the Consumer Affairs department contacted me. She offered to be my case manager. She called back a few days later to say that she didn’t understand why my son’s surgery had been denied – that my plan should cover it – and that there was no record of any attempt to authorize it (which is false because I received a letter from them about it AND wrote a letter of appeal) and they also said there was no record of my calling about my daughter’s levaquin. She sent a letter with her number and the number for someone else if I should have trouble getting my daughter’s Rx through their mail-order pharmacy. I have not heard from her since.

Finally, I went to pay bills this weekend and realized that all of our claims are STILL being denied. I called again yesterday and they said, again, that we had not met our deductible. To which I replied, “There is NO WAY.” I asked when the deductible started and the rep told me September 1st… when we enrolled in COBRA. We didn’t change our plan, it didn’t renew, we just started paying for the benefits ourselves ($1,200/month). The deductible SHOULD have started in April, when the plan originally renewed. Further more, I know we MUST have met the deductible some time ago because we also had an HRA from his company that paid 75% of the total family deductible, that was exhausted sometime between July-September (I’m still trying to get all the info together). We would have had approximately $700 left to pay toward it and I know we’ve paid significantly more than that.

I called and left a message for the executive who was at lunch when I called around 1:40pm. She has not called back. I called the number on the back of my card again and was told that, because they can’t “see” my plan prior to September 1, I am responsible for telling them when I reached my deductible and providing them with the particulars.

So, here we are. I was finally able o get the log-in for MyUHC online and review the EOBs and it’s just a complete mess. It doesn’t look like they adjusted anything from when they were claiming we had secondary insurance. The total “Patient Responsibility” listed is over 4x’s what our annual family deductible is and we have a $21,000 claim waiting to be processed with about $500 worth of bills/denied claims waiting to be paid.

Also, we have been paying for dental coverage through United/COBRA with Guardian and, although we are up to date on payments and just received confirmation of that via mail with an itemized explanation, we were told that they are denying that we have coverage at all when I tried to schedule my kid’s dentist appointment.

I have not yet had a chance to even attempt to resolve this as I have been focusing on the medical coverage issues.”

I am a mother of 3 with a chronically/seriously (and, by some definitions, terminally) ill child. I work 2 part-time jobs from home. I homeschool my children to better take care of my daughter’s health issues. I spend an average of 8-12 hours a week on the phone, trying to get the coverage we pay for from United Healthcare. They are ROBBING my family and getting away with it.

United’s mistakes

I had surgery on my knee in 2013 that involved billings for the surgeon, the surgery center, an MRI provider and a anesthesiologist. I paid my the bills from the four providers in full fully expecting that I had paid my deductible and taken care of the matter. I had a minor dermatology procedure performed 3 months latter and the dermatologist’s office sent me a bill saying that United told them that I hadn’t paid my deductible. My deductible was $750.00 and I paid $2032.00 out of pocket for my knee surgery which should have satisfied my deductible. I had to call United 3 times before I was able to speak with a representative that was able to make some sense of the problem. He told me that United had made some mistakes in applying my payments which caused them to make mistakes in telling the medical providers how much I owned for my portion of the costs. He said ” I’m sorry for the mistake” but that left me with the responsibility of contacting the providers to find out who I had overpaid and who I hadn’t. So far, I’ve only been able to get one provider to acknowledge that I over paid them when the United Representative told me that I had overpaid two. I may never receive the total amount I overpaid for my deductible and coinsurance due to United Healthcare’s mistakes. I have made a complaint to my state’s insurance commission.

WHY Is This Legal? UHC May Have Found a Loophole in Obama Care!

As you probably know, our President Obama made a new law, according to which health insurance companies CANNOT earn more profit than a certain percentage of the premiums they’ve taken form us. For example, if your group paid $100,000 in health insurance premiums during 2011 and UHC only paid  $70,000 to cover all expenses related to the group, the government may consider that their profits ($30,000 in this example) are TOO HIGH and UHC would be obligated to refund a certain part of the premiums received from the group.

Why am I telling you this? Because the company I work for happens to be in this exact position – we just received a small refund because our health care expenses were LOWER THAN EXPECTED.

Along with the refund we also received another piece of correspondence – UHC just RAISED our health insurance premiums! For me that’s an extra $100 per month, putting my total month contribution at OVER $800!!!

The reason for the raise? “Our company was TOO EXPENSIVE for UHC so they had to raise the cost”.

WHY IS THIS LEGAL?

If Obama thinks that we overpaid during 2011, WHY CAN UHC RAISE OUR PREMIUMS FOR 2013?

Not Just a Bad Insurance Company – Are UHC SPAMMERS?

Disclaimer: Unfortunately, it cannot be proven (unless you’re Google) whether United Healthcare, an agency working for them or someone else has done this, but it’s definitely helping UHC to rank UNFAIRLY in Search Engines! Look at my findings below and decide for yourself. I am NOT claiming that UHC did this!

If you are not familiar with how Google works, it’s a system which evaluates how many websites link to another site and calculates the target website’s rank based on that. So, for example, if United Healthcare wanted to rank well in Google for, let’s say “health insurance”, they would need other websites to link to them using this phrase as anchor text.

Generally, people link to reputable company websites because they like their services. United Healthcare is NOT a reputable company so what do you think they might need to do to create “high quality” links back to their website?

Buying Links From SPAM Blogs

A very popular tactic utilized by lowlife spammers – create spam blogs or rent them from other spammers in an effort to create more links. Example: http://wearetheanswer.org/ is a spam blog which looks like crap but has very high link popularity – Google might consider it a high quality link! What does UHC have to do with it? Here’s a screenshot from the site:

SPAMMING High Profile Blogs With Useless Comments

This one is PRICELESS! There are countless instances of SPAM comments linking to UHC dating as far back as several years. Whoever is doing this has been working the system big time! Let’s take a look at some of the gems!

http://www.usingmac.com/2008/1/7/mac-special-characters – Double trouble!

http://threatpost.com/en_us/blogs/spyware-found-3-major-mac-download-sites-060110 – “Larz the Real Guy” strikes again!

More samples – just search for the phrase “health insurance” and you’ll find the links (from HUNDREDS MORE!)
- http://www.thebeehive.org/jobs/job-articles/dealing-layoff
- http://www.maximumpc.com/article/features/protect_your_pc_from_guys_like_this?page=0,4
- http://becomehealthynow.com/vblite/showthread.php?t=977

Could You Report United Healthcare to Google?

If you think that United Healthcare is crossing the line with these Immoral(illegal?) Marketing Practices you are free to report them to GOOGLE! If enough people send reports, United Healthcare might stop ranking so highly when employers are looking for health insurance options in Google!

United Healthcare and Take Care Clinic (Walgreens)

Letters of Warning about Walgreens Take Care Clinic sent to Illinois Dept of Insurance, SHIP, Senior Services Plus, Attorney General for exploitation of Senior Citizens, Senior Advantage, IL Dept on Aging, 912 Super Seniors, AARP, President of Walgreens Gregory Wasson, Patriot Network, American Senior Association, AMAC
This is a warning to Senior Citizens regarding what is already happening with our health care.
The following is an account of what happened when I wasn’t covered for an urgent visit to Take Care Clinic run by Walgreens. This is what I sent to the Insurance Grievance Committee:

I have been sent to the Take Care Clinic in the past when my Doctor couldn’t see me . It was usually a case of some type of infection that needed to be treated and an emergency room wasn’t appropriate. As a result of the Doctory having me use this service, I would go to the Take Care Clinic when I needed some treatment that shouldn’t be left until my Doctor was able to see me. In the past, I would make a co pay and my insurance would pay the rest. Now due to the restrictions already in place with the Presidents anticipated Obamacare, the insurance companies are clamping down on what they will cover and the providers are not informing Senior Citizens about this. In addition, they do not respond to the inquiries by Seniors for the bills they receive unless the Senior raises a real fuss and gets the advocates involved. Below you will see a letter I wrote to the Insurance Company regarding this. Copies of this were sent to Walgreens take care clinic and to the Government assistance for Medicare recipients.

This is in response to your letter of 8/14/12 that I just received today, four days after your sending it.
I am disputing an action to dismiss this appeal because the delay was caused by Take Care stringing me along every month when I called them. I called them each time I received a bill and was told that they were working on it. They even promised to accelerate the claim. I didn’t find out until two days ago when I called and faxed the supervisor that they do not code visits to Take Care as urgent even though it was an urgent visit.

Needless to say, I am furious at their stall tactics. I went to that Clinic because it was on the weekend and at the time my Doctor didn’t have an answering service. I did try to call him. I was concerned that the eruption on my face which had grown in size and became inflamed was Mersa.

I extended all efforts to get this resolved. I wrote to the Dept of Insurance, SHIP, the Vice President of the Company, the insurance company and Take Care. I faxed the letters plus additional proofs of my efforts. I am a senior citizen living on moderate Social Security $16,000 a year. I have to be very cautious with my expenses.

Note that the first statement of benefits from United Healthcare showed I was covered. It wasn’t until the next month I got the bill from Take Care. I called the insurance company. They said Take Care needed to code it as Urgent Care. I called Take Care to tell them that’s what they needed to do. I gave them the provider number for United Healthcare so they could call them. They agreed to do so.
I am including proofs of all my efforts. With these it is apparent that the delay in my grievance is the direct result of Take Care stringing me along month after month. Now they tell me they never code as Urgent Care.
I am sending copies of all of this to SHIP and the Illinois Dept of Insurance. I am also sending all of this to Senior Organizations in order to warn Seniors about this Scam. In the future any emergency I have will wait until my Physician is in his office. I will not sit in the waiting room of emergency with sick children running around. The immune system of the Senior Citizen is not as strong as with a younger person. If I go to emergency, it will be in an ambulance. I urge you to reconsider your decision.

Boycott United Healthcare

Please forgive me but I am going to vent a little. I am 56 at this time. I’ve just been denied for a policy that I would pay $300.00 per month in premiums with a $12,000.00 deductible from United Healthcare. Over the past ten years or so I paid United Healthcare approximately $36,000.00 under a group plan. They have paid approximately on the high side to be fair about $4,000.00 in claims. I take two drugs for depression. I get my drugs from Canada. In the US on United Healthcare the real drug (not generic) would be $800.00 per quarter. When I purchase them from Canada and have my Doctor fax them my prespription I pay $150.00 per quarter. Significant cost savings. I recently resigned my job and went to apply for Insurance through United directly. I was declined due to the depression. I’ve never been hospitalized and my Doctor tells me it is a chemical imbalance because they could not put a name to the problem. There is nothing else wrong with me.  I’ve not even been to a Physcian in 3-5 years for a cold.  I’ve hardly used the Insurance I had in the past. They as a company are on the up side of the dollars I’ve paid in and the dollars they have paid out on this challenge. I see the Doctor quarterly for medication management. It costs them about $85.00 per quarter and I pay the Doctor a $40.00 co – pay plus the cost of the Drugs. In essense from my perspective I’ve paid them $36,000.00 and they have declined me because they might have to pay out for these insignificant claims.  Please remember I would have a $12,000.00 deductible with the policy.  It does not even seem good business from my perspective. I’ve never been denied before, and I really believe they are looking for any reason to deny people. Please consider Boycotting United Healthcare.  Thanks for reviewing my post.