Molina Healthcare

I have Molina Marketplace and, miraculously, everything is out of network with them. I need imaging done on my knee, and Molina won't cover the expenses on their end. I can't afford $1,000 or more for services. Molina is the absolute worst insurance out there.

Less than 1 star! January 2025, deny coverage for Fasenra shot for eosinophilic asthma. Then go ahead and cover the shot for 1 month. Then deny again at the next refill. This company is now requiring an additional medication not prescribed by my physician in order to obtain the Fasenra. The out-of-pocket cost for the Molina 'prescribed' medication is over $600 per month. Can't get the Fasenra shot without the other medication prescribed by the insurance company? Molina Marketplace Texas is not worth the monthly cost.

Molina Healthcare is a joke. I have requested a new ID card three times, and nothing has come of it. They never sent my healthy rewards and do not return phone calls as promised, switching me from department to department.

When we had WellCare of NE, this NEVER happened! The state needs to end its relationship with them, as this cannot be acceptable. Please, if you are having problems, report them to Access NE at 800-318-2596.

They deny all medications prescribed by the doctor; they are a joke. They should be sued, and the state should not permit them to conduct business within its borders. They are terrible, awful, horrible human beings who don't care about people, only money. Do not get this insurance; it is terrible.

I was prescribed medication, and they made my doctor jump through hoops. It took them almost three months to approve the meds. Then they backdated the approval, causing me to spend more time on the phone getting my last month approved. They don't care about the people they cover. They even made me go through a pharmacy they approved instead of the one in the same building as my doctor. Their customer service is a joke because nobody gives you the correct information. The entire ordeal with me getting my meds was only taken seriously after two different complaints I filed against them with the insurance commissioner.

This game offers no advantage; they promise $100 for over-the-counter meds, but you have no choice as they're their own unknown, specific items. It claims a $75 grocery benefit, which is not a benefit but a headache. You have to go through a lot of items you don't even need at a specific store, then give up and go home. Also, there is a co-pay for medicine. Please don't get that insurance without studying and gathering enough information.

Worst experience I ever had from the start of 2025. I had to cancel an appointment because two Molina representatives were unable to answer how a particular service is billed.Their automated phone system is a third world standard. Everything with their plan is super complicated. They should not be on Health Market Place leaching on taxpayer funds.

This is the worst insurance company I have ever had to deal with. They do not value patients' lives. They would rather let a patient die than take care of the needs of a patient. I have tried for two weeks to get home health and was finally told today, two weeks later, that I do not have a company that will see me because I do not have Medicare, for which I do not qualify. I have worked for two weeks trying to get wound care, and they have just thrown me under the bus. Case manager Sara Lawson wanted to just make excuses for why the company is playing with my life. They have discriminated against me and do not care about my life. This is a horrible company with horrible communication skills. They will let you die before getting you any help. I do not appreciate being discriminated against, especially when it comes to my health. This company is just out to get people's money and does not care for their patients as should be done.

I tried to use it for the first time just for my son to go to the dentist, only for the authorization line to tell the dentist I had no insurance for my son. Yet, I called Molina in the dentist's office and they told me he was fully covered and had zero idea how to help; literally, they had no idea what to do. The dentist refused to see my son since the dental line continued to state I had no insurance. I spent over $800 on this plan so far and literally have nothing to show for it. Oh, and now I've lost out on work and two hours of my life. I literally have no idea what to do; no one has an answer when I call.

Based upon my limited experience with Molina, it is a remarkably disorganized Healthcare insurance company.

In November 2024, I enrolled in Molina Healthcare for 2025 because my prior insurer discontinued providing policies in my jurisdiction for 2025. At the time of my enrollment, I paid my first month premium for January 2025 and enrolled in autopay, thereby authorizing monthly payments from my US Bank checking account beginning February 1, 2025.

On Feb 1, 2025, I received an email from Molina stating my autopayment had been successfully processed from my US Bank account.

Three days later, on Feb 4, I received an email from Molina stating my autopay had been cancelled with no stated reason. I immediately called Molina, waded through its automated voice system and spoke with a representative. I asked why my autopayment had been cancelled. The Molina customer service representative stated he would transfer my call to someone who could address my concern. When he transferred me, the call was disconnected. So I called back, waded through the automated system, spoke with another representative, who transferred me and disconnected me. I called back and was disconnected for the third time and was disconnected for a third time.

On my 4th call back to Molina, I was finally able to speak with a representative who stated my bank had "blocked" the autopay. So, I authoized immediate payment from my Mastercard credit card for the Feb premium and reestablish autopay with my Mastercard.

I then called US Bank to inquire why it had blocked the Molina autopay. The US Bank representative stated: 1) US Bank has no record of Molina ever attempting an electronic withdrawal; 2) I have more than sufficient fund in my account (greater than $21,000) to cover a $1200 withdrawal; and 3) I have no holds or limitations on my account.

I reviewed my Molina online account, which expressly stated the withdrawal attempt from my US Bank account was denied because "the receiving entity did not have ACH authorization." In other words, the Molina online account stated the funds could not be obtained from my US Bank account because Molina ("the receiving entity") did not have proper authority to obtain funds electronically.

The next day, on Feb. 5, I received an email from Molina stating my autopay was denied due to "insufficient funds." This statement is patently false because: 1) US Bank confirmed I had far more funds than was needed for the monthly insurance payment; 2) the Molina online account expressly stated the funds did not process because Molina did not have ACH authority to receive electronic funds; and 3) US Bank has no record of Molina ever attempting to process payment of my monthly insurance premium from my checking account. Moreover, the Molina email of Feb. 5 threatened to terminate my insurance for non-payment, even though I made payment through my Mastercard the prior day. I immediately called Molina, again waded through its automated voice system and spoke with a billing department representative. The Molina billing representative confirmed I made payment of the February premium and I have a valid and active autopay through my Mastercard. To her credit, on behalf of Molina, the representative did apologize for the numerous errors and inconvenience they caused me.

This whole experience has been extremely frustrating, to say the least. Unfortunately, I am stuck with Molina for the year and can only hope it does better in the future. Sadly, I have serious doubts.

By far the worst insurance! Please think before getting this insurance. I have never in my life had to pay a copayment of $40 to see a doctor. Then my doctor gave me a referral for a mammogram, and they denied it twice. They deny everything. I went to urgent care where my copayment was $15; even the guy at the front desk was surprised at how high it was. He was trying to figure out why it was so high. Every time I visit the doctor, I get a bill! I have so many medical bills they did not cover for. They refused to pay for labs! I have to pay so much in copayments to pick up my medications, which are vitamins and migraine medication. They are the worst! Since Affinity was sold to Molina, it's been terrible. I'm happy I got out of this insurance.

Unfortunately, this is my insurance. But I might as well not have any insurance since no doctor accepts Molina, and they deny all my claims. The numbers they provide for supposed doctors that accept this insurance don't work, and when you call, you get some indifferent person who gives you the generic spiel about fixing the issue, which never gets resolved. I'm paying out of pocket and plan on canceling this insurance next week as there's no point in having it.

They are the worst! Beware, folks. Mindy, a case manager, is even worse! She took away a day of home help from me because I can still take care of my own hygiene needs. Now I have to pay out of pocket $40 a month to have the help I need. I worked over 30 years, and now they won't provide me with what I paid into for all those years! Plus, I have two outstanding bills for blood work and X-rays because a lot of places won't accept their insurance. How sad is that? Stay away from this insurance; it's the worst. They only care about keeping their profits. Shame on you.

I am irate. This is ridiculous. We have had issues with you from Day 1. We have been trying to get my youngest son with autism authorized for ABA services and this has been almost 2 months now. What is going on?

Molina approved my out-of-network referral for a neurosurgeon, then approved his request for new MRIs, then approved a vascular surgeon at the same facility, and then approved pre-op blood work. They then texted a letter of approval for surgery and sent 7 letters in the mail confirming my surgery scheduled for October 24th and 26th, which I confirmed with a verbal phone call before making all arrangements to have spinal fusion surgery. I arranged transportation, after-surgery care, and purchased necessities. I got the pre-op lab work done and now, 8 days later, my surgeon has been notified that my surgery is not covered, even though I have all the approval letters. I'm now dealing with an appeal. This is the worst insurance ever! Don't use them. This is the worst experience I've had with them, but I've had plenty of others as described in other reviews about how they never document calls, take notes, or return calls. Awful! There needs to be a negative star rating here.