United HealthCare

My husband and I signed up for one of the Medicare Advantage plans in August 2025. I received my coverage card, but my husband did not. When I called, they had no record of an application. The next time I called, they had an application but couldn't talk to me because the address I gave didn't match what was in the system. My agent called them, and they asked her to submit another application, which she did. At this point, 3 applications, 3 escalations, and still no resolution. In the meantime, my husband has no health insurance coverage. I was warned not to go with United Healthcare because they had problems resolving customer complaints, if they were resolved at all. My advice is to sign up with them at your peril. This is not a good company you should trust with your family's healthcare needs.

Can't wait to get out of UHC

Things that are supposed to be covered - such as prescriptions and standard care activities - are NOT actually covered. UHC sets up obstacles like forms, price caps, and other impediments so that pharmacies and providers can't meet the pricing, file the correct forms, etc. The result? I am paying out of pocket, delaying care, and wasting hours - several days in total - calling other providers in their network for better options. I have found two types of options: high ratings and concierge only, or low ratings. The $800 I am sending monthly is 100% a waste of money. Their own website provides an inaccurate list of PCPs; it included a kidney specialist, a nursing home, a neurologist... as if these are appropriate contacts when in search of a PCP. I have found nothing positive in this experience. Never again.

United HealthCare for Medicare recipients to receive help over the helpline, IMPOSSIBLE. It is outsourced to another country. Agents are ignorant of how to help, obviouslynot well trained. Ive never received a compotent answer. Thank you, United Healthcare for caring so little about the seniors.

A confusing array of services with a useless website to aggravate you through all its inconsistencies. Speaking with someone on the phone is equally unproductive, as they will give you different answers on different days.

I find the visits from the visiting healthcare provider very comforting and they give me good suggestions and help. I'm not sure why anyone would not want this valuable resource!

Do not under any circumstances choose UHC Medicare Advantage Plan or any Advantage Plan as your primary coverage. Choose Medicare (Red, White, and Blue) as your primary, then purchase a Supplemental Plan. My mom has been through denial after denial for needed care and therapy. It's a complete rip-off for seniors!

This company is incredibly predatory and untrustworthy. Without any prior notice, they terminated our health insurance policy, leaving us completely uninsured and vulnerable. We received no communication, no warning, and no opportunity to address any supposed issue before our coverage was cut off. Their lack of transparency and disregard for the well-being of their customers is appalling. Health insurance is supposed to provide peace of mind — instead, they created unnecessary stress and hardship. I would strongly advise anyone to think twice before trusting them with something as important as their health coverage.

Greedy and dishonest company. I cannot say enough about what a terrible company this is. I would never condone any type of violence, and I am very sorry it happened, but I was not surprised to see that someone was driven to the point of shooting the CEO. They promised me coverage for hearing, dental, vision, and so many other things, including mental health. It is all lies. Just try to bill them for anything, and you will find out that the fine print allows them to avoid paying for anything. Also, I was promised an extra $200 monthly for utilities and groceries. After the third year, they cut that by $105. They also cut the coverage for hearing, dental, and vision in half. It doesn't matter anyway; when you bill them for anything, they find a way to avoid paying. It is insane because they are eager to have you sign up for an in-home visit, which must cost them a fortune. They would only pay $130 toward my glasses but want to pay me up to $75 if I consent to an in-home visit. First, it was $25, then when I said no, they offered $50, then $75 to let someone come to my home for a check-up, even though I am very capable of getting to the doctor myself. They must get something on the back end—just my opinion, but pretty sure I am right. When I refused, they called me three times a day for months. Even when I told them I would never consent, they started calling extremely early in the morning and late at night. They did not stop until I threatened them with legal action. Right now, I am waiting for October 15, the date I can cancel, and I WILL CANCEL THEM AS FAST AS I CAN.

This review is actually for United Healthcare's FSA accounts. They are absolutely AWFUL . Twice they have suspended my card/account for using it at the doctor's office. Isn't that what it's supposed to be used for?! I am not ignorant; I know what the card is for and I use it following the proper guidelines. Moreover, I sent in all the required documentation, yet they still suspended my card as they supposedly never received it. The customer service representatives perform their jobs professionally, so none of this is aimed at them. This is strictly about how AWFUL United Healthcare's FSA accounts are.

United Health Care is the worst company ever for health insurance. The customer service is horrible. Nobody speaks English and doesn't understand what you say. They cannot answer any questions. They ask you to spell everything you say. They know nothing about medications. It's really bad. I am switching companies in October.

UnitedHealthcare should be banned from the health insurance business. They represent themselves at sign-up as covering medical needs, but they don't. Despite medical necessity, they deny claims for anything that might be expensive. They have their pharmacy staff review prescriptions written by MD PhDs practicing at Mass General, telling the doctors to choose less expensive remedies. We simply paid out of pocket and said, "Never again, UnitedHealthcare." Do not buy health insurance from UnitedHealthcare.

United Healthcare Medicare Advantage tripled my copay for lymph node mapping from $100 to $300. I can't afford it. $100 was already expensive enough, as I am on a fixed income. I contacted my doctor, and she switched the procedure to a regular ultrasound, which is fully covered. She also mentioned that they could examine my lymph nodes with the ultrasound during my annual visit.

The days when United Healthcare actually cared about the patients in its "network" are a thing of the past. Now you're merely there so that they can make their quarterly earnings. Poor customer service? Oh well. Terrible pharmacy copay? Unfortunate, isn't it! Need better coverage? Well, good luck!
"Definitely would give them half a star if I could."

I cannot believe that this company is allowed to continue doing business. I have been battling pain in my knee for years. When I took a misstep in my garage, it finally gave out. My doctor told me it was time to have it replaced. He suggested I get AARP supplemental insurance to cover what Medicare does not. In October, I immediately applied and was told my effective date was November 1. I received an email stating my coverage was to begin December 1st. I called and said the date was supposed to be November 1st. They said they would adjust it, but they never did. The first available date for surgery was January 23rd. I was laid up for 3 months waiting for the surgery. After the surgery, I received notice that I owed over $1700.00 that UHC did not pay. When I called, they said there was a 3-month waiting period. When I asked why, all I got was, "That's our rules." It's a scam. UHC should be ashamed, and AARP should find another supplemental insurance company. I'm not surprised at all the bad reviews UHC receives. If you have a choice, find another company.

Zero stars, if possible. My ongoing fight with this company over a claim that started in October 2023 has been nothing short of a nightmare. I've meticulously pointed out their own policy's terms on the correct payment amount, only to face denial after denial: initial, first appeal, second appeal, and a final appeal. Their audacity even extends to sending letters to my doctor and me, demanding that we stop submitting the charges. This fiasco ends for me at the close of the year.
Ron Overcast