UnitedHealthcareReviews of uhc.com

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.

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”.