UnitedHealthcareReviews of unitedhealthcare.com

I signed up 4/2023 for a 3 year Golden Rule plan that I was promised was the premiere of products for those of us who have to buy our own. Cut to 12/2025 when they started emailing me to reapply for another 3 yr plan. I called 12/20 and was told I couldn't reapply until 1/14 but after they reviewed my medical history they told me I'd be approved and they would call me 1/14 to apply. They didn't call at the appointment time so I called them and applied and was told that it would go through. 1/22 I gota letter dated 1/16 stating that I had been denied due to seeing my primary care doctor 10/2/2025 and him listing a f33.1 dx, no other treatment was given. I go to the PCP and gyro once a year otherwise no other medical concerns and my only medication I pay out of pocket and have done. Nothing has changed since I started the policy same medication, same dose, same routine care. But 1 diagnosis code resulted in a denial. I called and after 3 hours of being transferred found that the denial was done by a human not AI according to the rep and the only option to appeal it is with 5 yrs of medical history. They have 3 yrs of medical history, I supplied the previous 2 yrs when I applied the first time. Why would they suddenly approve it on appeal? They took 3 years of payments resulting in about 18k for 2 PCP visits and 2 gyno visits. Now I have no coverage until next open enrollment. In November 2026. F UHC.

They refuse to give me a detail of dental procedures and frequency covered on my plan. This is what the EOC says on page 98: "see the full list of covered dental services with associated frequency limitations, you can find it in the UHC Dental Medicare quick reference guide at uhcmedicaredentalproviderqrg.com." That link does not work and I spent over an hour on the phone with several people in customer service and they said I would have to get the list of covered dental services and frequency covered from my provider.

At this point I'm not even convinced that they are legitimate company. I've spent the last 3 days trying to figure out if I have insurance with them or not. I think my next move will be to call my state representative and have them investigated for fraud! I wouldn't recommend this company to my worst enemy!

Why can't there be a zero starts? Over an our on the phone, 5 reps and 3 different companies and no one can tell me why they denied a bill from my dentist - not covered insurance, but just payment under my FSA. What incompetence.

If I could give 0 stars for their tele-health , I would. 1 1/2 hour wait the no connection. Do not contribute to their overhead minimization to maximize prfit and minimize patient care.

I signed up again with UnitedHealth this year because I received a letter from them in September 2025 showing me my benefits for 2026 . It was just about the same for 2026 as it was for 2025 my other benefits was the same 312.00 monthly so that was great for me because it helps with food and light bill. Well I checked it today January 1 2026 and I only have 230.00 I called them ask why I didn't get the 312 like my letter says. Several people later they say its trumps fault .ok if that is so I never received a letter from UnitedHealth telling me of the change. They mislead me and there is nothing I can do about it. Its sad that they can do this. Consumer service is a joke what they say goes .I will be changing as soon as I can.

THIS MAGA COMPANY SUCKS THEY MAKE YOU WAIT THEN STOP COVERING MEDS THEY SUCK

In the YEARS I have been with United healthcare I have been able to buy vitamins, mucus relief medicine, feminine hygiene items... I just got off the phone with them asking why when I have a balance I was still charged and it showed I have a zero balance when they themselves told me what my balance is. The woman said those items are no longer covered in OTC benefits and they change periodically WITHOUT notice. So you could be checking out like I was and have to pay for things that last month and months and years before were covered. That, in my opinion, is bad business. If they want to change that's their perogative but with no warning? That sucks