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Business Profile

Health Insurance

UnitedHealth Group

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Health Insurance.

Complaints

This profile includes complaints for UnitedHealth Group's headquarters and its corporate-owned locations. To view all corporate locations, see

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UnitedHealth Group has 524 locations, listed below.

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    Customer Complaints Summary

    • 2,824 total complaints in the last 3 years.
    • 1,074 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:10/29/2024

      Type:Product Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Mom passed away on June 28 2024, AARP deducted ****** from her checking, after being notified they (AARP) sent a refund check for said amount. PROBLEM check was sent in her name to her estate to which there isn't an estate or checking( because i closed the checking account after calling those who used it. I had to pay the amount(******) to close her checking in july after her death. Just trying to recover money i lost with a check IN MY NAME. Mom an I have the same last name same address and i am her first born so what is the problem. i have been dealing with this since closing her account in july. The bank will not except a check in her name now and it would cost me more money then its worth for orphans court or estate

      Business Response

      Date: 10/30/2024

      Due to the protections of the Health Insurance Portability and Accountability Act (HIPAA), I am unable to respond directly to you (Better Business Bureau) regarding these concerns. Since your letter provided a copy of the member representatives correspondence and/or a description of the issue, we will be responding directly to the submitter.  The submitter should expect outreach to him from our ******** Supplemental Team regarding this matter.

      Thank you,

      ******* *.

    • Initial Complaint

      Date:10/29/2024

      Type:Product Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      After an identity theft situation, I was given a transaction inquiry by my bank. I noticed a charge for $589.02 for membership dues. I didn&#**;t recognize this chg. I would not pay that much for any membership! The bank gave me a print out showing an auto pay for the last year. Couldn&#**;t give me any specifics. I ******* name and called them. It took a bit but they said it was for H323536**333430323137H insurance and that I was enrolled in 04/2023. I remembered working with an Ins agent ***** ******* to purchase ins. Through the ************ help line . The insurance that I signed up for denied me. There was a second Ins. That accepted me and I was waiting for a packet of info and I assumed ID cards but nothing arrived. Then I received a letter saying something like upon further review, they would not be able to insure me. I never received a thing and under great frustration I didn&#**;t continue to look for other H323536**333430323137H ins. I am a fairly H32**3532353233303834Hy person. They have apparently been taking the $589.02 every month with no renewal or notice or me ever using it. I didn&#**;t have an ID account no. I have further found that it isn&#**;t even Ins. It is a discount program? I canceled and asked for a refund. They were willing to prorate the current month. I was told I wasn&#**;t due a refund for non use. Please help me recover my money. I know I should have been more responsible with my banking. We have been at the same bank for over 30 yrs. I occasionally review my transactions, but now that everything is online and paperless I have not kept up. I am not that good at technology and my printer hasn&#**;t been working. That is how I was hacked. Trying to fix printer. Please if possible speaking to a person would be preferred. 10/16/24 called ************ at 1:32pm and canceled. Spoke to *****, ********* Provider *********, I was told Effective date was 4/3/23. Mem# **GUI19690 ******************* Life. Original Agent ***** ******* ************** *******, called him he was sorry, couldn&#**;t help me.

      Business Response

      Date: 11/06/2024

      Due to the protections of the Health Insurance Portability and Accountability Act (HIPAA), I am unable to respond directly to you regarding these concerns. Since your letter provided a copy of the enrollees correspondence and/or a description of the issue, we will be responding directly to the enrollee. 

      Should you have any questions or comments, please feel free to call me. I can be reached during normal business hours at ************

      Sincerely,

      ******* **********

      Manager-Consumer Affairs

    • Initial Complaint

      Date:10/29/2024

      Type:Service or Repair Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Harassment with multiple phone calls daily!!!!!!

      Business Response

      Date: 11/05/2024

      Due to the protections of the Health Insurance Portability and Accountability Act (HIPAA),I am unable to respond directly to you regarding these concerns. Since your letter provided a copy of the enrollees correspondence and/or a description of the issue, we will be responding directly to the enrollee. 

      Should you have any questions or comments, please feel free to call me. I can be reached during normal business hours at ******************************.
      Sincerely,

      ****** *.
    • Initial Complaint

      Date:10/28/2024

      Type:Product Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I paid a provider and submitted my receipts to *** to be reimbursed from my Care Cash balance. This was December 2023 and i have still not received my reimbursement. They have apparently mailed two checks, but neither received (although i have received other ******** Cash reimbursements). I have spent countless hours, including 2+ hours today via chat and phone trying to get someone to help, only to be transferred over 5 times. The gross incompetence at *** is mind boggling. I am requesting to speak to someone in a senior position that can actually look into and assist this issue.

      Business Response

      Date: 10/31/2024

      Due to the protections of the Health Insurance Portability and Accountability Act (HIPAA), I am unable to respond directly to you regarding these concerns. Since your letter provided a copy of the enrollees correspondence and/or a description of the issue, we have been responding directly to the enrollee. 

      Should you have any questions or comments, please feel free to call me. I can be reached during normal business hours at ******************************.


      Sincerely,

      ***** *.

    • Initial Complaint

      Date:10/28/2024

      Type:Service or Repair Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      *** has been stonewalling us for payment on a couple of claims we sent to them.

      Business Response

      Date: 10/29/2024

      This will acknowledge receipt of your complaint to the BBB, complaint number ********. Thank you for bringing this issue to our attention. Unfortunately, we are unable to find a policy for you in our system. Please provide us with your member information. After we receive this information, we will investigate your issue.

      Sincerely,
      Consumer Affairs

      Customer Answer

      Date: 10/29/2024

       I am rejecting this response because:
      I have provided them the information to look further into this. The have not done anything to look into the matter. 

    • Initial Complaint

      Date:10/28/2024

      Type:Order Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I chose GEHA because the brochure stated that they would pay for services we needed at 50%. When we filed the claim they rejected it and paid $0. I filed an appeal but it was rejected. Because this is a federal employee insurance company, we are not protected by any federal or state sponsored consumer protection group. Additionally, they failed on several occasions to provide requested pre authorization for needed services. Further, what little they did pay was sent to the provider when it should have been sent to me. In conclusion, I paid more premiums than I did to my former carrier and received $0 payment. I was Out-of-pocket $9,500 when I expected to pay $4000.
    • Initial Complaint

      Date:10/28/2024

      Type:Service or Repair Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I was insured with united health car at the time of my 8 month stay at ***. I have received a bill from *** for over ******* dollars. I have made numerous attempts to to get the matter settled. I just keep getting told it's Not there responsibility because they were not billed directly by *** which is untrue. I am now disabled and stuck with enormous **** I ***** afford because of this when I was fully insured with the records to prove it.

      Business Response

      Date: 10/30/2024

      Due to the protections of the Health Insurance Portability and Accountability Act (HIPAA), I am unable to respond directly to you regarding these concerns. Since your letter provided a copy of the enrollees correspondence and/or a description of the issue, we will be responding directly to the enrollee. 

      Should you have any questions or comments, please feel free to call me. I can be reached during normal business hours at *****************************.

      Sincerely,
      *******
    • Initial Complaint

      Date:10/26/2024

      Type:Billing Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am writing to formally file a complaint against ***** regarding a frustrating experience with their billing department.On October 21, 2024, I contacted Optum to make a payment of $58.40 (Account #: ******* for a ********************** visit that took place in April 2024. The delay in receiving the bill was due to it being an adjustment to the original payment.When I called Optums billing department, the representative informed me that they could not process my payment over the phone because the bill was for a visit prior to May 2024. I was given two options:Transfer to a past-due collection department.Mail in a check.Since I only have an HSA card and no checks, I chose the first option. After being transferred, I spent 20 minutes with the new agent, trying to locate my account. We searched using my name, phone number, SSN, and address, but the agent was unable to find my information. The agent then informed me that they were from an outsourced agency with a different system, and being listed in Optums system did not guarantee that my account would be visible in theirs.Following this, I called Optum back to explain the situation. My call was escalated to a supervisor, and I left a message. However, I have not received any follow-up from Optum as of today, and I am still unable to pay my ******* Request:Optum should contact me to collect my payment so the bill does not remain past-due and affect my credit.If Optum is unable to collect my payment, they should write off the balance due to their inability to process my payment, despite my willingness to pay.Optum's contact info:************************************** ************

      Business Response

      Date: 10/28/2024

      To Whom It May Concern:

      Due to the protections of the Health Insurance Portability and Accountability Act (HIPAA), I am unable to respond directly to the Better Business Bureau regarding these concerns. Since your letter provided a copy of the consumers correspondence and/or a description of the issue, we will be responding directly to the consumer.

      Should you have any questions or comments, please feel free to call me. I can be reached during normal business hours at ************.

      Sincerely,


      Consumer Advocate
    • Initial Complaint

      Date:10/25/2024

      Type:Billing Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      On 3/1/2024 ******* shipped a prescription without being able to apply a *********** co-pay program card that covers the ** in full. On that date the ******* representative stated to disregard any charge because the company was having issues with the co-pay program but the ** would be covered in full. The ** is delivered monthly with the co-pay program covering all costs to a $0 copay. On 5/1, we changed insurance policies and ******* had not yet corrected the 3/1 delivery. I have been told on multiple occurrences by Optum** each month when the ** is refilled that the company is working to resolve the outstanding balance ($450) and to disregard the bill. ******* is trying to apply the balance to new insurance for services rendered under the older policy and co-pay program. ******* needs to coordinate with the Co-Pay program to resolve using the policies/codes in effort for 3/1 and zero out the balance.Sincerely,*. ******* (parent of *. **********)

      Business Response

      Date: 10/28/2024

      To Whom It May Concern:

      Due to the protections of the Health Insurance Portability and Accountability Act (HIPAA), I am unable to respond directly to the Better Business Bureau regarding these concerns. Since your letter provided a copy of the consumers correspondence and/or a description of the issue, we will be responding directly to the consumer.

      Should you have any questions or comments, please feel free to call me. I can be reached during normal business hours at ************.

      Sincerely,


      Consumer Advocate
    • Initial Complaint

      Date:10/25/2024

      Type:Service or Repair Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      United health has denied since the month of July 2024, necessary surgery, exams like MRI of brain and foot. By denied these services my life has been in danger. My medical is***s had increased causing more damage in my body and eventually this will cause my death. My surgeon Dr. ****** from st. ****** hospital has talked to their doctors explaining my condition and what will happen if this is not done. My neurologist Dr. ***** had explained to encore which is an agency my insurance use for approval or denials the reason why a MRI is necessary, they still denied this procedure causing my left side of my body deteriorate, now my foot MRI was denied again due to damage from osteoporosis. United health wants 6 physical therapy done in order to approve, when they should know that my mobility is low, and an MRI is necessary to determine damage and condition. My surgery program for Nov 7, 2024 is denied, my surgeon has explained to them the severe GERD is***s and how damage my stomach is due to this condition. United health is causing my health to get worse. United health will be responsible if my life continue to get worse. At this all these denial are been monitor to future law *** for putting my life at risk and be the number 1 reason for causing more health is***s when this could be prevented by approval and prompt treatment.

      Business Response

      Date: 11/01/2024

      Due to the protections of the Health Insurance Portability and Accountability Act (HIPAA), I am unable to respond directly to you regarding these concerns. Since your letter provided a copy of the enrollees correspondence and/or a description of the issue, we will be responding directly to the enrollee. 

      Should you have any questions or comments, please feel free to call me. I can be reached during normal business hours at ******************************.


      Sincerely,

      ***** *.

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