Business Profile
Health Insurance
UnitedHealth GroupThis business is NOT BBB Accredited.
Find BBB Accredited Businesses in Health Insurance.
Reviews
This profile includes reviews for UnitedHealth Group's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Review Ratings
1.1/5 stars
Average of 1,307 Customer Reviews
Want to share your experience?
Leave a ReviewReview Details
Review fromDiana S
Date: 07/19/2022
1 starThis company is a nightmare. Their app is impossible to use, they lie outright about whether they've called my doctor, whether they're processing my prescriptions, and then turn around and say they can't fill it because they don't have a prior authorization they never told the doctor they needed. I have been getting the run around, with multiple calls to Optum, my doctor, my insurance company, and six weeks later, they still have not filled a prescription I need. Of course, this prescription just happens to the be only one of my four prescriptions that isn't a generic and is very expensive. Are they hoping I'll die before they have to pay for it? If I could give zero stars, I would.Review fromKelly H
Date: 07/19/2022
1 starOptum Specialty Pharmacy needs to be removed for all insurance companies that support this so called DEATH pharmacy . It has Bad poor customer ******************** skills, does not ship medication to the doctor in a timely manner. ***** management skills has no no acknowledge of protocol. I have been lucky to switch to another Insurance Company after 3 years using this **** CLOWN Pharmacy. I wish everyone good luck when dealing with the ignorant company.Review fromJanean P
Date: 07/19/2022
1 starI wish I had an option to give a zero rating. I enrolled on 11/6/2021, start date 12/1/2021 with a premium of $412.22 per month for a policy that allegedly offered 0 deduct. & $3k max out of pocket. I have detailed notes of my conversation with the advisor ************************ of what was presented. It was odd to me he just shared his screen & didn't allow me to fill in my own coverage application. I signed up under the belief there was 0 deduct. & $3K max **** I also believed there was coverage for wellness (physical & well woman) exams after a 30 day wait period. I had both done by my respective physicians 6 month later & turns out, they only pd $245 for the physical & $35 for the lab for the pap. I now owe ~$700 for unpaid services. Turns out, it's "upgraded" coverage. Likewise, there are ZERO surgical benefits. Again, not what was ***************************** I would have NEVER signed up had the Advisor not represented the plan I selected offered the 0 ************ max **** In my opinion, this company needs to be sued under the ***** Additionally, I requested my policy docs in Nov. 2021 & a copy of my completed app. Requests went unanswered. I requested them again in March, along with an ** card that I never received. Well, the ** card came in the mail in April, but no policy docs. I reached out to the Advisor by email again (July). No response...and again (July), finally a response that just denied everything & punted me to customer service. Finally, I got someone in customer service to send me the policy docs. Yep, I have wasted $3200 on c*** coverage that is NOT what was "sold" to me and now I owe and additional $700 to providers. I have also discovered that, while I'm paying $412.12/mo., my premium is actually $349.27 per the Certificates of Coverage I received today (7/19/2022). When questioning the Advisor, he says "there's a $62.95 "association fee". That also was NOT disclosed to me. This company is lucky it hasn't been hit with a class action.Review fromAugusto D
Date: 07/19/2022
1 starAugusto D
Date: 07/19/2022
this company is just a scam. They don't really cover what they say they do.UnitedHealth Group
Date: 08/03/2022
We’ve had an opportunity to evaluate the concerns outlined in the Customer Review above and provide the following in response. A review of our records found that the reviewer applied for coverage under four (4) of our most popular plans; the PremierChoice Specified Disease/Illness Plan, PremierChoice Accident Plan, PremierChoice Health & Wellness Plan, and MedGuard Critical Illness Plan.
With the purchase of the PremierChoice Specified Disease/Illness & the Accident Plans the reviewer also selected the Optional In-Claim Covered Medical & Surgical Services Benefit Double Step-Up Rider (“Step-Up Rider”) and the Included Medical Inflation Protection & Guaranteed Insurability Under Short Term Medical-Surgical Plan Rider (“Short Term Rider”).
The Step-Up Rider allows the reviewer a one-time upgrade option to Step Up their coverage at any time by one or two full plan levels with no additional underwriting. To utilize this option, the reviewer must notify the Company in writing. Premiums paid as of the effective date of Your Step-Up option will be at the new upgraded Plan amount.
The Short Term Rider allows the reviewer to purchase a Short Term Medical-Surgical Expense plan on a one-time right and guaranteed basis without any underwriting or evidence of insurability as long as they are not otherwise covered under a health insurance plan that constitutes minimum essential coverage under federal law.
This Short Term Medical-Surgical Expense plan provides benefits for eligible expenses at 100% after the satisfaction of an initial $3,000 In-Network and/or $6,000 Out-of-Network deductible.
Unlike an ACA essential health benefits plan, under which you must typically first satisfy a deductible every year before you’re eligible to receive benefit payments, the PremierChoice Specified Disease/Illness and Accident Plans allow our clients to receive first dollar payments for expenses incurred up to a benefit maximum for covered healthcare services AND gives them the ability to increase their coverage if and when they decide their circumstances require it (even after the claim(s) has been incurred) AND their coverage will increase by 5 percent annually, on a compounded basis for up to 5 years. Our slogan is, “Why pay for it before you need it?”
Our review of the file revealed a recorded telephone call was conducted with the reviewer, in which he confirmed her agent went through the coverage by reviewing her plan product brochure on-line or in person. A copy of this brochure was also emailed to the reviewer following the submission of the application for her continued review.
A review of the plan brochure the reviewer reported to have received and reviewed with his agent and that was later emailed to him revealed a list of the benefits provided under the PremierChoice Specified Disease/Illness, Accident, and Health & Wellness Plans is illustrated on pages 5, 6, 11, 12, and 16 and an explanation of the terms and benefits of the PremierMed Short Term Medical-Surgical Expense Plan is provided on pages 19, 20, and 21.
Regarding the reviewer’s comments that our Company is just a scam; while we recognize that our products are unique and different from the typical ACA essential health benefits plan, the company and products we offer are certainly innovative and provide valuable coverage for our customers. While the coverage was active, the reviewer paid monthly premiums of $237 for a benefits package that offers the following:
• First dollar coverage, up to the applicable benefit amount, with a Rollover feature that rolls over unused Doctor Office Visits to the Next Policy Year.
• Provided her the option to purchase additional coverage when he decides his circumstances require it, even in the middle of a claim, without additional underwriting or evidence of insurability.
• Freedom to seek services from any provider he chooses and the benefits provided under the PremierChoice Specified Disease/Illness, Accident, and Health & Wellness Plans remain the same. Where many of the PPO, EPO, and HMO products available on the market today restrict their customers to one network of physicians or facilities and/or penalize their customers for using Out-of-Network providers by charging additional deductibles, coinsurance, or co-pays; our customers aren’t penalized.
• Automatically locked in his rates for 15 months at no extra charge.
• A $96,364 Critical Illness/Accelerated Death Benefit Policy which provides a lump-sum cash payment to him upon a first diagnosis of a covered critical illness condition/surgery.
As it relates to the reviewer’s comments indicating our Company does not really cover what we say; we’ve had an opportunity to evaluate the reviewer’s claim file and determined all claims received were processed correctly according to the terms and provisions of the PremierChoice Specified Disease/Illness Plan
Based on our review, we’re unable to find any evidence of wrongdoing by our Company and do not feel this negative customer review is warranted. Thank you for giving us the opportunity to review this matter. Please be assured that our Company strives to provide excellent service to our customers. We take all comments, such as these, seriously and investigate them as fully as possible.
Michael F*********
Manager, Consumer AffairsReview fromChristian L
Date: 07/18/2022
1 starI went to a Dr in the new west physicians group, I had amazing insurance. My ** pay was 15 bucks. I asked everytime I went which was 3 times total to pay my ** pay and they said I did not owe anything. I started to receive 15 dollar bills in the mail. I paid it, received another paid it, and so on until I received one that said **llection notice. I called the 800 number and asked them to check if I even owed the money because I was positive I over paid. The first girl i spoke with was rude and said it's only 15 dollars why don't you just pay it. She met my wrath and transfered me to a man who looked up all my payments and **nfirmed I over paid these people by 45 dollars! They owed ME MONEY and was about to send a non existent 15 dollar **** to **llections. I still to this day have not seen that money **me back to me, and now they are doing the exact same thing to my husband who only saw a physician 1 time with the exact same insurance as me. These people are criminals and should be investigated for fraud.Review fromChris M
Date: 07/18/2022
5 starsChris M
Date: 07/18/2022
I have had this insurance for 3 years. I have never had a problem with my coverage. It pays great for all of my family's doctor's visits. Most of the time we pay nothing. This coverage is so much better than any of the Obamacare plans we used to have and it is less per month too. I am still happy with my decision, and considering the status of health insurance in this company, I cannot see making any changes for my family!UnitedHealth Group
Date: 07/19/2022
Thank you so much for this positive review. We really appreciate you being a customer and helping to share the word about us. We’re here for you anytime.
Michael F********* - Manager, Consumer AffairsReview fromKayla Z
Date: 07/15/2022
1 starKayla Z
Date: 07/15/2022
Apparently there's a maximum amount they will cover for your medication before they stop giving it to you. I'm on humira for reference for seropositive rheumatoid arthritis. And they're no longer able to help me. Speciality pharmacy? What a joke. Chronic conditions don't go away when money runs out.UnitedHealth Group
Date: 07/25/2022
July 25, 2022 To Whom It May *********** 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 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,Consumer Advocate NOTICE: This communication may contain PERSONAL and CONFIDENTIAL information and is intended only for the use of the specific individual(s) to which it is addressed. It may contain Protected Health Information that is privileged and confidential. Protected Health Information may be used or disclosed in accordance with law and you may be subject to penalties under law for improper use or further disclosure of the Protected Health Information in this communication. If you are not an intended recipient, you are hereby notified that any unauthorized use, dissemination or copying of the information contained in it or attached to it is strictly prohibited. If you have received this in error, please securely destroy it and immediately notify the sender. Thank you.Review fromNecole N
Date: 07/15/2022
1 starNecole N
Date: 07/15/2022
The no co-pay is a benefit but I cannot wait for the next open enrollment with my employer because I will not continue using Bind insurance. I need a medically necessary procedure and they continue to deny the Physician's request. UHC has covered this procedure in the past so I will return back to this plan option in the meantime I'm having to search for secondary coverage.UnitedHealth Group
Date: 09/09/2022
Thank you for expressing your concerns. Due to the protections of the Health Insurance Portability and Accountability Act (HIPAA), we are unable to respond publicly. We have attempted to connect directly with you to resolve your concerns and look forward to hearing back from you. Please contact ***** in ******* Services during normal business hours M-F at ************.Review fromDelfina M.
Date: 07/14/2022
1 starDelfina M.
Date: 07/14/2022
My son has Cystic Fibrosis and ******** requires an *** form to be signed before it can dispense one of my sons prescriptions. The *** form comes from an outside source that gets sent to Optum and Optum can only communicate with them by email. Well that source has not complied and Optum just sits on it. They cant provide me with a number to call them directly. Its negligent and criminal to not have a better way of handling this type of situation. Im on the **** to report them in every avenue available.UnitedHealth Group
Date: 07/25/2022
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,**************Consumer Affairs Advocate NOTICE: This communication may contain PERSONAL and CONFIDENTIAL information and is intended only for the use of the specific individual(s) to which it is addressed. It may contain Protected Health Information that is privileged and confidential. Protected Health Information may be used or disclosed in accordance with law and you may be subject to penalties under law for improper use or further disclosure of the Protected Health Information in this communication. If you are not an intended recipient, you are hereby notified that any unauthorized use, dissemination or copying of the information contained in it or attached to it is strictly prohibited. If you have received this in error, please securely destroy it and immediately notify the sender. Thank you.Review fromCarla B
Date: 07/14/2022
1 starCarla B
Date: 07/14/2022
One star is too generous. Horrible customer service. Takes FOREVER to get the medicine in the mail, IF they can get the order right and will actually mail it. We have constant dosage changes and a 90 day supply plan isnt feasible. When my husband called them because we are out of meds and had a dosage change and cant wait the ten business days to start the medicine. We asked for a waiver to use our local pharmacy to get the meds going and the Optum rep was extremely rude and said we are required to use them and if we dont we just wont get ********. Represenative actually said those words.UnitedHealth Group
Date: 07/25/2022
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,**************Consumer Affairs Advocate NOTICE: This communication may contain PERSONAL and CONFIDENTIAL information and is intended only for the use of the specific individual(s) to which it is addressed. It may contain Protected Health Information that is privileged and confidential. Protected Health Information may be used or disclosed in accordance with law and you may be subject to penalties under law for improper use or further disclosure of the Protected Health Information in this communication. If you are not an intended recipient, you are hereby notified that any unauthorized use, dissemination or copying of the information contained in it or attached to it is strictly prohibited. If you have received this in error, please securely destroy it and immediately notify the sender. Thank you.
UnitedHealth Group is NOT a BBB Accredited Business.
To become accredited, a business must agree to BBB Standards for Trust and pass BBB's vetting process.
Why choose a BBB Accredited Business?BBB Business Profiles may not be reproduced for sales or promotional purposes.
BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.
When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.
BBB Business Profiles generally cover a three-year reporting period, except for customer reviews. Customer reviews posted prior to July 5, 2024, will no longer be published when they reach three years from their submission date. Customer reviews posted on/after July 5, 2024, will be published indefinitely unless otherwise voluntarily retracted by the user who submitted the content, or BBB no longer believes the review is authentic. BBB Business Profiles are subject to change at any time. If you choose to do business with this company, please let them know that you checked their record with BBB.
As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.