UnitedHealthcare Reviews 

I can’t believe I’m paying over $100 just for a dermatologist visit and this is with a PPO plan! What’s the point of paying high premiums if I still get hit with huge copays? UnitedHealthcare has been the worst insurance experience I’ve had.

It's a generic company and in my opinion should not exist in the insurance world as soon as the next open enrollment comes around in the fall I will be switching to a more reputable company one that doesn't deceive the consumer it was my mistake for being letting to my decision to go with United healthcare by one of its Representatives instead of researching it first the phone call from a United healthcare sales representative is one that I should have never answered

First deductible was roughly $16K
Second deductible was roughly $4k
Thereafter the insurance Co. should be responsible, however they try to NOT pay unless you fight them and the they continue to offer excuses and every time you call to speak to a supervisor the calls seem to "get disconnected" (how convenient) then you must begin anew with another Supervisor.
Eventually I mailed requested information to them via Certified mail which requires a signature two times and then made copies and shared with my lawyer. They can no longer escape their responsibility going forward with this and other evidence obtained.

UnitedHealthcare - Golden Rule Ins. Co. has the lowest star for many legitimate reasons.
The pivotal role of the CEO, Patrick F. Carr that helped increase the annual sales of $2.2 billion is stolen from the customers that they allegedly serve.
This review reflects all employees underneath the CEO and especially Patrick F. Carr.

Long wait times, many transferrs of call, no follow up as promised... phone calls, chats, expedited complaints all same result... none
They want you to give up

United Health Care has the worst dental you can get. Unless you pay $44.00 a month for premium. Like us seniors got that kind of money. They only pay to get you in the dentist office door.

Wonderful Representative in United Healthcare Medicare Advantage Plan. My husband spoke with Ali who is a United Healthcare Representative through the UHC direct call center for our plan. We needed information on the UCard Balance Benefit Program. Ali was patient, kind, knowledgeable, and answered all of our questions and got us on board to the benefit program. He explained exactly how it worked and set our plan in motion. He is a exceptional representative for this company and deserves the highest review.

I have the UHC Advantage plan. As part of the plan perks, I receive a UCard with a monthly allotment to purchase food and medical supplies. Today I used the UHC app which has a shopping tool to scan the barcode of a product to see if it’s covered under the UCard benefit. I purchased feminine supplies which should have been allowed. For each item I scanned I received the approval message “This product qualifies for purchase using your benefit.” When I checked out my items, none of the items I scanned were covered/paid under the benefit. I had to pay almost $50 out of my pocket because the UCard barcode scanner gave inaccurate data. What’s the point of scanning items and receiving an approval message when the items are denied! I have no confidence that any item I check using the UCard barcode scanner will give me accurate results. VERY FRUSTRATING and worthless tool!!!!!!

Extremely disappointed with United Healthcare Dental. I lost a crown—a clear dental necessity—and had it replaced, only for UHC to deny the claim afterward. Apparently, they’re happy to take your monthly premiums but won't be there when you actually have a dental emergency. Their coverage is a safety net made of tissue paper. Avoid if you actually want your dental work covered.

UnitedHealthcare failed me when I needed them most.
After being hospitalized, I faced delays, lack of clarity, and unhelpful member services during a time when I was medically vulnerable. Communication was poor, information was inconsistent, and there was no sense of urgency despite clear time sensitivity.
Instead of support, I was left stressed and chasing answers while recovering. This experience showed a serious lack of care for members during critical health situations.
I would strongly caution anyone considering UnitedHealthcare to think carefully about how they handle real emergencies — not just what they promise on paper.

ALERT!! RUN FROM THIS COMPANY. DO NOT SIGN UP FOR IT THROUGH YOUR JOB! I THROW $1000 this year to this pos company. ONCE U SIGN UP THROUGH YOUR WORK YOU CANNOT STOP PAYING FOR 1 year. I pay $80+ a month and I still pay the office visit as if I don’t have insurance through this unethical company. THEY DONT COVER ANYTHING FOR YOUR MONEY. Go to Teladoc online for $50 a session. Theres so many options rathan being robbed by this company.

on December 8, I ordered orthotics because the chat on United healthcare told me they would pay 80% of the course then on the 20th. I saw that Medicare denied it and before United healthcare denied it. I chatted with them again and they said don’t worry we’re gonna pay 80%. They did not pay anything. I got a bill for $2400. They’re not an honorable company. Let’s not with me. They would not follow up with their words.

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

For many years I have had a Medicare part D plan and while paying premiums, they have not paid one sent. They changed one necessary to monthly and made it more difficult to get. Yesterday I found out that they are not renewing me for 2026, might have canceled me for nonpayment after cashing my premiums, and we're ambiguous about finding my account. They left me crying. Shareholders should be wary as why would a company turn away a relatively healthy person who costs them no money