surest.com Reviews 

They do not cover anything. There is no way I should need a prior authorization to get insulin being an insulin resistant diabetic. Then having to wait for them to complete the PA. Then them only offering to pay $30 leaving me with the whole fee for the rest of my needed medications. Like they really don’t care if you live or not. Customer service sucks nobody knows anything and I’ve spent so much time on the phone being transferred from department to department with no resolution. They are prejudiced when it comes to in network drs. They make you pay more for certain in network providers than others. The app never works and doesn’t show correct pricing. I’m paying all this money for insurance and not getting the coverage or assistance needed to make it worth it. If I could give -5 stars I would.

They don’t even deserve a one. Absolutely horrible horrible Customer Service. You speak to someone in a Third World country and if they don’t like what you say, they hang up on you they put you on hold forever. Telling my employer to change insurance carriers. They’re rude and lack of professional professionalism is unacceptable.

When a cyst the size of a grapefruit on an ovary burst and causes sepsis infection or hemorrhage because your insurance keeps denying surgery you will be sued!!! If it were one of you I wonder what you would think????!!!!!!
UHC Surest- Worst insurance company!!!!!

Surest is by far the worst insurance company to work with. I am provider for someone with Surest Insurance and was on the phone for overn3 hours trying to get tech support for submitting claims on-line. Optum was a breeze and I was able to get on-line with them in less than 15 minutes and submitted my claim. With Surest I was given 10 different phone numbers and spoke to 10 people all of whom could not help me. I have called the various numbers on line for Alison Richards, CEO and they are non-working numbers. I left an email message for Surest support and have heard nothing back. United healthcare is known for its' aggressive tactics to not pay providers but even this is beyond my comprehension.

Terrible! One day you go the dr for a sick visit and it's 30, the next time it's 120.00! You can't pick what provider you see for sick visits. Horrible way of billing for services. I went on the app to find an mri for my son that was 200.00. I even called to verify the same day that it would be 200.00 with my plan and I was assured it was correct. I have the screenshot from the app showing it was 200!
One month later I get a bill for double the fee (400.00) I was told. I asked them why when I called I was told 200.00 if it was indeed 400.00. Also asked them when they changed the prices on the app for mri's..no answer.
No record of the call even after giving them the exact day and time of my call. Oh and surprise surprise...I went back on the app today and the price now says 400.00. Can't wait to get rid of this insurance..scam

I had an upper GI series done in July 2025. I had used this facility several times per recommendation from my primary care providers. This time, I received a huge co-payment. I called Surest to find out why so high. What I found out was that I was supposed to go shopping for a facility in my area. I had never heard of such a thing. My advocate tried to show me, and she had difficulty, but finanny figured it out. I lodged a complaint that I had never been educated as to how to search for a facility, only how to determine if a doctor or facility is in or out of network. I appealed the charge several times, asking for a reduction in the co-payment. The process was tedious to the extreme. They would not let me talk directly to the review board. They did not think that they did anything wrong. They were negligent. It took nearly half a year, and they rejected every appeal. I am filing complaints with the BBB and with the insurance commission.

What a POS company- this company is a UHC company-which I was employed by, so was my primary insurance during that time of this claim. I also had a secondary insurance- which got billed for a sleep study in October of 2025. I just heard (4/14/2026) from my secondary that they had paid the full claim as Surest wasn’t billed for some reason. So they have now took back the payment as the primary insurance was not billed. So I contacted Surest - which would not provide a copy of the card (no longer employed with UHC) and they are denying the claim as it was not processed within 90 days. Ummm- I have worked in insurance for 18 years- if you were covered at the time of the claim, and was something covered by the policy, it is paid. Apparently, all the time I stuck up for UHC - I was WRONG- they suck!

I am a licensed Health Insurance Agent in the state of NY and I when I call to ask a question on billing, I am given 3 different explanations, 2 of which are not even legal billing practices in the state. ie - 'pricing' is based on the doctor, and location. So you could see the same doctor in 2 different locations and have 2 different copays. Really??? You are invited to look this up ahead of time, to 'avoid' unexpected bills... but the rates listed are not what you are charged. And no one at Surest really understands if there is such as thing as in network or out - or how we would find out those bills ahead of time. Each time I call I am on hold for 30 min. No joke. While they get a supervisor to answer a billing question. About billing. It's ridiculous. Another problam, many times you go to an appointment at a large clinic and get a different doctor, so how does that pricing work? or if they need to run tests - apparently you have to hop on the app with the codes before you get the tests to see what the pricing is in that clinic. Really? And if its cheaper down the road are we supposed to hop on down and go somewhere else? Specific issue - this tells it all: Surest website telling me $80 for the doctor. Ok, my bill says Surest made them knock the bill from $300 to $105 (they call this an adjustment), they pay $5 and I am on the hook for $100??? Not even the $80 on the website.
Surest is sure making money, but we are going broke with no real transparency. So sad that this is who FEDEX trusts with their employee health plans.

The worst insurance I have ever had. You check their website and you that a specific doctor will cost $40. You think to yourself “ok, not that expensive”, but you end up paying much much more. Stay away from Surest.

I was worried about switching toSurest under United, but so far it's actually been saving me a ton on most of my doc visits. One specialty rx went up in price, but mostly everything else went down. The secret to Surest is that you need to research everything (doctors, medications, etc). But you should be doing that anyway, unfortunately it's a requirement under our systems in the US no matter what insurance you have.

I'm new to Surest, having always had a PPO plan. I decided to give this a try due to lower monthly payments and price transparency. Yesterday, I had a need to look on my app for a virtual visit. On the Surest app it said that Teladoc was a $0 payment. I scheduled the visit and was told it was a $54.00 payment. When I contacted Surest, they said that it was in fact a $0 visit; the money collected up front, once Teladoc learned of my cost for the visit would be refunded to me. No idea of when. It's truly false advertising to say this visit would cost me $0, then be charged $54.00 with no anticipated timeframe to receive this money back. I will now question any cost I see on the app before proceeding.

Everything is out of network. Only obscure, cheap and inefficient doctors and facilities are in network, and the copay for decent primary care? 75+. I regret ever even thinking of joining this atrocity of an insurance product. Should have thought better than to think a United Health”care” product would be good. Avoid like the plague. Because if you catch it while under this awful system, you’ll pay out the rear for it.

I've been waiting for claims that have been sent twice to Surest from Sutter Health to even being acknowledged that they have received them. Now that I am not a member I feel like the customer service managers are not figuring out where the claims are even at. My phone calls have been going on for 2 months now. Another claim from Sutter health seems to have been lost in Surest's Export port, whatever that means. Surest UHC was my companies group health plan so that's why I had them. Now I'm getting no where with my claims and it's very very stressful.

This is an absolutely horrid company. Every paycheck they take about half for the insurance, they cover nearly nothing and struggling to pay the 100 dollars on meds. Doctor visits cost between 30-100 something dollars. Every two weeks they take half my paycheck... the only company that was available for me at the time through work

Do not go with Surest, you will regret.

Worst healthcare plan I have ever been on. Horrible customer service. This plan is outright stealing from customers. They deny claims. Loose claims. Refuse to respond to appeals. Surest = Fraud!!!!

The monthly cost is lower than the old insurance I had, but the cost for copays or procedures are so high that you are much better off with the plan with the higher monthly cost. Not been a good experience. I will be switching back as soon as possible.

surest plain and simple is horrible in every way period

I was intrigued by Surest because of the transparency pricing, but recenly I noticed I was getting charged more than what I had saw. I thought I was tripping at first, so I paid.. but when this happened a 2nd time, I knew it was the system changint he pricing on me. They first keep things cheap, and then change the prices slowly higher so you get charged more. It went from $5 copay for an office visit, then to $50, and then went down to $25 without me even doing anything? Its so bizzare.. I cant wait to get on another health plan! This put a terrible taste in my mouth.

Don't make the switch to Surest, I switched last year to try it out through my employer, had nothing but issues. Needing prior approval for things I didn't need it for in the past, all the research is on your side (which can be good, but you'll be in for more than what you expect). I'll be switching back to a traditional health insurance. Surest is a "United Health Care" company, it seems this is their bottom of the barrel attempt to save money.

I'd give them a zero if I could. Simple out-of-network claim turned into (at last count) at least 10 phone calls. Was told claim processing takes 30 days. After 30 days, was told 45 days. Then it jumped to 90 days! Even the representatives cannot reach "Tier 2" supervisors. Currently on hold and it has been 45 mins. for this call...so far.