honestly, in the minority, but pretty happy. UHC covered visits to a lactation consultant when i needed it. acupuncture is covered. as are my mental health therapies and visits to the physical therapist. my son's neurpysch eval was covered, as is his therapy.

i have the PPO choice plan. most of my doctors dont take any insurance at all, and i find the reimbursement rates to be about 60% of covered services.

health insurance is a racket, true. whats with all the DC doctors just not taking insurance?

Anonymous wrote:I had the same issue with every BCBS plan I’ve ever had. I’ve had a much better experience with Cigna.

Really?! BCBS has plenty of flaws but they are accepted nearly everywhere in this area

Listen, there is a reason Luigi has become a folk hero. Murder is bad, but it’s hard to say what he did is worse than United systemically denying health saving care to people for profit.

They're terrible. But we are having major issues with BCBS right now paying claims out. Medical in the us is a total mess right now its feeling very third world.

Anonymous wrote:I am shocked that you think they are “trying to turn things around.” They aren’t.

trust me they are but they have gone to the same play book blaming others instead of looking at themselves

Anonymous wrote:I’m a little surprised to hear all this. My parents have UhC Medicare wraparound and it’s been pretty good. Covered the best cardiologists and pulmonologists at the university medical center in my parents town, sent PT and wound care specialists to their home, got my my zoom breathing therapy when she couldn’t go in person, and covered this very cutting edge treatment for a super rare autoimmune skin condition my dad had (which may have been because his really great dermatologist fought for it).

Medicare is a different story that’s their bread and butter as long as their customers are healthy.

lots of health systems are walking away bc their network rates are awful

I am shocked that you think they are “trying to turn things around.” They aren’t.

I’m a little surprised to hear all this. My parents have UhC Medicare wraparound and it’s been pretty good. Covered the best cardiologists and pulmonologists at the university medical center in my parents town, sent PT and wound care specialists to their home, got my my zoom breathing therapy when she couldn’t go in person, and covered this very cutting edge treatment for a super rare autoimmune skin condition my dad had (which may have been because his really great dermatologist fought for it).

United Healthcare denied coverage for my miscarriage care and I got a huge bill. They claimed they suddenly couldn't verify my birthday. Mind you they had processed other bills from this same medical office a week before. I had to spend hours on the phone to get them to reprocess it, filed multiple appeals. Finally billing at my doctor's office stepped in and got it sorted.

Evil, stupid company. We switched as soon as we could.

I had the same issue with every BCBS plan I’ve ever had. I’ve had a much better experience with Cigna.

They call it UnitedHELLcare for a reason. I've heard nothing but horror stories. No one even accepts it anymore! They premiums increased 16% this year too. Avoid them at all costs.

I have posted on here about how terrible they were. Yes, constantly finding reasons not to pay at all, let alone timely.

An obscene company.

I had United for a couple of years a while ago because they were the only plan through my employer to offer IVF benefits. I had to switch from all my other providers during that time because no one accepted it. I was so glad to be done with them.

Their reimbursement rates are ridiculous. My company switched to them and it’s miserable. Their claim process is terrible and they are constantly finding reasons not to pay in a timely way.

We recently switched from United Healthcare and couldn't be more happy to be out of there. First, hardly any of my providers accepted them so we were on the hook to pay out of pocket and seek reimbursement. When submitting claims, their process couldn't be more painful in terms of the required information they expected you to manually enter (their AI is horrible).
Reimbursement rates are slightly above Medicare rates, absolutely appalling. We had a huge year of medical spend and didn't even come close to hitting our catastrophic because their reimbursement rates were so low, so if we paid say $500 and they paid $100 that $100 is what counts toward out-of-pocket spending.
For a health insurance company that is trying to turn things around, they have alot of work to do in order to keep their customers.