r/HealthInsurance • u/reddevine • Dec 04 '24

Plan Choice Suggestions UHC as bad as everyone is saying?

I own my own SMALL company. I had Humana and the health insurance policy was deleted and no longer offered. My insurance agent hooked me up with a plan from UHC. For six people it’s a little over $6,000. A month. With the event this morning I am reading terrible reviews of UHC that is completely freaking me out. Are they really that bad? Should I look elsewhere and if so where? What company is less on the evil side? I’m not looking for anyone to quote me pricing, I’m looking for those in the industry which companies they would want based on their dealings.

Thanks for any insight!

I wasn’t thrilled with Humana either, ER visit for a tick bite cost me $3,000. and I was never in a hospital bed or seen by an actual doctor.

Edit: Well I just noticed that Anthem BCBS is not going to cover anesthesia if the surgery goes into overtime basically in my state. Everything I’m reading since yesterday is just appalling.

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u/nik_nak1895 Dec 04 '24

From the patient side they're about equally as bad as any other insurance.

From the provider side they're the second worst insurance panel in most states.

So for your intents and purposes and if it looks like the best option for you as a patient, i wouldn't be super concerned. The whole industry is a nightmare, including United.

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u/autostart17 Dec 05 '24

Who is the worst?

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u/nik_nak1895 Dec 05 '24

BCBS.

For example BCBS just announced today that they're now determining how long you're allowed to have anesthesia for surgeries, not doctors, in 3 states. No peer to peer, no appeal. They will simply not cover your anesthesia if you're under longer than they gave you before surgery. So, you better not have any complications during surgery and your team better not need to move you, acquire different materials, change setup or approach, etc.

They also pay providers crap, 50% less than United in most states and United was low as is. In a few states BCBS has a better reputation so it varies a bit whereas United is unanimously abhorrent.

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u/te4te4 Dec 05 '24

No, it was actually announced mid-Nov.

People are just paying attention to that story today bc they are now keyed in on health insurance shenanigans.