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/rawasubas Dec 05 '24

How do they manage to deny the most claims and to pay the lowest rates to the providers? Do they have extra low premiums? Where does the money go otherwise when they can get away with not paying either side?

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u/OverzealousMachine Dec 05 '24

I actually never had a claim denied by them, but I did have to jump through some hoops to get some things covered once or twice. I don’t know how they pay less, they just do. Every insurance company pays a different rate, their’s is the lowest. No, their premiums are not low. Mine premium was $1200 a month (for just me) last time I had them, and that wasn’t even the most expensive plan my job offered. The money goes to executives and shareholders; they’re the most profitable health insurance company in the US. People are getting sick of their BS and providers are dropping them though. Believe me, I would if I could.

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u/UseThis9885 Dec 08 '24

I'm not paying for health insurance. Taking my chances on making monthly payments to the hospital when that time comes.

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u/ThrowAwayColor2023 Dec 08 '24

Please don’t do this. I had a bat rabies exposure scare. It would have cost well over $20k out of pocket just for a bunch of shots to be administered by nurses. A real medical emergency can easily cost as much as an entire house.