UHC as bad as everyone is saying?

[u/reddevine]

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.

[u/Consistent_Formal966]

Unfortunately, my experience has been negative. I used their insurance in-network. Before going in, I looked up the specific doctor, and procedure billing codes. 971450- "You pay $400." Then I get the bill-- the surgery code 67145 that was supposed to be "$400" came to $1197.64--after 3x the amount quoted, after their "$934.36 in network discount." When I questioned UHG, I was asked "Estimates are simply estimates and cannot be counted on. Where are you getting these estimates from?" If I had a quote from the hospital that came out over $400 more, ACA would disallow it--but I guess UHG is allowed *everything*. When I complained to state insurance regulator, they closed my complaint in under 48 hours, saying UHG is absolutely allowed--and need not follow any minimum guidelines of the ACA, nor provide services dictated as minimum by the ACA, because our company is small and plan is self-funded.