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/Careless-Special9969 Feb 05 '25
I had to have UHC for a year because my husband's employer chose it. It was the worst year of my life. I have migraines, bad migraines nearly every day. Especially when I can't treat them with the medications that work. UHC denied every single treatment my doctor could come up with. We went through five appeal processes to try to get one med from them. In the end they said i had to try and fail five different medications before they would reconsider the drug that had been keeping my migraines at bay for years. Then when i tried getting the medications that they said i had to try before they would give me the med that worked, they denied those! Prior to UHC I was able to work, I had a social life, I could exercise, I could spend quality time with my family, I was happy. After getting UHC I was waking up nearly every morning by vomiting all over myself and my bed because I was getting migraines in my sleep and I had no way to treat them. I lost 20 lbs, my BMI dropped to 16, I couldn't leave my house, I couldn't exercise, I couldn't see anyone, I lost my job, I couldn't eat, i had no life at all and I was utterly miserable. We couldn't afford to buy the meds without insurance. They would have cost $4200 a month. After a year of that my husband made the very hard decision to quit his job and get a new one with different health insurance coverage. We now have Cigna. Within the first 2 days of having Cigna, they approved both of the meds I needed and they did that without even needing a prior authorization from my doctor! Now I have a life again. It was a life or death scenario for me. I couldn't keep living like that. Cigna literally saved my life.
I hope that helps with your decision.