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/Fun_Ice_6388]

Insurance had to back off anesthesia. A doctor cannot just turn off anesthesia in the middle of a procedure and each person is different. I had two g hip replacements starting in my 30s. Each one took 3.5 hours not 1.5. I had a birth defect and my anatomy is different. If doctors cut off anesthesia or race to do a surgery patients could sue. Once the ceo at UHC got shot things changed a little. Now UHC is blaming games with Cobra. They are demanding up front payment which goes against the rules of the administrator. It forces you to file claims and it took me 9 months and 6 letters and 3 faxes to get 600 dollars back in 2021. I threatened to go to the state and they finally coughed it up. Bcbs was my old insurer under cobra no issues. UHC has been a nightmare. I totally despise them. I’m a cpa and no ceo of an insurance company should make 10 million dollars while denying procedures and claims. We need a big ole overhaul of the entire insurance industry