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/Thanyav Mar 13 '25

Yes. Yes. Yes. I'm in Colorado. I am a medical admin, and I do all of the medication prior authorizations for 10 providers at my clinic. UHC is one of the most hated insurance companies for prior auths I have to do. I can spend a whole ass day on 1 single prior auth for a diabetic patient, only to get denied. Yesterday, I spent all day writing a very "professional" letter to UHC. I sent in office notes from cardiology, pulmonology, PCP, sleep studies, ED notes, problem lists, and medication lists, you name it. Somehow, UHC only received the appeal request, but nothing attached to it... so here we are, playing footsie with each other for 1 single patient. So now, I am sitting here trying to find a "nice" way for what UHC stands for because it is not united, and definitely not in the benefit of anyone's health.

I am glad I love my job and my patient's. I will fight for them as much as I can. So if I have to sit here, in my office till 9pm again, bring it on.

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u/Fun_Ice_6388 Mar 20 '25

Yep. They told my doctors office I had cobra for March but not Feb. I lost my job on 1/31. It’s possible to have cobra in March but not Feb. they are also demanding up front cobra payments even though the cobra administrator gives you to the end of the month. The game is to get you to pay out if pocket then they refuse to remit the payment. In 2021 UHC denied my payment of prescriptions for 9 months. I had to fax receipts 3 times and send 6 letters. I finally threatened to turn them into the state abs they coughed up the money. I’ve spent over 12 hours trying to get my cobra straightened out and uts all UHC. They have yet to update their website for coverage even though I’ve paid for two months of premiums. I guess their ceo getting shot and killed did nothing to change their evil ways

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u/Thanyav May 21 '25

And nothing will. It is all about the money thy bring in. Not the medications pt's need. not the heath of a pt. It. Simply. Is. MONEY.