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/tennisgoddess1]

I was a prior Kaiser member that switched to UHC due to Kaiser crappy mental health department.

Had no issues until recently when I tried to fulfill a prescription at the pharmacy my doctor put in. The pharmacist told me it was denied.

What? Well the length of the prescription was denied and would only approve a 30 day supply on a reoccurring drug I would need to take for years. WTF?

Called UHC and some barely educated customer service rep read some script that max is 30 days based on some chart UHC approved. Every time I asked a clarifying question she went back to the scripted loop. Infuriating- it was like talking to a computer.

Asked for a supervisor who then stated that if I’m on UHC’s mail order system, I could get a 90 day supply before a refill order was needed.

Then I figured it out. UHC farms out the mail order meds for cheaper than they pay the local pharmacy that you can pick up same day. So if you need a reoccurring prescription, they only give you 30 days and force you to go to their mail system so they pay less through another vender.

Except they hire high school graduates- barely- who can’t explain anything clearly and just read scripts when you ask questions and you get passed to 3 different departments before you figure it out.

God forbid if I had something serious that needed UHC approval. At least when Kaiser docs say I need something, it gets done- no questions asked. You just have to wait 3 months to for someone in your family to see a therapist, because their mental health department is seriously understaffed and is their referrals.