UNITED HEALTHCARE, UNITED HEALTHCARE-UHC THEY FIND EVERY FAULT THAT THEY CAN POSSIBLY THINK OF SO NOT TO PAY YOUR MEDICAL EXPENSES... ATLANTA, ST MARYS,GEORGIA

I'm so sorry you had a negative experience regarding United Healthcare - and I hope you're feeling much better now.  Nikki gave you excellent advise and I hope that it helped you out regarding your claim. 

I would like to give some additional information, since I work & have worked with insurance-related stuff (even though it's over 4 years since you filed your report, but may be also helpful for other consumers).  Nikki mentioned a Georgia law that prohibits a preexisting condition clause taking effect if you had a lapse in coverage less than 60 days.  What she is probably referring to is HIPAA, which is a Federal law covering all 50 states.  HIPAA says that if there is a break in coverage of 63 days or less, preexisting condition exclusions are prohibited IF you have had continous coverage with a group health plan for 18 months or more.  If you have had that kind of coverage for 18 months or more, when you leave a plan, your former carrier is required to provide you with a certificate of group health coverage.    They are actually also required to provide this even if you have had less than 18 months since each month you have had coverage will reduce the number of months of a preexisting condition exclusion.  You would then provide this certificate information to your new carrier.

I hope this helps!

I hope you appealed, in writing, using their appeal form (I believe it can be found online). If you haven't, do so immediately. You only have a certain amount of time to appeal and it may be 90 days (hopefully for you it's 180 days).

Also, how long have to had the insurance for? Even pre-existing conditions under group policies are supposed to be covered after 12 months of continuous coverage (unless they changed that clause within the last few years).

Also, if you had coverage through another insurance company up to within 60 days of the start of your United Healthcare coverage, they are supposed to cover pre-existing conditions from day 1 of your coverage (I'm not sure if this is only a Florida law).

Go onto the Georgia bureau of insurance regulation website and read their laws for insurance companies licensed in your state regarding group health insurance and pre-existing conditions. Do not let the insurance company just tell you, because they will probably give you the wrong info.

I'm not in the insurance business, I just had these ideas to throw around for you to find out more.

I decided on this date also to this date to report this Insurance company UNITED HEALTH CARE, ATLANTA GEORGIA to the BBB and to the Attorney General so that know one else will be Ripped Off, and especially older person like myself...