Report: #274336

Complaint Review: United Health Care

  • Submitted: Wed, September 12, 2007
  • Updated: Thu, March 25, 2010
  • Reported By: Fort Worth Texas
  • United Health Care
    P.O. Box 30555 Salt Lake City, UT
    Dallas, Texas

United Health Care It's not what is seems! A real ripoff! Dallas Texas

*Author of original report: United Health Care Rip-Off (Addressed)

*UPDATE Employee: Your UHC Benefits

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I thought I had health coverage but when I fractured my legs, I was amazed at how little coverage I had. The pretty book they send to the employees stating we have $250 deductible sounds all so good. It is a wonderful layout and so many beautiful illustrations! They don't tell you up front the $250 deductible is for the surgeon, the hospital, the anestheology and everybody else on board. So you end up with about $1200 in deductables alone plus inpatient hospital expense of $1400. I went to a chiropractor because I had back pain after surgery. My co pay is $50 a visit. His charge for a person without insurance is $65 a visit. As far as I am concerned the math does not add up. I think I should be paying the $15 per visit and the insurance should be paying the $50. And by the way my co pay for followup with the surgeon is $50 per visit and I go once a week. My co pay for P.T. is $30 a visit. Again, I can only afford to go once a week. And when I had the severe back pain, my internist felt I should have an MRI and I agree, but I have a deductible of $2000 for a MRI and my co pay is $1200. I put off the MRI and elected to go to the chiropractic person to see if my back pain could be resolved. This is ludicrous and sickening. They had been paying $17,000 for lapband surgery. Too bad I didn't eat myself to death! If I need a MRI, I can't be diagnosed for further TX as I don't have the $1200 co pay! They have a wellness program. One gets $100 from Target or some other such company if the employee follows the program, usually an on line assessment. Well, most of us are busy and don't have time for that Tom foolery and the insurance company knows people don't followup on such stuff. So, they win again. Wouldn't that $100 for the few who do participate be better spent helping truly sick people? The hospital calls every day. They want to turn me over to a collection agency. I told them I could pay $20 a month and they would not agree to it. My disability is 60 per cent of my earnings and I can barely make my house and car payment and pay all the weekly bills for my followup care plus my co pay for perscriptions. One medication alone cost me $100 co pay. My brother served in the Armed Forces four years. The V.A. covered all expenses for his open heart surgery. He goes to the clinic free of charge. He is so lucky! I'm in the health care field and I feel I am treated like the waste I dispose!

Fort Worth, Texas
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This report was posted on Ripoff Report on 09/12/2007 04:54 PM and is a permanent record located here: The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#1 Author of original report

United Health Care Rip-Off (Addressed)

AUTHOR: Edie - (U.S.A.)

I could write a much better manual than United Health Care presents.  It would be alphabetical and it would state "Yes" or "No" to what treatments are covered and a third column would show the amount United Health care would contribute.  And I assure you that a presentation such as mine would really show the beet red faces of the company.

(l) The Information Center at the V.A. explained to me very blatantly that private insurance is a scam.  They have people coming to them all the time.  These people think they have coverage and they have nothing.  Someone is in the know.

(2)  The Physical Therapist told me specifically to keep all receipts of my treatment.  Pay cash but keep track of each receipt number because UNITED HEALTH CARE WILL AND ALWAYS DOES REFUSE TO PAY.  THEY ARE THE WORST.  THEY WON'T PAY THEIR PART AND THEY WILL PUT UP A BIG STINK!  Here is a person in considerable pain having to deal with the insurance company's reniging to pay what they are suppose to. 

(3)  They surgeon has his special anestheologist group through THR.  We had a 3 way conference call to United Health Care.  They agreed to pay via verbal contract. After my surgery I was informed that United Health care was not going to pay the anesthesiology.  We had the conference call.  It was binding.  But, again United Health care tried to weasel out of it.

Ms. Readmore!  You read the stupid manual.  Devote hours to unscrambling United Health's co-pay.  Good luck to you if you ever have to be hospitalized. If you had really read and understood the manual, you would not be supporting United Health Care.  You would know it is a real rip-off. 



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#2 UPDATE Employee

Your UHC Benefits

AUTHOR: y0philly - (United States of America)

Hello.  I would suggest getting to know your benefits.  You wrote you "thought" or "expected" what co-pays and deductibles were.  Know the benefits so there are no surprises.  Everything is in black and white when you sign up or you can call.  Hope you are feeling better!!
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