Complaint / review text:
I have never had difficulty with insurance until now, and it couldn't come at a worse time. It's bad enough to lose your hearing, and then United Healthcare has done everything they can to get out of paying any claims related to the services my doctor ordered for me. The doctor ordered a MRI with contrast, calling it medically necessary. Now UH is saying it was not authorized and they don't consider it "medically necessary." I called my doctor and had him send in documentation proving it was medically necessary and UH denied again, so I am out $485 while I appeal the denial of the claim (I had to pay neurologist to avoid being sent to collections). After I got the MRI and the doctor recommended I get a hearing aid, UH only covered a small fraction of the cost, so I'm also out $2,350 for that! As a single mom, it is difficult to budget for "emergencies" and unanticipated expenses, which makes insurance even more important! I have asked the doctor to provide me the documentation directly, so I can appeal, but I have a feeling I'll never see anything come of it. This company is so horrible to deal with, especially if you have to file a claim yourself!